Best Business Credit Cards

The finest business credit cards boast rewards, sign-up bonuses, and generous benefits. Additionally, they serve as handy tools for short-term funding. However, as with most financial tools, business credit cards come with both advantages and disadvantages. Terms and conditions apply.

Best Business Credit Cards List

The Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express is a popular choice for small business owners. It offers a 15-month 0% introductory APR on purchases, as well as 2X Membership Rewards points on the first $50,000 spent each year. There are no annual fees, and cardholders can also take advantage of flexible payment options. Plus, it comes with valuable business management tools and benefits.
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The Blue Business Plus Credit Card from American Express
The Blue Business Plus Credit Card from American Express is a popular choice for small business owners. It offers a 15-month 0% introductory APR on purchases, as well as 2X Membership Rewards points on the first $50,000 spent each year. There are no annual fees, and cardholders can also take advantage of flexible payment options. Plus, it comes with valuable business management tools and benefits.

Ink Business Cash℠ Credit Card

The Ink Business Cash℠ Credit Card offers a $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening. It also provides 5% cash back on office supply stores and communication services, 2% cash back on gas stations and restaurants, and 1% cash back on all other purchases. With no annual fee and 0% introductory APR for 12 months, it's a great choice for small businesses. Employee cards are available at no additional cost.
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Ink Business Cash℠ Credit Card
The Ink Business Cash℠ Credit Card offers a $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening. It also provides 5% cash back on office supply stores and communication services, 2% cash back on gas stations and restaurants, and 1% cash back on all other purchases. With no annual fee and 0% introductory APR for 12 months, it's a great choice for small businesses. Employee cards are available at no additional cost.

Ink Business Preferred℠ Credit Card

The Ink Business Preferred℠ Credit Card offers 80,000 bonus points when you spend $5,000 in the first 3 months. Earn 3 points per $1 on the first $150,000 spent in select categories annually, and 1 point per $1 on all other purchases. Points are worth 25% more for travel through Chase Ultimate Rewards. Enjoy no foreign transaction fees, employee cards at no extra cost, and a $95 annual fee.
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Ink Business Preferred℠ Credit Card
The Ink Business Preferred℠ Credit Card offers 80,000 bonus points when you spend $5,000 in the first 3 months. Earn 3 points per $1 on the first $150,000 spent in select categories annually, and 1 point per $1 on all other purchases. Points are worth 25% more for travel through Chase Ultimate Rewards. Enjoy no foreign transaction fees, employee cards at no extra cost, and a $95 annual fee.

Gold Delta SkyMiles® Business Credit Card from American Express

The Gold Delta SkyMiles Business card from American Express provides a generous introductory bonus, priority boarding, a complimentary checked bag, and exclusive benefits for business owners.
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Gold Delta SkyMiles® Business Credit Card from American Express
The Gold Delta SkyMiles Business card from American Express provides a generous introductory bonus, priority boarding, a complimentary checked bag, and exclusive benefits for business owners.

Platinum Delta SkyMiles® Business Credit Card from American Express

The Platinum Delta SkyMiles Business Credit Card from American Express provides priority boarding, a complimentary checked bag, and a generous introductory bonus. This high-value airline card is designed for business owners who frequently travel and seek perks and rewards.
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Platinum Delta SkyMiles® Business Credit Card from American Express
The Platinum Delta SkyMiles Business Credit Card from American Express provides priority boarding, a complimentary checked bag, and a generous introductory bonus. This high-value airline card is designed for business owners who frequently travel and seek perks and rewards.

The Plum Card® from American Express OPEN

The Plum Card from American Express is ideal for small and midsize businesses, offering a flexible spending limit and free employee cards. You can take up to 60 days to pay your monthly bill without incurring interest charges, and earn 1.5 percent back if you pay within the first 10 days. The annual fee is $250, but waived for the first year.
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The Plum Card® from American Express OPEN
The Plum Card from American Express is ideal for small and midsize businesses, offering a flexible spending limit and free employee cards. You can take up to 60 days to pay your monthly bill without incurring interest charges, and earn 1.5 percent back if you pay within the first 10 days. The annual fee is $250, but waived for the first year.

Capital One Spark Miles for Business

$0 intro annual fee for the first year; $95 after that
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Capital One Spark Miles for Business
$0 intro annual fee for the first year; $95 after that

The Hilton Honors American Express Business Card

Earn 125,000 bonus points after spending $3,000 in the first 3 months with The Hilton Honors American Express Business Card. Get 12 points per dollar at Hilton hotels, 6 points per dollar on select business and travel purchases, and 3 points per dollar everywhere else. Enjoy complimentary Gold status with perks like free Wi-Fi and late checkout. Spend $15,000 in a year for a free weekend night stay. Annual fee is $95.
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The Hilton Honors American Express Business Card
Earn 125,000 bonus points after spending $3,000 in the first 3 months with The Hilton Honors American Express Business Card. Get 12 points per dollar at Hilton hotels, 6 points per dollar on select business and travel purchases, and 3 points per dollar everywhere else. Enjoy complimentary Gold status with perks like free Wi-Fi and late checkout. Spend $15,000 in a year for a free weekend night stay. Annual fee is $95.

Southwest Rapid Rewards® Premier Business Credit Card

The Southwest Rapid Rewards® Premier Business Credit Card is designed for small business owners who frequently travel with Southwest Airlines. Key features include earning points on every purchase, a sign-up bonus after meeting spending requirements, anniversary points each year, and employee cards at no additional cost. Cardholders also receive travel benefits such as priority boarding and in-flight WiFi credits.
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Southwest Rapid Rewards® Premier Business Credit Card
The Southwest Rapid Rewards® Premier Business Credit Card is designed for small business owners who frequently travel with Southwest Airlines. Key features include earning points on every purchase, a sign-up bonus after meeting spending requirements, anniversary points each year, and employee cards at no additional cost. Cardholders also receive travel benefits such as priority boarding and in-flight WiFi credits.

Ink Business Unlimited℠ credit card

The Ink Business Unlimited℠ credit card offers unlimited 1.5% cash back on every purchase. It has no annual fee and provides a sign-up bonus of $750 after spending $7,500 within the first 3 months. The card also includes employee cards at no additional cost and offers travel and purchase protection benefits. This card is ideal for businesses looking to earn rewards on their everyday expenses.
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Ink Business Unlimited℠ credit card
The Ink Business Unlimited℠ credit card offers unlimited 1.5% cash back on every purchase. It has no annual fee and provides a sign-up bonus of $750 after spending $7,500 within the first 3 months. The card also includes employee cards at no additional cost and offers travel and purchase protection benefits. This card is ideal for businesses looking to earn rewards on their everyday expenses.

Top Cards We Selected For Your

The Blue Business Plus Credit Card from American Express

The Blue Business Plus Credit Card from American Express

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Annual feeNo Annual FeeNo Annual Fee95$0 intro for 1st yr, $95 after
Regular APR18.49%-26.49% (Variable); APRs will not exceed 29.99%15.24%-21.24% (Variable) APR17.99%-22.99%$0 intro for 1st yr, $95 after
Purchase Intro APR0% for 12 months on purchases from date of account opening0% on Purchases and Balance Transfers for 12 monthsN/ANot Offered
Transfer Intro APRN/A0% for 12 monthsN/ANot Offered
Late Payment FeeUp to $39N/AN/ANot Offered
Returned Payment Fee$39N/AN/A39
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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer cardGet points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

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