Best Overall Business Credit Cards

If you’re a business owner exploring credit card financing, there’s certainly no shortage of options. Your mission becomes finding the card that meets your needs. Whether that expectation involves cash back, points or miles, the choice is ultimately yours. Here are 10 business credit cards to consider for multiple areas of business financing. 

Best for diverse spending: Bank of America® Business Advantage Cash Rewards Mastercard® Credit Card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.

Essentials:

  • Annual fee: None
  • Rewards rates: 3% cash back in a category you choose within the gas, office supplies, travel, telecommunications, computer or business consulting services industries; 2% on dining; 1% on all other purchases.
  • APR: 0% for the first nine billing cycles and an APR of 13.99-23.99 % on all purchases thereafter.
  • Intro bonus: $300 statement credit when you spend $3,000 in the first three months after account opening.

Even better:

Bank of America depositors can supercharge cash-back rewards percentages based on the balances they hold in checking or savings accounts. The Preferred Rewards for Business program kicks in at the Gold level, which requires $20,000 in deposits and increase the cash-back bonus by 25%. This bonus maxes out at a 75% increase for accounts reaching the $100,000 Platinum Honors level.

By linking checking and credit card accounts, you can avoid the inconvenience of purchases declined at the point of sale or returned checks that incur fees for nonsufficient funds with overdraft protection. Zero liability protection gets you off the hook for unauthorized purchases, and fraud monitoring alerts you to suspicious activity.

Best for travel: Ink Business Preferred Credit Card

Ink Business Preferred℠ Credit Card
Ink Business Preferred℠ Credit Card
Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Essentials

  • Annual fee: $95
  • Rewards rates: 3x points on travel, internet, phone, cable, shipping and social media advertising; 1x points on all other purchases.
  • APR: 17.49-22.49% 
  • Intro bonus: $500 after spending $5,000 in the first three months and $1,500 on $50,000 spent in the first six months of account opening .

Even better:

If you have employees and issue mobile phones for their business use, a unique protection program offers up to $600 in coverage for those devices. You’ll need to pay the cellphone bill with the card to qualify, and the lines protected would need to be on that statement. Three claims per year are covered, and a $100 deductible applies to each occurrence.

There’s little need for concern over trips that are canceled for reasons such as illness or inclement weather. Under covered circumstances, up to $5,000 in travel expenses would be reimbursed for things like hotel bookings or airfare that you’ve prepaid with the card. Should that international trip go according to plan, the card charges no foreign transaction fees (which could otherwise cost up to 3% of the purchase).

Best for high telecom and office supply rewards: Ink Business Cash Credit Card

Ink Business Cash℠ Credit Card
Ink Business Cash℠ Credit Card
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Essentials: 

  • Annual fee: None
  • Rewards rates: 5% cash-back reward for office supplies, internet, phone and cable services, with 2% back on gas and restaurant purchases and 1% returned on all other spending.
  • APR: 14.99-20.99%, with an introductory offer of 0% on all purchases in the first 12 months of ownership.
  • Intro bonus: $500 cash-back reward when you make $3,000 worth of purchases in the first three months of card ownership.

Even better:

If you’re renting a car for business travel and use the card to reserve and pay, you can waive the physical damage coverage offered by the agency. Collision and comprehensive coverage for actual cash value extend to the vehicle you rent, even if your primary business policy covers an accident or a theft. The coverage applies in the United States and abroad, but some countries may be excluded.

Whether you’re renting or driving an owned vehicle, you’ll also receive emergency roadside service at any time for mishaps like flat tires or oversights like lockouts. Should issues become more complex while traveling in unfamiliar territory, a card benefits administrator can guide you toward medical services or legal assistance.

Best for occasional users: Capital One Spark Cash Select for Business

Capital One® Spark® Cash Select for Business
Capital One® Spark® Cash Select for Business
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.

Essentials:

  • Annual fee: None
  • Rewards rates: 1.5% cash back on all purchases without regard to limits or categories.
  • APR: 0% introductory APR for nine billing cycles and then 14.74%-22.74% thereafter.
  • Intro bonus: $200 cash bonus after spending $3,000 within the first three months of account opening.

Even better:

To optimize rewards, you can issue cards to all employees whose aggregate purchases qualify for cash back. For each employee card, you can establish customized spending limits and receive alerts if a charge seems out of the ordinary. If you’re too busy focusing on sales and marketing, you can appoint an account manager to make payments, review transactions and troubleshoot any issues that may arise.

All transactions can be downloaded into a spreadsheet or format that easily integrates with popular accounting software like QuickBooks. You can call up detailed vendor or supplier information by transaction, if the data is available. When it comes time to file taxes, year-end summaries categorize expenses for more accurate reporting:

Best for unlimited cash back: Capital One Spark Cash for Business

Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business
Limited Time Offer: Earn up to $2,000 in cash bonuses.

Essentials:

  • Annual fee: None in the first year, $95 thereafter
  • Rewards rates: 2% unlimited cash back on all purchases .
  • APR: 18.74% 
  • Intro bonus: $500 after spending $5,000 in the first three months and $1,500 on $50,000 spent in the first six months of account opening .

Even better:

You can access your account from anywhere and at any time through the Capital One mobile app, which ranks highly among all digital credit card platforms. The issuer takes security to new levels by using biometrics to log in to your account from mobile devices. Either a fingerprint or customized pattern can be stored as authentication factors for signing in securely.

Capital One’s virtual assistant, Eno, is available at all times to answer questions and notifies you via text email or phone if something unusual occurs with your account. You can lock cards instantly if they’re lost, misplaced or stolen. Cards on the missing list can be quickly replaced at home or on the road, and you can also get emergency cash to tide you over until the new card arrives.

Best for unlimited double miles: Capital One Spark Miles for Business

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business
Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more.

Essentials:

  • Annual fee: $0 in the first year and $95 thereafter
  • Rewards rates: Unlimited 2x miles on all purchases and 5x miles on hotel and rental car bookings through Capital One Travel.
  • APR: 18.74% on all purchases
  • Intro bonus: 50,000 bonus miles after spending $5,000 in the first three months and an additional 150,000 bonus miles if you reach $50,000 in the first six months of ownership.

Even better:

Travel-oriented businesses can use miles to defray the cost of hotel rooms, guided tours or airline tickets. Fifteen carriers, including Air France KLM, Alitalia and Singapore Airlines, will accept accumulated miles from the Spark card rewards program. International purchases incur no foreign transaction fees. The Visa Concierge service assists with travel plans, entertainment options or dinner reservations when and where you need them.

If quickly passing through airport security checkpoints is appealing, account owners or a designated employee receive a $100 statement credit every four years when using the card to apply and pay for Global Entry or TSA PreCheck program fees. Also, if the airline is responsible for losing your luggage, you could be compensated up to $3,000 to cover the cost of the contents.

Best for introductory APR offers: The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Essentials:

  • Annual fee: None
  • Rewards rates: 2% cash back up to $50,000 annually on all purchases without regard to categories and then 1% after the spending cap.
  • APR: 14.74-20.74 % on all purchases with 0% financing on introductory purchases for 12 months and balance transfers transacted within the first 60 days.
  • Intro bonus: None

Even better:

Amex cardholders always enjoy privileges related to concerts and sporting events, for which tickets can be purchased in special presale periods, giving you a great shot at preferred seating. Venues typically reserve blocks of seats exclusively for account holders, and you can opt to use your card for purchases or pay with points.

Travel perks are also a hallmark of Amex membership. The issuer’s lowest rate hotel guarantee ensures that if you find a comparable room cheaper than the one you’d previously booked with the card, the bank will refund you the difference between the two rates.

Best for no annual fee: American Express® Blue Business Cash Card

American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

Essentials:

  • Annual fee: None
  • Rewards rates: 2% cash back up to $50,000 annually on all purchases without regard to categories and then 1% after the spending cap.
  • APR: 14.74-20.74 % on all purchases with 0% financing on introductory purchases for 12 months and balance transfers within the first 60 days.
  • Intro bonus: None 

Even better:

The card gives your business access to Amex’s Working Capital Terms program. Short-term loans from $500 up to $150,000 allow you to pay vendors within two days of the request. New customers will need to have a tenure of six months with the bank before using the program. Repayment schedules let you choose one-, two- and three-month terms, and fixed-fees escalate as term length increases. You’ll pay 0.6%, 1.2% or 1.8% of the loan amount as terms extend outward.

For businesses that might desire a financial cushion, the card does come with a predetermined spending limit, but you can go beyond the max. You won’t have a blank check to draw upon, but the better your track record, the higher the limit. The dollar amount will vary in light of the financial condition of your business, your relationship with the bank, your creditworthiness and your ability to pay.

Best for side businesses: Ink Business Unlimited Credit Card

Ink Business Unlimited℠ Credit Card
Ink Business Unlimited℠ Credit Card
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Essentials 

  • Annual fee: None
  • Rewards rates: 1.5% unlimited cash back on all spending with points that don’t expire.
  • APR: 14.99-20.99%
  • Intro bonus: $500 bonus cash back after spending $3,000 in the first three months of account ownership.

Even better:

This card meets the needs of sole proprietorships or freelancers who don’t plan on spending a lot each year. A big benefit to small businesses lies in the purchase protections offered by Chase. For pricey electronics or office equipment purchased with the card, items damaged or stolen within 60 days of the original receipt date receive coverage up to $10,000 per incident for a total of $50,000 per account. 

For added peace of mind, the extended warranty program gives you an extra year of coverage for goods made in the United States and acquired with the card. To be eligible for the extended warranty, the original manufacturer’s warranty must be three years or less.

Best for matching bonus rewards: Discover it® Business Card

Discover it® Business Card
Discover it® Business Card
Intro Offer: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we'll match. So you could turn $350 cash back into $700 with Cashback Match™.

Essentials:

  • Annual fee: None
  • Rewards rates: 1.5% cash back on all purchases without limit or expiration.
  • APR: 0% introductory offer on all purchases for the first 12 months after account opening and then an APR of 14.49-22.49%.
  • Intro bonus: Discover will match all cash-back rewards you accumulate in the first year of ownership.

Even better:

With the increasing number of security threats, the Discover it® Business Card adds another layer of privacy protection for cardholders. Upon activation of the card, the bank runs a scan with your Social Security number and immediately notifies you if any trace of that sensitive identifier is found on dark web sites.

You can subsequently keep an eye on your own credit standing to determine whether your personal data has been compromised or if transactions are being reported accurately to TransUnion. You’ll see a year’s history of FICO credit scores on Discover.com, and the benefit only applies to the primary cardholder.