Business Credit Cards

How business credit cards differ from personal cards

If you have only ever had a personal card, four things will surprise you.

Why our lists look different

Most best-card lists rank by whichever card has the biggest sign-up bonus this month. A bonus is a one-time payment. You keep the card for years.

Best business credit cards by category

How to order these lists. These are our favorites in each category, in no particular order. We are not going to tell you there is one best card, because the right answer depends on how much you spend, where you spend it, whether you carry a balance, and how long you have been in business. A card that is perfect for a contractor buying fuel every week is the wrong card for an agency running ad spend. So we tell you what each one is actually good at and who it is built for, and you take the one that matches your situation.

Best no annual fee business credit cards

If you are not sure a card will earn back a fee, do not pay one. This tier is stronger than it has ever been.

• Wells Fargo

  Signify Business Cash

  Uncapped 2% on everything, no annual fee. That is about as good as a free card gets, and it is first because it asks nothing of you: no categories, no caps, no strategy, double the return of a 1% card on every dollar. The 3% foreign transaction fee means overseas purchases belong somewhere else.

• Chase

  Ink Business Unlimited

  1.5% flat, no fee, plus 12 months at 0% on purchases. It gives up half a point to Signify and buys back interest-free runway and rewards that post as Chase points you can pool with an Ink Preferred later. Take this if you want a free card that can grow into something.

• U.S. Bank

  Triple Cash Rewards Visa Business

  3% uncapped at gas and EV charging stations, office supply stores, cell phone providers, and restaurants, with gas and EV charging earning 3% on transactions of $200 or less. The highest free earn rate on this page, third because it only pays it in four places. Concentrate your spending there and it beats both cards above it. The 3% foreign transaction fee rules it out for overseas buying.

• American Express

  Blue Business Cash

  2% on the first $50,000 per calendar year, 1% after, no fee, 12 months at 0% on purchases. It matches Signify's rate and caps it, which is the only reason it sits here. Under about $4,000 a month the cap never binds and the two are the same card.

• American Express

  Blue Business Plus

  The same 2X structure on the first $50,000 per calendar year, paid in transferable Membership Rewards points instead of cash. The only free card earning points you can move to airlines, worth well above 2% if you actually do that and noticeably less if you take statement credits. Last because most people take the statement credits.

Best cash back business credit cards

Cash back is the right default for most businesses. Nothing to learn, nothing to devalue, no points expiring in an account you forgot about.

• Wells Fargo

  Signify Business Cash

  Uncapped 2% on everything, no fee, no categories. The benchmark, and the honest first answer for anyone who does not want to think about this again. Most published lists put Chase Ink Business Unlimited first instead. We do not, because Ink pays 1.5% and this pays 2%, and no amount of ecosystem flexibility closes a half-point gap for a reader redeeming for cash anyway.

• Chase

  Ink Business Unlimited

  1.5% on everything, no fee, no caps, 12 months at 0%. It trades half a point for interest-free runway and Chase points that transfer to airlines if you ever add an Ink Business Preferred. If either of those matters to you, it moves to first.

• Chase

  Ink Business Cash

  5% at office supply stores and on internet, cable, and phone service on the first $25,000 combined per anniversary year, plus a separate, independent 2% on the first $25,000 at gas stations and restaurants. Highest ceiling on this list by a wide margin, third because that ceiling is conditional. Fit the categories and nothing beats it. Miss them and you are holding a 1% card.

• U.S. Bank

  Triple Cash Rewards Visa Business

  3% across four everyday business categories with no cap at all. It earns less than Ink Cash at its best and more than Ink Cash at scale, because the 3% never stops. The right pick for anyone who would blow past Ink Cash's $25,000 ceiling.

• Capital One

  Spark 2% Cash Plus

  Uncapped 2%, no preset spending limit, no foreign transaction fee. The $150 annual fee is refunded in full any year you spend $150,000 or more, so above that line it is a 2% card that costs nothing and has no ceiling on what you can charge. Below it you are paying $150 for a rate you can get free. Balances are generally due in full each month.

• Capital One

  Spark Cash Select

  1.5% flat, no annual fee, no foreign transaction fee, plus 5% on hotels and rental cars booked through Capital One Travel. It is here for one reason: it is what you take instead of Signify or Triple Cash when a meaningful share of your spending is in another currency, since both of those charge 3% abroad.

• Bank of America

  Business Advantage Unlimited Cash Rewards

  1.5% base, lifted to as much as 2.62% uncapped through Preferred Rewards for Business if you keep $100,000 or more in Bank of America business accounts. That is the highest flat cash back rate on this page. Last only because the balance requirement puts it out of reach for most readers. If you already bank there at that level, it goes straight to first.

Best travel rewards business credit cards

Travel cards pay off when you travel enough to use the perks and redeem the points well. Do neither and the value is real but somebody else is collecting it.

• Chase

  Ink Business Preferred

  $95 a year for 3X on travel, shipping, internet and phone service, and social media and search advertising on the first $150,000 per anniversary year, with transfers to United, Hyatt, Southwest, and a dozen other partners. First because it is the only card here that does not require constant travel to justify it. About $3,200 of category spending a year covers the fee. Everything below asks far more before it starts paying you back.

• American Express

  Business Platinum

  $895 a year after a 2025 repricing, the highest fee in the category. It buys the widest lounge network on the market plus annual credits covering Dell, Adobe, Indeed, hotels, CLEAR, and ChatGPT, and those credits exceed the fee outright for a company that already buys those things and enrolls in each one. If you are in airports most weeks, this is the strongest card on the page. Second only because the fee is fixed while the value is usage-dependent.

• Capital One

  Venture X Business

  $395 a year for a flat 2X on everything, a $300 annual travel credit, 10,000 anniversary miles, and lounge access. Less than half the Business Platinum fee, with the credit and the miles roughly covering it, which makes it the lowest-risk way to hold a premium card. It ranks behind Platinum on lounge network and credit depth alone. Designed to be paid in full each month, so plan on very little float.

• American Express

  Business Gold

  $375 a year, earning 4X automatically on whichever two of six eligible categories you spend the most in each month, up to $150,000 per calendar year. The best pure earn rate in the middle of this category, and you never have to forecast your own spending to max it out. It also carries up to $300 per calendar year in ChatGPT Business credits, which requires enrollment. Fourth because it earns without the travel perks above it, so only spending volume justifies the fee.

• Capital One

  Venture Business

  $95 a year for a flat 2X on everything, no caps, no foreign transaction fee. The cheapest door into Capital One's transfer partners and the simplest card in the category. It earns less than everything above it and asks almost nothing in return, which makes it the right first travel card if you are not certain you will use the perks.

• Chase

  Sapphire Reserve for Business

  $795 a year and new to the market, earning 8X on Chase Travel and 3X on search and social advertising, with a $400 annual ZipRecruiter credit. Last position is about fit. This is the most specialized card in the category, built for companies that travel heavily and hire continuously at once. If that is you, it outranks everything above it. If you are not hiring, the ZipRecruiter credit is a large share of the value and the math changes.

Best 0% intro APR business credit cards

If you are financing a large purchase or bridging a seasonal gap, the intro period is the whole product. Ranked by the length of the interest-free window first and rewards second.

• U.S. Bank Business Shield Visa Card

  Launched in February 2026 with up to 18 billing cycles at 0% on both purchases and balance transfers, among the longest windows on any business card and the longest from a major issuer. It earns essentially no rewards. That is the trade, and it is still first because nothing else gives you six more months. One catch: the full 18 cycles require applying at a branch. Online gets you 12.

• U.S. Bank

  Triple Cash Rewards Visa Business

  12 billing cycles at 0% on purchases and balance transfers, earning 3% in real categories the whole time. Second because it is the only card here that covers balance transfers and pays you well. Moving an existing balance rather than making a new purchase? This and Business Shield are your only two options.

• Wells Fargo

  Signify Business Cash

  12 months at 0% on purchases, no annual fee, uncapped 2% running the entire time. The best earn rate on this list. Third only because the 0% covers purchases and not balance transfers.

• American Express

  Blue Business Cash

  12 months at 0% on purchases, no annual fee, and 2% cash back or 2X transferable points on the first $50,000 per calendar year. Same window as the two above, narrower rewards because of the cap, no balance transfer offer.

• Chase

  Ink Business Unlimited

  12 months at 0% on purchases, no annual fee, and either a flat 1.5% or the 5% category structure. Last on rate rather than on window. Neither offers an intro rate on balance transfers.

The window ends, and the rate that follows is usually in the high teens to high twenties. An intro period is a tool for a purchase you have a plan to pay off. It is not a fix for a cash flow problem with no end date.

Best business credit cards for startups and new businesses

Most lists here lead with the corporate cards because those are the interesting ones. The boring answer is the correct one for more people.

• Chase

  Ink Business Unlimited

  The ordinary route. A business three weeks old gets approved for mainstream cards all the time, because approval runs on your personal FICO and not your company's history. At 700 or above this is almost certainly your best card, with better rewards and a longer 0% window than anything below it. The price is a personal guarantee. First because it asks for no cash reserve, no entity, and no monthly fee.

• Ramp

  Ramp

  No personal credit check and no personal guarantee. Approval rests on holding at least $25,000 in a connected U.S. business bank account, monitored on an ongoing basis. Open to corporations, LLCs, and LPs, not sole proprietors. Time in business is not a factor, which makes it workable for a company three months old. Second because $25,000 is the lowest bar among corporate cards that also give you real spend controls.

• Brex

  Brex

  Also no personal credit check and no personal guarantee, with a higher bar: roughly $50,000 in cash for venture-backed startups, or substantial revenue for operating companies. Richer earning than Ramp at 8x on Brex Travel, 7x on rideshare, 3x on restaurants, and 2x on recurring software. Third on that cash requirement alone. Capital One completed its acquisition of Brex in April 2026, so treat current terms as subject to change.

• BILL Divvy Corporate Card

  No annual fee, no personal guarantee, and the lowest cash bar of the group at roughly $20,000 in a connected business bank account. It also accepts sole proprietors, which Ramp and Brex do not. The most accessible no-guarantee card here, ranked below them on rewards and software rather than on access.

• Capital on Tap

  No annual fee, 1.5% flat cash back or 2% if you pay weekly by autopay, and a soft credit pull to see your offer before committing. It does require a personal guarantee and realistically wants a FICO around 670. The fallback if Chase and Amex decline you, made painless by the fact that checking costs nothing.

• Rho

  Rho

  Two more no-guarantee corporate cards for funded startups, each tied to its own business banking product. They rank here on reach rather than quality: the card effectively comes with the bank account, so they matter if you already bank with one of them or are choosing a bank anyway.

• Nav Prime Card

  The unusual one, and last because it is not really competing with the cards above it. No personal credit check, no personal guarantee, no security deposit, and sole proprietors are eligible. It reports tradelines to Dun & Bradstreet, Experian Business, and Equifax Business, which is the entire point of the product. It earns no rewards and runs on a paid Nav membership: the $49.99 per month Build tier delivers the tradelines described here and requires an approved Nav Business Checking account. You are paying roughly $600 a year to build a business credit file, not to earn anything. Not available in California, Nevada, North Dakota, or South Dakota.

The pattern worth understanding: skipping the personal guarantee means giving up something else, usually a cash balance in a connected account, occasionally a monthly subscription. What no card does is hand you a line with nothing behind it. If your business has no reserves and no revenue, a personal guarantee is the price of entry.

Best business credit cards for fair or bad credit

If your personal FICO sits between roughly 580 and 679, most of this page is not available to you yet. Here is what is, ranked by what it costs you to get in: unsecured first, then secured by size of deposit, then the products that are not really cards at all.

• Capital One Spark 1% Classic

  No annual fee, unlimited 1% cash back, and the most accessible unsecured business card from a major issuer. First because it is the only option here that does not ask you to tie up cash. Capital One publishes no minimum score, but third-party approval data puts it in reach in the 580 to 640 range. One important catch: Capital One reports this card's activity to all three consumer bureaus, so business balances count against your personal credit utilization.

• Bank of America Business Advantage Unlimited Cash Rewards Secured

  A $1,000 minimum security deposit sets your line, and the card pays an uncapped 1.5% cash back with no annual fee. The best secured business card available and the highest earn rate in this section. It is the only secured business card offered by a top-four U.S. bank, with a documented path to graduating unsecured.

• Valley Visa Secured Business Credit Card

  No annual fee, a $1,100 minimum deposit, and a 0% intro APR for the first six billing cycles, which is rare on a secured card. Your deposit is 110% of the limit you request, up to $25,000. Just below Bank of America on deposit size and rewards, and above it if you need the interest-free window.

• FNBO Business Edition Secured Mastercard

  You choose a limit between $2,000 and $100,000 and fund a deposit of 110% of it, so $2,200 at the low end. Fourth on cost of entry, and first if your specific goal is building a business credit file, because this is one of the few secured business cards that reliably reports to Dun & Bradstreet. The deposit earns interest, and there is a $39 annual fee. FNBO also issues versions of this card through partner banks on different terms, so compare before you apply.

• Revenued Business Card

  A different product class, worth being clear about before you compare it to anything above. No FICO minimum and no hard pull, because approval runs on your bank deposits rather than your credit. You get a spending limit funded as an advance and repay at a factor rate of roughly 1.21x to 1.49x, so $10,000 delivered costs $12,100 to $14,900 repaid. It is priced that way because it takes on businesses no card issuer will, and it ranks last because that pricing only makes sense when the alternative is no access at all.

Worth knowing before you search: Chase, Capital One, American Express, and Wells Fargo do not currently offer a secured business card. Wells Fargo discontinued theirs and moved existing holders to unsecured products. The category has shrunk to a handful of options, and not all of them report to business credit bureaus, which defeats the purpose if credit building is the goal.

Still deciding? Four questions settle it

Common questions