Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
    |    Accessibility Options

Best Business Credit Cards of 2025: Earn Up to $2,000 in Cash Back

Review Updated
Brendan Byrnes
Author: Brendan Byrnes
Brendan Byrnes
Brendan Byrnes

Currently Managing Director of Motley Fool Money, Brendan has worked full-time for The Motley Fool since 2011. He has written hundreds of articles for The Motley Fool and provided analysis on TV outlets including CNBC and Fox. He holds a degree in finance from Virginia Tech.

See Full Bio

| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

No matter if you're running a well-established company or just getting your business off the ground, the right credit card can be a game-changer. It's not just about having a way to pay -- it's about earning rewards, unlocking perks, and keeping your cash flow smooth.

We've done the research to bring you our favorite business credit cards, whether you're after unlimited cash back, travel perks, a 0% intro APR, or specialized benefits tailored to your industry. The right card can put money back in your pocket, help you finance big purchases, and streamline expense management -- all while working for your business, not the other way around. Let's find the perfect fit for you.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Our top picks

Great for simplicity and no annual fee: Ink Business Unlimited® Credit Card (see rates and fees)

  • Unlimited 1.5% cash back on every purchase with no spending categories to track.
  • Earn $750 bonus cash back after spending $6,000 in the first 3 months.
  • $0 annual fee.

Great for travel and premium perks: Capital One Venture X Business (see rates and fees)

  • Earn 2X miles on purchases
  • Earn 150,000 Miles when you spend $30,000 in the first 3 months.
  • Get airport lounge access, travel credits, and premium perks for a $395 annual fee (see rates and fees).

Best business credit cards

Ratings Methodology

Ink Business Unlimited® Credit Card

Great for: Unlimited cash back

Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Unlimited® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Unlimited® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 23.49% Variable

Rewards Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Earn unlimited 1.5% cash back on every purchase

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $750 bonus cash back

  • This card is a cost-effective option for businesses of all sizes. There is no annual fee, yet offers an attractive $750 welcome bonus & unlimited 1.5% cash back on every purchase — that is a straightforward way to earn cash back on everyday business expenses. Plus, you can add employees cards for no extra cost. No wonder it's one of the most popular business cards we've reviewed. Read Full Review

    • Big cash back sign-up bonus
    • Competitive cash back rate
    • Great intro APR
    • No annual fee
    • Free employee cards
    • No bonus categories
    • Foreign transaction fee
    • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase made for your business
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC
Award Icon 2025 Award Winner

Ink Business Preferred® Credit Card

Great for: Sign-up bonus and travel points

Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Preferred® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Preferred® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 26.24% Variable

Rewards Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

  • This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 90,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®, further boosting the card’s value. Read Full Review

    • Huge sign-up bonus
    • Advertising rewards
    • Shipping rewards
    • Cell phone protection
    • Flexible travel points
    • Card perks
    • Annual fee
    • No intro APR offer
    • Spending minimum for sign-up bonus
    • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
    • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
    • Round-the-clock monitoring for unusual credit card purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
    • Points are worth 25% more when you redeem for travel through Chase Travel℠
    • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
    • Member FDIC

Ink Business Cash® Credit Card

Great for: No annual fee and cash rewards

Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Ink Business Cash® Credit Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Ink Business Cash® Credit Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular APR

17.49% - 25.49% Variable

Rewards Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Earn 5% cash back in select business categories

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Earn up to $750 bonus cash back

  • We think this card is a great option for savvy business owners looking to maximize rewards without the added cost of an annual fee. You’ll earn 5% cash back on office supplies, internet, cable, and phone services (up to $25,000 annually), making it ideal for businesses with regular expenses in these categories. With a generous $750 welcome bonus after meeting the spending threshold, along with valuable travel and purchase protections, this card offers great value for smaller businesses with high recurring expenses. Read Full Review

    • Big cash back sign-up bonus
    • Office supply store rewards
    • Internet, cable, and phone service rewards
    • 0% intro APR offer
    • No annual fee
    • Low caps on bonus categories
    • No balance transfer offer
    • Foreign transaction fee
    • Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
    • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
    • No Annual Fee
    • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
    • 0% introductory APR for 12 months on purchases
    • Member FDIC

Costco Anywhere Visa® Business Card by Citi

Great for: Gas and travel

Apply Now for Costco Anywhere Visa® Business Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Costco Anywhere Visa® Business Card by Citi
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Costco Anywhere Visa® Business Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.49% (Variable)

Rewards Circle with letter I in it. Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

1% - 5% back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer

N/A

  • There aren't many business cards offering this much bonus cash back at the pump (and the charging station). It also earns high rates on travel, at restaurants, and at Costco, giving it a well-rounded set of bonus categories. Other benefits are limited, making this primarily a card for Costco loyalists and business owners who drive a lot. Read Full Review

    • Gas and EV charging cash back
    • Costco cash back
    • Travel and dining cash back
    • Purchase protections
    • No foreign transaction fee
    • No sign-up bonus
    • No 0% intro APR offer
    • Difficult cash back redemptions
    • Discover the only business credit card designed exclusively for Costco members
    • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
    • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
    • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
    • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Capital One Spark Cash Plus

Great for: Sign-up bonus and cash rewards

Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Spark Cash Plus
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Spark Cash Plus

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. Earn unlimited 2% cash back for your business on purchases, no limits or category restrictions; plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

2% - 5% cash back

Annual Fee

$150

Welcome Offer Circle with letter I in it. $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

$2,000 Cash Back

  • This card is built for businesses with significant expenses that want high-value rewards. You’ll earn unlimited 2% cash back on every purchase, plus 5% cash back on hotels and rental cars booked through Capital One Travel. If you spend over $150k annually, your annual fee will be refunded, and we love that in your first year alone, you could earn over $4,000 in cash bonuses -- the largest welcome offer Capital One has ever provided for this card. Read Full Review

    • Big welcome offer
    • 2% cash back
    • Free employee credit cards
    • No foreign transaction fee
    • Potential annual spending bonus
    • Annual fee
    • Pay-in-full card
    • Personal guarantee
    • Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
    • Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
    • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
    • Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
    • Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
    • $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
    • Spark Cash Plus has no APR because your balance is due in full every month
    • For businesses that need large spending capacity and want to maximize cash back

Capital One Venture X Business

Great for: Premium travel and big sign-up bonus

Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture X Business
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Venture X Business

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

N/A

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options.

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 150,000 Miles once you spend $30,000 in the first 3 months from account opening

150,000 Miles

  • For businesses looking to earn rewards while enjoying premium travel benefits, we think this card strikes a strong balance between value and simplicity. It offers unlimited 2X miles on every purchase, along with 10X miles on hotels and rental cars booked through Capital One Travel. With top-tier perks like unlimited lounge access, annual travel credits, and flexible redemption options, this card is designed for business owners who prioritize travel rewards. Plus, with one of the best welcome offers available at 150,000 miles, it’s an excellent option for companies seeking both rewards and premium travel perks without the hassle. Read Full Review

    • Huge travel rewards bonus
    • High rewards rate
    • Travel credits
    • Useful business management tools
    • Spending requirement for sign-up bonus
    • Annual fee
    • Pay-in-full card
    • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
    • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
    • Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
    • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
    • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
    • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
    • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • This is a pay-in-full card, so your balance is due in full every month

The Business Platinum Card® from American Express

Great for: Luxury travel benefits

Apply Now for The Business Platinum Card® from American Express

On American Express's Secure Website.

Rates & Fees External Link Icon

The Business Platinum Card® from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for The Business Platinum Card® from American Express

On American Express's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.49% - 27.49% Variable

Rewards Circle with letter I in it. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

1X - 5X points

Annual Fee

$695

Welcome Offer Circle with letter I in it. Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 Membership Rewards® points

  • For businesses that prioritize premium travel perks and elite rewards, this is a top-tier choice. You’ll earn 5X points on flights and prepaid hotels booked through Amex Travel, along with 1.5X points on eligible large purchases. But what sets this card apart is the extensive list of travel benefits, including airport lounge access, annual travel credits, and a credit toward TSA PreCheck/Global Entry fee reimbursement. While it comes with a higher annual fee, we think the luxury perks and exclusive rewards make it a valuable investment for frequent business travelers. Read Full Review

    • Versatile rewards points
    • Huge welcome offer
    • Airport lounge access
    • Complimentary elite statuses
    • Tons of statement credits
    • High annual fee
    • No free employee cards
    • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024. Access is limited to eligible Card Members.
    • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®.
    • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
    • NEW! Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
    • Earn 5X Membership Rewards Points® on Flights, and Prepaid Hotels Booked through AmexTravel.com
    • 1X points on other eligible purchases
    • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
    • $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
    • $695 Annual Fee.
    • Terms Apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Trip delay insurance, trip cancellation and interruption insurance, cell phone protection, underwritten by New Hampshire Insurance Company, an AIG Company. • Extended warranty, baggage insurance, car rental loss and damage, and purchase protection underwritten by AMEX Assurance Company. • If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

Capital One Spark 1% Classic Card

Great for: Limited credit history

Read Review
Capital One Spark 1% Classic Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair/New to Credit Under(669)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair/New to Credit Under(669)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

29.99%, variable

Rewards

1% cash back

Annual Fee

$0

Welcome Offer

N/A

  • For businesses or borrowers with fair credit, this card is a winner. Purchases earn unlimited 1% cash back, plus it includes a $0 annual fee. These perks are rare for cards in this credit score range.

    • Flexible credit score requirements
    • Cash back on purchases
    • No annual fee
    • No foreign transaction fee
    • No rewards
    • No intro APR offer
    • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
    • No annual fee
    • Build and strengthen credit for your business by using this credit card responsibly
    • $0 Fraud Liability if your card is lost or stolen
    • Free employee cards, which also earn unlimited 1% cash back on purchases
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
    • No foreign transaction fees
The Capital One Spark 1% Classic Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate business credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and integration with expense-tracking software.

Our highest-rated credit cards have:

  • An average rewards rate above 2% (or 2x points or miles)
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks that make running a business easier, like integration with expense-tracking software, premium travel benefits, and free employee cards.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best business credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How to choose the best small business card for you

1. Identify your spending habits and business needs

Before choosing a card, think about how your business spends money. Are you looking for cash back on every purchase, or do you travel frequently and want airline miles or hotel perks? Do you prefer a flat-rate rewards card that keeps things simple, or do you want to maximize earnings in specific spending categories?

If you're planning a large purchase, a 0% intro APR period could help manage cash flow without racking up interest. Knowing what you need upfront will help narrow down the best options.

2. Compare key features

Not all business credit cards are created equal, so pay attention to the fine print. A fixed cash back card gives you a consistent return, while category-based rewards let you earn more in areas like office supplies, dining, or travel. Annual fees can be worth it if the perks outweigh the cost, and a big sign-up bonus can provide an extra boost -- but make sure the spending requirement fits your budget.

If you have employees, check if additional employee cards are free or come with an extra charge. And if you make international purchases, look for a card with no foreign transaction fees to avoid unnecessary costs.

3. Check credit score requirements

Most of the best business credit cards require a good to excellent credit score (670-850) for approval. If your credit isn't quite there yet, don't worry -- there are secured business credit cards and options that don't require a credit check, though they may come with lower limits and fewer perks.

4. Consider issuer-specific perks

Different issuers offer unique benefits, so it's worth seeing which one aligns best with your business needs.

  • Chase Ultimate Rewards is great if you want flexible travel redemptions or the ability to transfer points to airline and hotel partners.
  • Amex Membership Rewards tends to offer premium perks, especially for travel-heavy businesses.
  • If you want something simple, Capital One Spark cards are known for straightforward cash back without the need to track categories.

5. Think about long-term value

Don't just pick a card based on an attractive sign-up bonus -- think about how well it will serve your business in the long run. Will you outgrow its benefits in a year? Does the rewards structure match how your business spends money consistently? The right business credit card should not only meet your needs today but also provide ongoing value as your company scales.

How to apply for a business credit card

Gather the required information

Before you dive into an application, make sure you have your business details ready. You'll need your legal business name and structure, whether you're a sole proprietor, LLC, or corporation. If you're running a one-person operation, don't stress -- you can apply using your Social Security Number (SSN) instead of an Employer Identification Number (EIN).

Issuers will also ask for your estimated annual revenue and expenses, so have a ballpark figure in mind. And yes, your personal credit score matters -- most business credit cards require good to excellent credit, so it's worth checking before you apply.

Choose the right card

Not all business credit cards are built the same, so pick one that works for your company's needs. Do you want cash back on everything, or do you spend big in categories like travel or advertising? Are you looking for a 0% intro APR to manage a large purchase, or do you prefer a card with premium perks?

The right choice depends on how you plan to use it, so think about your business's spending habits and long-term financial goals before committing.

Submit an online application

Once you've found your perfect match, applying is the easy part. Most online applications take five to 10 minutes to complete, and some issuers offer instant approval. If they need more information, expect a follow-up request or a short waiting period. Either way, don't refresh your inbox every five minutes -- just give it a little time.

Receive and activate your card

If approved, your shiny new business card should arrive within seven to 10 business days. Activate it immediately so you can start earning rewards. If you have a team, now's the time to issue employee cards and set spending limits -- keeping your expenses organized is way easier than chasing down receipts later.

Use it strategically

This isn't just another piece of plastic in your wallet -- it's a tool to help your business grow. To make the most of it, pay your balance on time to avoid interest and keep your credit score in good shape. Use it for everyday business expenses to rack up rewards, and if your card has bonus categories, be sure to take advantage of them. A little strategy goes a long way in maximizing your card's value.

FAQs

  • Yes, many issuers allow sole proprietors to apply using their Social Security Number (SSN) instead of an EIN. Freelancers, independent contractors, and side hustlers can qualify, even without an LLC or formal business structure.

  • It depends on the issuer. Some business credit cards report activity to personal credit bureaus, especially if you miss payments. However, most only report to business credit bureaus, meaning responsible use won't impact your personal score.

  • Business credit cards are designed specifically for business expenses, often offering higher credit limits and rewards tailored to common business spending categories, such as office supplies, travel, or advertising.

    In contrast, personal credit cards are meant for individual spending and come with stronger consumer protections. While business credit cards typically lack these same protections, they can be a valuable tool for building business credit, which may help secure better financing options in the future.