Whether you’re traveling for business or buying office supplies, you can use a business credit card to earn rewards on your purchases. Many of the best business credit cards have a low or no annual fee, no charges for foreign transactions, and other perks. You can qualify for a great rate based on your credit score and start earning rewards with your first purchase.
Compare the top business credit cards on this list to find the best small business credit card for your needs. Assess how you can leverage low interest rates and strategically use rewards to choose the right credit card for your company.
|The Best Business Credit Cards|
|Credit Card||Intro APR||APR||Rewards|
|TD Business Solutions||0% for first 12|
|3% cash back on phone, internet and cable services|
2% cash back on dining and gas station purchases
1% on other purchases
|American Express Blue for Business||0% for 9 months||11.99%- 19.99%||2x points for each $1 of eligible purchases|
1x points for each $1 spent on eligible purchases
|American Express SimplyCash Business||0% for 9 months||12.99%, 17.99%,|
|5% cash back at U.S. office supply stores and U.S. wireless telephone services|
3% cash back from category of your choice from list
1% on other purchases
|Bank of America Cash Rewards for Business Mastercard||0% for 9 months||11.99%-21.99%||3% cash back on purchases at gas stations and office supply stores (up to $250K annually, then 1%)|
2% on purchases at restaurants
1% on other purchases
|Bank of America WorldPoints Travel Rewards for Business Visa||0% for 9 months||11.99%-21.99%||2 rewards points per $1 on purchases at gas stations, restaurants, and office supply stores|
1 reward point per $1 on all other purchases
|BBVA Compass Visa Business Rewards||0% for 9 months||9.99% to 23.99%||1 point for every $1 in qualifying purchases|
|Capital One Spark Classic for Business||n/a||23.74%||Unlimited 1% cash back on every business purchase|
|Capital One Spark Miles Select for Business||0% for 9 months||13.74%, 17.74%,|
|Unlimited 1.5x miles on every business purchase|
|Chase Ink Cash Business||0% for 12 months||13.99%-19.99%||5% cash back on first $25K spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each anniversary year|
2% cash back on first $25K spent in combined purchases at gas stations and restaurants each year
1% cash back on all other purchases
|US Bank Business Edge Cash Rewards World Elite Mastercard||0% for 9 months||12.49%- 18.49%||3% cash back on eligible cellular, gas and office supply store net purchases|
1% cash back on all other eligible net purchases
25% annual bonus based on prior year’s cash rewards up to $250
|CitiBusiness AAdvantage Platinum Select World Mastercard||n/a||16.49%||2 AAdvantage miles for every $1 spent on American Airlines purchases|
2 AAdvantage miles for every $1 spent on purchases at telecommunications, car rental merchants and gas stations
Earn cash back and don’t worry about caps, limits or rotating categories. You’ll pay no annual fee or foreign transactions fees with this card. And a 0 percent introductory APR will save you interest on purchases you make during your first 12 billing cycles. You can also take advantage of a 0 percent promotional offer on all your balance transfers for the first 12 billing cycles. Spend just $3,000 during the first 90 days and earn $200 cash back.
Make a purchase within the first three months of activating your card and you’ll receive 10,000 membership rewards points. Because the card rewards you with 30 percent more points than other cards each year with the annual relationship bonus, this is one of the best business cards available.
If you’re a frequent traveler and want to earn rewards on all types of purchases, this credit card can help you earn cash back as a statement credit. You can customize your 3 percent cash back rewards from a list that includes airfare, hotel rooms, shipping charges and more. Other benefits include baggage insurance, extended warranty coverage and access to a travel assistance hotline.
Make at least $500 in purchases during the first 60 days of opening your account and receive a $200 statement credit as an introductory reward. You can redeem your cash back after earning $25 and have cash deposited directly into a Bank of America small business checking or savings account. There’s no annual fee associated with this card.
Apply online to earn a $200 bonus statement credit after you make at least $500 in purchases within 60 days of opening your account. You can start redeeming points for travel — with no blackout dates — gift cards or cash when you earn 2,500 points. There’s no annual fee, and you’ll receive fraud monitoring and overdraft protection services.
In addition to earning points for purchases, you can earn double or triple CompassPoints by customizing your rewards program. You can also take advantage of the Visa SavingsEdge program, which will save you up to 15 percent on purchases from participating merchants, such as Alamo, La Quinta Inns and Suites, and Godiva.
For Business and Travel: United MileagePlus Explorer Business Card Review
If your credit score isn’t ideal, this card can help you build your credit if you use it responsibly. You’ll earn unlimited rewards, and you can request additional cards for employees at no extra cost — all while earning rewards for your account from their purchases.
You’ll earn 20,000 bonus miles when you spend $3,000 on eligible purchases within the first three months, and you can cash the miles in for $200 in travel purchases. There’s no annual fee, and you can request additional cards for employees for free.
If you make $3,000 worth of purchases in the first three months of opening your account you’ll receive a $300 cash back bonus with this Chase business credit card. You can redeem your rewards for cash back when you accumulate 2,000 points or use them toward vacation packages, cruises, and flights on major airlines — with no blackout dates or restrictions. You can also redeem your points for Amazon.com orders or choose from more than 70 gift cards.
You can redeem your rewards as soon as you earn $25 and can deposit them to any U.S. bank business account. You can also trade your rewards for a non-reloadable MasterCard Rewards card that you use just like a prepaid MasterCard or apply them as a statement credit. There’s no annual fee for this card.
If you make $1,000 worth of purchases within the first three months, you’ll get 30,000 American Airlines AAdvantage bonus miles. You’ll also enjoy travel perks including preferred boarding on American Airlines domestic flights and no fees on your first checked bag. Use your card for in-flight purchases on American Airlines flights to get a 25 discount.
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GOBankingRates.com identified the best business credit cards by analyzing purchase APRs, rewards and offers. All fees and rates are subject to change at the credit card issuers’ discretion, and some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.
GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.
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