Whether you’re traveling 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 no annual fee, no charges for foreign transactions, very competitive rewards and various other perks. Depending on your credit, you can leverage low-interest rates and strategically use rewards to help your company save money.
Compare the top business credit cards on this list to find the best small-business credit card for your needs.
|The Best Business Credit Cards|
|Credit Card||Best For||APR||Rewards|
|TD Business Solutions||Phone, cable and internet expenses||0% for first six
billing cycles, then 14.74%, 19.74% or
|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 Business Plus||No category restrictions for rewards||0% for 15 months, then 12.99%, 16.99% or 20.99% thereafter||2x points on eligible purchases up to $50,000|
|American Express SimplyCash Business||Office supply expenses and wireless phone bills||0% for nine months, then 13.99%, 18.99%, or 20.99% thereafter||5% cash back at U.S. office supply stores and U.S. wireless telephone services
3% cash back from category of your choice (choose from a list of eight)
1% on other purchases
|Bank of America Business Advantage Cash Rewards Mastercard||Fuel and office supply expenses||0% for nine billing cycles, then 12.99% to 22.99% thereafter||3% cash back on purchases at gas stations and office supply stores (up to $250,000 annually, then 1%)
2% on purchases at restaurants
1% on other purchases
|Bank of America Business Advantage Travel Rewards World Mastercard||Travel||0% for nine months, then 12.99% to 22.99% thereafter||1.5x points on all purchases
3x points on travel booked through the Bank of America Travel Center
|BBVA Visa Business Rewards||Fuel and office supply expenses||0% for nine months, then 10.99% to 24.99 thereafter||1 point for every $1 in qualifying purchases
2x points on qualifying gas, office supply, telephone and insurance purchases
|Capital One Spark Classic for Business||Unlimited cash back||24.74%||Unlimited 1% cash back on every business purchase|
|Capital One Spark Miles Select for Business||Travel||0% for nine months, then 14.74% to 22.74% thereafter||Unlimited 1.5x miles on every business purchase|
|Chase Ink Business Cash||Expenses for office supplies as well as internet, phone and cable services||0% for 12 months, then 14.99% to 20.99% thereafter||5% cash back on first $25,000 spent in combined purchases at office supply stores and internet, cable and phone services each year
2% cash back on first $25,000 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||Expenses for fuel, wireless phone services and office supplies||0% for nine billing cycles, then 13.74% to 24.74 thereafter||3% cash back on eligible cellular, gas and office supply 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||Travel with American Airlines||17.49% to 25.49%||2 AAdvantage miles for every $1 spent on American Airlines purchases
2 AAdvantage miles for every $1 spent on purchases at select business categories
|Rates depend on creditworthiness and are accurate as of Sept. 11, 2018.|
You’ll pay no annual fee or foreign transaction fees with this card. Plus, earn cash back and don’t worry about caps, limits or rotating categories.
The 0% introductory APR will help you avoid interest on purchases during your first six billing cycles. Spend just $3,000 during the first 90 days and earn $300 cash back, but be careful to avoid cash advances if possible — they come with a hefty 26.99% APR.
Prepaid Business Credit Cards: A Way to Control Expenses
You can earn 10,000 extra rewards points after spending at least $3,000 on eligible purchases in the first three months after opening the card, and you’ll get double points on eligible purchases up to $50,000 with no restrictions based on category. There’s no annual fee, plus the 0% introductory APR lasts for 15 months and applies to both balance transfers and purchases.
If you want to earn rewards on all types of purchases, this credit card allows you to 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, the ability to charge above your credit limit and access to a travel assistance hotline.
Related: Best Travel Credit Cards
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 depositing directly into a Bank of America small-business checking or savings account. There’s no annual fee associated with this card.
There’s no annual fee, and you’ll receive fraud monitoring and overdraft protection services. Make $1,000 in purchases in the first 60 days to earn 25,000 bonus points, which can be redeemed for a $250 statement credit. Points can be accumulated without limit and don’t expire.
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 12 percent on purchases from participating merchants, such as La Quinta Inns and Suites, Chevron and Stamps.com.
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 — plus earn 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.
Capital One Business Credit Card Comparison: Variable APRs and Unlimited Rewards
If you make $3,000 worth of purchases in the first three months of opening your account, you’ll receive a $500 cash-back bonus with this Chase business credit card. There’s no annual fee, and you can boost your rewards by getting additional employee cards at no additional cost.
You can redeem your rewards as soon as you earn $25. Deposit rewards into any U.S. Bank checking, savings or money market account; apply them as a statement credit; or trade them in for a U.S. Rewards card that you can use, like a prepaid Mastercard. There’s no annual fee for this card.
If you make $4,000 worth of purchases within the first four months, you’ll get 70,000 American Airlines AAdvantage bonus miles. You’ll also enjoy travel perks such as preferred boarding on American Airlines 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.
Check out the 10 best credit cards for people with bad credit.
More on Business Credit Cards
- Entrepreneurs Recommend Their Favorite Small-Business Credit Cards
- 7 Ways to Capitalize on Your Small-Business Credit Card Benefits
- Best Cash-Advance Credit Cards With Low Fees and Low Rates
Joel Anderson contributed to the reporting for this article.
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.
The information related to the CitiBusiness AAdvantage Platinum Select World MasterCard has been collected by GOBankingRates.com and has not been reviewed or provided by the issuer or provider of this product or service.
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 alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article.
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