What is the best credit card for startups or new businesses?

Many business credit cards are available to startups. The best business card for one business may not be the best one for yours. Finding the right business credit card to help cover costs (which averages $40,000 in the first year) and get your new business up and running depends on finding a card with the benefits that matter most to you, gives you maximum value and is something you can afford.

How can I start my business credit?

Starting to build your business credit could be as easy as establishing credit with vendors and suppliers. But not all credit lenders will report accounts to business credit bureaus. Opening a business credit card is a better option. That’s because major issuers like Capital One, American Express and Chase report your activity to the commercial credit bureaus, such as Dun & Bradstreet. Another benefit is that you can avoid interest charges with a business credit card as long as you consistently pay your balance in full each month.

What are alternatives to a business credit card?

Small business credit cards can provide a lot of value, but they’re not the best solution for every business. Some entrepreneurs will need to cover expenses that exceed a credit card’s limits, carry a balance over a long period of time or may simply have poor credit. The most common alternatives to business cards are: Business loans: The best small business loans can have higher loan amounts and lower interest rates than business credit cards. Business lines of credit: A business line of credit may come with higher credit limits than a business credit card, especially if you have good or excellent credit. Personal credit cards: While you may miss out on the perks of a business credit card, personal credit cards at least guarantee you consumer protections against fraud and may have longer intro APR offers.

Best business credit cards of July 2024

How the Ink Business Cash can earn you high rewards on your business needs<\/a> Alternatives:<\/strong> If most of your monthly business expenses go beyond routine office supplies, you may find that a flat-rate card like <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//ink-business-unlimited-credit-card///">the Ink Business Unlimited\u00ae Credit Card<\/a> offers more value and still has additional Chase perks.<\/div>","pros_and_cons_header":"What you should know","pros":["The value of the sign-up bonus is superb for a card without an annual fee.","The card\u2019s rewards are generous and the categories are useful for small- and mid-sized businesses."],"cons":["The card\u2019s bonus cash back has a spending cap, which might limit the card\u2019s usefulness for larger business budgets.","There\u2019s no intro APR on balance transfers, which hurts the card\u2019s up-front value for business owners who want to pay down debts."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for earning rewards on office expenses

Add to compare

Ink Business Cash® Credit Card

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

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

$750 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

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.

1% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

Why you’ll like this card: This card earns big on office essentials, including office supplies and internet, while offering a great welcome offer.

- 5% 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
- 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
What we love: Few cash back business cards offer such a high rewards rate on office expenses. Even though the card’s maximum cash back rate only applies to the first $25,000 spent in each bonus category each account anniversary year (then 1 percent), the sign-up bonus, redemption value and additional perks all help make this a standout option for business owners looking for maximum value without paying an annual fee.

Learn more: How the Ink Business Cash can earn you high rewards on your business needs

Alternatives: If most of your monthly business expenses go beyond routine office supplies, you may find that a flat-rate card like the Ink Business Unlimited® Credit Card offers more value and still has additional Chase perks.
Pros

The value of the sign-up bonus is superb for a card without an annual fee.

The card’s rewards are generous and the categories are useful for small- and mid-sized businesses.

Cons

The card’s bonus cash back has a spending cap, which might limit the card’s usefulness for larger business budgets.

There’s no intro APR on balance transfers, which hurts the card’s up-front value for business owners who want to pay down debts.
- 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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

Why I love the Capital One Spark Cash Plus credit card<\/a> Alternatives:<\/strong> If the credit score requirement for the Spark Select is a bit too high, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//brex-30///">Brex 30 Card<\/a> could be a good alternative. Not only does it not require a credit history, but it also doesn\u2019t require a personal guarantee, while offering rewards and a potentially high credit limit. <\/div>","pros_and_cons_header":"What you should know","pros":["You can get an upgraded welcome bonus of $750 when you spend $6,000 within the first three months of account opening.","You can also earn boosted cash back on hotels and rental cars when you book them through the Capital One Travel portal."],"cons":["Other business cards have higher flat cash back rates, even for excellent credit.","The card lacks transfer partners, limiting its redemption options compared to top competing business cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Its flat rewards rate makes it a great fit if you want a card that offers flexibility and a low-cost balance transfer."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for no balance transfer fee

Add to compare

Capital One Spark Cash Select for Excellent Credit

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 740 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

$750

$750 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions.

1.5% - 5%

Annual fee

$0

Regular APR

18.49% - 24.49% (Variable)

Why you’ll like this card: Its flat rewards rate makes it a great fit if you want a card that offers flexibility and a low-cost balance transfer.

- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 1.5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
What we love: The Capital One Spark Cash Select for Excellent Credit is not just a great no-annual-fee card but also an excellent card for transferring balances at no additional cost. It’s a rewarding, low-cost choice for businesses that meet the credit requirements and want a card with flexible utility.

Learn more: Why I love the Capital One Spark Cash Plus credit card

Alternatives: If the credit score requirement for the Spark Select is a bit too high, the Brex 30 Card could be a good alternative. Not only does it not require a credit history, but it also doesn’t require a personal guarantee, while offering rewards and a potentially high credit limit.
Pros

You can get an upgraded welcome bonus of $750 when you spend $6,000 within the first three months of account opening.

You can also earn boosted cash back on hotels and rental cars when you book them through the Capital One Travel portal.

Cons

Other business cards have higher flat cash back rates, even for excellent credit.

The card lacks transfer partners, limiting its redemption options compared to top competing business cards.
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges

Is the Ink Business Unlimited worth it?<\/a> Alternatives:<\/strong> If you like the Ink Business Unlimited\u00ae Credit Card but balk at the welcome offer requirements, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-spark-cash-select-for-business///">Capital One Spark Cash Select for Excellent Credit<\/a> offers the same solid rewards rate, but its sign-up bonus comes with a much lower spending requirement.<\/div><div>  <\/div>","pros_and_cons_header":"What you should know","pros":["The rewards program is straightforward and rather generous for a no-annual-fee card.","You can pool and transfer rewards for extra value if you have a Chase Ultimate Rewards card."],"cons":["Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card.","This card lacks an intro APR offer on balance transfers, which is a detriment if you need to pay down card debt."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Its exceptional welcome offer and low cost make it a great starter option if you\u2019re new to building business credit."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Balance Transfer","image":"04593be0-bd24-11e9-8c33-b96e508849bb.svg"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Chase","image":null},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for large welcome offer

Add to compare

Ink Business Unlimited® Credit Card

Bankrate score

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.2

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

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

$750 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn unlimited 1.5% cash back on every purchase made for your business.

1.5%

Annual fee

$0

Regular APR

18.49% - 24.49% Variable

Why you’ll like this card: Its exceptional welcome offer and low cost make it a great starter option if you’re new to building business credit.

- 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
What we love: The Ink Business Unlimited is a simple, no-annual-fee option that’s perfect for business owners who don’t want to be bothered with ever-changing bonus categories. You earn unlimited cash back on all purchases and get the valuable benefit of an intro APR offer on purchases.

Learn more: Is the Ink Business Unlimited worth it?

Alternatives: If you like the Ink Business Unlimited® Credit Card but balk at the welcome offer requirements, the Capital One Spark Cash Select for Excellent Credit offers the same solid rewards rate, but its sign-up bonus comes with a much lower spending requirement.
Pros

The rewards program is straightforward and rather generous for a no-annual-fee card.

You can pool and transfer rewards for extra value if you have a Chase Ultimate Rewards card.

Cons

Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card.

This card lacks an intro APR offer on balance transfers, which is a detriment if you need to pay down card debt.
- 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

Amex Blue Business Cash vs Amex Blue Business Plus<\/a> Alternatives:<\/strong> If your business has high monthly expenses, you may get more value from the Capital One Spark Cash Plus, which also offers flat-rate rewards on purchases, but doesn\u2019t impose spending caps. <\/div>","pros_and_cons_header":"What you should know","pros":["The card\u2019s rewards are generous for a no-annual-fee card.","You\u2019ll have access to Expanded Buying Power, a flexible financing option that lets you potentially spend more than your card limit if needed."],"cons":["Your bonus rewards are subject to a cap, which may limit the card\u2019s value if you run a business with large expenses.","It charges a foreign transaction fee, which can make spending with international merchants expensive."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It offers great payment flexibility with its intro APR and Expanded Buying Power feature."},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Roadside Assistance","image":"aa9e23720be9c22177565be427797d94.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for no annual fee

Add to compare

The Blue Business® Plus Credit Card from American Express

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 Membership Rewards® points

$300 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

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.

1X - 2X

Annual fee

No annual fee

Regular APR

18.49% - 26.49% Variable

Why you’ll like this card: It offers great payment flexibility with its intro APR and Expanded Buying Power feature.

- 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
- 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
What we love: This Amex business card has an impressive flat rate on up to $50,000 in purchases each year. It’s even more valuable thanks to the lack of an annual fee and Amex’s Membership Rewards program, which provides exceptional value for travel redemptions. The card is a great fit for small businesses with limited revenue, such as sole proprietorships and startups, that still want a card that provides strong value.

Learn more: Amex Blue Business Cash vs Amex Blue Business Plus

Alternatives: If your business has high monthly expenses, you may get more value from the Capital One Spark Cash Plus, which also offers flat-rate rewards on purchases, but doesn’t impose spending caps.
Pros

The card’s rewards are generous for a no-annual-fee card.

You’ll have access to Expanded Buying Power, a flexible financing option that lets you potentially spend more than your card limit if needed.

Cons

Your bonus rewards are subject to a cap, which may limit the card’s value if you run a business with large expenses.

It charges a foreign transaction fee, which can make spending with international merchants expensive.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply

Is the Amex Business Gold card worth it?<\/a> Alternatives:<\/strong> If you like the idea of flexible reward categories but don\u2019t want to deal with the Amex Business Gold Card\u2019s annual fee, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-business-advantage-cash-rewards-mastercard///">Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card<\/a> offers similar flexibility at no annual fee.<\/div>","pros_and_cons_header":"What you should know","pros":["The card earns a generous return on some prime business-centric bonus categories.","It offers access to several useful business expense management tools."],"cons":["The card\u2019s highest bonus cash back category is subject to a cap, which you might find limiting, depending on your spending.","The $375 annual fee may prove difficult to offset with the card\u2019s niche statement credits."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It has a high-value welcome offer and great airline transfer partners."},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for reward category flexibility

Add to compare

American Express® Business Gold Card

Bankrate score

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

5.0

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Earn 70,000 points

$1,400 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. 1X is earned for other purchases. **.

1X - 4X

Annual fee

$375

Regular APR

19.49% - 28.49% Variable

Why you’ll like this card: It has a high-value welcome offer and great airline transfer partners.

- 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- 3X Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- 1X 1X is earned for other purchases. **
What we love: American Express offers a high rewards rate on six valuable, business-oriented categories with this card, making it easy for small businesses to maximize their card rewards in pace with business spending needs. And with American Express's impressive list of airline transfer partners, it's an especially great card if you'd like to redeem your rewards for travel.

Learn more: Is the Amex Business Gold card worth it?

Alternatives: If you like the idea of flexible reward categories but don’t want to deal with the Amex Business Gold Card’s annual fee, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers similar flexibility at no annual fee.
Pros

The card earns a generous return on some prime business-centric bonus categories.

It offers access to several useful business expense management tools.

Cons

The card’s highest bonus cash back category is subject to a cap, which you might find limiting, depending on your spending.

The $375 annual fee may prove difficult to offset with the card’s niche statement credits.
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply

Ink Business Premier benefits guide<\/a> Alternatives:<\/strong> A rewards card with tiered categories may be better if your business spending is more aligned with specific business purchases. For example, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//ink-business-cash-credit-card///">Ink Business Cash\u00ae Credit Card<\/a> charges no annual fee and offers a higher cash back rate on office supply store, internet, cable and phone service purchases.<\/div>","pros_and_cons_header":"What you should know","pros":["It offers one of the highest flat rates available if you meet the requirements: 2.5 percent cash back on all large purchases of $5,000 or more.","The card comes with a high sign-up bonus that\u2019s more accessible than comparable offers."],"cons":["The card lacks bonus categories with boosted rates, which are increasingly common on flat-rate cash back cards.","The high annual fee can cut into your reward earnings."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It\u2019s one of the only business cards that offers a boosted flat rewards rate on large purchases (with no cap)."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for large purchases

Add to compare

Ink Business Premier® Credit Card

Bankrate score

3.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

3.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000 Cash Back

$1000 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Unlimited 5% total cash back on travel purchased through Chase Travel℠. Unlimited 2.5% total cash back on purchases of $5,000 or more. Unlimited 2% cash back on all other business purchases.

2% - 5%

Annual fee

$195

Regular APR

Flex for Business Variable APR: 19.49% - 27.49%

Why you’ll like this card: It’s one of the only business cards that offers a boosted flat rewards rate on large purchases (with no cap).

- 5% Unlimited 5% total cash back on travel purchased through Chase Travel℠
- 2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
- 2% Unlimited 2% cash back on all other business purchases.
What we love: On top of a generous flat rate on all your purchases, you can earn an even higher cash back rate on purchases of $5,000 or more. This makes this Chase business card a top choice for small-business owners with larger budgets and expenses that fall outside of the typical bonus rewards categories available on other business cards.

Learn more: Ink Business Premier benefits guide

Alternatives: A rewards card with tiered categories may be better if your business spending is more aligned with specific business purchases. For example, the Ink Business Cash® Credit Card charges no annual fee and offers a higher cash back rate on office supply store, internet, cable and phone service purchases.
Pros

It offers one of the highest flat rates available if you meet the requirements: 2.5 percent cash back on all large purchases of $5,000 or more.

The card comes with a high sign-up bonus that’s more accessible than comparable offers.

Cons

The card lacks bonus categories with boosted rates, which are increasingly common on flat-rate cash back cards.

The high annual fee can cut into your reward earnings.
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC

Amex Blue Business Cash Card benefits guide<\/a> Alternatives:<\/strong> Small businesses that prefer the value of points over the convenience of cash back may prefer <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//the-blue-business-plus-credit-card-from-american-express-review///">The Blue Business\u00ae Plus Credit Card from American Express<\/a>. You can transfer Amex Membership Rewards points to hotels and airline partners, often boosting their value beyond what you can earn on a typical cash back business card. <\/div>","pros_and_cons_header":"What you should know","pros":["This card offers reliable cash back and a solid intro APR on purchases.","You can access Expanded Buying Power, a flexible financing option that lets you potentially spend more than your credit limit typically allows."],"cons":["The 2 percent cash back rate is capped to your first $50,000 in purchases per year, then drops to 1 percent.","This card offers no intro APR on balance transfers, which would\u2019ve been a nice addition if you need to pay off existing card debt."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It charges no annual fee and comes with an intro APR offer on purchases \u2014 a rarity on business cards."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best for flat-rate cash back

Add to compare

The American Express Blue Business Cash™ Card

Bankrate score

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.3

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250 statement credit

$250 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 1% cash back on all eligible purchases after spending $50,000 per calendar year.

1% - 2%

Annual fee

No annual fee

APR

18.49% - 26.49% Variable

Why you’ll like this card: It charges no annual fee and comes with an intro APR offer on purchases — a rarity on business cards.

- 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
What we love: Offering flexible financing options and solid flat-rate rewards (albeit subject to an annual cap), the American Express Blue Business Cash Card is decidedly well-rounded for a no-annual-fee business card. If you love earning straightforward cash rewards on purchases and can stay under the yearly spending limit, you could earn more cash back with this card than the typical flat-rate business credit cards.

Learn more: Amex Blue Business Cash Card benefits guide

Alternatives: Small businesses that prefer the value of points over the convenience of cash back may prefer The Blue Business® Plus Credit Card from American Express. You can transfer Amex Membership Rewards points to hotels and airline partners, often boosting their value beyond what you can earn on a typical cash back business card.
Pros

This card offers reliable cash back and a solid intro APR on purchases.

You can access Expanded Buying Power, a flexible financing option that lets you potentially spend more than your credit limit typically allows.

Cons

The 2 percent cash back rate is capped to your first $50,000 in purchases per year, then drops to 1 percent.

This card offers no intro APR on balance transfers, which would’ve been a nice addition if you need to pay off existing card debt.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply

Why these business travelers love the Amex Business Platinum<\/a> Alternatives:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//the-business-gold-rewards-card-from-american-express-open///">The American Express\u00ae Business Gold Card<\/a> may be a better match if your business requires little traveling. Not only will you spend a lot less on annual fees, but you stand to earn a higher rewards rate on your top expense categories. <\/div>","pros_and_cons_header":"What you should know","pros":["The card touts an enormous welcome offer and hundreds of dollars worth of statement credits.","Key card benefits include bonus rewards on useful business categories and an annual business-centric statement credit (terms apply)."],"cons":["The card\u2019s annual credits come with a number of caveats and can be tricky to maximize, depending on your spending needs.","The annual fee is one of the priciest on the market."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":"Elevated Offer","limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart."},"program":{"id":39,"name":"American Express Membership Rewards","active_rate":{"id":40,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Airport Lounge Access","image":"0a7bb0c9d2441e79b34993203e8d1f86.png"},{"name":"Annual Travel Credit","image":"3f500bac6b57606be541be2d7aa59aa9.png"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Concierge Service","image":"9a88b402c09f511d28190e3d832d539f.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Elite Status","image":"9fa189a52338b4574699750e7a6e121d.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Free Wi-Fi Access","image":"b67ead4ff3cb0e57462c3dce8e876546.png"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Presale Tickets","image":"bb284692903330764acc7c1350a85a42.png"},{"name":"Private Jet Access","image":"2566a3a19d7cf57528d908d8d8163ce5.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Roadside Assistance","image":"aa9e23720be9c22177565be427797d94.png"},{"name":"TSA\/Customs Reimbursement","image":"2c364fe0-bd24-11e9-a841-3728becc33ed.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Ultra-Premium Card","image":null},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Elevated Offer

Best for luxury travel perks

Add to compare

The Business Platinum Card® from American Express

Bankrate score

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.8

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro 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.

Earn 150,000 points

$3,000 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X 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 everywhere else, on up to $2 million of these purchases per calendar year. 1X points for each dollar you spend on eligible purchases.

1X - 5X

Annual fee

$695

Regular APR

19.49% - 28.49% Variable

Why you’ll like this card: Its best-in-class perks, generous rewards rate on common business purchases and valuable welcome offer set it apart.

- 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
- 1.5X Earn 1.5X 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 everywhere else, on up to $2 million of these purchases per calendar year.
- 1X 1X points for each dollar you spend on eligible purchases.
What we love: Despite the high annual fee, this is one of the best business travel credit cards on the market. On top of the generous rewards and welcome offer, business travelers can access over 1,400 airport lounges worldwide with this card and take advantage of hundreds of dollars worth of statement credits on business and travel spending.

Learn more: Why these business travelers love the Amex Business Platinum

Alternatives: The American Express® Business Gold Card may be a better match if your business requires little traveling. Not only will you spend a lot less on annual fees, but you stand to earn a higher rewards rate on your top expense categories.
Pros

The card touts an enormous welcome offer and hundreds of dollars worth of statement credits.

Key card benefits include bonus rewards on useful business categories and an annual business-centric statement credit (terms apply).

Cons

The card’s annual credits come with a number of caveats and can be tricky to maximize, depending on your spending needs.

The annual fee is one of the priciest on the market.
- 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.
- 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 (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 everywhere else, on up to $2 million of these purchases per calendar year.
- 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®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- 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 03/2023.
- $695 Annual Fee.
- Terms Apply.

Capital on Tap Business Credit Card<\/a> has a lower rewards rate but could have a potentially high credit limit. Plus, applying won\u2019t impact your credit score.<\/div>","pros_and_cons_header":"What you should know","pros":["You won\u2019t pay an annual fee to use this card, which is always helpful on a card for fair or poor credit.","Your Flex Line spending limit is based on your business revenue, not your credit history, so your purchasing power can grow as your business grows."],"cons":["Though this combo is available with less-than-perfect credit, it still has business revenue requirements that may be hard for some small-business owners to reach.","Its financing model means you can\u2019t avoid finance charges like you could if you used a credit card and didn\u2019t carry a balance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It charges few fees and approval is based on your business revenue, not your credit score."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best for fair/subprime credit

Add to compare

Revenued Business Card

Bankrate score

2.7

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

2.7

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 300 - 670

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Revenued's secure site

Intro offer

Intro offer is not available for this Revenued credit card.

N/A

Rewards Rate

Rewards rate is not available for this credit card.

N/A

Annual fee

None

Regular APR

Factor Based

Why you’ll like this card: It charges few fees and approval is based on your business revenue, not your credit score.

N/A
What we love: This prepaid card and credit line combo bases approvals and finance charges on your business revenue, not your credit score. This makes it worth a look if you’re still growing your business but lack the credit score to qualify for the more popular business credit cards on the market.

Alternatives: Since the Revenued Flex Line uses a purchase of future sales financing model, you can’t avoid finance charges. If you have a good enough credit score to qualify and can avoid carrying a balance, a traditional business card could be a cheaper option. The Capital on Tap Business Credit Card has a lower rewards rate but could have a potentially high credit limit. Plus, applying won’t impact your credit score.
Pros

You won’t pay an annual fee to use this card, which is always helpful on a card for fair or poor credit.

Your Flex Line spending limit is based on your business revenue, not your credit history, so your purchasing power can grow as your business grows.

Cons

Though this combo is available with less-than-perfect credit, it still has business revenue requirements that may be hard for some small-business owners to reach.

Its financing model means you can’t avoid finance charges like you could if you used a credit card and didn’t carry a balance.
- No Annual Fee and no draw fee
- Great if you occasionally need cash fast, but aren’t looking to commit to a Business Loan or Line of Credit
- As your revenue increases, your spending limit increases
- Approvals based on your business revenue and not personal credit
- Access cash on demand with funds deposited straight into your bank account
- Access to business credit tools - Revenued reports to D&B to help build your business credit
- Access to a dedicated U.S-based account manager
- Rated Excellent on Trustpilot with 600+ reviews

Is the Ink Business Preferred worth it?<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//the-business-gold-rewards-card-from-american-express-open///">American Express\u00ae Business Gold Card<\/a> offers elevated rewards on spending in your top two select categories where your business spent the most each billing cycle. Though the Ink Business Preferred wins out on travel, the Amex Business Gold\u2019s rewards rate may be a better value for businesses with somewhat predictable expenses (and if you don\u2019t mind the annual fee).<\/div>","pros_and_cons_header":"What you should know","pros":["The included sign-up bonus is one of the largest you'll find on a business card.","You can boost your point value by 25 percent when booking travel through Chase Travel\u2120, which is a mighty perk."],"cons":["There\u2019s a relatively high spending requirement for the card\u2019s welcome offer, which might make the offer tricky to obtain for businesses that don\u2019t have big spending needs.","There\u2019s no intro APR on purchases or balance transfers, which hurts the up-front value of the card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Its points carry a very high redemption value when you book via Chase Travel\u2120 or transfer to an airline or hotel partner."},"program":{"id":43,"name":"Chase Ultimate Rewards (Sapphire Preferred and Ink Business Preferred cards)","active_rate":{"id":44,"label":"2023","active":1,"unit_value":"0.02000"}},"tags":[{"name":"Annual Fee","image":null},{"name":"Auto Rental Insurance","image":"d6ec79897b86788fd06161de100bae33.png"},{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cellphone Insurance","image":"50422da2ff87513870bf7c1f952e3196.png"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Extended Warranty Program","image":"9cebe165fee20278a857330672d7df78.png"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Primary Auto Rental Insurance","image":"9fb1075bfc14ead7984202901ff13e5d.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Tiered Rewards","image":null},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Trip Cancellation Insurance","image":"a1b8370a910a1d34fa62103b4eb338fe.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for flexible travel redemption

Add to compare

Ink Business Preferred® Credit Card

Bankrate score

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.4

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Chase's secure site

Intro offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 100,000 bonus points

$2,000 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

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 – with no limit to the amount you can earn.

1X - 3X

Annual fee

$95

Regular APR

21.24% - 26.24% Variable

Why you’ll like this card: Its points carry a very high redemption value when you book via Chase Travel℠ or transfer to an airline or hotel partner.

- 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
What we love: Nearly every type of business — from e-commerce to brick and mortar — could benefit from the valuable business rewards that this card brings to the table. But what really makes the card a travel powerhouse is the ability to transfer your points to several Chase travel partners at a 1:1 ratio, including United, Southwest, Marriott and more.

Learn more: Is the Ink Business Preferred worth it?

Alternatives: The American Express® Business Gold Card offers elevated rewards on spending in your top two select categories where your business spent the most each billing cycle. Though the Ink Business Preferred wins out on travel, the Amex Business Gold’s rewards rate may be a better value for businesses with somewhat predictable expenses (and if you don’t mind the annual fee).
Pros

The included sign-up bonus is one of the largest you'll find on a business card.

You can boost your point value by 25 percent when booking travel through Chase Travel℠, which is a mighty perk.

Cons

There’s a relatively high spending requirement for the card’s welcome offer, which might make the offer tricky to obtain for businesses that don’t have big spending needs.

There’s no intro APR on purchases or balance transfers, which hurts the up-front value of the card.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 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

Why the Capital One Spark Cash Plus is an easy-to-use card for businesses<\/a> Alternatives:<\/strong> Like the Spark Cash Plus, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-spark-cash-select-for-business///">Capital One Spark Select for Excellent Credit<\/a> has no preset spending limit. It\u2019s a good choice if you don\u2019t need the Spark Cash Plus\u2019s intro APR, but want to pick up extra value through the card\u2019s welcome offer.<\/div>","pros_and_cons_header":"What you should know","pros":["The card\u2019s rewards program is straightforward and the annual fee refund when you meet the spending requirements turns the card into a value-efficient choice for small businesses.","You\u2019ll skip foreign transaction fees with this business card, which makes it a low-cost option for purchases when traveling abroad."],"cons":["Offsetting the card\u2019s cost may be difficult if you can\u2019t reach the yearly spend requirement.","Given it's a charge card, there are no flexible financing options."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"You\u2019ll earn a great rewards rate on every purchase without worrying about tracking spending categories."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for annual cash bonus

Add to compare

Capital One Spark Cash Plus

Bankrate score

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.6

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 740 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

$1,200 cash back once you spend $30,000 in the first 3 months

$1,200 cash back

$1200 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you’ll like this card: You’ll earn a great rewards rate on every purchase without worrying about tracking spending categories.

- 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
What we love: If your spending varies or you simply don’t want to put a lot of time and thought into maximizing business rewards, this flat-rate cash back card has plenty of appeal. Your rewards won’t expire for the life of the account, and you can redeem your cash back for any amount. Plus, you can get your $150 annual fee refunded every year you spend at least $150,000

Learn more: Why the Capital One Spark Cash Plus is an easy-to-use card for businesses

Alternatives: Like the Spark Cash Plus, the Capital One Spark Select for Excellent Credit has no preset spending limit. It’s a good choice if you don’t need the Spark Cash Plus’s intro APR, but want to pick up extra value through the card’s welcome offer.
Pros

The card’s rewards program is straightforward and the annual fee refund when you meet the spending requirements turns the card into a value-efficient choice for small businesses.

You’ll skip foreign transaction fees with this business card, which makes it a low-cost option for purchases when traveling abroad.

Cons

Offsetting the card’s cost may be difficult if you can’t reach the yearly spend requirement.

Given it's a charge card, there are no flexible financing options.
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month

Capital One Venture X benefits guide<\/a> Alternatives:<\/strong> If you want the flexibility to redeem rewards at a decent value for both travel and cash back without worrying about a large annual fee, consider the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//ink-business-preferred-credit-card///">Ink Business Preferred\u00ae Credit Card<\/a>. While the card\u2019s points are worth 25 percent more when you redeem for Chase Travel\u2120, you can still get a solid 1-cent-per-point in redemption value if you redeem them for cash back. <\/div>","pros_and_cons_header":"What you should know","pros":["The card boasts valuable, practical travel perks, including annual travel statement credits, anniversary miles and airport lounge access, making it easy to offset the annual fee.","It offers ultra-flexible travel redemption, allowing you to redeem miles for travel via Capital One, transfer to participating airline partners and more."],"cons":["It\u2019s not a great fit if you want the option to earn cash back. You can redeem miles for cash back, but it\u2019ll cut your miles\u2019 value in half.","You won\u2019t get any airline- or hotel-specific perks like elite status, so a co-branded travel card may be a better fit if you often book with one airline or hotel."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"This card includes practical, valuable travel perks at a reasonable cost."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"}]})" >

Best for travel perks and credits

Add to compare

Capital One Venture X Business

Bankrate score

4.9

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.9

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 740 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

150,000 miles once you spend $30,000 in the first 3 months from account opening

150,000 miles

$2,550 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

2 miles on every purchase. 5 miles on flights booked through Capital One Travel. 10 miles on hotels and rental cars booked through Capital One Travel.

2X miles - 10X miles

Annual fee

$395

Regular APR

N/A

Why you’ll like this card: This card includes practical, valuable travel perks at a reasonable cost.

- 2X miles 2 miles on every purchase
- 5X miles 5 miles on flights booked through Capital One Travel
- 10X miles 10 miles on hotels and rental cars booked through Capital One Travel
What we love: This card’s terrific travel perks, streamlined rewards rate and flexible redemption options make it a perfect fit for small-business owners who want to get a taste of luxury without drowning in annual fees. In fact, the card perks may offer enough value to offset the annual fee on their own, so it could make sense even if you only travel occasionally.

Learn more: Capital One Venture X benefits guide

Alternatives: If you want the flexibility to redeem rewards at a decent value for both travel and cash back without worrying about a large annual fee, consider the Ink Business Preferred® Credit Card. While the card’s points are worth 25 percent more when you redeem for Chase Travel℠, you can still get a solid 1-cent-per-point in redemption value if you redeem them for cash back.
Pros

The card boasts valuable, practical travel perks, including annual travel statement credits, anniversary miles and airport lounge access, making it easy to offset the annual fee.

It offers ultra-flexible travel redemption, allowing you to redeem miles for travel via Capital One, transfer to participating airline partners and more.

Cons

It’s not a great fit if you want the option to earn cash back. You can redeem miles for cash back, but it’ll cut your miles’ value in half.

You won’t get any airline- or hotel-specific perks like elite status, so a co-branded travel card may be a better fit if you often book with one airline or hotel.
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
- 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
- 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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Capital One Spark Miles for Business<\/a> may be a better option. In fact, 1 Capital One mile can be worth more than 1 Hilton Honors point based on Bankrate's latest <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//travel//points-and-miles-valuations///">credit card point valuations<\/a>.<\/div>","pros_and_cons_header":"What you should know","pros":["The welcome bonus, boosted rewards rates for business and travel purchases and complimentary Hilton Honors\u2122 Gold Status make this a top hotel rewards card.","It earns boosted points in several categories at once and offers the chance to earn multiple free night rewards from Hilton Honors."],"cons":["The card\u2019s $195 annual fee can be hard to justify if you don\u2019t stay at Hilton hotels and take advantage of as many perks as possible.","Hilton point values aren\u2019t as high as other reward programs\u2019 points, making this a poor choice for general business purchases if you aren\u2019t a Hilton loyalist."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"It offers one of the highest rewards rates you can get on Hilton stays."},"program":{"id":4,"name":"Hilton Honors","active_rate":{"id":5,"label":"2023","active":1,"unit_value":"0.00600"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Free Credit Score","image":"c921b548023dc6f855952e83fcfca848.png"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Mobile Pay Ready","image":"c9a039a1830fa29723ae3591721396ec.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Travel Assistance","image":"26421ca115c6cf8f5b77f401ccc2b7e3.png"},{"name":"Unsecured credit card","image":"1c40e1f0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Zero Fraud Liability","image":"7f303633e8c906a4a36c040425d50a31.png"}]})" >

Best for Hilton benefit

Add to compare

The Hilton Honors American Express Business Card

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Bankrate score

4.1

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Bankrate review

Recommended credit score: 670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply now

on American Express's secure site

See Rates & Fees , Terms Apply

Intro offer

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Earn 130,000 Bonus Points

$780 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year. 3X on all other eligible purchases. Terms & Limitations Apply.

3X - 12X

Annual fee

$195

Regular APR

20.99% - 29.99% Variable

Why you’ll like this card: It offers one of the highest rewards rates you can get on Hilton stays.

- 12X Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- 5X Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
- 3X 3X on all other eligible purchases. Terms & Limitations Apply.

Best business credit cards of July 2024

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