Best business credit cards
Showing 1–12 of 15 results
REWARDS RATE:1%-2% cashback
INTRO OFFER: $250
RECOMMENDED CREDIT SCORE:690-850
More details +
PROS:
- You get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-24.24% Variable APR. For rewards, you earn 2% cash back on the first $50,000 in purchases each year, and 1% after that. Terms apply.
CONS:
- The $50,000 cap on 2% cash back makes this card a poor fit for businesses with high expenses. Prefer Amex points to cash back? See The Blue Business® Plus Credit Card from American Expres
ANNUAL FEE: $0
REWARDS RATE: 1.5x-3x Points
INTRO OFFER: 30000 Points
RECOMMENDED CREDIT SCORE: 720-850
PROS:
- This $0-annual-fee card earns 1.5 points for every dollar spent, and 3 points per dollar on travel purchases booked through Bank of America®. It also comes with a plum sign-up bonus for a no-fee card.
CONS:
- Higher reward rates are available on other cards, and if you spend enough, you might come out ahead on those cards even after paying an annual fee.
ANNUAL FEE: $150
REWARDS RATE: 2%-5
INTRO OFFER: $1,000
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
CONS:
- Balance must be paid in full every month
- Has annual fee
ANNUAL FEE: $0
REWARDS RATE: 1.5%-5% Points
INTRO OFFER: $500
RECOMMENDED CREDIT SCORE: 720-850
PROS:
- No annual fee
- High rewards rate
- No reward caps
CONS:
- Requires good/excellent credit
ANNUAL FEE: $0 intro for the first year, then $95
REWARDS RATE: 2x points
INTRO OFFER: 50000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- This card earns unlimited 2 miles per dollar on all purchases. Miles can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece. There's a great sign-up bonus, too.
CONS:
- The card has an annual fee of $0 intro for the first year, then $95. After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.
ANNUAL FEE: 0
REWARDS RATE:1%-5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
More details +
PROS:
- You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a $0 annual fee.
CONS:
- The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesse
ANNUAL FEE: $95
REWARDS RATE: 1x-3x Points
INTRO OFFER: 100000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.
CONS:
- This card's bonus categories aren't a good fit for all business owners. There's an annual fee of $95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.
ANNUAL FEE: 0
REWARDS RATE:1.5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
More details +
REWARDS RATE:1.5% cashback
INTRO OFFER: $750
RECOMMENDED CREDIT SCORE:690-850
PROS:
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
CONS:
- No bonus categories
ANNUAL FEE: $125
REWARDS RATE: 2x-6x Points
INTRO OFFER:10000 Points
RECOMMENDED CREDIT SCORE: 690-850
Free!
PROS:
- You earn 6 points per dollar at hotels participating in the Marriott Bonvoy program; 4 points per dollar at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2 points per dollar on all other eligible purchases. Marriott's broad portfolio of hotel brands gives you maximum flexibility in earning and redeeming rewards.
CONS:
- The $125 annual fee is a bit on the high side. You'll have to use the perks to get proper value out of the card.
ANNUAL FEE: $0
REWARDS RATE: 1.5% Cashback
INTRO OFFER: $0
RECOMMENDED CREDIT SCORE: 300-850
PROS:
- No annual fee or foreign transaction fees.
- Simple, straightforward rewards.
- No personal guarantee or credit check.
- Direct integrations with popular tools and card-level spending controls and alerts.
CONS:
- Balance must be paid in full each month.
- Not available to sole proprietors or unincorporated businesses.
ANNUAL FEE: 0
REWARDS RATE: 1-2x Points
INTRO OFFER: 15000 Points
RECOMMENDED CREDIT SCORE: 690-850
$0.00
PROS:
- You'll get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 16.24%-24.24% Variable APR. For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)
CONS:
- The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See the American Express Blue Business Cash™ Card.
ANNUAL FEE: $695
REWARDS RATE: 1x-5x Points
INTRO OFFER: 120000 Points
RECOMMENDED CREDIT SCORE: 690-850
PROS:
- No, this card is not cheap, but it comes with an extensive portfolio of benefits that make it well worth the investment for entrepreneurs who are always on the road: 5X points on flights and prepaid hotels on amextravel.com, access to more than 1,400 airport lounges across 140 countries, an up to $200 annual credit for incidental airline fees, plus reimbursement for the application fee for TSA Precheck or Global Entry, and automatic elite status with Marriott and Hilton hotels. That’s not even mentioning the sizable bonus offer for new cardholders. Terms Apply.
CONS:
- The $695 annual fee is very steep. Keep in mind, though, that the fee is a deductible business expense.