Compare business credit cards without the sales pitch
Most “best business credit card” roundups rank by which issuer pays the highest affiliate bounty, then work backward to a reason. We don't have a single issuer partnership yet, so there's nothing to work backward from here — just the fee, rewards, APR, and credit-score facts pulled straight from each issuer's terms, sorted by what actually differs.
25 business credit cards compared — fees, rewards, APR, and who each one fits
All data sourced from each issuer's public terms — we don't have partnerships yet.
The trap in bonus-category cards: rates like 5% or 3% almost always cap at a combined annual spend threshold (commonly $25,000-$50,000/yr across this list), then quietly drop to 1% for the rest of the year. Check the cap against your actual annual spend in that category before picking a card for its headline rate.
No annual fee doesn't mean no fees. Several $0-annual-fee cards on this list — the Chase Ink cards, Bank of America's Business Advantage cards, Wells Fargo Signify — still charge a 3% foreign transaction fee. If your business pays any vendors or contractors overseas, that fee can cost more per year than a card with a modest annual fee and no foreign transaction fee at all.
Best flat-rate cash back
Blue Business Cash™ — American Express
2% on up to $50k/yr with no annual fee — hard to beat for straightforward spend.
Best overall travel card
Ink Business Preferred® — Chase
3x on real business costs (shipping, ads, travel) plus point transfers, for a modest $95 fee.
Best no-annual-fee pick
Signify Business Cash℠ Card — Wells Fargo
A flat 2% back with zero fee and no categories to manage.
Best for 0% financing
Business Platinum Card — U.S. Bank
Up to 21 billing cycles at 0% — the longest interest-free runway here.
Best for building credit
Spark Classic for Business — Capital One
One of the few widely available options for fair-credit applicants, with a path to upgrade later.
Best for funded startups
Brex Card for Startups — Brex
No personal guarantee, limits scale with cash balance instead of founder credit.
Annual fee across our picks — one per category
25 cards
Ink Business Unlimited®
1.5% cash back on every purchase, no categories to track
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–24%
- Intro APR
- 0% on purchases for 12 months
- •No annual fee
- •Flat 1.5% on all spend
- •Employee cards at no extra cost
Ink Business Cash®
5% cash back on office supply stores & internet/cable/phone (first $25k/yr), 2% at gas stations & restaurants (first $25k/yr), 1% elsewhere
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–24%
- Intro APR
- 0% on purchases for 12 months
- •No annual fee
- •Strong bonus categories for office/utility spend
- •Employee cards at no extra cost
Ink Business Preferred®
3x points on travel, shipping, internet/cable/phone, and ads (up to $150k/yr combined)
- Annual fee
- $95
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–24%
- •Points transfer to airline/hotel partners
- •Primary cell phone protection
- •Trip cancellation insurance
Southwest® Rapid Rewards® Premier Business
3x points on Southwest purchases, 2x on Rapid Rewards partner spend, 1x elsewhere
- Annual fee
- $99
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–26%
- •Points count toward the Southwest Companion Pass
- •Annual anniversary points bonus
- •No foreign transaction fee
CitiBusiness® / AAdvantage® Platinum Select®
2x miles on American Airlines, gas, and telecom purchases, 1x elsewhere
- Annual fee
- $99
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–27%
- •First checked bag free on American Airlines
- •Preferred boarding on American flights
- •No foreign transaction fee
Blue Business Cash™
2% cash back on all eligible purchases up to $50,000/yr, then 1%
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 12 months
- •No annual fee
- •Expanded buying power on some purchases
- •Auto-credited cash back, no redemption steps
Blue Business Plus
2x Membership Rewards points on the first $50,000/yr, then 1x
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 12 months
- •No annual fee
- •Points transfer to airline/hotel partners
- •0% intro APR on purchases
Business Gold Card
4x points on the 2 categories your business spends most in each month (up to $150k/yr combined)
- Annual fee
- $375
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- •Automatically adjusting 4x bonus categories
- •Statement credits toward flexible business services
- •No foreign transaction fee
Business Platinum Card®
5x points on flights and prepaid hotels booked through Amex Travel
- Annual fee
- $695
- Credit needed
- Excellent
- Regular APR
- Pay in full (charge card)
- •Airport lounge access
- •Annual travel and dining credits
- •Hilton & Marriott Gold status
Marriott Bonvoy Business®
6x points at Marriott hotels, 4x on gas/shipping/restaurants/internet-cable-phone (first $6k/yr each), 2x elsewhere
- Annual fee
- $125
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–28%
- •Automatic Gold Elite status
- •Free night award every account anniversary
- •No foreign transaction fee
Delta SkyMiles® Business
2x miles on Delta purchases and select categories, 1x elsewhere
- Annual fee
- $99 (Gold tier)
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–28%
- •First checked bag free on Delta
- •Priority boarding
- •Miles count toward Medallion Qualification Dollars in some tiers
Spark Cash Plus
Unlimited 2% cash back on every purchase
- Annual fee
- $150 (waived first year)
- Credit needed
- Excellent
- Regular APR
- Pay in full (charge card)
- •No preset spending limit
- •5% back on hotels/rentals via Capital One Travel
- •Free employee cards
Spark Cash Select
Unlimited 1.5% cash back on every purchase
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 12 months
- •No annual fee
- •No foreign transaction fee
- •Free employee cards
Spark Miles for Business
2x miles on every purchase, no bonus categories to track
- Annual fee
- $95 (waived first year)
- Credit needed
- Excellent
- Regular APR
- Variable, ~19–27%
- •Miles transfer to 15+ travel partners
- •Global Entry/TSA PreCheck credit
- •No foreign transaction fees
Spark Classic for Business
Unlimited 1% cash back on every purchase
- Annual fee
- $0
- Credit needed
- Fair
- Regular APR
- Variable, ~29%
- •No annual fee
- •Reports to business credit bureaus
- •Path to product-change into stronger Spark cards
Business Advantage Customized Cash Rewards
3% cash back in a category you choose (e.g. office supplies, gas), 1% elsewhere
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- Intro APR
- 0% on purchases for 9 billing cycles
- •Choose your 3% category monthly
- •No annual fee
- •Preferred Rewards for Business bonus for existing BoA customers
Business Advantage Unlimited Cash Rewards
Unlimited 1.5% cash back on every purchase
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- •No annual fee
- •Preferred Rewards for Business rate boost
- •Simple flat rate
Business Triple Cash Rewards Card
3% cash back on gas stations, EV charging, office supply stores, and cell phone/internet/cable providers
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–27%
- Intro APR
- 0% on purchases for 15 billing cycles
- •No annual fee
- •Free employee cards
- •Cell phone protection when you pay your bill with the card
Business Altitude® Connect
4x points on travel and gas stations & EV charging, 2x on dining, 1x elsewhere
- Annual fee
- $95 (waived first year)
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–27%
- •Annual streaming/statement credit
- •TSA PreCheck/Global Entry credit
- •No foreign transaction fee
Business Platinum Card
No rewards program — built around one of the longest 0% intro APR windows available
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–27%
- Intro APR
- 0% on purchases and balance transfers for up to 21 billing cycles
- •Long 0% intro APR window
- •No annual fee
- •No foreign transaction fee
Signify Business Cash℠ Card
Unlimited 2% cash back on every purchase
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~18–26%
- •No annual fee
- •Cell phone protection
- •Streamlined online application
Discover it® Business Card
Unlimited 1.5% cash back on every purchase
- Annual fee
- $0
- Credit needed
- Good
- Regular APR
- Variable, ~18–26%
- •First-year cash back match
- •No annual fee
- •Free employee cards and spend controls
Brex Card for Startups
Tiered points (up to 7x) on top spend categories like rideshare and software
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR — balance paid in full daily/monthly (charge card)
- •No personal guarantee or personal credit check
- •Limit based on cash balance, not personal credit
- •Built-in spend management software
Ramp Corporate Card
1.5% cash back on every purchase, credited automatically
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR — balance paid in full (charge card)
- •No personal guarantee
- •No annual or card fees
- •Built-in expense management and bill pay
Bill Spend & Expense (Divvy) Corporate Card
Up to 7x points on restaurants, 5x on hotels/rental cars, 1x on everything else (tiers vary by payment timing)
- Annual fee
- $0
- Credit needed
- Good/Excellent
- Regular APR
- No APR when paid on the standard billing cycle (charge card)
- •No personal guarantee for qualifying businesses
- •Real-time budget controls per team or project
- •Free virtual and physical employee cards
Frequently asked questions
What credit score do I need for a business credit card?
Most cards on this page want good to excellent personal credit (roughly 670+), since issuers still check the owner's personal credit for most small-business cards. A few, like the Capital One Spark Classic and Discover it Business, are more accessible to fair or good credit. Card-issuing fintechs like Brex and Ramp underwrite against business cash balance or revenue instead of a personal credit score.
Will a business credit card affect my personal credit?
It depends on the issuer and the card. Most traditional bank business cards require a personal guarantee, so missed payments can show up on your personal credit, and some issuers report account activity to personal credit bureaus even when payments are on time. Charge-card fintechs like Brex and Ramp are structured with no personal guarantee and typically don't touch personal credit at all — check each issuer's terms, since this varies card to card.
What's the difference between a business credit card and a charge card?
A credit card lets you carry a balance month to month at an APR. A charge card (Amex Business Platinum, Capital One Spark Cash Plus, Brex, Ramp) must be paid in full each cycle — there's no revolving balance or published APR, which usually comes with a higher or more flexible spending limit in exchange.
Do I need an LLC or corporation to apply?
No — sole proprietors and freelancers can apply for most business credit cards using their own Social Security number and a description of their business activity. You don't need to be incorporated first.
How is commission handled on this page?
We don't have partnerships with any of these issuers yet, so nothing on this page is monetized — the links go straight to each issuer's site with no tracking or referral code. When we do sign issuer partnerships, ranking and content will stay separate from that commission data, the same rule we apply to our software recommendations.
We don't have partnerships with any of these issuers yet, so these links go straight to each issuer's official page — no affiliate tracking, no rebate. Rates, fees, and offers are set by the issuers and change over time; confirm current terms on their site before applying. When we do sign issuer partnerships, they'll follow the same blind-ranking rule as our software recommendations: what we're paid never affects which card is shown first. Read our methodology.