5 Best Business Credit Cards

5 Best Business Credit Cards

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After 19 hours of research evaluating 61 products, we picked Ink Business Cash℠ Credit Card as our top choice.

Big businesses and new businesses are not so different. In both cases, the importance of keeping business and personal expenses separate is key, and managing expenses and employees shouldn't add stress to your life. 

Choosing one of the best business credit cards may end up being a more important part of your business than you think.

Business credit cards often come with lower interest rates than the standard personal credit card, or other convenient credit sources such as unsecured loans from online business lenders.

So finding the best business credit card for your particular business becomes important.

If you're spending a considerable amount of money on your business each month, it's important to consider the role that building credit can play in helping you grow.

Just like with your personal credit cards, you can use the best business credit cards to build your business credit.

Improving your business credit score means lower interest rates and access to higher credit limits.

Here's the deal:

It's important to understand the difference between personal and business credit cards.

Right off the bat, business credit cards tend to have higher credit limits than personal consumer credit cards. Also, businesses often need to get credit cards for their employees, and the best business credit cards allow you to add authorized users with spending limits.

Additionally, the rewards being offered by the best small business credit card choices to are tailored specifically to their needs, with options that tend to include things like discounts on shipping or travel perks.

But here's the kicker:

Business credit cards are not afforded the same consumer protection laws that personal credit cards receive under the Credit CARD Act of 2009. This could be problematic, as a card issuing bank can change the APR or grace period without any notice if they please.

In the spirit of providing a good customer experience to their business customers, some major credit card issuers have made the choice to voluntarily extend traditional consumer protections to business credit cardholders. 

Now:

You're sufficiently prepared to start shopping for the best business credit card for your business. The following options consider a variety of uses and perks—there's sure to be at least one that's a perfect fit for your business!

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated July 10, 2018 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Why trust us: Faveable has spent thousands of hours researching, interviewing experts, and testing products to come up with carefully selected lists trusted by millions of consumers since 2013.

5 Best Business Credit Cards

  • 5. Starwood Preferred Guest® Business Credit Card from American Express
  • 4. SimplyCash® Plus Business Credit Card from American Express
  • 3. The Business Platinum® Card from American Express OPEN
  • 2. Capital One® Spark® Cash for Business
  • 1. Ink Business Cash℠ Credit Card

Best Hotel Card for Business Owners

Starwood Preferred Guest® Business Credit Card from American Express

Best Hotel Card for Business Owners: Starwood Preferred Guest® Business Credit Card from American Express
Variable APR
16.99% - 20.99%
Cash Advance APR
26.99%
Rewards Rate
From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
Annual Fee
$0 for the first year, then $95
Intro APR
n/a
Bonus Offers
Earn a $100 statement credit after you make $1,000 in purchases within your first 3 months. Plus, earn an additional $100 statement credit after your first purchase at a participating SPG or Marriott hotel within your first 6 months.
70 % Editor Score
88 % User Score
216 Clicks

Why People Love it

  • Starpoints tend to have a higher value (~2.3 cents/point) than most other rewards points
  • Choose how you want to redeem your rewards–redeem for free hotel stays and free flights
  • Access free wifi wherever there's a Boingo hotspot

  • Pay no foreign transaction fees
  • No annual fee for the first year
  • Earn Marriott Rewards points 
  • The card charges an annual fee after the first year
  • You won't get great redemption value from anything other than free hotel stays
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 6 points for every dollar of eligible purchases on the card at participating SPG® and Marriott Rewards® hotels. Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.

Bonus OffersEarn a $100 statement credit after you make $1,000 in purchases on the card within your first 3 months of Card Membership. Plus, earn an additional $100 statement credit after your first purchase on the ard at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.

Annual Fee: $0 for the first year, then $95 after that.

Details:Starwood Preferred Guest® Business Credit Card from American Express »

Most Flexible Business Credit Card

SimplyCash® Plus Business Credit Card from American Express

Most Flexible Business Credit Card: SimplyCash® Plus Business Credit Card from American Express
Variable APR
13.99% - 20.99%
Cash Advance APR
n/a
Rewards Rate
Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and
Annual Fee
$0
Intro APR
0% on purchases for 15 months.
Bonus Offers
n/a
84 % Editor Score
82 % User Score
228 Clicks

Why People Love it

  • Pick your own bonus category based on your business spending
  • Enjoy a relatively low interest rate and no annual fee
  • Introductory APR promotion

  • Get up to 5% cash back on business-related expenses
  • Spend beyond your credit limit in certain situations
  • Get no interest for more than a year
  • The card's base 1% rewards rate is mediocre
  • Your bonus rewards are capped at $50,000 in annual spending
  • You can only change your 3% bonus category once a year
Expert Ratings

Application Process: Apply online, and you'll get a decision in approximately 60 seconds.

RewardsEarn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases. 

Bonus Offers: None.

Annual Fee: None.

Details:SimplyCash® Plus Business Credit Card from American Express »

Best for Big Businesses

The Business Platinum® Card from American Express OPEN

Best for Big Businesses: The Business Platinum® Card from American Express OPEN
Variable APR
n/a
Cash Advance APR
n/a
Rewards Rate
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Earn 1X points on all other purchases.
Annual Fee
$450
Intro APR
n/a
Bonus Offers
Earn 50,000 Membership Rewards® points after you spend $10,000 & an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Offer ends 8/8/18.
80 % Editor Score
81 % User Score
189 Clicks

Why People Love it

  • Enjoy premium travel perks like global airport lounge access, a 35% airline bonus, and concierge services
  • Easily add an authorized user with spending limits for peace of mind
  • No foreign transaction fees for international purchases

  • Get premium travel perks
  • No foreign transaction fees
  • The card charges an ultra-high annual fee
  • It's a charge card, so you can't carry a balance from month to month
  • The card's base rewards rate is low.
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 5X more points for each dollar of eligible purchases made when you book on the American Express travel website. Earn 1.5X more points for every eligible purchase of $5,000 or more. All other purchases earn 1 point per dollar.

APR: None; it's a charge card, so your balance is due in full each month.

Annual Fee: $595

Details:The Business Platinum® Card from American Express OPEN »

Best for Flat-Rate Rewards

Capital One® Spark® Cash for Business

Best for Flat-Rate Rewards: Capital One® Spark® Cash for Business
Variable APR
18.49%
Cash Advance APR
24.49%
Rewards Rate
2% cash back on all purchases.
Annual Fee
$0 for the first year, then $95
Intro APR
n/a
Bonus Offers
A one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
90 % Editor Score
91 % User Score
226 Clicks

Why People Love it

  • No foreign transaction fees
  • Simple, uncomplicated, and flexible reward structure
  • Cash in on the $500 bonus when you spend $4,500 in 3 months

  • Earn 2% cash back on all purchases
  • Pay no foreign transaction fees
  • Annual fee after the first year
  • Relatively high APR
  • No bonus rewards on business-related expenses
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

RewardsEarn 2% cash back on all purchases.

Bonus Offers: Earn a $500 bonus when you spend $4,500 within the first 3 months.

Annual Fee: $0 for the first year, then $95 after that.

Details:Capital One® Spark® Cash for Business »

Best for Daily Spending with No Annual Fee

Ink Business Cash℠ Credit Card

Best for Daily Spending with No Annual Fee: Ink Business Cash℠ Credit Card
Variable APR
14.74% - 20.74%
Cash Advance APR
26.49%
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 rest
Annual Fee
$0
Intro APR
0% on purchases and balance transfers for 12 months.
Bonus Offers
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
88 % Editor Score
96 % User Score
240 Clicks

Why People Love it

  • No annual fee
  • Add authorized users with spending caps
  • Introductory APR on new purchases and balance transfers

  • Up to 5% cash back on bonus category purchases
  • $500 bonus cash back after spending $3,000 in the first three months after opening a new account
  • Earn unlimited cash back
  • Not a great fit for businesses that don't spend a lot on office-related expenses
  • Bonus rewards are capped
  • Base 1% rewards rate is mediocre
Expert Ratings

Application Process: Apply online and get a response within 60 seconds.

Rewards: Earn 5% cash back on office supplies and cable/telecom services, with a $25,000 annual spending limit. Also, earn 2% cash back on dining and gas (also up to a $25,000 annual spend) and unlimited 1% cash back everywhere else.

Bonus Offers: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

Annual Fee: None.

Details:Ink Business Cash℠ Credit Card »

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Article Staff

Maddy Osman creates engaging content with SEO best practices for marketing thought leaders and agencies that have their hands full with clients and projects. Learn more about her process and experience on her website, www.The-Blogsmith.com and read her latest articles on Twitter: @MaddyOsman.

Editor Jenna Holtz
Researcher Ronnie Langston
Art Director Cherry Barbacena

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5 Best Business Credit Cards

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