5 Best Small Business Credit Cards

5 Best Small Business Credit Cards

The best small business credit cards offer a variety of benefits tailored to the needs of your business. But, while there are various types of cards, keep in mind there’s no single best option for all small business.

So, to pick the right one for your small business, it’s important to understand how the best small business credit cards can help your business and what features and qualities to look for.

Small business credit cards can help business owners in five ways:

  • Provide ongoing capital: Small business credit cards offer a revolving credit line, and you can draw on that line of credit over and over again as you pay it off. They’re also typically easier to get than a general business line of credit.
  • Allow you to float payments: A credit card statement lasts roughly 30 days and small business credit cards typically give more than 20 days after that to make your payment without charging interest. This means you could make a needed purchase and have up to 50 or more days to pay for it.
  • Help you build business credit: If you want to expand your small business down the road, you’ll likely need to take on more capital. That would be hard, however, if your business doesn’t have a credit history. Small business credit cards can help you build that history.
  • Offer rewards and other perks: If your business spends a significant amount of money, you could be leaving cash on the table if you’re not using a rewards credit card. Also, some small business credit cards offer other perks, such as expense management tools.
  • Provide promotional financing: Some business credit cards offer a 0% introductory APR promotion to new cardholders, which can allow you to make a large purchase and pay it off interest-free over the course of a year or more.

As you compare the best small business credit cards, consider three things:

  • Your personal credit score: All small business credit card issuers will run a credit inquiry on your personal credit report before approving your application. Most of the best cards out there are looking for good to excellent credit. But there are some available for bad and fair credit.
  • Your business’ spending: Since many of the best small business credit cards offer business-related rewards, it’s important to pick the rewards program that fits your expense categories the best.
  • Your preferences: Small business credit cards come in all shapes and sizes. You’ll find ones with and without annual fees, some with cash-back rewards and others with travel rewards. Some offer 0% APR promotions and others don’t. Before you apply for a card, it’s important for you to understand the needs of your business to know exactly what to look for in the best small business credit card.

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 April 25, 2019 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.

5 Best Small Business Credit Cards

  • 5. U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard®
  • 4. Gold Delta SkyMiles Business Credit Card
  • 3. SimplyCash® Plus Business Credit Card from American Express
  • 2. Capital One® Spark® Cash for Business
  • 1. Ink Business Cash℠ Credit Card

Best Cash-Back Gas Credit Card for Small Business Owners

U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard®

Best Cash-Back Gas Credit Card for Small Business Owners: U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard®
Get from Usbank
185 Clicks
Variable APR
13.49% - 24.49%
Cash Advance APR
25.49%
Rewards Rate
Earn 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back.
Annual Fee
$0
Intro APR
0% introductory APR on purchases for the first nine billing cycles
Bonus Offers
Earn $200 Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.
82 % Editor Score
84 % User Score

Why People Love it

  • Annual bonuses on top of regular rewards
  • No cap on rewards
  • Decent sign-up bonus

  • Requires excellent credit, so many small business owners find it tough to qualify
  • The card's base rewards rate of 1% is mediocre
  • Depending on your creditworthiness, you may be stuck with a high APR
Expert Ratings

Application Process:  You can apply online, at a participating U.S. Bank branch, or over the phone.

Rewards: Earn 3% cash-back rewards on qualifying purchases for gasoline, business supplies, and cellular purchases. Other purchases give you 1% cash back. You can redeem rewards as a MasterCard gift card, direct deposit in an active U.S. Bank account, or as a statement credit.

Bonus Offers: Earn $200 cash back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.

Annual Fee: None.

Details:U.S. Bank Business Edge™ Cash Rewards World EliteTM Mastercard® »

Best Business Airline Credit Card

Gold Delta SkyMiles Business Credit Card

Best Business Airline Credit Card: Gold Delta SkyMiles Business Credit Card
Get from
460 Clicks
Variable APR
16.74%, 18.74% or 20.74%
Cash Advance APR
26.74%
Rewards Rate
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Annual Fee
$0 introductory annual fee for the first year, then $95
Intro APR
n/a
Bonus Offers
Earn 30,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months, and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
85 % Editor Score
82 % User Score

Why People Love it

  • Zone 1 priority boarding and free checked bag benefits
  • Extra perks like priority boarding, free checked bags, and in-flight discounts
  • Get access to expense management tools that help you track and organize your business expenses

  • 30,000 bonus miles after spending $1,000 in the first 3 months
  • $50 statement credit on your first Delta purchase in the first 3 months
  • Non-Delta purchases won't net you much in terms of rewards
  • The sign-up bonus is decent but wait for a limited-time offer
  • Charges an annual fee after the first year
Expert Ratings

Application Process: Apply online, and get a decision in as little as 30 seconds.

Rewards: Earn 2 miles per dollar spent when you use your card for purchases made directly with Delta. Earn 1 mile per dollar spent on all other purchases.

Bonus Offers: Earn 30,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months, and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.

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

Details:Gold Delta SkyMiles Business Credit Card »

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
Get from G.gretu
254 Clicks
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

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 Flat-Rate Rewards

Capital One® Spark® Cash for Business

Best for Flat-Rate Rewards: Capital One® Spark® Cash for Business
Get from Z.zesep
259 Clicks
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
89 % User Score

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
Get from K.krebe
268 Clicks
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

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

Ben is a money and travel writer living in Utah. He has spent the past 10 years studying and working in the financial industry.

Ben has written for sites such as NerdWallet, USA Today, Money, Credit.com, Credit Karma, and US News.

Ben loves giving people the tools they need to improve their financial health.

When he's not writing, Ben enjoys planning his next vacation, reading, and eating chips and salsa. You can connect with him at BenLuthi.co.

Editor Jenna Holtz
Researcher Ronnie Langston
Art Director Cherry Barbacena

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