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Advertiser Disclosure
Updated, November 8, 2019
Business credit cards are useful tools for saving money. Every business has expenses, so why not get more out of your business expenses by using a credit card with benefits like cash back, travel and hotel accommodations, and a viable cash flow management vehicle. We at Incfile analyzed the business credit card market to find you the best offers.

Choose a category that best suits your business need.

 
Travel Rewards
 
Cash Back
&nb 
Low Rate

About Our Ratings

All credit cards are rated objectively based on the features the credit card offers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

Rewards Credit Cards for Travel Rewards

Ink Business Preferred℠ Credit Card Our Ratings5

Welcome Offer 80,000 bonus points*
0% APR Month/Billing Cycle N/A
Annual Fee $95

Welcome offer

*New cardholders earn a welcome bonus of 80,000 Chase Ultimate Rewards® points after spending $5,000 in the first three months.

Key Benefits

Thereafter, you can earn 3 points per $1 on up to $150,000 spent on travel; shipping; cable, internet and phone services; and advertising on social media platforms and search engines. After meeting the cap, and on all your other purchases, you earn 1 point per $1 spent.

Capital One® Spark® Miles for Business Our Ratings5

Welcome Offer Up to 200,000 miles*
0% APR Month/Billing Cycle N/A
Annual Fee $0 intro for first year; $95 after that

Welcome offer

*For a limited time, earn up to 200,000 bonus miles. Earn 50,000 miles when you spend $5,000 in the first three months; earn another 150,000 miles when you spend $50,000 in the first six months.

Key Benefits

Earn 2 miles per $1 on all your purchases and 5 miles per $1 on hotel and car rental purchases through Capital One TravelSM.

American Express® Business Gold Card Our Ratings

Welcome Offer 35,000 Membership Rewards® points ; terms apply*
0% APR Month/Billing Cycle N/A
Annual Fee $295

Welcome offer

*When you qualify for this card, you can earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first three months of opening an account.

You will earn 4x rewards for the top two select categories where your business spend the most in each billing cycle out of a list of six categories. You'll earn 1x rewards for all other purchases. This card offers good perks, but be mindful that you will have to pay a $295 annual fee. 

The Business Platinum® Card from American Express Our Ratings4

Welcome Offer up to 100,000 points; terms apply*
0% APR Month/Billing Cycle N/A
Annual Fee $595

Welcome offer

*This card features a welcome offer of up to 100,000 Membership Rewards® points; you can earn 50,000 points once you've spent $10,000 in purchases on the card and an additional 50,000 points if you spend $15,000 more on your card all within the first three months. Terms apply

Key Benefits

You will earn 5 points on flights and prepaid hotels through amextravel.com; 1.5 Membership Rewards® points per $1 spent on each purchase of $5,000 or more – up to 1 million additional points per year; and you'll earn 1 point for every $1 you spend on everything else. You can certainly receive a good amount of luxury travel perks, but you will want to consider ow much travel you do in order to overcome the substantial annual fee of $595. Terms apply

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Our Ratings5

Welcome Offer 25,000 points*
0% APR Month/Billing Cycle 0% intro APR for 9 billing cycles on purchases
(then, 12.99% - 22.99% Variable APR on purchases)
Annual Fee $0.00

Welcome offer

*Earn 25,000 bonus points after making $1,000 in purchases with in the first 60 days of account opening.

Key Benefits

Earn 3 points per every $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®; earn 1.5 points for every $1 spent on all other purchases everywhere, every time, no matter how much your spend. Points don't expire.

Rewards Credit Cards for Cash Back

Ink Business Cash℠ Credit Card Our Ratings5

Welcome Offer $500 cash bonus*
0% APR Month/Billing Cycle 0% intro APR for 12 months on purchases
(then, 14.99% - 20.99% Variable)
Annual Fee $0

Welcome offer

*New cardholders earn a $500 cash-back bonus after you spend $3,000 on purchases within the first three months of account opening.

Key Benefits

Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.

Capital One® Spark® Cash for Business Our Ratings5

Welcome Offer Up to a $2,000 cash bonus*
0% APR Month/Billing Cycle N/A
Annual Fee $0 intro for first year; $95 after that

Welcome offer

*For a limited time, earn up to $2,000 bonus cash back. Earn $500 when you spend $5,000 in the first three months and another $1,500 when you spend $50,000 in the first xis months.

Key Benefits

This is a great fit for just about any business owner. The card is designed to give you 2% cash back on all purchases, which means you are not limited to specific spending categories. Experience savings with every purchase, so why not get more out of your expenses.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card Our Ratings5

Welcome Offer $300 statement credit*
0% APR Month/Billing Cycle 0% intro APR for 9 billing cycles on purchases
(then, 13.99% - 23.99% Variable APR on purchases)
Annual Fee $0.00

Welcome offer

*You can get a $300 statement credit after making at least $3,000 in purchases within 90 days of opening your account.

Key Benefits

New! Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases. You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

American Express® Blue Business Cash Card Our Ratings5

Welcome Offer n/a
0% APR Month/Billing Cycle 0% intro APR for 12 months on purchases & balance
transfers (then, 14.74% - 20.74% Variable); terms apply
Annual Fee No annual fee

Welcome offer

Receive a 12-month intro period with 0% APR on purchases and balance transfers (then, 14.74% - 20.74% Variable). This is a great card to help get you through your startup costs. Terms apply.

Key Benefits

You'll also receive 2% cash back on all your eligible purchases up to $50,000 spent per calendar year, then 1%. Terms apply

Rewards Credit Cards for Low Rate

American Express® Blue Business Cash Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 12 months on purchases
& balance transfers; terms apply
Regular APR 14.74% - 20.74% Variable
Annual Fee No annual fee

Welcome offer

Receive a 12-month intro period with 0% APR on purchases and balance transfers. If you need to make any big purchases to pay off gradually, this is a great card to help get you through your startup costs. Terms apply

Key Benefits

This card is one of the top low-interest business credit cards that also provides good cash back benefits. Of all the top low-rate cards, this one is a great choice if you want sustained rewards. Terms apply

Ink Business Cash℠ Credit Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR on 12 months on purchases
Regular APR 14.99% - 20.99% Variable
Annual Fee $0

Welcome offer

New cardholders earn a $500 cash-back bonus after you spend $3,000 on purchases within the first three months of account opening.

Key Benefits

Earn 5% back on the first $25,000 in combined spending at office supply stores and on internet, cable, cellular and landline phone services each account anniversary year. Earn 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account year. Earn 1% back on everything else.

Ink Business Unlimited℠ Credit Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 12 months on purchases
Regular APR 14.99% - 20.99% Variable
Annual Fee $0

Welcome offer

New cardholders will earn $500 cash back after you spend $3,000 in the first three months of card membership. Additionally, you can take advantage of an introductory 12 months no interest on purchases (then, 14.99% - 20.99% Variable).

Key Benefits

You'll earn an unlimited 1.5% cash back on every purchase.

U.S. Bank Business Platinum Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 12 billing cycles on purchases and
12 billing cycles on balance transfers*
Regular APR 11.99%-19.99%* Variable
Annual Fee $0*

Welcome offer

This business card does not offer a welcome bonus or an anniversary bonus, but it does offer an intro 0% APR on purchases and balance transfers (then, 11.99%-19.99%* Variable).

Key Benefits

A 0% intro APR business credit card may offer advantages over a small business loan. If you can pay off your balance within the intro period, you won't pay interest. The other advantage over a business loan is you will not have to borrow more money than you need. This card doesn't have an annual fee so it can serve as a great low-rate financing solution to help you grow your business.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 9 billing cycles on purchases
Regular APR 12.99% - 22.99% Variable APR on purchases
Annual Fee $0.00

Welcome offer

Earn 25,000 bonus points after making $1,000 in purchases with in the first 60 days of account opening.

Key Benefits

Earn 3 points per every $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®; earn 1.5 points for every $1 spent on all other purchases everywhere, every time, no matter how much your spend. Points don't expire.

Bank of America® Platinum Plus® Mastercard® Business card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 7 billing cycles on purchases
Regular APR 11.99% - 22.99% Variable APR on purchases
Annual Fee $0.00

Welcome offer

Earn a $300 statement credit after you spend at least $3,000 on purchases within the first 90 days.

Key Benefits

Take advantage of an introductory no interest on purchases for the first 7 billing cycles. That makes this card a great option if you’re looking to cover some startup costs or make a big purchase to take your business to the next level.


For rates and fees of American Express cards mentioned in this article, please see the following links: American Express® Blue Business Cash Card (See Rates and Fees); American Express® Business Gold Card (See Rates and Fees); The Business Platinum® Card from American Express (See Rates and Fees)