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Updated, June 1, 2020
Credit cards are useful tools for saving money, whether you're running a business or a household. Everyone has expenses, so why not get more out of your expenses by using a credit card with benefits like cash back, travel and hotel accommodations or save with an excellent balance transfer offer. We at Incfile analyzed the business and consumer credit card market to find you the best offers.

Choose a category that best suits your business needs.

 
Travel Rewards
 
Cash Back
 
Low Rate

Choose a category that best suits your personal/consumer needs.

 
Cash Back
 
Travel Rewards
 
Balance Transfer

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 100,000 bonus points*
0% APR Month/Billing Cycle N/A
Annual Fee $95
(This card is not currently available on CardRatings)

Welcome offer

*New cardholders earn a welcome bonus of 100,000 Chase Ultimate Rewards® points after spending $15,000 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.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.

The Business Platinum Card® from American Express Our Ratings4

Welcome Offer 75,000 points*
0% APR Month/Billing Cycle N/A
Annual Fee $595
(This card is not currently available on CardRatings)

Welcome offer

*This card features a welcome offer of 75,000 Membership Rewards® points that you can earn by spending $15,000 on purchases within the first three months.

Key Benefits

You will earn 5 points on flights and prepaid hotels through amextravel.com; an extra half-point (1.5 Membership Rewards® points total) 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 how much travel you do in order to overcome the substantial annual fee of $595

American Express® Business Gold Card Our Ratings5

Welcome Offer 35,000 Membership Rewards® points*
0% APR Month/Billing Cycle N/A
Annual Fee $295
(This card is not currently available on CardRatings)

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. American Express is a CardRatings advertiser

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. 

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

Welcome Offer 30,000 points*
0% APR Month/Billing Cycle 0% intro APR for 9 billing cycles on purchases
(then, See Terms)
Annual Fee $0.00
(This card is not currently available on CardRatings)

Welcome offer

*Earn 30,000 bonus points after making $3,000 in purchases within the first 90 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; 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, 14.74% - 20.74% Variable)
Annual Fee $0
(This card is not currently available on CardRatings)

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.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.

American Express Blue Business Cash™ Card Our Ratings5

Welcome Offer n/a
0% APR Month/Billing Cycle 0% intro APR for 12 months from date of account opening on purchases (then, 13.24% - 19.24% Variable)
Annual Fee No annual fee
(This card is not currently available on CardRatings)

Welcome offer

Receive a 12-month intro period with 0% APR on purchases (then, 13.24% - 19.24% Variable). This is a great card to help get you through your startup costs.

Key Benefits

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

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

Welcome Offer $300 statement credit toward travel*
0% APR Month/Billing Cycle 0% intro APR for 9 billing cycles on purchases
(then, See Terms)
Annual Fee $0.00
(This card is not currently available on CardRatings)

Welcome offer

*You can get a $300 statement credit toward travel purchases 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.

Rewards Credit Cards for Low Rate

Ink Business Cash℠ Credit Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR on 12 months from date of account opening on purchases
Regular APR 14.74% - 20.74% Variable
Annual Fee $0
(This card is not currently available on CardRatings)

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.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.

American Express Blue Business Cash™ Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 12 months from date of account opening on purchases
Regular APR 13.24% - 19.24% Variable
Annual Fee No annual fee
(This card is not currently available on CardRatings)

Welcome offer

Receive a 12-month intro period with 0% APR on purchases. 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.

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.

Ink Business Unlimited℠ Credit Card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 12 months on purchases
Regular APR 14.74% - 20.74% Variable
Annual Fee $0
(This card is not currently available on CardRatings)

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, 14.74% - 20.74% Variable).

Key Benefits

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

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.

U.S. Bank Business Platinum Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 20 billing cycles on purchases and
20 billing cycles on balance transfers*
Regular APR 9.99%-17.99%* Variable
Annual Fee $0*
(This card is not currently available on CardRatings)

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, 9.99%-17.99%* 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 See Terms
Annual Fee $0.00
(This card is not currently available on CardRatings)

Welcome offer

Earn 30,000 bonus points after making $3,000 in purchases within the first 90 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; 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 credit card Our Ratings5

0% APR Month/Billing Cycle 0% intro APR for 7 billing cycles on purchases
Regular APR See Terms
Annual Fee $0.00
(This card is not currently available on CardRatings)

Welcome offer

Earn a $300 statement credit toward travel purchases 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.

Consumer Credit Cards for Cash-Back Rewards

Chase Freedom Unlimited® 5

Welcome Offer $150 cash back bonus*
0% APR Month/Billing Cycle 0% intro APR on purchases
for 15 months (then, 14.99 - 23.74% Variable)
Annual Fee $0

Welcome offer

*New cardholders earn a $150 cash-back bonus after spending $500 in the first 3 months.

Key Benefits

Earn 1.5% cash back on every purchase

Citi® Double Cash Card - 18 month BT offer 5

Welcome Offer No traditional offer
Balance Transfer Offer 0% intro APR on balance transfers
for 18 months (then, 13.99% – 23.99% (Variable))
Annual Fee $0

Welcome offer

*No traditional offer; intro BT offer for 18 months. (Citi is a CardRatings advertiser)

Key Benefits

Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.

Wells Fargo Cash Wise Visa® card 5

Welcome Offer $150 cash back*
0% APR Month/Billing Cycle 0% intro APR on qualifying purchases and balance transfers
for 15 months (then, 13.99%-25.99% Variable)
Annual Fee $0
(This card is not currently available on CardRatings)

Welcome offer

*New cardholders earn a $150 cash rewards bonus after spending $500 in the first 3 months.

Key Benefits

Earn 1.5% cash back on all your purchases and 1.8% cash back on qualifying digital purchases for the first 12 months of card membership.

Consumer Credit Cards for Travel Rewards

Chase Sapphire Preferred® Card 5

Welcome Offer 60,000 bonus points*
0% APR Month/Billing Cycle N/A
Annual Fee $95
(This card is not currently available on CardRatings)

Welcome offer

*New cardholders earn a welcome bonus of 60,000 Chase Ultimate Rewards® points – worth up to $750 in travel – after spending $4,000 in the first three months.

Key Benefits

On an ongoing basis, you can earn 2 points per $1 spent on dining and travel as well as 1 point per $1 spent on everything else.

The information related this credit card has been collected by CardRatings and has not been reviewed or provided by the issuer of the card.

Chase Sapphire Reserve® 5

Welcome Offer 50,000 bonus points*
0% APR Month/Billing Cycle N/A
Annual Fee $550

Welcome offer

*New cardholders earn a welcome bonus of 50,000 Chase Ultimate Rewards® points – worth up to $750 in travel – after spending $4,000 in the first three months.

Key Benefits

On an ongoing basis, you can earn 3 points per $1 spent on dining and on travel (after earning your $300 travel credit) as well as 1 point per $1 spent on everything else. Receive a $300 travel credit each year to cover travel incidentals and take advantage of complimentary airport lounge access.

Consumer Credit Cards for Balance Transfers

Citi® Double Cash Card - 18 month BT offer 5

Welcome Offer No traditional offer
Balance Transfer Offer 0% intro APR on balance transfers
for 18 months (then, 13.99% – 23.99% (Variable))
Annual Fee $0

Welcome offer

*No traditional offer; intro BT offer for 18 months. (Citi is a CardRatings advertiser)

Key Benefits

Earn 1% cash back when you buy and 1% cash back when you pay your bill for effectively 2% cash back on every purchase.

Wells Fargo Cash Wise Visa® card 5

Welcome Offer $150 cash back*
0% APR Month/Billing Cycle 0% intro APR on qualifying purchases and balance transfers
for 15 months (then, 13.99%-25.99% Variable)
Annual Fee $0
(This card is not currently available on CardRatings)

Welcome offer

*New cardholders earn a $150 cash rewards bonus after spending $500 in the first 3 months.

Key Benefits

Earn 1.5% cash back on all your purchases and 1.8% cash back on qualifying digital purchases for the first 12 months of card membership.


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