TABLE OF CONTENTS
- BEST OVERALL SMALL BUSINESS CREDIT CARDS
- BEST SMALL BUSINESS CARDS FOR TRAVEL REWARDS
- BEST SMALL BUSINESS CREDIT CARDS FOR CASH BACK
- BEST SMALL BUSINESS CREDIT CARDS FOR BALANCE TRANSFERS AND INTRO 0% APR
- BEST SMALL BUSINESS CREDIT CARDS FOR AIRLINE REWARDS
- BEST SMALL BUSINESS CREDIT CARDS FOR HOTEL REWARDS
Best Business Credit Cards | Small Business Credit Cards of 2019 from our partners
Trying to juggle your personal expenses and your business expenses on a single credit card is just one of those things no business owner has time for, which is why finding the best credit card for your small business could (and should!) become one of the best business moves you can make.
Beyond the organizational simplicity of separating your personal and business expenses, the best business credit cards offer rebates and bonus rewards for typical business expenses so your everyday purchases effectively put money back toward your bottom line. Even if you are self-employed or a freelancer, there are still plenty of reasons to open a small business credit card. (Don't believe us, check out what this freelancer has to say about why she needs a small business credit card.)
>MORE: Still not sure you'll qualify for a small business card? Check out our Small Business Credit Cards 101 guide to learn more.
If you're not already using a small business credit card to get bonus rewards for your company's routine purchases or save you money on things like rental car insurance or warranty protection, you're leaving money on the table. With the right credit card as your partner, you can enjoy travel perks, smoother cash flow, and access to specialized service professionals.
Whether you're just getting started or you're looking for new ways to boost your spending power, there are an abundance of small business cards to compare. Below are a few business credit cards we think entrepreneurs, freelancers and CEOs alike should consider.
Best overall small business credit cards
Why We Like It: When it comes to value for the annual fee, the Ink Business Preferred℠ Credit Card from Chase rises near the top of our list. With this card you'll have the opportunity to rack up three points per $1 spent in popular categories like travel and select business purchases, with a relatively high spending cap (up to $150,000 annually spent in the highest bonus categories). Once you reach the cap, you'll still earn one point for every $1 spent. What's more, just to get you started on the right foot, Chase is offering 80,000 bonus points to new cardholders who spend $5,000 within the first three months from account opening, which if redeemed through Chase Ultimate Rewards®, is worth $1,000 in travel or $800 when redeemed for cash back.
The Bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
The Annual Fee: $95; add employee cards at no additional cost.
The Rewards: Earn three points per $1 on the first $150,000 spent in combined purchases each account anniversary year in the following categories: travel; shipping purchases; internet, cable and phone services; and advertising purchases with social media sites and search engines. Earn one point per $1 on all other purchases (and once you reach the cap in the bonus categories) with no limits to the amount you can earn. Points are worth 25 percent more when you redeem for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 towards travel. Read our full Ink Business Preferred℠ Credit Card review.
More Details: With the Ink Business Preferred℠ Credit Card, users will also enjoy fraud protection; trip cancellation/trip interruption insurance; zero liability protection; purchase protection; extended warranty protection; auto rental collision damage insurance; no foreign transaction fees; and cell phone protection, which includes coverage of up to $600 per claim for the primary user and all the employees listed on the monthly cell phone bill when you pay your cellular bill with your card.
Why We Like It: Even with fantastic perks, the true beauty of this card lies in the decision-making power of the cardholder, and the flexible payment option can help manage cash flow on purchases of $100 or more.* (American Express is a CardRatings advertiser)
The Welcome Offer: Earn 35,000 bonus points after you spend $5,000 on your new card in the first three months.
The Annual Fee: $295; Terms apply. See Rates and Fees
The Rewards: Get 4x Membership Rewards® points on the two select categories where your business spent the most each month. (4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*) You also get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* Read our full review of American Express® Business Gold Card.
More Details: With the American Express® Business Gold Card, users will also enjoy purchase protection, extended warranty, travel accident insurance, baggage insurance, premium roadside assistance, car rental loss and damage insurance, no foreign transaction fees and more.
Best small business credit cards for travel rewards
Why We Like It: Although this card doesn't let you carry a balance beyond a single statement cycle (it's a charge card), it offers business owners and entrepreneurs a comprehensive suite of benefits that far outweighs its higher-than-typical annual fee. To start, new cardholders can earn up to 75,000 Membership Rewards® points (details below). Those points are sure to get you started on the right foot, but if that's not enough, you'll quickly have the opportunity to earn even more points. Furthermore, the The Business Platinum® Card from American Express offers a number of premium benefits and travel perks, which certainly help to cancel out the cost of the annual fee.
The Bonus: Earn up to 75,000 bonus points. Earn 50,000 Membership Rewards® points after you spend $10,000 and another 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first three months of card membership.
The Annual Fee: $595; add employee cards at no additional cost. Terms apply. See Rates and Fees
The Rewards: Earn five points per $1 spent on flights and prepaid hotels on amextravel.com; 1.5 points per $1 on eligible purchases of $5,000 or more; and one point for each $1 you spend on everything else. Plus, use your Membership Rewards® to Pay with Points for a first class or business class flight with any airline available through American Express Travel and you receive 35 percent of the points back. Or get 35 percent of the points back when you book a flight in any class with your pre-selected qualifying airline. With the 35 percent Airline Bonus benefit, you can get up to 500,000 points back per calendar year. Read our full review of The Business Platinum® Card from American Express.
More Details: Cardholders of The Business Platinum® Card from American Express receive access to 1,100-plus airport lounges in more than 500 airports around the world; a $200 airline fee credit with a pre-selected airline to use for things like checked bag fees and in-flight refreshments; a fee credit every four years to cover your Global Entry or TSA Pre?® application fees; complimentary travel benefits like room upgrades, daily breakfast for two people, late check-out, complimentary WiFi, and a unique amenity such as a food and beverage credit or a one-way private sedan transfer when you book your travel through FINE HOTELS & RESORTS; as well as a number of other elite shopping and travel benefits.
Why We Like It: Just like the Capital One® Spark® Cash for Business credit card, the Capital One® Spark® Miles for Business credit card is a good card to have in your wallet – it just focuses on miles earned instead of cash back earned. This card touts a low annual fee. And you can add employee cards for free and earn all the rewards from their purchases. Plus, it maximizes rewards for cardholders by offering two miles for every $1 spent no matter the type of purchase.
The Bonus: Earn a one-time bonus of 50,000 miles after you spend $4,500 on your new card in the first three months.
The Annual Fee: $0 intro for first year; $95 after that; add employee cards at no additional cost.
The Rewards: Earn an unlimited two miles per $1 on every purchase made with the card. Read our full Capital One® Spark® Miles for Business review.
More Details: Capital One® Spark® Miles for Business cardholders also enjoy purchase security and extended warranty protection, travel and emergency assistance services, auto rental collision damage waiver insurance, no foreign transaction fees, quarterly and year-end summaries, and more.
If you are looking for a card with no annual fee, Capital One also offers the no-annual-fee Capital One® Spark® Miles Select for Business credit card, which offers 1.5 miles per $1 spent and a 20,000-mile bonus once you spend $3,000 on the card within the first three months of card membership .
Best small business credit cards for cash back
Why We Like It: This no-annual-fee card is best viewed as a complement to other cards in the Chase Ink family, the Ink Business Preferred℠ Credit Card or the Ink Business Cash℠ Credit Card. That's because it offers a flat 1.5 percent cash back on all your purchases, which means you can rake in a half-percent (or half-point if you prefer to think in those terms) more per $1 spent on all the purchases that don't fall under a points bonus category with the other Ink cards.
The Bonus: Earn $500 in bonus cash back after you spend $3,000 in the first three months from account opening. Plus, take advantage of an introductory 12 months no interest on purchases (then, 15.49% - 21.49% Variable)
The Annual Fee: $0;
The Rewards: Earn a flat and unlimited 1.5 percent cash back on every purchase. Those rewards accumulate as Chase Ultimate Rewards® points, a common currency among numerous Chase rewards cards. If you have other Chase rewards cards in your wallet, you can combine Chase Ultimate Rewards® points earned on those other cards into a single bucket as needed in order to redeem your points more quickly or, in some cases, for more value. Read our full review of the Ink Business Unlimited℠ Credit Card.
More Details: Cardholders are also covered with fraud protection, travel and emergency assistance services, zero liability protection, purchase protection, extended warranty protection and auto rental collision damage insurance.
Why We Like It: This card offers a strong 5 percent back in popular business categories and also offer cardholders the chance to choose where they'll earn 3 percent back from among a list of categories that include everything from gas stations to shipping. Add in that there's no annual fee to worry about and you have a nice, flexible cash-back rewards small business credit card.
The Bonus: There's no traditional bonus right now, but you can take advantage an introductory no interest on purchases for 15 months (then, 14.49% - 21.49% Variable), which could save you a ton of money if you have some big expenses coming up.
The Annual Fee: No annual fee; add employee cards at no additional cost. Terms apply. See Rates and Fees
The Rewards: Rake in 5 percent back on the first $50,000 spent each calendar year on wireless telephone service purchased from U.S. providers and office supply store purchases. Earn 3 percent back on the first $50,000 spent each year in a category of your choice from a list of eight (airfare purchased directly from airlines; hotels stays purchased directly from hotels; car rentals from select rental companies; purchases at U.S. gas stations; purchases at U.S. restaurants; U.S. purchases for advertising in select media; U.S. purchases for shipping; and U.S. computer hardware, software and cloud computing purchases made from select providers). Earn 1 percent back on all your other purchases and once you hit the spending cap in the 5 and 3 percent categories. Read the full review of the SimplyCash® Plus Business Credit Card from American Express.
More Details: Set individual employee card limits; earn rewards on spending above your credit limit (amount over limit is due in full each billing cycle in addition to your minimum amount due); access financial tools like Spend ManagerSM and the opportunity to assign a trusted Account Manager; rest assured with rental car insurance, purchase protection and a baggage insurance plan among many other business-friendly perks and features.
Why We Like It: All around, the Capital One® Spark® Cash for Business is just a solid business credit card to have on hand. There's no annual fee for the first year, and then it's just $95 a year each year after that; employee cards are free, and the welcome offer is solid. While no one of its features truly stands out, taken together the perks and features make for one really decent small business credit card.
The Bonus: Earn a one-time $500 cash bonus when you spend $4,500 on your new card in the first three months of opening your account.
The Annual Fee: $0 intro for first year; $95 after that; add employee cards at no additional cost.
The Rewards: Earn an unlimited 2 percent cash back on every purchase made with the card. Read our full Capital One® Spark® Cash for Business review.
More Details: Capital One® Spark® Cash for Business cardholders will also enjoy purchase security and extended warranty protection, travel and emergency assistance services, auto rental collision damage waiver insurance, no foreign transaction fees, quarterly and year-end summaries, and more.
If you like the idea of this card but are looking for a card with no annual fee, Capital One also offers the no-annual-fee Capital One® Spark® Cash Select for Business card, which offers 1.5 percent cash back on all purchases and a $200 cash bonus once you spend $3,000 on the card within the first three months of card membership .
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Why We Like It: As U.S. Bank spreads its footprint across the country, it's stepping up with stronger offers for small-business owners. New cardholders can earn a bonus of $200 after spending $1,000 in net purchases within the first 90 days of card membership and if you keep your account in good standing, U.S. Bank will kick in an annual bonus equal to 25 percent of your previous year's cash-back earnings. And the cash-back earning potential doesn't stop there.
The Bonus: Earn $200 cash back after you spend $1,000 on eligible purchases in your first 90 days of card membership plus an annual bonus equal to 25 percent of your prior year's cash rewards, up to $250.
The Annual Fee: $0; add employee cards at no additional cost
The Rewards: Earn 3 percent cash back on cellular/phone service provider, gas station and office supply store purchases and 1 percent cash back on everything else.
More Details: With the this card, cardholders will also enjoy zero fraud liability, 24/7 dedicated service, customizable spending controls, online reporting and more.
Best small business credit card for balance transfers and intro 0% APR
Why We Like It: The U.S. Bank Business Platinum makes a great credit card for business owners because it has an intro offer of 0% APR on purchases and balance transfers for a whopping 20 billing cycles (then 12.24%-20.24%* Variable). Twenty billing cycles is a lot when it comes to 0% APR offers, especially for a business card. This perk is great as it's no secret that running a business can be expensive. You have to spend money to make money, right? Having a grace period for interest-free purchasing is an excellent perk as it gives business owners a bit of extra time to pay off large purchases. Just be sure to pay off the balance before the introductory period expires.
The Bonus: There's no traditional bonus, per se, however, we'd argue that the 0% APR intro offer is a pretty great bonus in and of itself. Plus, there is no annual fee, which makes this perk all the better.
0% Interest Details: Enjoy an introductory offer of 0% APR on purchases and balance transfers for the first twenty billing cycles. After that, a variable APR of 12.24%-20.24%* Variable will apply.
Balance Transfer Fees: 3%
The Annual Fee: $0*
Best small business credit card for airline loyalty
Why We Like It: While not technically a small business credit card, if business mandates you or your employees fly frequently, and American Airlines is the preferred airline for your travel plans, the Citi® / AAdvantage® Executive World Elite™ Mastercard® may still be a great card for your needs. It makes sense to collect points and miles for what you're already doing and with this card you can earn a nice welcome offer plus enjoy ongoing perks and features that an avid business traveler truly values, such as Admirals Club® access, priority check-in and boarding privileges and free checked bags. (Citi is a CardRatings advertiser)
The Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within your first three months of account membership. You can also earn 10,000 AAdvantage® Elite Qualifying Miles each year you make at least $40,000 in purchases.
The Annual Fee: $450; add up to 10 authorized users for free
The Rewards: Earn two miles for every $1 spent on eligible American Airlines purchases and one mile per $1 on everything else. Read our full review of the Citi® / AAdvantage® Executive World Elite™ Mastercard®.
More Details: Citi® / AAdvantage® Executive World Elite™ Mastercard® members also receive a Global Entry or TSA Pre?® application fee credit; Admirals Club® airport lounge access (or a prorated refund of your Admirals Club® membership fee if you're already a member); priority check-in, priority airport screening, and boarding privileges for you and up to eight traveling companions on the same reservation; first checked bag free on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation; and access to a dedicated concierge who can help with things like travel, shopping, dining, household and entertainment needs.
Best small business credit card for hotel rewards
Why We Like It: If you travel often, the only disadvantage that stands out with The Hilton Honors American Express Business Card is the $95 annual fee, but considering the perks that are offered with the card, like hotel stay rewards and some complimentary airport lounge passes, a healthy welcome offer and extreme point-earning ease, that annual fee doesn't seem too bad. Truly the most striking thing about this card is the huge number of points that can be earned on purchases. With that kind of point-earning potential, traveling for work might suddenly feel kind of fun.
The Welcome Offer: Earn 125,000 Hilton Honors bonus points after spending $3,000 on purchases within your first three months of card membership.
The Annual Fee: $95; add employee cards at no additional cost. Terms apply. See Rates and Fees
The Rewards: Earn 12 points per $1 at hotels and resorts in the Hilton portfolio; six points at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, on U.S. shipping purchases, at U.S. restaurants, on flights booked directly with airlines or with AmexTravel.com, and on car rentals booked directly from select car rental companies; and three points on all other purchases. Read our full The Hilton Honors American Express Business Card review.
More Details: Cardholders of The Hilton Honors American Express Business Card also receive complimentary room upgrades; the chance to earn weekend reward nights; 10 airport lounge passes each year; no foreign transaction fees; year-end summaries; Spend Manager access, a feature which helps you to manage your card expenses by allowing you to add receipts and notes to your transactions; extended warranty coverage; purchase protection; and a number of other travel and shopping perks and business management tools.
Why We Like It: Free hotel stays are always a nice perk, and with this card, you're eligible for a Free Night Award each year after your account anniversary. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Also, for a limited time, new card holders can earn a 100,000 point bonus, which could go far with over 6,700 Marriott brand hotels in 129 countries and territories.
The Welcome Offer: For a limited time earn 100,000 bonus Marriott Bonvoy points after you use your new card to make $5,000 in purchases within the first three months. Offer ends 04/24/2019.
The Annual Fee: $125. Terms apply. See Rates and Fees.
The Rewards: Earn six points on purchases made at participating Marriott Bonvoy hotels, four points at U.S. restaurants and gas stations, and on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, and two points on all other eligible purchases.
More Details: Receive one Free Night Award every year after your card account anniversary. Plus, earn an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
For rates and fees of American Express cards mentioned in this post, please see the following links: American Express® Business Gold Card(See Rates and Fees); The Business Platinum® Card from American Express (See Rates and Fees); SimplyCash® Plus Business Credit Card from American Express (See Rates and Fees); The Hilton Honors American Express Business Card (See Rates and Fees); Marriott Bonvoy Business™ American Express® Card (See Rates and Fees)
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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