Benilyn Formoso

Editor’s note: This is a recurring post with regularly updated card details. The best business credit cards for new businesses with no credit history have an easy approval process, offer rewards, come with low fees, and can help you build your business credit. Issuers will typically check your personal credit to see whether you qualify for credit cards if you lack credit history. Your options also include secured business credit cards and personal credit cards. Here are the best credit cards for new businesses with no credit history: : Best overall credit card for new businesses with no credit history : Best card for fair credit with no annual fee : Best secured card with a credit limit of up to $100,000 : Best for bad credit with unlimited rewards : Best for instant approval : Best for long 0% annual percentage rate (APR) : Best for good credit with unlimited cash back : Best for online advertising : Best charge card with no personal guarantee To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and choose up to two additional cards for comparison. Chase Ink Business Unlimited®: Best Overall Credit Card for New Businesses With No Credit History Why we like it:  tops our list of the best credit cards for new businesses with no credit history because of its fixed-rate cash back of 1.5% on all purchases with no spending categories. New business owners can also take advantage of interest-free financing on purchases for the first 12 months of card membership. It has no annual fee and offers a sign-up bonus of $900 when you spend $6,000 within the first three months. Redeem rewards for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®. It’s also our #1 pick for the best small business credit cards, ideal for new business owners with good personal credit but no business credit history. Capital One® Spark® Classic for Business: Best Card for Fair Credit With No Annual Fee Why we like it:  is designed for business owners with fair credit. It has no annual fee and offers a fixed 1% cash back on all purchases regardless of spending categories, making it our leading fair credit business credit card. It can help you grow your business credit score when used responsibly because it reports your payment history to the major business credit bureaus. Once your credit score rises, you’ll be eligible for a wider range of higher-performing cards. Make sure to pay your balance every billing cycle since it comes with a high APR. First National Bank of Omaha Business Edition® Secured® Visa Card: Best Secured Card With Credit Limit Up To $100,000 Why we like it: The offers a credit limit from $2,000 to $100,000, which is the highest among all secured credit cards on this list. Your limit will be based on your security deposit, which should be 110% of your desired limit. For example, if you need a limit of $100,000, then your security deposit should be $110,000. Keep in mind that while the card charges a low annual fee of $39, it lacks a sign-up bonus and ongoing rewards on your purchases. However, you’ll earn interest on your security deposit based on the deposit account agreement. It’s a great option for those who have bad credit history and is even on our list of the top-ranking business secured credit cards. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for Bad Credit With Unlimited Rewards Why we like it: If you have no business credit and your personal credit score cannot qualify for an unsecured business credit card, the credit card may be a great option for you. It offers unlimited 1.5% cash back on all purchases, regardless of expense categories. Plus, you only need to make a security deposit of at least $1,000 to qualify. The amount of your security deposit will determine your credit limit. You can minimize your overall credit costs because this card comes with no annual fee. With consistent on-time payments, you’ll be able to improve your personal credit score and eventually qualify for a wide selection of unsecured business credit cards. It’s our top-recommended business secured credit card and our overall best business card for bad credit because of its unlimited rewards with no annual fee. American Express Blue Business CashTM: Best for Instant Approval Why we like it:  is our leading instant approval business credit card because it offers instant card numbers upon approval, making it available for use immediately. You need to have a good to an excellent personal credit score to get approved—but you can qualify even if you don’t have a business credit history. It features expanded buying power, allowing you to spend beyond your credit limit based on your credit history, card usage, and payment behavior. It offers 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% thereafter. The cash back earned is credited to your statement automatically. You can also earn a $250 statement credit as a bonus when you spend at least $3,000 in the first three months of card membership. It has no annual fee, and you can make interest-free purchases for the first 12 months after opening an account. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Long 0% APR Why we like it: If you need to make a significant purchase to start a business or transfer a balance from another card, the is an excellent choice. You can take advantage of interest-free financing on both purchases and balance transfers for 15 months after opening an account. You’ll also earn 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on gas, office supplies, cellphone services, and dining, and 1% cash back on all other purchases. Plus, you’ll receive a $500 bonus cash back after spending $4,500 on eligible purchases within the first 150 days of opening your account. Because of all these benefits, it’s even our leading business credit card with no annual fee. Capital One® Spark® Cash Select Good Credit: Best for Good Credit With Unlimited Cash Back Why we like it:  is designed for business owners with good credit wanting to earn fixed-rate cash back without having to monitor spending categories. It has no annual fee and offers unlimited 1.5% cash back on all business-related purchases. If you need to make a significant purchase, you can take advantage of its 0% introductory APR for the first 12 months of account opening. It’s worth noting that the 0% APR doesn’t apply to balance transfer transfers. Also, it doesn’t offer a sign-up bonus. Its easy rewards program and flexible redemption options make it one of our top-recommended business credit cards for self-employed individuals and consultants. Chase Ink Business Preferred® Credit Card: Best for Online Advertising Why we like it: The offers rich ongoing rewards for various spending categories. It’s an excellent option for new businesses that need to advertise on social media sites like Google and Facebook because you can earn 3x points per dollar spent on online advertising. You’ll also earn 3x points per dollar on travel, shipping, internet, cable, and phone services. The 3x points per dollar are earned on the first $150,000 spent in combined purchases on the above-mentioned categories, then earn 1x point per dollar after the cap is met. Plus, it has a low annual fee of $95 and offers a lucrative introductory bonus. You’ll receive 100,000 bonus points, the equivalent of $1,000 cash back, when you spend $15,000 during the first three months of card ownership. It’s our best high-limit business credit card because it offers generous credit limits based on your personal credit score and other financial information. SVB Innovators Card: Best Charge Card With No Personal Guarantee Why we like it: The is a charge card and not a credit card that doesn’t require a personal guarantee, which means the bank won’t go after your personal assets in case your business cannot pay its debts. It’s our leading business card without personal guarantee and one of our best business cards for startups. To qualify, you need to open a deposit account with Silicon Valley Bank. Your bank account balance and your personal credit score are two of the biggest factors that will determine your eligibility. It doesn’t have an annual fee and offers unlimited, fixed-rate 2x points per dollar on every purchase. Also, you’ll have a flexible credit limit that scales with your business’s growth. It’s important to note that since it’s a charge card, you need to pay your full balance every month, so it doesn’t come with an APR. Failing to pay your balance in full will result in a late payment fee of $32 or 2.5% of the unpaid charges, whichever is greater. How We Selected the Best Credit Cards for New Businesses With No Credit History We prioritized cards that offer opportunities for building credit scores and have zero or low annual fees. We also looked at ongoing interest rates, introductory APRs, bonuses, ongoing rewards, and ease of application. Bottom Line When you don’t have a business credit history and are looking for a business credit card, most issuers will look at your personal credit score and your banking relationship with them as their basis for approval. Consider the fees, terms, and rates the card offers to determine which card is a good fit for your business. You can find cards with 0% introductory rates, no annual fee, and ongoing rewards. Also, select an option that reports your payment history to the business credit bureaus so that you can build your business credit.

Editor’s note: This is a recurring post with regularly updated card details. The best credit card for real estate agents offers rewards and cash back for specific business expenses. While there aren’t any business credit cards specifically designed for the real estate industry, there are those that specialize in spend categories that real estate agents can benefit from. When selecting the best real estate agent credit card, choose one that lets you earn rich rewards from where you typically spend the most. In addition to regular business credit cards, we also included a charge card and a secured business credit card. Here are the eight best credit cards for real estate agents: : Best overall credit card for real estate agents : Best for unlimited cash back rewards : Best for extended 0% introductory annual percentage rate (APR) and rewards on gas purchases : Best for earning rewards on online advertising : Best for low ongoing APR : Best for earning travel rewards : Best for real estate agents with bad credit : Best for earning cash back on internet, cable, and phone services : Best charge card with flexible credit limit To see how these cards stack up against others we have reviewed on our site, simply click Add to Compare on a card below and select up to two additional cards for comparison. American Express Blue Business® Plus: Best Overall Credit Card for Real Estate Agents Why we like it: The is our best credit card for real estate agents because of its generous rewards and flexible credit limit. You can earn 2x points on the first $50,000 in purchases each year, then 1x point thereafter. It comes built-in with American Express’ Expanded Buying Power feature, which allows you to spend over your credit limit. The amount you can spend will be based on your card usage, payment behavior, and credit history. You’ll also earn 15,000 points after spending $3,000 on eligible purchases within your first three months of membership. If you need to make a large purchase to set up your real estate office, you can take advantage of the introductory 0% APR for the first 12 months after opening an account. On top of all that, it has no annual fee, which is a great way to save on credit costs. It’s also a great option for individuals wanting to earn points-based rewards. It’s one of our leading business credit cards for self-employed individuals and sole proprietorship businesses. Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Cash Back Rewards Why we like it: With the card, you can earn unlimited, fixed-rate cash back of 1.5% on all purchases, regardless of spending categories. This is a great option for real estate agents who have existing deposit accounts with Bank of America—you can earn up to 75% more cash back on all purchases if you qualify for the Preferred Rewards for Business. Plus, you’ll receive a $300 statement credit when you spend at least $3,000 within 90 days of card ownership. It has no annual fee and offers 0% APR on purchases for the first nine billing cycles after opening an account. It’s also one of our top-recommended credit cards for nonprofits. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for Extended 0% Introductory APR & Rewards on Gas Purchases Why we like it: The gives you a 0% introductory APR on both purchases and balance transfers for the first 15 months. If you’re setting up a new real estate office, it might be a good time to make large and costly purchases interest-free. You can also consolidate your balance from another credit card and pay it off within 15 months with zero interest. In addition, since you do a lot of driving for property visits and client calls, you can take advantage of 3% cash back at gas stations and restaurants. Because of this, it’s our choice for the best fuel credit cards for small businesses. You’ll also enjoy 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at office supply stores and mobile phone service providers, and 1% cash back on all other purchases. As an introductory bonus, you can receive $500 cash back after spending $4,500 in the first 150 days of card ownership. You can even earn a $100 statement credit for recurring software subscriptions, such as FreshBooks or QuickBooks, for your real estate accounting needs. There are no limits on the number of rewards you can earn, and there’s no annual fee. This is our leading business credit card with no annual fee. Chase Ink Business Preferred®: Best for Earning Rewards on Online Advertising Why we like it: The card gives you 3x points per dollar on the first $150,000 spent annually on internet, cable, phone, shipping, travel, and social media and search engine advertising. Given that advertising is one of the biggest expenses of a real estate agent, this can be a huge cost-saving benefit. After the $150,000 purchase cap—one of the highest you’ll find for a business credit card—you’ll get 1x point per dollar with no maximum. As a welcome bonus, if you spend $15,000 during the first three months after opening an account, you get 100,000 points, which is equivalent to $1,000 cash back. You can redeem your rewards for travel, cash back, or gift cards. Keep in mind that there’s an annual fee of $95. However, with its gainful rewards, this will pay off, especially if you can meet the spending annual cap. It’s one of our top-recommended credit cards with no foreign transaction fee, making it a good option if you often travel abroad. Moreover, you can qualify for this card even without business credit history. It’s also one of our leading business credit cards with no credit history. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR Why we like it: The has the lowest starting APR among all other credit cards on this list, making it an excellent choice if you plan to carry a balance from time to time. Plus, you can enjoy 0% financing on purchases for the first nine billing cycles. Since it comes with a low ongoing APR, it’s one of our top business credit cards with 0% APR and outstanding business credit cards for LLC. You can get 1.5% cash back on all business purchases, with no limit to the amount you can earn. As a welcome bonus, receive $400 if you spend $3,000 in qualifying purchases within the first three months of card ownership. You can redeem your cash back anytime as a statement credit or as a deposit into an eligible PNC business checking account or savings account. Capital One® Spark® Miles for Business: Best for Earning Travel Rewards Why we like it: The is an excellent option if you often travel by plane and stay at hotels. You can earn unlimited 2x miles on all purchases, regardless of spending categories. You can redeem your travel rewards for flights, hotel stays, and vacation packages. Plus, it allows you to transfer miles to any of Capital One’s travel partners. These are a few of the reasons why it’s one of our top-selected business credit cards for travel and for earning miles. It comes with a low annual fee of $95, and it doesn’t charge balance transfer and foreign transaction fees. You’ll also enjoy up to $100 credit for Global Entry or TSA Pre✓®. What’s more, you can earn 50,000 miles, which is equal to $500 in travel, when you spend $4,500 within the first three months of card ownership. Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for Real Estate Agents With Bad Credit Why we like it: If you cannot qualify for a regular unsecured business credit card because you have poor or limited credit, the is your best bet. All you need to do is to make a security deposit of at least $1,000 to get qualified, and your credit limit will be based on the amount of your security deposit. It’s our best overall unsecured business credit card and the top business card for bad credit. You can earn 1.5% cash back on all purchases without having to pay an annual fee. You can redeem your cash rewards as a deposit into your Bank of America checking account or savings account, a statement credit, or a check mailed to you. With consistent on-time payments, you can build your business credit over time, allowing you to qualify for an unsecured business credit card. Chase Ink Business Cash® Credit Card: Best for Earning Cash Back on Internet, Cable & Phone Services Why we like it: If you have substantial expenses on internet, cable, and phone services, the is a good fit. It offers 5% cash back on the first $25,000 spent on those categories and on office supplies. You’ll also get 2% cash back on the first $25,000 spent at gas stations and restaurants, and 1% cash back on all other purchases. While its $25,000 limit on each account anniversary year is significantly lower than the Chase Ink Business Preferred® card, it may be a better choice if you’re working with a smaller budget. Plus, it comes with no annual fee and a 0% introductory APR on purchases for the first 12 months. It also offers a $900 bonus cash back when you spend $6,000 on purchases in the first three months after opening an account. You can redeem your rewards for travel, for merchandise, or as a statement credit. It’s also our top-recommended limited liability company (LLC) credit card and our leading business credit card for startups because of its lucrative rewards program. Capital One® Spark® Cash Plus: Best Charge Card With Flexible Credit Limit Why we like it: If you can pay your balance in full every month and want flexible purchasing power, the is a suitable option. It’s a charge card, so it comes with no APR. With a charge card, your full balance is due each month. Failure to pay your full balance will result in a 2.99% monthly late fee. Another great thing about this card is that it doesn’t have a preset credit limit. This means your credit limit adapts to your needs based on your spending behavior, payment history, and credit score. It offers generous rewards—you’ll receive 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 2% cash back on all other purchases. Plus, you can earn up to $1,000 as a welcome bonus—receive $500 after spending $5,000 in the first three months, and another $500 after you spend $50,000 in the first six months. While it comes with a $150 annual fee, you can earn an additional $200 annual cash bonus if you spend $200,000 or more. Being one of our top-ranking business credit cards with instant approval, you can get approved for this card quickly if you have an excellent credit score. How We Selected the Best Credit Cards for Real Estate Agents The best credit card for real estate agents includes ways to save money on your most frequently purchased items and services. When evaluating the best real estate agent credit cards, we prioritized introductory and ongoing rewards, sign-up bonuses, introductory and ongoing APRs, and spending categories most often used by real estate agents. Bottom Line When you’re thinking about which credit card to choose for your real estate business, consider which ones fit your budget. If the rewards are substantial and practical for your use, then an annual fee might be worth it. Also, check whether a card with restricted spend categories or a card with unlimited, fixed-rate rewards would benefit you the most. For other options, visit our Credit Card Marketplace and read our best small business credit cards guide.

Editor’s note: This is a recurring post with regularly updated card details. Whether you’re self-employed as a freelancer, an independent contractor, or a small business owner, keeping your personal and business expenses separate is crucial for your success. The best way to do this is to get a business credit card. The best business credit cards for self-employed individuals offer attractive rewards, come with low interest rates and fees, and let you build your business credit. Here are the 10 best business credit cards for the self-employed individuals and freelancers: : Best overall business card with expanded buying power : Best for self-employed with home offices : Best for self-employed with bad or limited credit : Best for self-employed with fair credit : Best for self-employed with good credit : Best for substantial gas and dining expenses : Best for low ongoing annual percentage rate (APR) : Best for recurring Amazon purchases : Best for self-employed with no business credit history : Best for self-employed who travel frequently : Best charge card with no personal guarantee To see how the cards below stack up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison. American Express Blue Business CashTM Card: Best Overall Business Card With Expanded Buying Power for Self-employed Why we like it: The  is our choice for the best overall business credit card for self-employed business owners and freelancers because of its flexibility and simple rewards program. It features expanded buying power, allowing you to spend beyond your credit limit. The amount adjusts with your usage, payment history, credit record, and financial resources. Additionally, it has no annual fee and offers fixed-rate rewards on all spending categories. You’ll receive 2% cash back on all eligible purchases up to $50,000 per calendar year, and then 1% cash back thereafter. There’s no minimum reward amount to redeem, and cash back is credited to your statement automatically. Other things you need to know about the American Express Blue Business CashTM Card include: Sign-up bonus: You’ll get a $250 statement credit after you make $3,000 in purchases on your card in your first three months. 0% intro APR: Enjoy interest-free financing for 12 months from the date of opening an account. Cash advance isn’t allowed: If you need to take out a cash advance from time to time, this card may not be right for you, as it doesn’t allow cash advances. Chase Ink Business Cash®: Best for Self-employed With Home Offices Why we like it: The card may be a good fit for self-employed individuals and freelancers who work from a home office. It has no annual fee and offers a fabulous 5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services. It also offers 2% cash back on the first $25,000 spent at gas stations and restaurants, and then 1% on everything else. In addition, you get $900 cash back after spending $6,000 in the first three months. Here are a few other things you should know about the Chase Ink Business CashSM card: 0% APR: Enjoy a 0% introductory APR on purchases for the first 12 months after the account is opened. However, this promotional rate doesn’t apply to balance transfers. Designed mainly for office-based and online companies: This card is beneficial if you have significant expenses on office supplies. But if you operate online and don’t need office supplies, you can still take advantage of the high cash back rate on internet, cable, and phone services. Redemption options: Redeem rewards for cash back, gift cards, travel, and select merchandise through Chase Ultimate Rewards®. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for Self-employed Individuals With Bad or Limited Credit Why we like it: The credit card is a great option for freelancers and self-employed business owners who have bad or limited credit and couldn’t qualify for a regular, unsecured business credit card. You only need to make a security deposit of at least $1,000 to qualify for this card. The amount of your security deposit will determine your credit limit. Moreover, it offers unlimited 1.5% cash back on all purchases and has no annual fees. You can redeem your cash rewards as a deposit into your Bank of America checking account or savings account, a statement credit, or a check mailed to you. Here are the things that you need to know about the include: Has a varied credit limit: The amount of your credit limit will depend on your security deposit. No sign-up bonus or introductory APR: It has no sign-up bonus, and it also doesn’t offer an interest-free financing period. Builds business credit: You can build your business credit over time when you make consistent on-time payments, allowing you to qualify for unsecured business credit cards. Capital One® Spark® Classic: Best for Self-employed With Fair Credit Why we like it:  credit card is best for self-employed individuals and freelancers who have fair credit, with personal credit scores between 580 and 669. It doesn’t have an annual fee, and you can earn 1% cash back on all purchases, regardless of expense categories. When used responsibly, this unsecured business credit card can help you build or improve your credit. You can redeem your cash back as a statement credit or through a check sent by mail. You can use your rewards as gift cards at restaurants, retailers, and hotels. It’s important to note that it doesn’t offer a sign-up bonus and a 0% introductory APR. Here are a few things that you need to know about the Capital One® Spark® Classic for Business credit card: Rewards have no expiration date: Your rewards don’t expire as long as your account remains open and in good standing. No balance transfer fees: If you need to transfer a balance from another credit card, you don’t need to pay balance transfer fees. However, you’ll be charged a balance transfer APR. High APR: Keep in mind that this card comes with a high ongoing APR of 29.74%. It’s best to pay your balance in full each month to avoid paying high interest. Capital One® Spark® Cash Select Good Credit: Best for Self-employed Individuals With Good Credit Why we like it: If you’re a freelancer or self-employed business owner who has good credit, the card is an excellent option. It has no annual fee and offers unlimited 1.5% cash back on all business-related purchases. You can redeem your cash back upon request in the form of a statement credit, check by mail, or gift cards from restaurants, retailers, or hotels. Here are the things that you should know about the Capital One® Spark® Cash Select Good Credit card: 0% APR: You can take advantage of the 0% introductory APR on purchases for 12 months. However, this doesn’t apply to balance transfers. No sign-up bonus: Unlike most small business credit cards in this list, this card doesn’t offer sign-up bonuses. Reduced credit cost: The Capital One® Spark® Cash Select Good Credit card doesn’t charge annual, balance transfer, or foreign transaction fees, helping you reduce your overall credit cost. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for Substantial Gas & Dining Expenses Why we like it: The has no annual fee and it’s best for freelancers and the self-employed who have frequent and significant expenses on gas and dining. You can earn 3% cash back on eligible purchases at gas and EV charging stations and restaurants, as well as at office supply stores and cell phone service providers. You can also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. If you need to make a large purchase or transfer a substantial balance from another credit card, this card is a suitable option. You can enjoy interest-free financing for both balance transfers and purchases for 15 billing cycles. If you budget your payments over those 15 months, by the time the introductory APR ends, you’ll have paid down your balance to zero. Here are the other things you should know about the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Sign-up bonus: If you spend $4,500 within the first 150 days of opening your account, you’ll receive $500 cash back. Balance transfer fee: A balance transfer fee of 3% or a minimum of $5 is charged even during the introductory period. Annual software subscription credit: You can receive an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR Why we like it: For self-employed individuals and freelancers who need to carry a balance from time to time, the is a good fit. It offers a low ongoing starting APR—the lowest among all other cards on this list. Plus, you get to enjoy 0% APR on purchases for the first nine months after opening an account. It offers an unlimited, fixed-rate cash back of 1.5% on all business-related purchases. As a welcome bonus, you can earn $400 after you spend at least $3,000 in qualifying net purchases during the first three billing cycles of card membership. Here are a few things that you need to know about the PNC Cash Rewards® Visa Signature® Business Credit Card: No annual fee: You can take advantage of unlimited cash back without having to pay annual fees, reducing your overall credit cost. Flexible redemption options: You can redeem your cash back rewards anytime as a statement credit, or deposit cash back into an eligible PNC Business checking account or savings account. No 0% APR on balance transfers: Keep in mind that the 0% intro APR is only for purchases—there’s no interest-free financing option on balance transfers. Amazon Business Prime American Express Card: Best for Recurring Amazon Purchases Why we like it: If you regularly make business purchases through Amazon, you could benefit from the , which has no annual fee outside of the business prime membership fee. You also get to choose between earning 5% cash back or a 90-day interest-free billing cycle on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% cash back after the cap is met. In addition, you can earn 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers. You’ll also earn 1% back on all other expense categories. It’s important to note that you need a valid Amazon Prime membership to qualify. Some things you should know about the Amazon Business Prime American Express Card are the following: Sign-up bonus: Get a $125 Amazon.com gift card upon approval for the Amazon Business Prime American Express Card—no minimum purchase required. Exclusive to Amazon Prime members only: This card is designed only for existing members of Amazon Prime. Non-Prime members aren’t eligible to apply for this credit card. No 0% introductory APR: Unless you choose the 90-day interest-free term, this card doesn’t offer a 0% introductory APR. Chase Ink Business Unlimited®: Best for Self-employed With No Business Credit History Why we like it: If you don’t have a business credit history, the is one of your best bets as a freelancer or self-employed business owner. Its straightforward rewards program allows you to earn unlimited 1.5% fixed-rate cash back on all purchases regardless of expense categories. You can also benefit from interest-free financing for the first 12 months of card ownership. On top of that, it doesn’t charge an annual fee, allowing you to save on overall credit cost. Plus, you can earn a sign-up bonus of $900 when you spend $6,000 within the first three months. Redeem your rewards as a statement credit, or for gift cards, travel, and merchandise through Chase Ultimate Rewards®. Other things about the Chase Ink Business Unlimited® that you should be aware of include: No 0% APR on balance transfers: If you need to transfer a balance from another card, you’ll be charged an APR ranging from 17.49% to 23.49% right away. No expiry on rewards: Your rewards don’t expire as long as your account remains open and in good standing. Other benefits: You’ll enjoy other card benefits including extended warranty protection, purchase protection, travel and emergency assistance services, and auto rental collision damage waiver. Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Self-employed Who Travel Frequently Why we like it: If you’re a freelancer or self-employed business owner who travels frequently for business, consider the . You can earn 3x points for every $1 spent on flights, rental cars, and hotels booked through the Bank of America Travel Center. You’ll also earn an unlimited 1.5x points per dollar on all other purchases. Redeem your points for travel, travel credits, or cash back in the form of a statement credit, a deposit into your Bank of America account, or a check by mail. Moreover, this card lets you reduce your credit cost because it has no annual fee, no foreign transaction fees, and low interest rates. Here are the other important things you should know about the Bank of America® Business Advantage Travel Rewards World Mastercard®: Boost rewards: If you have a business checking account with Bank of America and qualify for Preferred Rewards for Business, you can earn up to 75% more points on every purchase. Sign-up bonus: Receive 30,000 bonus points when you spend at least $3,000 in net purchases within 90 days of opening an account. This is equivalent to a $300 credit toward travel. 0% APR period: This card offers 0% APR on purchases for the first nine billing cycles after opening an account. Keep in mind that the introductory APR doesn’t apply to balance transfers. SVB Innovators Card: Best Charge Card With No Personal Guarantee Why we like it: is a charge card and not a credit card, which means you need to pay your balance in full each month. It’s a good option for freelancers and self-employed individuals who don’t want to be personally liable for their business’s debts as it doesn’t require a personal guarantee. This means that the issuer won’t go after your personal assets in case your business fails to pay its debts. What’s more, you’ll enjoy a flexible credit limit that scales with your business’s growth. Unlike all the other business cards on this list, it doesn’t come with an APR. However, you’ll be charged a late payment fee of either $32 or 2.5% of the unpaid balance, whichever is greater. Here are other things that you should know about the SVB Innovators Card: Unlimited rewards: Earn unlimited, fixed-rate 2x points per dollar on every purchase, regardless of spending categories. No annual fee: Enjoy earning rewards on all purchases without having to pay annual fees. Balance transfer isn’t allowed: If you need to transfer a balance from another credit card, this isn’t the right card for you as it doesn’t allow balance transfer transactions. How We Selected the Best Business Credit Cards for Self-employed When selecting the best credit cards for the self-employed and freelancers, we prioritized low to no annual fees, sign-up bonuses, and ongoing rewards. We also take into account the ability to earn rewards on specific spending categories, 0% APR introductory offers, and ongoing APRs. Frequently Asked Questions (FAQs) Bottom Line The best credit cards for self-employed individuals and freelancers listed in this guide have no annual fees, come with reasonable APRs, and offer rewards. These cards can give your business a boost when you’re self-employed. To find the right card, it’s important to consider your business’s needs and rewards preference. To find another card that’s more suitable for your business, you can visit our Credit Card Marketplace.

Editor’s note: This is a recurring post with regularly updated card details. The best limited liability company (LLC) business credit cards offer strong rewards, introductory rates, low ongoing annual percentage rates (APRs), and low fees. When choosing the right LLC credit card for your business, you should consider the benefits and features your business needs, such as the ability to earn ongoing rewards, enjoy travel perks, and build business credit. Here are the nine best business credit cards for LLCs: : Best overall LLC credit card : Best for low ongoing APR : Best for LLC owners with fair credit : Best for LLC owners with bad or limited credit : Best for long 0% APR period with cash back : Best charge card with no personal guarantee : Best for instant approval : Best for luxury international travel : Best for earning rewards in your chosen category To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Cash®: Best Overall LLC Credit Card Why we like it: We’ve selected as the overall best LLC credit card because of its rich rewards in certain spending categories that LLCs typically have substantial expenses on. You get 5% cash back on the first $25,000 spent on internet, phone, cable, and office supplies, 2% cash back on the first $25,000 at gas stations and restaurants, and 1% cash back on all other business purchases. There’s no annual fee, and you can take advantage of the 0% introductory APR for the first 12 months of card membership. Plus, you’ll receive a $900 bonus cash back when you spend $6,000 in the first three months. This card is also one of our best cash back business credit cards and our number one business credit card for startups because of its lucrative cash rewards, especially for office-based businesses. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR Why we like it: The is designed for LLC owners who plan to carry a balance from time to time. It comes with a low starting APR—the lowest among all other cards on this list. Plus, it has no annual fee, helping you minimize your overall credit cost. What’s more, it offers an unlimited 1.5% cash back on all eligible net purchases. As a welcome bonus, you can earn $400 after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account. You can also take advantage of interest-free financing for the first nine months of card ownership. It’s one of our top business credit cards with no annual fee because of its low ongoing APR and unlimited rewards. Capital One® Spark® Classic for Business: Best for LLC Owners With Fair Credit Why we like it: If you’re a business owner with fair credit (580 to 669), then the card can help you get back on track. It has a straightforward rewards program—you’ll earn 1% cash back on all business purchases regardless of spending categories. There’s no annual fee, and you can build your business credit through responsible usage. It’s our overall best fair credit business card because of its easy approval process and unlimited rewards. However, it’s important to note that it doesn’t offer a 0% introductory rate and sign-up bonus. Further, it comes with a high APR of 29.74% (the highest in this guide), so it’s crucial to plan your budget and pay the bill in full each month instead of carrying a balance. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for LLC Owners With Bad or Limited Credit Why we like it: The card is designed for LLC owners who cannot qualify for a regular unsecured business credit card because of low credit scores. It can help build or improve your business credit if you use it responsibly and make consistent on-time payments, making it our top-recommended secured business credit card and leading business card for bad credit. You can earn unlimited 1.5% cash back on all purchases without having to pay an annual fee. It also lets you redeem your rewards as a deposit into your Bank of America® checking or savings account, a card statement credit, or a check mailed to you. To qualify, you need to make a security deposit of at least $1,000—the amount of your security deposit will determine your credit limit. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Long 0% APR Period With Cash Back Why we like it: The offers 0% APR for the first 15 billing cycles, which is beneficial if you plan to make a large purchase or transfer a balance from another credit card. This is why it’s one of our top business credit cards with 0% APR and credit cards for balance transfers. You can earn $500 cash back after spending just $4,500 in the first 150 days. You also get 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center and 3% cash back at eligible gas stations, mobile phone service providers, and office supply stores. Then, you’ll earn 1% cash back on all other business purchases. Also, you get an annual statement credit of $100 for recurring software subscription expenses, such as for FreshBooks and QuickBooks. In addition, it has no annual fee, which helps you reduce your overall credit cost. It’s our leading fuel card for small businesses because of its generous rewards on gas purchases, along with its other benefits. SVB Innovators Card: Best Charge Card With No Personal Guarantee Why we like it: The is designed for business owners who can pay their balance in full each month and don’t want to provide a personal guarantee. It’s our top-recommended business card with no personal guarantee and one of our leading business cards for startups. It’s best for new LLCs needing flexible credit lines that scale with their business’s growth. It offers a simple rewards program, letting you earn 2x points on every dollar spent on all purchases, regardless of spending categories. It comes with no annual fee, and you can use it anywhere Mastercard is accepted. Note that it’s a charge card and not a regular credit card—it doesn’t come with interest since your balance is due in full every month. Failure to pay your balance in full will result in a significant late payment fee of either $32 or 2.5% of the balance, whichever is greater. American Express Blue Business CashTM: Best for Instant Approval Why we like it: If you need to get approved for a credit card with unlimited cash back quickly, consider the , our overall best instant approval business credit card. You can earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then earn 1% cash back thereafter. Plus, it has no annual fee, and you’ll receive a $250 statement credit when you spend $3,000 within the first three months of card membership. What’s more, it comes with a 0% introductory APR on purchases for the first 12 months and features Expanded Buying Power, which allows you to spend beyond your credit limit based on your financial resources, credit history, payment behavior, and card usage. To get approved immediately, you need a good to excellent credit score. Once approved, you can start using the card because American Express offers instant credit card numbers. American Express Business Platinum Card®: Best for Luxury International Travel Why we like it: If you need to travel abroad frequently and want luxury travel perks, the may be a good fit. While it charges a high annual fee of $695, you can take advantage of premium travel perks, like free access to more than 1,400 airport lounges worldwide, making it our top business card with airport lounge access and one of our best business cards for travel. You can earn 5x points on flights and prepaid hotels booked directly through AmexTravel.com, 1.5x points for eligible purchases in key business categories, 1.5x points on every purchase of $5,000 or more on up to $2 million of these purchases per calendar year, and 1x point on all other purchases. It offers 120,000 bonus points after spending $15,000 within the first three months after opening an account. Keep in mind that similar to SVB Innovators Card, this is a charge card, so it requires you to pay your balance in full every month. However, it offers a Pay Over Time feature to eligible account holders. Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards on Your Chosen Category Why we like it: If your LLC has significant expenses in specific spending categories, like gas, office supplies, travel, TV or telecommunication services, computer services, or business consulting services, the credit card may be a suitable option. You’ll receive 3% cash back on the category of your choice and 2% cash back on dining on the first $50,000 in combined purchases each year. After the cap is met, you’ll earn 1% cash back on those categories and all other purchases. This card is also an excellent choice if you have an existing Bank of America business checking account. You can earn up to 75% more cash back when you qualify for the Preferred Rewards for Business program. The card, which is one of our best small business credit cards, offers a $300 statement credit when you spend at least $3,000 in net purchases within 90 days of card ownership. On top of that, you can benefit from interest-free financing for the first nine months after opening an account. How We Selected the Best LLC Credit Cards To determine the best LLC credit cards, we took into consideration the various features important to LLC owners. We looked at fees, interest rates, introductory rates, bonuses, and ongoing rewards. All of these benefits can help you save money in the long run. Bottom Line When choosing the best business credit cards for LLCs, consider your business goals and which card can help you reach them. Think about how you’ll use the card and whether you want to prioritize earning premium rewards or getting low fees and low APRs. Determine your spending habits and decide if a card with specific spending categories or a fixed-rate rewards card will benefit you the most. To find other options, you may visit our credit card marketplace or check out our best small business credit cards guide.

Editor’s note: This is a recurring post with regularly updated card details. The best credit cards for nonprofits offer no annual fees, low ongoing annual percentage rates (APRs), and generous rewards in expense categories where your organization spends the most. When choosing the best nonprofit credit card, also consider other features that may be beneficial to your organization. We’ve selected a variety of cards with robust rewards and included a charge card and a secured credit card for those who cannot qualify for a regular business credit card. Here are the eight best credit cards for nonprofits: : Best overall credit card for nonprofits : Best for vendor discounts : Best for earning rewards on fuel : Best secured card for nonprofits with low or limited credit : Best for travel rewards : Best for unlimited fixed-rate rewards : Best for low ongoing APR : Best for spending over credit limit To see how these cards stack up against others we have reviewed, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Cash®: Best Overall Credit Card for Nonprofits Why we like it: The is our best overall nonprofit credit card because it’s useful for fundraising expenses. If you’re printing letters, mailers, grant proposals, and annual reports, calling donors frequently, or planning events, you’ll earn premium rewards from this card. For the first $25,000 you spend on office supplies, internet, cable, and phone services each year, you get 5% cash back. You can also get 2% cash back at gas stations and restaurants for the first $25,000 per year, and 1% back on all other purchases. You can receive your cash back as a statement credit or as a deposit to your savings or checking account. You may also redeem your rewards toward travel, gift cards, and merchandise. Its strong rewards program and other benefits also made this card our top choice for startups and limited liability companies (LLCs). Other things that make this card valuable: No annual fee: Without having to pay an annual fee, your nonprofit will minimize its credit cost and save money while earning rewards on expenses. Sign-up bonus: If you can spend at least $6,000 within the first three months of card ownership, you’ll receive a cash back bonus of $900, which you can use toward your operational expenses and nonprofit programs. 0% introductory APR: You can make a large purchase and pay it off within 12 months from opening an account without having to pay an interest. Charity Charge Nonprofit Business Card: Best for Vendor Discounts Why we like it: If your nonprofit has been in operation for at least five years with a minimum of $100,000 in annual revenue or at least two years in operation with $500,000 in annual revenue, you may qualify for the . It can be a big help with your nonprofit’s recurring expenses because you’ll earn automatic rebates to your statement for travel, fuel, business services, and other purchases at participating vendors. You can enjoy exclusive vendor discounts at over 200 national vendors and take advantage of up to 20% discounts on your everyday expenses, with no enrollment fees and no minimum purchase requirement. It’s important to note that this is a charge card, which means that your balance is due in full every month. Here are other things we like about it: No annual fee: Reduce your credit cost while earning premium discounts on purchases from over 200 national vendors. Mastercard® Easy Savings: You can earn automatic rebates to your statement when you use your card on travel, fuel, business services, and other eligible purchases at participating vendors without the need for redemption. No personal guarantee required: It doesn’t require a personal guarantee and can be underwritten directly to the nonprofit organization, making it one of our top-recommended credit cards with no personal guarantee. U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for Earning Rewards on Fuel Why we like it: If you’re always on the road, the is a great option. You can earn 3% cash back at gas and electric vehicle (EV) charging stations, making it our leading fuel card for small businesses. You can also earn 3% cash back at office supply stores, cell phone service providers, and restaurants and 1% cash back on all other purchases. Plus, receive 5% cash back on prepaid hotels and car rentals when you book directly through the Travel Rewards Center. On top of that, this card is also an excellent option for nonprofit organizations needing to make large purchases, such as office furniture or computers. It offers a 0% APR for the first 15 months of card ownership, which you can use to finance interest-free purchases and balance transfers. This long interest-free financing option makes it one of our top credit cards with 0% APR and best business cards for balance transfers. Its other important benefits include: No annual fee: Minimize your credit cost by not having to pay annual fees while earning lucrative rewards. It’s our overall best credit card with no annual fees. $100 software credit: If your nonprofit pays for recurring software subscription expenses such as FreshBooks or QuickBooks, you can earn an annual $100 statement credit. Sign-up bonus: Spend at least $4,500 on purchases within the first 150 days after opening an account and earn a $500 bonus cash back. Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card: Best Secured Card for Nonprofits With Low or Limited Credit Why we like it: If you’re rebuilding your business credit, or if your organization has little to no credit history, the is your best option. It’s our top pick for the best secured business credit cards and leading business cards for bad credit. Plus, it lets you earn 1.5% cash back rewards on all purchases regardless of spending categories. You can redeem your rewards as a deposit into your Bank of America® checking or savings account, a card statement credit, or a check by mail. There’s no cap or limit on the rewards you can earn, and your rewards don’t expire. When used responsibly and paid on-time consistently, you can build your credit and eventually qualify for unsecured business credit cards. Here are the other benefits you can enjoy from this secured business card: No annual fee: Build your credit and earn unlimited rewards on purchases without having to pay annual fees. $1,000 minimum security deposit: You can open an account with a minimum security deposit of $1,000. Your credit limit will be based on the amount of your security deposit. Capital One® Spark® Miles for Business: Best for Travel Rewards Why we like it: If you travel frequently for your nonprofit, use the and get an unlimited 2x miles on every business purchase and 5x miles when you book with Capital One Travel for hotel and rental cars. You can redeem your miles for flights or hotels or transfer your miles to one of Capital One’s travel partners. It comes with a low annual fee of $95, which is waived for the first year. Keep in mind, however, that it doesn’t come with a 0% APR introductory period. Despite the lack of an interest-free financing option, it’s our best business card for miles and one of our top-recommended credit cards for travel. Here are the other key benefits of Capital One® Spark® Miles for Business: Sign-up bonus: Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months of card ownership. $100 travel credit: Receive up to $100 credit for Global Entry or TSA PreCheck® every four years. No foreign transaction fees: Use your card to make international purchases without extra cost as it doesn’t charge foreign transaction fees. Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Fixed-rate Rewards Why we like it: If you don’t want to keep track of spend categories and prefer to earn unlimited, fixed-rate rewards, the credit card offers 1.5% cash back on all purchases. There’s no annual cap, and your rewards don’t expire. Plus, there’s no annual fee, so you can save on credit costs while earning unlimited cash back. It’s also an excellent card if your nonprofit maintains a checking account with Bank of America because you can earn up to 75% more cash back on every purchase if you qualify for the Preferred Rewards for Business. You can redeem your rewards as a deposit into your Bank of America checking or savings account, a statement credit, or check by mail. Here are its other benefits: Sign-up bonus: Receive a $300 statement credit when you make a minimum of $3,000 in purchases during the first 90 days of card ownership. 0% APR: Enjoy interest-free financing on purchases for the first nine billing cycles after opening an account. PNC points® Visa® Business Credit Card: Best for Low Ongoing APR Why we like it: If you plan to carry a balance from time to time, you can benefit from the low ongoing APRs offered by the . It comes with a low APR that ranges from 14.74% to 23.74%, the lowest on this list. It’s also an excellent option if you prefer to earn points rewards that can be redeemed as cash or use them for travel, hotel stays, merchandise, and gift cards from Target, Amazon, and Starbucks. You can earn unlimited 5x points per dollar on all purchases, regardless of spending categories. Here are the other benefits you can enjoy from this card: 0% APR: Take advantage of 0% APR for the first nine billing cycles after opening an account on both purchases and balance transfers when the balance is transferred within the first 90 days. No annual fee: Earn unlimited points rewards without having to pay annual fees. American Express Blue Business CashTM: Best for Spending Over the Credit Limit Why we like it: The features expanded buying power, which allows you to spend over your credit limit whenever you need to. The amount you can spend beyond your credit limit will adjust based on your card usage, payment behavior, credit score, and financial resources. This is one of the reasons why it’s named our best cash-back business credit card. Also, you can earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back thereafter. Cash back is credited to your statement automatically. It’s one of our top Amazon business credit cards, so if your nonprofit shops on the platform frequently, it’s a good option. Here are other benefits you can enjoy from the card: No annual fee: Since there’s no annual fee, you can benefit from unlimited cash back on your purchases without the extra cost. 0% APR: If you plan to make a significant purchase after opening an account, you can benefit from interest-free financing for the first 12 months. Sign-up bonus: Spend at least $3,000 in purchases within the first three months from opening an account and receive a $250 statement credit as a bonus. How We Selected the Best Nonprofit Credit Cards When choosing the best credit cards for nonprofits, we focused on introductory and ongoing rewards, low or no annual fees, interest rates, other features, and cards with spend categories and fixed-rate rewards. Taking all of these into consideration can help your organization save money. Bottom Line The best nonprofit credit card rewards you with every purchase you make. Consider a card with specific spend categories if certain expenses take the most out of your budget. Or if you don’t want to monitor your expense categories, a fixed-rate rewards card with no purchase limitations would work better for you. If you’d like to see additional credit cards, take a look at our list of the best small business credit cards or visit our Credit Card Marketplace.

Editor’s note: This is a recurring post with regularly updated card details. The best business credit cards with no annual fee offer features that allow you to save more money. When choosing a business card with no annual fee, it’s important to ensure that it rewards spending categories that align with your recurring expenses. Also, consider its introductory annual percentage rates (APRs), introductory bonuses, ongoing rewards, other fees, and additional perks. Here are the 10 best business credit cards with no annual fee: : Best overall business credit card with no annual fee : Best for easy unlimited rewards : Best for earning cash back with flexible buying power : Best for business owners with fair credit : Best for earning cash back in your chosen category : Best for earning travel rewards : Best for spending on office essentials : Best for business owners with low credit : Best for lowest ongoing APR : Best for earning points rewards with a flexible credit limit To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Business Credit Card With No Annual Fee Why we like it: The is our best overall business credit card with no annual fee because it offers several ways to save money. For instance, if you plan to make a large purchase or transfer a balance from another card, you can take advantage of the 0% APR period for 15 billing cycles. This allows you to pay off your balance for 15 months without paying interest. Because of this, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is one of the top-recommended business credit cards for balance transfers. In addition, if you can spend at least $4,500 within 150 days after opening an account, you’ll earn a $500 bonus cash back. You can also benefit from lucrative ongoing rewards, such as 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, and 3% cash back at eligible gas stations, restaurants, mobile phone service providers, and office supply stores. Plus, you’ll earn 1% cash back on all other purchases. Its great cash back offerings make it one of our leading credit cards for limited liability companies (LLCs). It’s worth noting that there’s no limit on the total rewards you can earn and there’s no expiry as long as your account remains open and in good standing. You can use your cash back as a statement credit or receive it as a deposit to your U.S. Bank business checking, savings, or money market account. Additionally, if you pay for recurring software subscription expenses such as FreshBooks or QuickBooks, you can earn a $100 statement credit annually. Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards Why we like it: The card offers an easy and straightforward rewards program—you’ll earn 1.5% fixed rate cash back for every dollar spent on any business-related purchase. There are no limits to the amount of cash back you can earn, and no spend categories to keep track of. If you spend $6,000 in the first three months of card ownership, you’ll earn a $900 bonus cash back. You can redeem your rewards as a statement credit or use them for gift cards or travel. For these reasons, it’s our top pick for best business credit cards for sole proprietors. You can also benefit from zero-interest financing on purchases for the first 12 months of card ownership. However, it’s important to note that, unlike the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, this 0% APR period doesn’t apply to balance transfers. It’s also an excellent option if you’re a new business with no business credit history, as long as you have a good to excellent personal credit score. It’s our top choice for the leading credit cards for new businesses with no credit history because of its simple rewards program and generous sign-up bonus. American Express Blue Business CashTM: Best for Earning Cash Back with Flexible Buying Power Why we like it: The  offers 2% cash back on any business purchase up to $50,000 each calendar year, then 1% cash back thereafter. In addition, you’ll receive a $250 bonus cash back after spending $3,000 in the first three months after opening an account. Cash back is credited to your statement automatically, and there’s no minimum reward amount to redeem—for these reasons, this card is our best overall cash back business credit card. Further, it features expanded buying power, which allows you to spend over your credit limit when you need to. The amount you can spend adjusts based on your card usage, payment behavior, and financial information. The card also offers a 0% introductory APR on purchases for the first 12 months of card ownership. Similar to Chase Ink Business Unlimited®, the interest-free financing option doesn’t apply to balance transfers. It’s our pick for the best overall business credit card for self-employed business owners because of its generous yet simple rewards program that doesn’t require you to monitor spending categories. Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit Why we like it: The is a great option if you have a fair credit score (580 to 669). Using this card responsibly can help you grow your credit score while earning unlimited rewards. It’s our overall best credit card for fair credit and is among our top instant approval credit cards, requiring only a fair credit score to get approved. This straightforward card offers a fixed-rate 1% cash back on all business purchases, with no limits or spend categories. Rewards never expire, and you can choose between redeeming them as a statement credit or as a paper check. It’s important to note that this card has the highest APR on this list. Plan your budget carefully and pay your balance in full every billing cycle to avoid paying for a high interest rate so that you can reduce your credit cost. Bank of America Business Advantage Customized Cash Rewards: Best for Earning Cash Back in Your Chosen Category Why we like it: If you have significant expenses in certain spending categories, including gas, office supplies, travel, telecommunication, computer, and business consulting services, the card from Bank of America is an excellent choice. It allows you to choose the category where you spend the most, from which you’ll earn 3% cash back. Plus, you’ll earn 2% cash back on dining and 1% cash back on all other expenses. Keep in mind that the 3% and 2% cash back only apply on the first $50,000 combined purchases each calendar year. When the cap is met, you’ll earn 1%. You’ll get a $300 statement credit after making at least $3,000 in purchases in the first 90 days after opening an account and can enjoy interest-free financing on purchases for the first nine billing cycles. Plus, if you have a Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier, Platinum Honors, you’ll earn 75% more points. Bank of America Business Advantage Travel Rewards World Mastercard®: Best For Earning Travel Rewards Why we like it: If you travel for business often, the is an excellent option because it allows you to earn unlimited rewards that can be redeemed for travel or travel credit. Earn 1.5x points for every dollar you spend on all purchases and 3x points per every dollar spent when you book car rentals, hotel stays, and flights through the Bank of America® Travel Center. You can also earn 30,000 bonus points after making at least $3,000 in purchases within the first 90 days after opening an account. Moreover, you can enjoy interest-free financing on purchases for the first nine billing cycles. You’ll even get up to 75% more points if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business membership. If you don’t want to redeem your points for travel, you have the option to use your rewards as a statement credit, a deposit into your Bank of America checking or savings account, or a check by mail. It’s one of our best business credit cards for travel because it doesn’t charge a foreign transaction fee and offers unlimited rewards. Chase Ink Business Cash®: Best for Spending on Office Essentials Why we like it: With the , you can save on office supplies and internet, cable, and phone services by earning 5% cash back on all of these items, up to $25,000 each account anniversary year. You can also earn 2% cash back on the first $25,000 spent at gas stations and restaurants, then 1% cash back on all other expenses. Similar to Chase Ink Business Unlimited®, you’ll receive $900 cash back when you spend $6,000 in the first three months of card ownership. Plus, you’ll enjoy zero-interest financing on purchases for the first 12 months. This card’s lucrative rewards made it one of our top choices for the best cash back business credit cards. It’s also our leading credit card for LLCs and nonprofits and one of our top picks for real estate agents. You can redeem your rewards as a statement credit, gift cards or travel. Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for Business Owners With Low Credit Why we like it: If your credit score cannot qualify you for a regular unsecured business credit card, you may consider the . It has no annual fee and only requires a security deposit of at least $1,000. Your credit limit will be based on the amount of the security deposit. With responsible use, you can build or improve your business credit while earning unlimited 1.5% cash back on all purchases. You can redeem your rewards as a deposit into your Bank of America checking or savings account, as a card statement credit, or as a check mailed to you. It’s our overall best secured business credit card and leading business credit card for bad credit. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Lowest Ongoing APR Why we like it: If you carry a balance with each billing cycle, the is your best choice. It has the lowest starting APR on our list and offers 0% introductory APR for nine billing cycles, making it one of our best business credit cards with 0% APR. You also get 1.5% cash back on all eligible business purchases, with no limit to the amount you can earn. As a welcome bonus, earn $400 if you spend $3,000 in qualifying purchases within the first three months of card ownership. Additionally, it’s one of our top-recommended business credit cards that don’t report to personal credit bureaus—a great option if you don’t want your business card transactions to affect your personal credit. American Express Blue Business® Plus: Best for Earning Points Rewards With Flexible Credit Limit Why we like it: The American Express Blue Business® Plus card is similar to the , but instead of cash back, you’ll earn points rewards. It offers 2x points per dollar on the first $50,000 spent on any business purchase each year, then 1x point thereafter. When you spend $3,000 in eligible purchases within the first three months of card membership, you’ll receive 15,000 bonus points. You can also redeem your points for travel or gift cards, or use Pay With Points at more than a dozen retailers. It even offers zero-interest financing on purchases for the first 12 months. What’s more, it features expanded buying power, which lets you spend beyond your credit limit. Your credit limit adjusts based on your spending habits, payment history, credit score, and financial resources. This is one of the reasons why both the  and cards are among our list of the best business credit cards for startups. How We Selected Business Credit Cards With No Annual Fee When choosing the best business credit cards with no annual fee, we considered the introductory APRs and ongoing interest rates. Additionally, we took into account the introductory bonuses, ongoing rewards, and other features. All of these add up to cards that provide the best value for your business. Bottom Line A business credit card with no annual fee is a good choice if your goal is to save on unnecessary fees. Make sure to take advantage of introductory APRs, introductory bonuses, and ongoing rewards. Cash back that’s redeemed as a statement credit typically is the fastest way to benefit from rewards. Points-based rewards are also valuable especially if redeemed for certain expenses that are important for your business. If you’d like to see more of our recommendations, visit our Credit Card Marketplace or take a look at our choices for the best small business credit cards.

Editor’s note: This is a recurring post with regularly updated card details. The best sole proprietorship business credit cards allow you to earn rewards on your purchases. When choosing a card, prioritize one that offers sign-up bonuses, has a zero or low annual fee, charges low ongoing annual percentage rates (APRs), and provides a 0% introductory APR to finance a large purchase or balance transfer. Sole proprietors can also benefit from cards that can help build business credit. Here are the 10 best sole proprietor business credit cards: : Best overall business credit card for sole proprietors : Best for sole proprietors with fair credit : Best for sole proprietors with bad credit : Best for Amazon Prime members and recurring Amazon purchases : Best for long 0% APR period with cash rewards : Best for everyday expenses : Best for earning travel rewards : Best for low starting APR : Best for office-based sole proprietors : Best for earning flexible rewards To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Unlimited®: Best Overall Business Credit Card for Sole Proprietors Why we like it: The is our overall best sole proprietorship business credit card because it offers a simple cash back rewards program. You can earn unlimited 1.5% cash back on all business-related purchases, regardless of spending categories. In addition, you’ll receive $900 cash back when you spend at least $6,000 in the first three months of card membership. It also comes with no annual fee and a low ongoing APR. Plus, if you plan to make a significant purchase, you can enjoy 0% introductory APR for the first 12 months. Note, however, that this interest-free financing period doesn’t apply to balance transfer transactions. In general, this card is straightforward and uncomplicated, making it an excellent choice for sole proprietors with varied expenses. It’s also named one of our best credit cards for startup businesses due to its easy rewards program and low fees. Capital One® Spark® Classic for Business: Best for Sole Proprietors With Fair Credit Why we like it: If you’re a sole proprietor with fair credit (580 to 669), the is a great option as it can help you grow your credit score—as long as you use it responsibly. Your payment history will be reported to the major credit bureaus, so consistent on-time payments can help you improve your credit over time. In addition, it has no annual fee and offers 1% cash back on all business purchases. There’s no cap on the number of rewards you can earn, and rewards will never expire. While this card is our best business credit card for fair credit, keep in mind that it’s important to pay your balance for each statement period since it comes with a high APR. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for Sole Proprietors With Bad Credit Why we like it: If you have a low credit score and cannot qualify for an unsecured business credit card, the is an excellent alternative. You only need to make a security deposit of at least $1,000 to qualify, and the amount of your security deposit will determine your credit limit. It’s our top choice for secured business credit cards and business cards for bad credit because it can help you build or improve your business credit while earning unlimited 1.5% cash back on all purchases. You can redeem your rewards as a deposit into your Bank of America® checking or savings account, a card statement credit, or a check mailed to you. Moreover, it comes with no annual fee, so you can save on your overall credit cost. With consistent on-time payments, you’ll be able to raise your credit score and eventually qualify for an unsecured business credit card. Amazon Business Prime American Express Card: Best for Amazon Prime Members & Recurring Amazon Purchases Why we like it: If you have a Prime membership at Amazon, you can earn substantial cash back when you use the to purchase business-related goods. You’ll get 5% cash back on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market on the first $120,000 each calendar year, then 1% cash back thereafter. If you don’t want to earn premium rewards on Amazon purchases, you could opt for a 90-day interest-free billing cycle instead. Also, you’ll get 2% back at restaurants, gas stations, and wireless phone services and 1% back on all other eligible purchases. There’s no annual fee outside of the Amazon Business Prime membership fee. As a member, you’ll gain access to quantity discounts and thousands of products only available to Business users. On top of that, you’ll receive an automatic $125 bonus Amazon.com gift card upon approval, with no spending requirements. This card is the only co-branded credit card on this list, and it’s our leading Amazon business credit card. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Long 0% APR Period With Cash Rewards Why we like it: The is a great option if you need to make a substantial purchase or consolidate your debts from other credit cards. You can take advantage of zero-interest financing for 15 months after opening an account on both purchases and balance transfers. Plus, you can earn unlimited rewards on your purchases—5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on fuel, office supplies, cellphone service providers, and restaurants, and 1% cash back on all other purchases. High cash back on gas purchases is one of the reasons why it’s our top-recommended fuel business credit card. With this card, you’ll also receive bonus cash back of $500 when you spend $4,500 on eligible purchases within the first 150 days of opening your account. In addition, if you have recurring software subscription expenses, such as FreshBooks or QuickBooks, you’ll get a $100 statement credit. On top of all these rewards, there’s also no annual fee, which is why it’s our overall best credit card with no annual fee. American Express® Blue Business® Plus: Best for Everyday Expenses Why we like it: You can earn 2x points on all eligible purchases with the on up to $50,000 in a single calendar year. When the cap is met, you’ll earn 1x points on all purchases. It has no annual fee and features expanded buying power, which lets you spend beyond your credit limit. The amount you can spend over your credit limit will adjust based on your credit, usage, payment history, and financial resources. You can also enjoy a 0% APR on purchases for the first 12 months and earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first three months of card ownership. This card is among our recommendations for the best small business credit cards. Capital One® Spark® Miles Select for Business: Best for Earning Travel Rewards Why we like it: The is best for sole proprietors who travel frequently and is our leading travel business card. You can earn unlimited 1.5x miles on all business-related purchases and redeem them to book flights, rent cars, and pay for hotel stays. You can also use your rewards for past travel purchases within 90 days of the date of the travel purchase. Moreover, Capital One allows you to transfer your miles to any of its travel partners. Because of its simple rewards program, it’s also among our top business credit cards for miles. Cardholders can also enjoy other travel benefits, such as roadside assistance services and zero foreign transaction fees on purchases made outside of the US. Plus, you can take advantage of 0% APR on purchases for the first nine months of card ownership. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Starting APR Why we like it: If your business needs to carry a balance, the is your best choice because it offers the lowest starting APR on our list. Plus, you can enjoy 0% financing on purchases for the first nine billing cycles. You also get unlimited 1.5% cash back on all eligible business purchases and earn $400 if you spend $3,000 in qualifying purchases within the first three months of opening an account. What’s more, it comes with no annual fee, allowing you to save on costs. It’s one of our leading cash back business credit cards because of its low APR and fixed-rate rewards. Chase Ink Business Cash®: Best for Office-Based Sole Proprietors Why we like it: If your office expenses include internet, phone, and office supplies, you’ll get an impressive 5% cash back on up to $25,000 per year for these purchases with the . You’ll also get 2% cash back on the first $25,000 spent at gas stations and restaurants and 1% cash back on all other purchases. It’s our best business credit card for startups. Similar to the Chase Ink Business Unlimited® card, this offers a $900 cash back bonus after spending $6,000 in the first three months. It also has no annual fee and a low ongoing APR. If you plan to make a large purchase, you’ll enjoy zero-interest financing for the first 12 months. Note that this introductory rate isn’t applicable to balance transfer transactions. Wells Fargo Business Platinum Credit Card: Best for Flexible Rewards Why we like it: The allows you to pick your preferred rewards program. You can choose between earning 1.5% cash back or 1x point for every dollar spent on all purchases, regardless of spending categories. It also offers $300 cash back or 30,000 bonus points when you spend at least $3,000 in qualifying purchases in the first three months. Its rewards flexibility is  one reason it made our list of the top-recommended credit cards for the self-employed. If you opt for points, you’ll receive 1,000 bonus points when you spend $1,000 or more in any monthly billing period. There’s no annual fee, and you can enjoy a 0% introductory rate for nine months on both purchases and balance transfers. You can also use this card for travel abroad as it doesn’t charge foreign transaction fees. And if you don’t want your business card transactions to affect your personal credit, this card would make a great option, as it’s our top choice for business credit cards that don’t report to personal credit bureaus. Note, however, that Wells Fargo reports your payment history to business credit bureaus. How We Selected Sole Proprietor Business Credit Cards When choosing the best business credit cards for sole proprietors, we looked for cards with the most flexibility for a variety of purchases. We also looked at low interest rates and fees, introductory bonuses, rewards, and the ability to build business credit. Bottom Line The best credit card for sole proprietors should suit your spending style. Maximizing the 0% APR period and earning introductory and ongoing bonus rewards will help save more money for your business in the long run. Also, choose a card that can help build your business credit as this will be useful when you need to qualify for other business financing options in the future.

The Capital One® Spark® Miles for Business is an excellent travel credit card with a low annual fee of $95, which is waived for the first year. It offers unlimited 2x miles on every business-related purchase, which you can redeem for flights, hotels, and vacation packages. You can also transfer miles to any of its travel partners. While it has no balance transfer and foreign transaction fees, it doesn’t come with an interest-free financing period. If you wish to compare one card over another, simply choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who Capital One® Spark® Miles for Business Is Best For Business owners who prefer a fixed-rate rewards card: With , you’ll earn unlimited 2x miles on all spending for a low annual fee. This makes it an excellent choice for business owners who don’t want to keep track of bonus category spending. It’s no surprise that this card is our top pick for best business credit cards for miles. Business owners who frequently travel for business: This Capital One travel rewards card allows you to use your miles on flights, hotels, vacation packages, and more. This makes it one of our top choices for the best business credit card for travel. If this travel business credit card isn’t a good fit for your business, you may head over to our recommended alternatives to find other options. Capital One® Spark® Miles for Business Fees APR Introductory APR: None Ongoing APR in purchases and balance transfers: 23.99% variable, which changes with the Prime rate Cash advance APR: 29.99% variable, which changes with the Prime rate Penalty APR: 32.4% variable, which changes with the Prime rate—will be applied to your account if you make a late payment. Fees Annual fee: $95, which is waived the first year Balance transfer fee: None Foreign transaction fee: None Cash advance fee: $3 or 3%, whichever is greater Late payment fee: Up to $39 How To Make Payments on the Capital One® Spark® Miles for Business Via phone: Call the number on the back of your card. Via AutoPay: Set up AutoPay online to make automatic monthly payments. There are three options: minimum payment, which varies every month, the balance amount indicated on your monthly statement, or a fixed monthly payment, with a minimum monthly fixed amount of $35. Via mobile app: Download the Capital One iOS or Android app, log in to your account, select your card, and tap “Make a payment” At a Capital One branch: Visit a Capital One branch during normal business hours and pay your credit card bill. Via mail: Send a check or money order to: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083 Make sure to include your credit card number on your payment to avoid processing delays. Capital One® Spark® Miles for Business Rewards 50,000 one-time bonus miles when you spend $4,500 on purchases within the first three months after opening an account Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem 5x miles on hotels and rental cars booked through Capital One Travel You can redeem your rewards for new travel reservations and past travel purchases, which should be made within 90 days from the date of your purchase. You can also redeem your rewards as cash back in the form of a statement credit, check by mail, or as gift cards at restaurants, retailers, or hotels. Automatic redemption is also available at a set time each calendar year or when a threshold has been reached. Your rewards may be worth more in travel when you transfer to one of Capital One’s partners. You can transfer your miles to select loyalty programs to any of Capital One’s over 15 travel partners, including Air Canada, JetBlue, Aeromexico, Emirates Skywards, Qantas, and Qatar Airways. Capital One® Spark® Miles for Business Additional Features Cash Management Payment Flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay. Year-end Summaries: You’ll receive an itemized report of what you have spent within the past year to simplify budgeting and tax times. Employee Cards: Not only does Capital One give your employees their own cards for free, but you can also track their spending, earn all their rewards from their purchases, and set a customized spending limit for each issued employee card. Travel Benefits Global Entry or TSA PreCheck®: Use your credit card to receive up to $100 credit for Global Entry or TSA PreCheck®. To qualify, you must either complete the Global Entry application and pay a $100 application fee or complete the TSA PreCheck® application and pay an $85 application fee. Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options. Protection Coverage Extended warranty: Get free additional warranty and protection on eligible items that you purchase with your Capital One credit card. $0 Fraud Liability: You won’t be liable for any fraudulent charges on your account; plus, you can get an emergency card replacement in case your card is lost or stolen. Fraud and security alerts: Capital One will notify you via email or text message alert if a potential mistake or suspicious transaction is detected on your account. Capital One® Spark® Miles for Business Alternatives American Express Business Platinum Card® is an excellent option if you travel frequently, want premium rewards and perks, and can pay your balance in full every month Lets you earn premium rewards on flights and prepaid hotels on Offers premium travel perks like access to over 1,400 airport lounges across the globe Is our top pick for the best business credit cards with airport lounge access U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is best for business owners who need interest-free financing and no annual fees Offers an introductory APR of 0% on both purchases and balance transfers for the first 15 billing cycles Lets you earn 3% cash back on eligible net purchases on gas stations, office supply stores, restaurants, and cell phone service providers Is our top-recommended small business fuel card, and one of our best business credit cards for balance transfers and leading business credit cards with 0% APR Chase Ink Business Unlimited® is designed for those who want a simple rewards program Offers unlimited 1.5% fixed rate cash back for every dollar spent on any business purchase, regardless of the spend category Lets you earn a welcome bonus of $750 cash back after spending $7,500 worth of purchases within the first three months after opening an account Is among our top choices for best business credit cards with no annual fee Bottom Line The  is best for business owners who prefer to earn fixed-rate travel rewards for all business-related purchases at a low annual fee. It’s an ideal fit if you travel for business often because it has no foreign transaction fees and you can redeem your miles for travel. Keep in mind, however, that it doesn’t offer interest-free financing. If this isn’t what you’re looking for, check out our list of the top credit cards to find other cards that may be a better fit. You may also visit our Credit Card Marketplace and our guide to the best Capital One business credit cards for more alternatives.