10 Best Credit Cards for Self-employed in 2023

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

See Rates & Fees

Why we like it: The American Express Blue Business Cash^TM Card is our choice for the best overall business credit card for self-employed individuals because of its flexibility and simple rewards program. It features expanded buying power, allowing you to spend beyond your credit limit. The amount adjusts to your usage, payment history, credit record, and financial resources.

What’s more, you’ll receive 2% cash back on all eligible purchases, regardless of spending categories, up to $50,000 per calendar year; then 1% cash back thereafter. There’s no minimum reward amount to redeem, and cash back is credited to your statement automatically. However, a cash advance is not allowed, so if you need to take out a cash advance from time to time, this card is not a good fit.

Other benefits:

Sign-up bonus: 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.
No annual fee: Reduce overall credit costs while earning fixed-rate rewards.

The American Express Blue Business Cash^TM Card is also our best cash back business credit card because of its simple cash back rewards program and flexible credit limit.

Chase Ink Business Cash®: Best for Self-employed With Home Offices

Why we like it: The Chase Ink Business Cash® 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.

Other benefits:

Sign-up bonus: Receive $750 cash back after spending $6,000 in the first three months.
0% APR: Enjoy a 0% introductory APR on purchases for the first 12 months after the account is opened. However, this promotional rate does not apply to balance transfers.
Flexible redemption options: Redeem rewards for cash back, gift cards, travel, and select merchandise through Chase Ultimate Rewards®.

The Chase Ink Business Cash® card is also our overall best credit card for startups because of its lucrative rewards and flexible redemption options. The 0% APR, no annual fee, and free employee cards are other reasons this card is great for startups.

Chase Ink Business Unlimited®: Best for Self-employed With No Business Credit History

Ink Business Unlimited® Credit Card

BEST FOR:

Pocketing 1.5% cash back on every single purchase

on Ink Business Unlimited® Credit Card's secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

17.99% - 23.99% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

Intro APR

0% Intro APR on Purchases

Regular APR

17.99% - 23.99% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

Why we like it: If you don’t have a business credit history, the Chase Ink Business Unlimited® is one of your best bets, as it only checks your personal credit score as a qualification requirement. Its straightforward rewards program allows you to earn unlimited 1.5% fixed-rate cash back on all purchases regardless of expense categories.

On top of that, it doesn’t charge an annual fee, allowing you to save on overall credit costs. You can redeem your rewards as a statement credit or for gift cards, travel, and merchandise through Chase Ultimate Rewards®.

Other benefits:

Sign-up bonus: Earn a sign-up bonus of $750 when you spend $6,000 within the first three months
No expiry on rewards: Your rewards don’t expire as long as your account remains open and in good standing.
0% APR on purchases: Take advantage of interest-free financing on purchases for the first 12 months of card ownership. Note that this does not apply to balance transfers.

The Chase Ink Business Unlimited® is our number one pick for the leading small business credit cards and best business credit cards for new businesses with no credit history because of its easy rewards program and other card benefits.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Self-employed Who Travel Frequently

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

BEST FOR:

Earning top rewards on travel purchases booked through Bank of America Travel Center

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

Why we like it: If you travel for business frequently, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®. 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 $1 spent on all other purchases.

You can 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, it charges no annual or foreign transaction fees.

Other benefits:

Boost rewards: Earn up to 75% more points on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business. Read our Bank of America business checking account review for more information.
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: Make large purchases and enjoy 0% APR for the first nine billing cycles after opening an account. Keep in mind that the introductory APR does not apply to balance transfers.

The Bank of America® Business Advantage Travel Rewards World Mastercard® was named as one of our best business credit cards for travel because it comes with a low starting APR, a simple rewards program, and no annual or foreign transaction fees.

Capital One® Spark® Cash Select Good Credit: Best for Self-employed Individuals With Good Credit

Capital One® Spark® Cash Select Good Credit

BEST FOR:

Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards

On Capital One's Secure Website

Intro APR

Regular APR

20.74%, 25.74%, or 28.74% variable

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual, balance transfer, and foreign transaction fees
With intro 0% APR on purchases
Free employee cards

Cons

No intro 0% APR on balance transfers
No sign-up bonus for their new cardholders
With high cash advance and penalty APRs

Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®

Intro APR

Regular APR

20.74%, 25.74%, or 28.74% variable

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual, balance transfer, and foreign transaction fees
With intro 0% APR on purchases
Free employee cards

Cons

No intro 0% APR on balance transfers
No sign-up bonus for their new cardholders
With high cash advance and penalty APRs

Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®

Why we like it: If you have good credit, the Capital One® Spark® Cash Select Good Credit 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. Keep in mind, however, that, unlike most small business credit cards in this list, this card does not offer sign-up bonuses.

Other benefits:

0% APR: Take advantage of the 0% introductory APR on purchases for 12 months. However, this does not apply to balance transfers.
Reduced credit cost: Minimize your credit cost with this card because it does not charge annual, balance transfer, or foreign transaction fees.

The Capital One® Spark® Cash Select Good Credit card is also part of our top-recommended business credit cards for consultants because of its easy rewards program, flexible redemption options, and reduced overall credit cost.

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for 0% APR for 15 Months & Up to 5% Cash Back

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

BEST FOR:

0% APR for 15 billing cycles

On US Bank's Secure Website

Intro APR

0% for first 15 billing cycles

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone service providers, and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
No limit on total cash back earned.
Rewards never expire
Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.99% to 25.99%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No annual fee

Cons

Balance transfer fee is charged even during the introductory period
Intro APR doesn’t apply to cash advances

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

See Rates
& Fees

Intro APR

0% for first 15 billing cycles

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone service providers, and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
No limit on total cash back earned.
Rewards never expire
Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.99% to 25.99%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No annual fee

Cons

Balance transfer fee is charged even during the introductory period
Intro APR doesn’t apply to cash advances

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

See Rates and Fees

Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard has no annual fee, and it’s best for those needing to make a significant purchase or transfer a balance from a high-interest credit card. It offers 0% APR on both balance transfer and purchase transactions for the first 15 months of card ownership.

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. Note that even during the introductory 0% APR period on balance transfers, a balance transfer fee of 3% or a minimum of $5 is charged.

Other benefits:

Lucrative rewards: Earn generous rewards on your frequent purchases, including:
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and EV charging stations, restaurants, office supply stores, and cell phone service providers
- 1% cash back on all other purchases
Sign-up bonus: Spend $4,500 within the first 150 days of opening your account and receive $500 cash back.
Annual software subscription credit: Receive an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard is our best fuel business credit card because of its generous rewards on gas purchases. It is also part of our top-ranking business credit cards for balance transfers because of its long 0% APR introductory period on balance transfers and lucrative sign-up bonus.

Chase Ink Business Premier^SM: Best for Frequent Large Purchases

Ink Business Premier℠ Credit Card

BEST FOR:

Those who frequently make large purchases

on Ink Business Premier℠ Credit Card's secure website.

Intro APR

None

Regular APR

Flex for Business Variable APR: 19.24% - 27.24%

Annual Fee

$195

Credit Needed

Good to Excellent

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Pros

Offers premium rewards for new and existing cardholders
Does not charge foreign transaction fees
Has the option to pay for qualifying purchases in installments through Flex for Business

Cons

Does not have interest-free financing option on both purchases and balance transfers
Charges a high annual fee of $195
Requires for you to pay in full each month
Need to make large purchases within a short period of time to qualify for its sign up bonus

Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.

Intro APR

None

Regular APR

Flex for Business Variable APR: 19.24% - 27.24%

Annual Fee

$195

Credit Needed

Good to Excellent

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Pros

Offers premium rewards for new and existing cardholders
Does not charge foreign transaction fees
Has the option to pay for qualifying purchases in installments through Flex for Business

Cons

Does not have interest-free financing option on both purchases and balance transfers
Charges a high annual fee of $195
Requires for you to pay in full each month
Need to make large purchases within a short period of time to qualify for its sign up bonus

Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.

Why we like it: If you are a contractor and need to make large purchases frequently, you can benefit from the Chase Ink Business Premier^SM card’s premium rewards. You can earn 2.5% cash back on every purchase of $5,000 or more, which is equivalent to $250 for a purchase of $10,000 when redeemed. Plus, you’ll get 5% cash back on travel purchased through Chase Ultimate Rewards and 2% cash back on all other purchases.

It’s important to note that it comes with an annual fee of $195. Also, it is a charge card, and you may pay your balance in full each month to have access to increased spending power and rich rewards. The good news is that it features a Flex for Business payment option, which allows you to carry a balance on eligible purchases with APR—up to your Flex for Business limit.

Other benefits:

Sign-up bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first three months after opening an account
Flexible redemption options: Redeem your rewards for cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®.
Rewards have no expiry: Earn unlimited rewards that don’t expire as long as your account is open and in good standing.
No foreign transaction fee: Use the card for international purchases without having to pay additional fees.

Chase Ink Business Premier^SM card is also one of our top business credit card recommendations for nonprofits because of its generous rewards on large purchases.

Amazon Business Prime American Express Card: Best for Recurring Amazon Purchases

Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates
& Fees

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates & Fees

Why we like it: If you regularly make business purchases through Amazon, you could benefit from the Amazon Business Prime American Express Card. However, only Amazon Prime members are eligible for the card. It has no annual fee outside of the Business Prime membership fee.

You 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. Keep in mind that unless you choose the 90-day interest-free term, this card does not offer a 0% introductory APR on regular purchases.

Other benefits:

Sign-up bonus: Get a $125 Amazon.com gift card upon approval for the Amazon Business Prime American Express Card—no minimum purchase required.
Rewards on other purchases: Earn 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers, and 1% back on all other purchases.
No foreign transaction fees: Use your card for international purchases and pay no foreign transaction fee.

The Amazon Business Prime American Express Card is our leading Amazon business credit card because of its easy sign-up bonus and high cash back option.

Capital One® Spark® Classic: Best for Self-employed With Fair Credit

Capital One® Spark® Classic for Business

BEST FOR:

Those with fair credit

on Capital One® Spark® Classic for Business's secure website.

Intro APR

N/A

Regular APR

29.99% (Variable)

Annual Fee

Credit Needed

Fair

1% cash back every time you swipe
Build your business credit through responsible usage
Issue employee cards for free

Pros

Opportunity to build business credit
Only requires fair credit to qualify
Doesn’t charge annual and balance transfer fees

Cons

Charges high ongoing APR
Has no 0% introductory APR
No sign-up bonus

Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
$0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.

Intro APR

N/A

Regular APR

29.99% (Variable)

Annual Fee

Credit Needed

Fair

1% cash back every time you swipe
Build your business credit through responsible usage
Issue employee cards for free

Pros

Opportunity to build business credit
Only requires fair credit to qualify
Doesn’t charge annual and balance transfer fees

Cons

Charges high ongoing APR
Has no 0% introductory APR
No sign-up bonus

Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
$0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.

Why we like it: The Capital One® Spark® Classic for Business credit card is best for self-employed individuals with fair credit, with personal credit scores between 580 and 669. It doesn’t have an annual fee, and you can earn 5% cash back on hotels and rental cars booked through Capital One Travel, and 1% cash back on all other purchases.

When used responsibly, this unsecured business credit card can help you build or improve your credit. However, this card comes with a high ongoing APR, so it’s best to pay your balance in full each month to avoid paying high interest. Moreover, it doesn’t offer a sign-up bonus and a 0% introductory APR.

Other benefits:

Rewards have no expiry: 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.
Flexible redemption options: Redeem your cash back as a statement credit or through a check sent by mail, or use your rewards as gift cards at restaurants, retailers, hotels.

The Capital One® Spark® Classic for Business credit card is our best overall business credit card for fair credit because it can help build and strengthen your credit with responsible use, allowing you to qualify for another business credit card with lower APR and better terms.

PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR

PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders wanting to earn fixed-rate rewards

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

15.99% to 24.99% variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.

Intro APR

0% for 9 billing cycles

Regular APR

15.99% to 24.99% variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.