9 Best Business Credit Cards for the Self-employed in 2022

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

Intro APR

0% on purchases

Regular APR

13.99% - 21.99% 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 American Express and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, 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.

Intro APR

0% on purchases

Regular APR

13.99% - 21.99% 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 American Express and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, 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 business owners. This no-annual-fee card keeps things simple by offering 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. This card features expanded buying power that allows you to spend beyond your credit limit. The amount adjusts with your usage, payment history, credit record, and financial resources.

Other things you need to know about the American Express Blue Business Cash^TM 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: This card offers 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.

The American Express Blue Business Cash^TM Card is named one of the best small business credit cards because of its simple cash back rewards program.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 0% Introductory APR

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

14.74% - 23.74% (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 EV 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 purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 14.24% to 23.24%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
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 1 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.

Intro APR

0% for first 15 billing cycles

Regular APR

14.74% - 23.74% (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 EV 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 purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 14.24% to 23.24%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
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 1 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® is a no-annual-fee credit card that’s best for those who need to make a large purchase or transfer a substantial balance from another credit card. This card offers a 0% introductory APR 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.
Unlimited cash back: You can earn 3% cash back on eligible purchases at gas stations, office supply stores, restaurants, and cellphone service providers, and 1% cash back on all other purchases.
Balance transfer fee: A balance transfer fee of 3% or a minimum of $5 is charged even during the introductory period

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is also part of the best business credit card for balance transfer because of its long 0% APR introductory period on balance transfers and lucrative sign-up bonus.

American Express Blue Business® Plus: Best for Points-based Rewards

The Blue Business® Plus Credit Card from American Express

BEST FOR:

Pocketing 2x points per $1 and 0% introductory APR for 12 months

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

13.99% - 21.99% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 American Express, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

Intro APR

0% on purchases

Regular APR

13.99% - 21.99% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 American Express, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

See Rates and Fees

Why we like it: While most of the cards on this list offer cash back rewards, the American Express Blue Business® Plus offers points-based rewards that can be redeemed for a variety of high-quality merchandise from American Express. This card comes with no annual fee and a low APR. The introductory bonus gives you 15,000 points after you spend at least $3,000 in the first three months.

Below are the other things you need to know about the American Express Blue Business® Plus:

Expanded buying power: This card allows you to go over your credit limit based on your credit usage, payment history, and credit.
0% APR: You can enjoy zero-interest financing on purchases for 12 months.
Cash advances aren’t allowed: This card may not be a good option if you plan to take out a cash advance.

The American Express Blue Business® Plus is also part of our list of the best credit cards for new businesses with no credit history because of its flexible points rewards. You can use your points to purchase hundreds of technology, sports, game, fashion, home, and office products. You can also use your points to support other small businesses.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Frequent Travelers

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

BEST FOR:

Earning top rewards on travel purchases booked through Bank of America

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

Intro APR

0%
9 billing cycles

Regular APR

12.24% - 22.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first nine billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

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: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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

12.24% - 22.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening, which can be redeemed for a $300 statement credit toward travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time―no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases like car, hotel, and airline booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first nine billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

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: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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 often for business, you can earn 3x points for every $1 spent on flights, rental cars, and hotels booked through the Bank of America Travel Center when you use the Bank of America® Business Advantage Travel Rewards World Mastercard®. 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. This card 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 from opening an account. This is equivalent to a $300 credit toward travel.
Redemption options: You can redeem your points for travel or travel credits. You can also redeem for cash back in the form of a statement credit, a deposit into your Bank of America deposit account, or check by mail.
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.

The Bank of America® Business Advantage Travel Rewards World Mastercard® was named as one of the best business credit cards for travel because it comes with fewer fees. Additionally, this card has no annual fees and foreign transaction fees.

Chase Ink Business Cash®: Best for Home Offices

Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

13.49% - 19.49% Variable

Annual Fee

Credit Needed

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

13.49% - 19.49% Variable

Annual Fee

Credit Needed

Good, Excellent

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.

Why we like it: The Chase Ink Business Cash^SM card may be a good fit for self-employed individuals who work from a home office. This card 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 $750 cash back after spending $7,500 in the first three months.

Other things you should know about the Chase Ink Business Cash^SM card include the following:

0% APR: You can 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 companies: This card is beneficial if you have significant expenses on office supplies. However, if you operate online and don’t need office supplies, you won’t be able to take advantage of the high cash back rate.
Redemption options: You can redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®.

The Chase Ink Business Cash^SM card is named as the 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 the other reasons this card is great for startup businesses.

Discover it® Cash Back: Best for Double Cash Rewards for the First Year

Discover it® Cash Back

BEST FOR:

Double cash back on the first year’s purchases

On Discover's Secure Website

Intro APR

Regular APR

12.24% - 23.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon, and more, up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases—automatically.
We'll match all the cash back you've earned at the end of your first year automatically. There's no signing up and no limit to how much we'll match.

Pros

Excellent rewards rate on rotating bonus categories
Double the highest rate for the first 12 months
0% APR period that’s longer than most cards

Cons

Cardholders must enroll each quarter
Bonus rewards are capped at $1,500 each quarter
No purchase protection or extended warranty protection

Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
Late fee waiver: You won’t pay a late fee the first time your payment is late. Late fees are up to $39 thereafter.

Intro APR

Regular APR

12.24% - 23.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon, and more, up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases—automatically.
We'll match all the cash back you've earned at the end of your first year automatically. There's no signing up and no limit to how much we'll match.

Pros

Excellent rewards rate on rotating bonus categories
Double the highest rate for the first 12 months
0% APR period that’s longer than most cards

Cons

Cardholders must enroll each quarter
Bonus rewards are capped at $1,500 each quarter
No purchase protection or extended warranty protection

Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
Late fee waiver: You won’t pay a late fee the first time your payment is late. Late fees are up to $39 thereafter.

Why we like it: While the Discover it® Cash Back card is a personal credit card and not a business credit card, it has one of the most generous rewards programs available. You’ll get an unlimited 2x cash back match of all the cash back you’ve earned by the end of your first year. You’ll also earn 5% cash back in rotating categories for each quarter and 1% cash back on all other purchases. It comes with no annual fee and low ongoing APR.

Below are the things you should know about the Discover it® Cash Back card:

Premium rewards on revolving categories: The Discover it® Cash Back card offers premium rewards on revolving categories for each quarter. For example, you can earn 5% cash back at restaurants and PayPal on up to $1,500 in purchases from July 2022 to September 2022. Then, from October 2022 to December 2022, you’ll earn premium cash back on Amazon.com and digital wallets on up to $1,500 in purchases. Keep in mind that you need to activate your bonus rewards every quarter to be eligible for 5% cash back on the rotating categories.
0% APR: You can enjoy interest-free financing on both purchases and balance transfers for the first 15 months after opening an account.
No purchase protection or extended warranties: Unlike most business credit cards on this list, the Discover it® Cash Back credit card doesn’t offer purchase protection or extended warranties.

The Discover it® Cash Back card made it to our list of the best 0% APR business credit cards because of its long introductory APR period on both purchases and balance transfers. It also offers substantial rewards and charges no annual fee.

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

14.99% - 22.99% 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.

Intro APR

N/A

Regular APR

14.99% - 22.99% 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 significantly benefit from the Amazon Business Prime American Express Card. There’s 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 U.S. 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% back thereafter.

Some things you should know about the Amazon Business Prime American Express Card are:

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

The Amazon Business Prime American Express Card is one of the best Amazon business credit cards because of its easy sign-up bonus and high cash back option. This is best for self-employed business owners who make frequent Amazon purchases.

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

On Capital One's Secure Website

Intro APR

Regular APR

15.99% to 23.99%

Annual Fee

Credit Needed

Good

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.

Pros

No annual fee
Ability to finance purchases with 0% APR for 12 months
Free employee cards

Cons

0% APR doesn’t apply to balance transfers
No sign-up bonus
Cash back rewards aren’t competitive

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
Roadside assistance: Services such as jump-starting, tire changing, and towing

Intro APR

Regular APR

15.99% to 23.99%

Annual Fee

Credit Needed

Good

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Enjoy a $0 annual fee in addition to the big rewards and cash bonus you can earn.

Pros

No annual fee
Ability to finance purchases with 0% APR for 12 months
Free employee cards

Cons

0% APR doesn’t apply to balance transfers
No sign-up bonus
Cash back rewards aren’t competitive

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen card plus a cash advance
Roadside assistance: Services such as jump-starting, tire changing, and towing

Why we like it: If you have good credit, the Capital One® Spark® Cash Select Good Credit card is an excellent option. This card 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.

The Capital One® Spark® Cash Select Good Credit card is also part of the best business credit cards with no annual fee because of its easy reward program, flexible redemption options, and reduced overall credit cost.

Wells Fargo Business Platinum Credit Card: Best for Self-employed Individuals With Monthly Expenses of at Least $1,000

Wells Fargo Business Platinum Credit Card

BEST FOR:

Choosing cash back or points rewards with no annual fee

On Wells Fargo's Secure Website

Intro APR

Regular APR

12.74% - 22.74% Variable

Annual Fee

Credit Needed

Excellent

Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
No annual card fee, plus up to 99 employee cards (no additional fee)
Cash management tools
Spending reports available online
Online banking and bill payment options

Pros

Excellent introductory bonus offer
No-interest financing period
Ongoing bonus rewards for meeting monthly spending requirements
Register employee cards with no additional fees

Cons

Low ongoing rewards
Airline ticket redemption fees
Points have an expiration

Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.

Intro APR

Regular APR

12.74% - 22.74% Variable

Annual Fee

Credit Needed

Excellent

Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
No annual card fee, plus up to 99 employee cards (no additional fee)
Cash management tools
Spending reports available online
Online banking and bill payment options

Pros

Excellent introductory bonus offer
No-interest financing period
Ongoing bonus rewards for meeting monthly spending requirements
Register employee cards with no additional fees

Cons

Low ongoing rewards
Airline ticket redemption fees
Points have an expiration

Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.