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For small businesses looking for a credit card to help finance business purchases, there is a wide variety to choose from. The best small business credit cards offer features that are valuable to your business, like ongoing rewards, low fees, interest-free financing options, and other benefits. When deciding on what card is best for you, consider which might benefit you the most in terms of credit limits, bonuses, credit score requirements, and credit-building abilities.
Here are the 12 best credit cards for small businesses:
- American Express Blue Business CashTM: Overall best small business credit card for cash back and expanded buying power
- Chase Ink Business Unlimited®: Best for lucrative welcome offer and fixed-rate cash back rewards
- Ramp Card: Best corporate charge card with fixed-rate cash back and high credit limits
- American Express Business Platinum Card®: Best for flexible spending limit and premium travel perks
- Chase Ink Business Cash®: Best for earning premium rewards on office supplies, internet, cable, and phone
- Coast Fuel Card: Best for fleets and significant fuel expenses
- Capital One Spark Cash Select: Best for business owners who want simple, unlimited cash back on every purchase with no annual fee
- U.S. Bank Business Triple Cash Rewards Visa® Business Card: Best for 12-month 0% APR and up to 5% cash back
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for earning points rewards, and access to travel perks
- Emburse Spend Card: Best prepaid card with $0 annual or monthly fees
- Rippling Spend Credit Card: Best for custom card policies, robust control, and cash back
- Valley Visa® Secured Business Credit Card: Best for rebuilding credit with 0% APR and fixed-rate cash back
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the best small business credit cards in 2025
Best for | Annual fee | Welcome offer | Ongoing rewards | ||
|---|---|---|---|---|---|
 American Express Blue Business CashTM | Cash back and expanded buying power | $0 | $250 statement credit | Up to 2% cash back | |
 Chase Ink Business Unlimited® | Lucrative welcome offer and fixed-rate cash back rewards | $0 | Earn $750 bonus cash back | Up to 1.5% cash back | |
 Ramp Card | Corporate charge card with fixed-rate cash back and high credit limits | $0 | None | Varies | |
 American Express Business Platinum Card® | Flexible spending limit and premium travel perks | $895 | 200,000 bonus points | Up to 5× points | |
 Chase Ink Business Cash® | Earning premium rewards on office supplies, internet, cable, and phone | $0 | Earn $750 bonus cash back | Up to 5% cash back |
|
 Coast Fuel Card | Fleets and significant fuel expenses | None, only $4 per active user, per month | None | 1% cash back | |
 Amazon Business Prime American Express Card | Frequent Amazon purchases | $0 | $125 Amazon.com gift | Up to 5% cash back | |
 Capital One Spark Cash Select | Business owners who want simple, unlimited cash back on every purchase with no annual fee | $0 | $750 cash back | Unlimited 1.5% cash back | |
 U.S. Bank Triple Cash Rewards Visa® Business Card | 12-month 0% APR and up to 5% cash back | $0 | $500 cash back | Up to 5% cash back | |
 U.S. Bank Business Altitude® Connect Visa Signature® Card | Earning points rewards and access to travel perks | $95; waived for the first year | 60,000 bonus points | Up to 5× points | |
 Emburse Spend Card | Prepaid card with $0 annual or monthly fees | $0 | None | Unlimited 1% cash back | |
 Rippling Spend Credit Card | Custom card policies, robust control, and cash back | $0 | None | From 1.75% cash back | |
 Valley Visa® Secured Business Credit Card | Rebuilding credit with 0% APR and fixed-rate cash back | $0 | None | 1% cash back |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards. You can compare up to three credit cards on this page or a card here against other cards on our site.
American Express Blue Business CashTM: Overall best small business credit card for cash back & expanded buying power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
16.74% - 28.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
16.74% - 28.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. 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*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why I like it
This card stands out for its straightforward approach to earning cash back and its simple rewards structure. It allows cardholders to earn rewards on everyday business purchases without the need to track spending categories or manage point conversions. Cash back is automatically applied as a statement credit, making rewards easy to use and manage.
It also includes the Expanded Buying Power feature, which lets qualified cardholders spend beyond their credit limit based on factors such as credit history, payment behavior, and account activity. This flexibility makes it a strong choice for small business owners who need reliable purchasing power and predictable rewards.
- 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met.
- $250 statement credit after spending $3,000 in purchases within the first three months of account opening
- 0% APR on purchases for the first 12 months after opening an account
- $0 annual fee
Because of its simplicity and flexibility, it also makes our list as one of the leading business cards for cash back.
Ink Business Unlimited®: Best for lucrative welcome offer and fixed-rate cash back rewards
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases for 12 months
Regular APR
16.99% - 24.99% Variable
Annual Fee
$0
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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- 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 for 12 months
Regular APR
16.99% - 24.99% Variable
Annual Fee
$0
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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- 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 I like it
The Ink Business Unlimited® Credit Card stands out for its simplicity and consistent value. It offers a flat cash back rate on every purchase, allowing business owners to earn rewards without worrying about rotating categories or spending limits.
Its straightforward structure makes it easy to manage across all types of business expenses, from office supplies to travel. With no annual fee and valuable built-in protections and management tools, it’s a dependable choice for everyday business use.
This card is particularly well-suited for small business owners who prefer predictable rewards, clear terms, and a flexible redemption program that fits a variety of spending needs.
- Unlimited 1.5% cash back on all purchases
- Multiple redemption options that allow you to redeem cash back as statement credits, or for gift cards, Apple products, travel, and more through Chase Ultimate Rewards®
- 0% APR on purchases for the first 12 months of card ownership
- $0 annual fee
Because of the card’s straightforward rewards program and other benefits, it is one of our top sole proprietorship business cards.
Ramp Card: Best corporate charge card with fixed-rate cash back & high credit limits
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why I like it
The Ramp Card is a strong choice for businesses that want to combine high spending power with complete expense control. It operates as a corporate charge card built for modern finance teams, removing the need for a personal guarantee and helping businesses build their own credit profile.
Ramp’s integrated platform allows you to issue unlimited virtual and physical cards, set custom spending limits, and enforce company policies automatically. It also includes built-in tools for tracking transactions, automating receipt collection, and syncing with popular accounting software.
With no annual fee, the Ramp Card delivers flexibility, transparency, and efficiency for business owners who want to simplify financial operations and maximize savings.
Ramp automatically identifies opportunities to save your business money by tracking spending patterns and highlighting potential vendor discounts and redundant subscriptions. The platform also provides access to exclusive partner rebates and negotiated savings on software, travel, and business services.
Ramp’s built-in cost optimization tools can help businesses reduce expenses and improve margins with every purchase.
- Up to $350,000 in savings from partner rebates offered by Ramp
- No personal credit check
- No personal guarantee required
- Virtual and physical cards at no additional cost
It leads our list of the best corporate cards because of its straightforward rewards and high credit limit.
American Express Business Platinum Card®: Best for flexible spending limit & premium travel perks
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
17.74% - 28.49% Variable
Annual Fee
$895
Credit Needed
Excellent, Good
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $150 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Intro APR
N/A
Regular APR
17.74% - 28.49% Variable
Annual Fee
$895
Credit Needed
Excellent, Good
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
Pros
- Premium travel rewards
- Complimentary access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $150 in statement credits annually for Dell purchases.
(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)
Why I like it
This card is an excellent choice for business owners who travel frequently and want access to premium travel benefits. It provides entry to more than 1,500 airport lounges worldwide through The Global Lounge Collection®, offering comfort and convenience during long layovers or business trips.
Cardholders also receive valuable travel perks, including up to $200 in annual airline fee credits, a $209 credit for CLEAR® Plus to expedite airport security, and automatic Marriott Bonvoy® Gold Elite status for enhanced hotel experiences. The card’s flexible spending limit, which adjusts based on purchasing behavior and account history, makes it well-suited for companies with variable travel and expense needs.
- 5× Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 2× Membership Rewards® points on eligible purchases in key business categories or purchases of $5,000 or more
- 1× Membership Rewards® points on all other eligible purchases
- 200,000 Membership Rewards® after spending $20,000 on eligible purchases within the first three months of account opening
- Over $3,500 in statement credits with business and travel benefits annually after meeting qualifying spend thresholds
- Fine Hotels + Resorts® that let you save an average of $600 in perks
It is our top business card with airport lounge access because of its luxury travel perks.
Ink Business Cash®: Best for earning premium rewards on office supplies, internet, cable & phone
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
16.99% - 24.99% Variable
Annual Fee
annual_fees
Credit Needed
- Earn up to $750 when you spend $6,000 on purchases in the first three months after 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 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- 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 three years or fewer.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
16.99% - 24.99% Variable
Annual Fee
annual_fees
Credit Needed
- Earn up to $750 when you spend $6,000 on purchases in the first three months after 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 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- 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 three years or fewer.
Why I like it
The Ink Business Cash® Credit Card is a strong option for small businesses that spend regularly on everyday essentials. It offers higher cash back rates in common categories such as office supplies, internet, cable, and phone services, helping you save on the purchases your business makes most often.
Its practical rewards structure makes it especially valuable for companies that manage recurring operational expenses. The card also includes a low introductory APR period on purchases, providing additional flexibility for managing short-term cash flow.
With no annual fee and straightforward redemption options, it is a dependable choice for business owners who want consistent rewards and simple expense management.
- 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
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back after the cap is met
- Flexible redemption options that allow you to use your rewards for cash back, gift cards, travel, and even Apple®products
The benefits above are a few of the reasons why this card earned a spot in our roundup of the best business cards for consultants.
Coast Fuel Card: Best for fleets & significant fuel expenses
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 9 cents off on every gallon on your statement
- 1% back on nonfuel purchases
Pros
- Is a universally accepted fleet card
- Offers 1% cash back on nonfuel purchases
- Doesn’t require a personal guarantee
Cons
- Charges monthly fees to active users
- Requires the balance be paid in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 9 cents off on every gallon on your statement
- 1% back on nonfuel purchases
Pros
- Is a universally accepted fleet card
- Offers 1% cash back on nonfuel purchases
- Doesn’t require a personal guarantee
Cons
- Charges monthly fees to active users
- Requires the balance be paid in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why I like it
The Coast Fuel Card is a practical option for businesses that manage fleets or have frequent fuel expenses. It provides flexible fuel rebates and cash back opportunities while simplifying how companies track and control spending.
With transparent pricing at $4 per active user per month and no annual fee, it offers predictable costs and clear value. The card integrates with Coast’s expense management tools, providing detailed reporting, spending controls, and insights that make it easier to manage budgets and reduce fuel-related overhead.
Overall, it is a reliable choice for companies that want an easy-to-use solution for fueling and fleet expense management.
- Earn 1% cash back on non-fuel business purchases with no spending caps.
- Receive fuel rebates on every gallon you purchase, with discounted rates varying by station and region — typically 3¢ to 9¢ off per gallon at many partner stations, and up to 10¢ off per gallon at select locations.
- Coast’s fuel management system lets you manage your fuel expenses seamlessly
- Intuitive reports and charts that make it easy to track your transactions and plan your budget
- Exclusive partner discounts and rebates
- No personal guarantee required
The above perks are a few of the reasons why the card made it to our roundup of the best fuel business cards for small businesses.
Capital One Spark 1.5% Cash Select: Best for business owners who want simple, unlimited cash back on every purchase with no annual fee
Capital One Spark 1.5% Cash Select
BEST FOR:
Business owners who want simple, unlimited cash back on every purchase with no annual fee.
Intro APR
N/A
Regular APR
17.24% - 23.24% variable
Annual Fee
$0
Credit Needed
Excellent
- Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months of account opening.
- Earn 1.5% unlimited cash back on every purchase with no limits or category restrictions.
- Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel.
- Enjoy a $0 annual fee, making this a strong option for businesses that want rewards without ongoing costs.
- Cash back rewards never expire for the life of the account.
- Redeem your rewards anytime and for any amount—no minimums required.
- Easily track and download your purchase records into QuickBooks®, Quicken®, or Excel® for simple accounting.
- Add employee cards at no additional cost and set individual spending limits to manage budgets efficiently.
- Assign account managers to help with payments, purchases, and reconciliation.
- Enjoy $0 fraud liability and virtual card numbers for secure online purchases.
- Set up AutoPay to ensure you never miss a payment.
- Manage and monitor expenses in one place with Capital One’s Business Tools.
- Terms and conditions apply.
Pros
- Unlimited 1.5% cash back on every purchase
- $0 annual fee
- Expense management tools for business owners
Cons
- No 0% intro APR offer
- Foreign transaction fees may apply
- $0 fraud liability: If your card is lost or stolen, you’re protected from unauthorized charges. You can also request an emergency card replacement and cash advance to keep business moving without interruption.
- Purchase protection: Eligible purchases made with your Capital One business credit card may be replaced, repaired, or reimbursed if they’re damaged or stolen within 90 days of purchase. Coverage limits and exclusions apply—refer to your Guide to Benefits for full details.
- Extended warranty protection: Capital One extends the manufacturer’s warranty on eligible items purchased with your card by up to one additional year for warranties of three years or less. The issuer may replace the item or reimburse you up to the purchase amount charged to your card.
- Virtual card numbers: Create unique, secure card numbers for online transactions to help protect your real account information and reduce fraud risk.
- AutoPay and account management: Set up automatic payments, add employee cards at no cost, and monitor spending through Capital One’s digital business tools.
- Year-end summaries: Receive detailed annual spending reports to simplify budgeting, expense tracking, and tax preparation.
Intro APR
N/A
Regular APR
17.24% - 23.24% variable
Annual Fee
$0
Credit Needed
Excellent
- Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months of account opening.
- Earn 1.5% unlimited cash back on every purchase with no limits or category restrictions.
- Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel.
- Enjoy a $0 annual fee, making this a strong option for businesses that want rewards without ongoing costs.
- Cash back rewards never expire for the life of the account.
- Redeem your rewards anytime and for any amount—no minimums required.
- Easily track and download your purchase records into QuickBooks®, Quicken®, or Excel® for simple accounting.
- Add employee cards at no additional cost and set individual spending limits to manage budgets efficiently.
- Assign account managers to help with payments, purchases, and reconciliation.
- Enjoy $0 fraud liability and virtual card numbers for secure online purchases.
- Set up AutoPay to ensure you never miss a payment.
- Manage and monitor expenses in one place with Capital One’s Business Tools.
- Terms and conditions apply.
Pros
- Unlimited 1.5% cash back on every purchase
- $0 annual fee
- Expense management tools for business owners
Cons
- No 0% intro APR offer
- Foreign transaction fees may apply
- $0 fraud liability: If your card is lost or stolen, you’re protected from unauthorized charges. You can also request an emergency card replacement and cash advance to keep business moving without interruption.
- Purchase protection: Eligible purchases made with your Capital One business credit card may be replaced, repaired, or reimbursed if they’re damaged or stolen within 90 days of purchase. Coverage limits and exclusions apply—refer to your Guide to Benefits for full details.
- Extended warranty protection: Capital One extends the manufacturer’s warranty on eligible items purchased with your card by up to one additional year for warranties of three years or less. The issuer may replace the item or reimburse you up to the purchase amount charged to your card.
- Virtual card numbers: Create unique, secure card numbers for online transactions to help protect your real account information and reduce fraud risk.
- AutoPay and account management: Set up automatic payments, add employee cards at no cost, and monitor spending through Capital One’s digital business tools.
- Year-end summaries: Receive detailed annual spending reports to simplify budgeting, expense tracking, and tax preparation.
Why I Iike it
If you want a straightforward way to earn rewards on every business purchase, the Spark 1.5% Cash Select keeps things simple and rewarding. You’ll earn unlimited cash back with no categories to track and no annual fee to worry about.
It’s a great fit for small business owners who prefer predictable and easily manageable rewards rather than juggling bonus categories or spending caps. Plus, the $750 welcome bonus offers a quick boost to your business budget once you meet the initial spend requirement.
- Unlimited 1.5% cash back on all purchases, regardless of spending categories
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
- $0 annual fee
- Credit line based on business and personal credit, with flexibility for growth
- Employee cards at no additional cost, with adjustable spending limits
- Year-end summaries for simplified bookkeeping and tax prep
- Fraud coverage and virtual card numbers for added security
- Online account access and easy integration with QuickBooks®, Quicken®, or Excel®
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 12-month 0% APR & up to 5% cash back
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.24% - 26.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- Offers 0% purchase APR for 12 months
- Charges $0 annual fee
- Has U.S. Bank ExtendPay® Plan feature
Cons
- Has no 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.24% - 26.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- Offers 0% purchase APR for 12 months
- Charges $0 annual fee
- Has U.S. Bank ExtendPay® Plan feature
Cons
- Has no 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
Why I like it
If you’ve got a big purchase coming up or want to knock out some high-interest credit card debt, this card is a great and flexible option to consider. It offers a 0% APR for 12 billing cycles on both purchases and balance transfers, making it a solid tool for cash flow management without immediate interest piling up. Additionally, you can earn up to 5% cash back in key spending categories.
Rewards with this card are also flexible. You can take them as a statement credit or move them into a U.S. Bank checking, savings, or money market account. It’s a practical mix of cash flow management and bonus perks for business owners who want to make their money stretch a little further.
- 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 electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
- $500 in cash back after spending $4,500 in purchases within 150 days of account opening
- $100 statement credit for recurring software subscriptions, such as FreshBooks or QuickBooks
- US Bank ExtendPay® Plan that lets you divide eligible purchases into equal monthly payments without interest for only a small monthly fee
- $0 annual fee
It’s also one of our top business cards with no annual fee because it offers several ways to save on credit costs.
U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for earning points rewards & access to travel perks
U.S. Bank Business Altitude® Connect Visa Signature® Card
Intro APR
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,700 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$0 intro annual fee for the first year, $95 thereafter.
Credit Needed
Excellent, Good
- Earn 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,700 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Why I like it
The U.S. Bank Business Altitude® Connect Visa Signature® Card is an excellent choice for business owners who travel frequently and want to maximize rewards across multiple spending categories. It combines a strong points program with premium travel benefits, making it both practical and rewarding for frequent flyers.
Cardholders receive a complimentary Priority Pass™ Digital Membership, which includes access to more than 1,700 airport lounges worldwide and four free visits each year. The card also offers no foreign transaction fees and an introductory annual fee waiver, providing added value for businesses with international or travel-heavy operations.
Beyond travel perks, this card delivers strong earning potential with up to 5X points on travel-related purchases and flexible redemption options for travel, cash back, gift cards, or merchandise. It is a well-balanced choice for small business owners seeking both convenience and elevated rewards.
- 5× points for hotels and car rentals booked directly in the Rewards Center
- 4× points on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2× points on dining, takeout, restaurant delivery, and cellphone services
- 1× points on all other purchases
- 60,000 bonus points after spending at least $6,000 in purchases within the first 180 days of account opening
- $0 annual fee for the first year, then $95 after
- $0 foreign transaction fee
- ExtendPay® Plan that lets you pay off your eligible balance in installments without interest, just a small monthly fee
- Option to transfer points between your business and personal Altitude cards
Its extended payment option and travel perks make it one of our top business cards with no foreign transaction fee.
Emburse Spend Card: Best prepaid card with $0 annual or monthly fees
 Emburse Spend CardBEST FOR: Earning unlimited cash back rewards | |
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Why I Iike it
For businesses that prefer to steer clear of debt, the Emburse Spend Card offers a simple, low-cost way to manage expenses. It earns unlimited 1% cash back on purchases and comes with $0 annual or monthly fees. Since it’s a prepaid card, you’ll fund the account before use, giving you more control over spending.
It also comes with a generous $100,000 load limit, with the option to request more if needed. It’s a smart fit for companies with healthy cash flow that want to earn rewards without relying on credit.
- Unlimited 1% cash back on all purchases, regardless of spending categories
- Unlimited virtual and physical cards at no cost
- Card management software that lets you set limits and view real-time transactions
- Full-featured mobile app for all users
- Customer live support is available 24/7
- No personal guarantee
This card also makes the list on our roundup of the best business prepaid cards.
Rippling Spend Credit Card: Best for custom card policies, robust control & cashback
Rippling Spend Credit Card | |
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Qualifications | Terms |
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Costs | |
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Why I Iike it
The Rippling Spend Credit Card is a standout option for businesses that want high-level spend control and seamless integration across their finance, HR, and payroll systems. It eliminates the need for a personal guarantee and provides real-time visibility into company expenses.
What makes it stand out is the ability to create card policies using your own employee data, giving you detailed control over spending limits and permissions. You can define custom policies based on employee attributes such as department, location, or role, set automated approval workflows, revoke cards instantly, and sync transactions directly to your general ledger.
For companies that already use or plan to use Rippling’s platform for HR, IT, or payroll, this card becomes a powerful tool to unify spend, reduce manual work, and manage costs more precisely.
- Earn up to 1.75% cash back on eligible purchases with no preset spending cap or expiration of rewards, subject to card approval and program eligibility
- Robust automation of processes, including updating card policies, issuing employee cards, and revoking cards
- Personalized card branding with your company logos
- Customized card controls
Valley Visa® Secured Business Credit Card: Best for rebuilding credit with 0% APR & fixed-rate cash back
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
Intro APR
0% introductory APR on purchases and balance transfers for first 6 months
Regular APR
15.20% to 26.50%, variable
Annual Fee
$0
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
- 110% percent of your approved credit limit
- $1,000 to $25,000, based on customer request
Pros
- Applicants with poor or limited credit history can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
- Report to major credit bureaus
Cons
- Credit limits are capped to $25,000
- Requires refundable security deposit of 110% credit limit
- Up to 25 free employee cards only
- Charges foreign transaction fee
- Online account access: Manage your account conveniently through online access.
- Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
- Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
- Report to major credit bureaus: The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use.
Intro APR
0% introductory APR on purchases and balance transfers for first 6 months
Regular APR
15.20% to 26.50%, variable
Annual Fee
$0
Credit Needed
Poor, Limited
- 1% unlimited cash back on all purchases
- 110% percent of your approved credit limit
- $1,000 to $25,000, based on customer request
Pros
- Applicants with poor or limited credit history can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
- Report to major credit bureaus
Cons
- Credit limits are capped to $25,000
- Requires refundable security deposit of 110% credit limit
- Up to 25 free employee cards only
- Charges foreign transaction fee
- Online account access: Manage your account conveniently through online access.
- Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
- Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
- Report to major credit bureaus: The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use.
Why I Iike it
The Valley Visa® Secured Business Credit Card is a practical option for business owners who want to rebuild or establish their business credit while maintaining access to everyday purchasing power. It allows users with limited or poor credit to qualify and offers a straightforward 1% cash back on all purchases.
The card features a 0% introductory APR period on purchases and balance transfers for the first six billing cycles, which can help manage short-term expenses without added interest. A refundable security deposit equal to 110% of your approved credit limit is required to open the account, giving you a clear and secure path to improving your credit standing.
With no annual fee and regular reporting to major credit bureaus, this card is a reliable tool for business owners focused on building a stronger financial foundation.
- Unlimited 1% cash back on all purchases, regardless of spending categories
- $2,000 to $25,000 credit limits
- $0 annual fee
- Online account access with fraud protection
The card tops our lists of the leading business secured cards and best business cards for bad credit.
How I selected the best business credit cards
When reviewing small business credit cards, I focused on options that help owners manage cash flow, earn rewards, and build a stronger financial footing. Each recommendation was chosen for its ability to offer real value, flexibility, and convenience for everyday business needs.
Here’s what I considered:
- Accessibility: I prioritized cards that are attainable for a variety of small businesses, from new startups to growing companies. This includes cards with flexible approval criteria, options that do not require a personal guarantee, and secured cards that help business owners establish or rebuild credit.
- Costs and fees: I compared annual fees, ongoing APRs, and introductory financing offers to find cards that keep expenses low while providing meaningful value. Cards with no annual fee and 0% intro APR options stood out for giving small business owners more breathing room during the first year.
- Rewards and bonuses: I looked for strong ongoing rewards programs and competitive welcome offers. Flat-rate cash back and straightforward points structures were prioritized because they make it easy to earn value on everyday business purchases.
- Tools and management features: I gave preference to cards that simplify expense management, such as those offering employee cards, spending controls, accounting software integrations, and year-end summaries. These features help business owners stay organized and save time.
- Reliability and support: I also considered the reputation of the card issuers, the quality of their customer service, and how clearly they communicate their terms. A good small business credit card should provide consistent support and transparency, along with strong benefits.
How to choose the best business credit card
A business credit card is a powerful financial tool that helps you separate business and personal finances, simplifying bookkeeping and helping prevent issues with the IRS during tax season. It also provides short-term financing for day-to-day expenses while letting you earn rewards, benefit from introductory 0% APR offers, and build business credit. Once you’ve established strong business credit, qualifying for larger loans or lines of credit becomes much easier.
When comparing business credit cards, keep the following factors in mind:
- Spending categories: Identify your most common business expenses such as office supplies, travel, gas, or advertising. Choose a card that offers the highest rewards in the categories where you spend the most.
- Costs vs. rewards: Evaluate the card’s annual fee, regular APR, and other expenses against the perks and rewards it offers. Make sure the benefits you’ll earn outweigh the ongoing fees.
- Introductory offers: Look for 0% APR periods or generous welcome bonuses that can provide extra value during the first few months of use.
- Expense management tools: If you need cards for employees, choose one that provides spend tracking, accounting software integration, and detailed reporting to simplify financial oversight.
- Credit building: Select a card that reports to business credit bureaus so you can establish or strengthen your business credit profile over time.
Choosing the right business credit card means finding one that fits your spending habits, keeps costs manageable, and supports your long-term financial goals.
Frequently asked questions (FAQs)
The top small business credit cards will vary depending on how you intend to use them, as well as your overall financial goals. You should consider factors such as card benefits and rewards, credit limits, and APRs when determining which option is best for you.
Typically, the requirements may vary from one issuer to another. In general, most will typically check your personal credit score and require a personal guarantee, which means you will be personally liable for your business’s debts in case it fails. You also need to provide the following general information when you apply for a business credit card:
- Personal contact information
- Business name
- Business address
- Business contact information
- Employer identification number (EIN) or Social Security number
- Business type
- Industry category
- Annual revenue
- Anticipated monthly expenses
Business credit cards allow you to build business credit, while personal credit cards don’t. Because personal credit cards don’t report to business credit bureaus, all your card transactions won’t contribute to building business credit.
A business credit card is ideal for those who want to build business credit and earn rewards for business-related purchases like office supplies, phones, and the internet. In contrast, a personal credit card is suitable for those who cannot qualify for a business card or want to earn rewards on non-business-related purchases, such as groceries and streaming services.
Here are the most common types of small business cards:
- Cash back business credit cards offer cash back rewards that can be redeemed as a cash deposit to your bank account, a check by mail, or a statement credit.
- Travel rewards business credit cards offer miles or points-based rewards that can be redeemed for travel. They typically come with travel perks, like no foreign transaction fees, airport lounge access, and in-flight discounts.
- Business charge cards work like regular credit cards; however, they require users to pay their balance in full every month. Typically, they don’t come with APRs because you are not supposed to carry a balance.
- Business prepaid cards can be used for online and in-store purchases, but you must load the card first. Business prepaid cards also come with expense reporting systems that let you monitor expenses and set controls. Learn more about what business prepaid cards are and how they work.
- Business fuel cards are charge cards or prepaid cards designed for fuel purchases and businesses with fleets. They offer rebates on purchases at gas stations. Some business fuel cards can be used at all merchants, while others are exclusive for use at a specific gas station only.
Bottom line
The best credit cards for small businesses will provide you with the financial support you need for business expenses and operations. When comparing your options, consider your spending needs and what rewards will help you save more money.
If you already have a deposit account with a bank or credit union, it’s best to get your card from that financial institution to continue building your financial relationship. By doing so, you could potentially negotiate a better interest rate and add other business products or services to help build your credit history.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
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mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
American Express The Business Platinum Card®
