11 Best Small Business Credit Cards 2020

On Chase's Secure Website

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 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 card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Cash^SM is the best small business credit card because it offers the top combination of introductory and ongoing rewards and a lengthy introductory period on purchases. It’s an excellent card for office-based businesses, as it offers the best rewards for office supply spending on our list. Plus, you can use this card to access interest-free financing on purchases for 12 months. We also rank it as one of the best startup business credit cards.

Chase Ink Business Cash^SM Costs

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

Compare these costs with American Express Blue Business® Plus.

Chase Ink Business Cash^SM Rewards

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year (then 1%).
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1%).
1% cash back on all other purchases.

Welcome offer: $500 cash back after you spend $3,000 on purchases in the first three months after account opening.

Chase Ink Business Cash^SM Additional Features

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 U.S. 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 U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Learn more: Chase Ink Business Cash^SM review

American Express Business Platinum Card®: Best for Premium Travel Benefits

on The Business Platinum® Card from American Express's secure website.

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.

Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	N/A	$595	Good, Excellent

on The Business Platinum® Card from American Express's secure website.

The American Express Business Platinum Card® is best for businesses that want airport lounge access, TSA Pre✓® reimbursement, and annual travel credits. This business travel credit card pays top travel rewards and offers luxury travel perks. For example, you’ll receive free airport lounge access to more than 1,200 airport lounges worldwide and airport security screening application fee reimbursements. You can use this card to make traveling more enjoyable. This charge card carries no APR because you must pay your balance in full each month. We also rank it as one of the best high-limit business credit cards.

American Express Business Platinum Card® Costs

Introductory APR: None
Ongoing APR: None (you must pay off your balance every month)
Annual fee: $595
Balance transfer fee: Balance transfers are not allowed

Although it charges the highest annual fee among the cards on this list, it offers perks like free airport lounge access and reimbursement for airport screening programs.

Compare these costs to Capital One® Spark® Miles for Business.

American Express Business Platinum Card® Rewards

5x points on eligible flights and hotels.
1.5x points per dollar on purchases of $5,000 or more, up to 1 million additional points per year.
1x points on all other spending.

Welcome offer: Earn 50,000 points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your card within your first three months.

No other card on our list offers a better return on airfare or hotel purchases, and it’s the only card to offer bonus points on purchases of $5,000 or more.

American Express Business Platinum Card® Additional Features

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than one dozen U.S. airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,000 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4½ years.
Travel credit: A $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.
Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
Dell statement credit: Up to $200 in statement credits annually for Dell purchases.

Learn more: American Express business card review

Capital One® Spark® Miles for Business: Best for 2x Miles on All Spending & Largest Sign-up Bonus

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

Capital One® Spark® Miles for Business

Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account

Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

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

Capital One® Spark® Miles for Business is best for businesses that want to earn 2x miles on all spending. It offers the largest miles-based introductory reward on our list and also pays 5x points on travel-related purchases made through Capital One. It’s designed for business owners who travel often but don’t want to take the time to track category bonus travel rewards. Instead, use this card to earn a fixed rate on every purchase. Plus, it offers reimbursement on Global Entry or TSA Pre✓® memberships.

Capital One® Spark® Miles for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

Compare these costs to Chase Ink Business Preferred^SM.

Capital One® Spark® Miles for Business Rewards

5x miles on hotel and rental car bookings through Capital One Travel℠.
2x miles per dollar on every purchase.

Welcome offer: Earn 50,000 bonus miles—worth $500 in travel—when you spend $5,000 in the first three months and earn an additional 150,000 bonus miles—worth $1,500 in travel—when you spend $50,000 in the first six months of your account opening. This offer expires on January 27, 2020.

Capital One® Spark® Miles for Business Additional Features

Capital One® Spark® Miles for Business offers these Visa Signature benefits:

Airport screening: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.
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 U.S. and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Learn more: Capital One business card review

Compare these features to the American Express Business Platinum Card®.

Chase Ink Business Preferred^SM: Best for 3x Points on Shipping & Travel

On Chase's secure website

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn

Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 22.49% Variable	$95	Good to Excellent

On Chase's secure website

The Chase Ink Business Preferred^SM credit card is best for businesses that spend big on shipping and travel expenses. You’ll earn 3x points on those categories and more, such as telecommunication services. Plus, this card offers unique additional features not seen on other cards on our list: cellphone protection and trip cancellation insurance.

Chase Ink Business Preferred^SM Costs

Introductory APR: None
Ongoing APR: 17.49% to 22.49% variable, which adjusts with the prime rate
Annual fee: $95
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

Chase Ink Business Preferred^SM Rewards

3 points per dollar on the first $150,000 spent in combined purchases each account anniversary year spent in these categories: travel, shipping, advertising on search engines and social media sites, and on internet, cable, and phone services.
1 point per dollar spent on everything else.

Welcome offer: Earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening.

You can redeem your rewards for travel, cash back, or gift cards. When redeeming for cash back or gift cards, your redemption value is 1 cent per point. When redeeming for travel through Chase’s Ultimate Rewards website, travel is worth 1.25 cents per point.

Chase Ink Business Preferred^SM Additional Features

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 U.S. and abroad.
Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $5,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Learn more: Chase Ink Business Preferred^SMreview

Capital One® Spark® Cash for Business: Best for 2% Cash Back & Huge Cash Bonus

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

Capital One® Spark® Cash for Business

Limited Time Offer: Earn up to $2,000 in cash bonuses
Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions

$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
$0 Fraud Liability if your card is lost or stolen
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	18.49% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

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

Capital One® Spark® Cash for Business is best for businesses that want to earn 2% cash back on all spending. Use this card if you don’t have the patience or time to track category bonus rewards. Plus, you could earn a one-time cash bonus worth $2,000 after spending $55,000 within the first six months. This card is among the best cash-back business cards.

Capital One® Spark® Cash for Business Costs

Introductory APR: None
Ongoing APR: 18.49% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

If you’re looking for a top small business credit card that charges no annual fee, compare these costs to the American Express Blue Business Cash^TM Card.

Capital One® Spark® Cash for Business Rewards

You’ll earn unlimited 2% cash back on all purchases.

Welcome offer: Earn a $500 cash bonus when you spend $5,000 in the first three months and earn an additional $1,500 when you spend $50,000 in the first six months of your account opening. This offer expires on January 27, 2020.

Capital One® Spark® Cash for Business Additional Features

Capital One offers several perks through its guide to benefits:

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 U.S. and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Learn more: Capital One business card review

Chase Ink Business Unlimited^SM: Best for a Big Sign-up Bonus With No Annual Fee

On Chase's Secure Website

Ink Business Unlimited℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases

Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Unlimited^SM is best for businesses that want to earn a solid sign-up bonus without having to pay an annual fee. It pays 1.5% cash back on all spending and $500 cash back after you spend $3,000 in the first three months.

Chase Ink Business Unlimited^SM Costs

Introductory APR: 0% for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

Compare these costs with the American Express Blue Business Cash^TM Card.

Chase Ink Business Unlimited^SM Rewards

Earn unlimited 1.5% cash back on all purchases, regardless of spending category.

Welcome offer: Earn $500 cash back when you spend $3,000 in the first three months.

Compare these rewards to Capital One® Spark® Cash for Business.

Chase Ink Business Unlimited^SM Additional Features

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 U.S. 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 U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Learn more: Chase Ink Business Unlimited^SM review

American Express Blue Business Cash^TM Card: Best for 0% APR & 2% Cash Back

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

American Express® Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

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

The American Express Blue Business Cash^TM Card is best for businesses that want interest-free financing and fixed-rate rewards. You’ll earn 2% cash back on all purchases. You’ll also receive the best introductory APR offer on our list—no interest on purchases and balance transfers for 12 months. We rank it as one of the best 0% APR business credit cards.

American Express Blue Business Cash^TM Card Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the balance transferred, whichever is greater

Compare these costs to the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

American Express Blue Business Cash^TM Card Rewards

2% cash back on all purchases up to $50,000 each year.
1% cash back on all additional purchases.

Welcome offer: None

If you want to earn a sign-up bonus and have 0% APR, compare these rewards to the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

American Express Blue Business Cash^TM Card Additional Features

Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to five 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 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.

Learn more: American Express business card review

American Express Blue Business® Plus: Best for 0% APR & 2x Points

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

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. 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.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 20.74% Variable	No annual fee	Good, Excellent

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

American Express Blue Business® Plus is best for owners who want 0% APR and fixed-rate rewards. You’ll earn 2x points on all spending. This card is nearly identical to the American Express Blue Business Cash^TM Card, except that card offers 2% cash back. Both cards also offer interest-free financing for 12 months, which is the best 0% APR offer on our list.

American Express Blue Business® Plus Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the balance transferred, whichever is greater

American Express Blue Business® Plus Rewards

2x points on all purchases up to $50,000 each year.
1x points on all additional purchases.

Welcome offer: None

Compare these rewards with Chase Ink Business Preferred^SM.

American Express Blue Business® Plus Additional Features

Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five 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.

Learn more: American Express business card review

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for Earning an Annual Cash Bonus Up to $250

On US Bank's Secure Website

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

Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 days of account opening
3% cash back on cellular, gas stations, and office supply store net purchases
1% cash back on other eligible net purchases

No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns
0% Intro APR* on purchases and balance transfers for the first 9 billing cycles. After that variable APR currently 13.74% - 24.74%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%*	13.74% - 24.74%* Variable	$0*	Excellent

On US Bank's Secure Website

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is best for businesses that want to earn a 25% annual cash bonus based on their prior year’s rewards, up to $250. You can also earn $200 after spending $1,000 within the first 90 days. Plus, it offers 0% APR on purchases and balance transfers for nine billing cycles.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Costs

Introductory APR: 0% on purchases and balance transfers for the first nine billing cycles
Ongoing APR: 13.74% to 24.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the balance transferred during application, whichever is greater

If you want a longer introductory 0% APR period, compare this card with the American Express Blue Business Cash^TM Card.

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

3% cash back on cellphone purchases and service.
3% cash back on gas purchases up to $200 per single purchase.
3% cash back at office supply stores.
1% cash back on all other eligible purchases.

Welcome offer: Earn a $200 cash back after you spend $1,000 during the first 90 days.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Additional Features

MasterRental car rental collision damage waiver: When you rent a car using your 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 account, per year. 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 on warranties of five years or less. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

Learn more: U.S Bank business card review

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best Travel Rewards Card With No Annual Fee

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

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

Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards 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 (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.

No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 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.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	12.74% - 22.74% Variable APR on purchases	$0.00	Excellent

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® is best for business travelers who have existing relationships with Bank of America. The real value in this card comes from the bonus rewards program. You can earn up to 4.12 points on travel-related purchases and up to 2.62 points on all other spending, depending on your balance. This card has the lowest ongoing APR on our list.

Bank of America® Business Advantage Travel Rewards World Mastercard® Costs

Introductory APR: 0% on purchases for nine billing cycles
Ongoing APR: 12.74% to 22.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the balance transferred, whichever is greater

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

3 points per dollar spent on travel purchases (car, hotel, and airline) booked through the Bank of America Travel Center.
1.5 points for every dollar spent on all purchases, regardless of how much you spend.

Welcome offer: Earn 25,000 bonus points when you make at least $1,000 in net purchases in the first 60 days of your account opening.

When you enroll in the Preferred Rewards for Business program, you can get an additional 25% to 75% rewards bonus on every purchase you make. That means you can earn up to 4.12 points per every $1 you spend at the Bank of America® Travel Center. But to earn that rate, you have to have at least $100,000 in deposits or investments with the bank.

Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features

Much like the other Bank of America cards on this list, the Bank of America® Business Advantage Travel Rewards World Mastercard® doesn’t come with nearly as many perks as the other best business rewards credit cards. You’ll receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

Learn more: Bank of America card review

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Earning Relationship Rewards

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

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	13.74% - 23.74% Variable APR on purchases	$0.00	Excellent