For small businesses looking for a credit card to help finance business purchases, there are 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 13 best credit cards for small businesses:
- American Express Blue Business CashTM: Overall best small business credit card for cash back and expanded buying power
- American Express Business Platinum Card®: Best for flexible spending limit and premium travel perks
- Ramp Card: Best corporate charge card with fixed-rate cash back and high credit limits
- Coast Fuel Card: Best for fleets and significant fuel expenses
- Amazon Business Prime American Express Card: Best for frequent Amazon purchases
- US 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
- Chase Ink Business Unlimited®: Best for lucrative welcome offer and fixed-rate cash back rewards
- Chase Ink Business Cash®: Best for earning premium rewards on office supplies, internet, cable, and phone
- 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 | Ongoing rewards | |||
---|---|---|---|---|---|
American Express Blue Business CashTM | Cash back and expanded buying power | $0 | $250 statement credit | Up to 2% cash back | |
American Express Business Platinum Card® | Flexible spending limit and premium travel perks | $695 | 150,000 bonus points | Up to 5× points | |
Ramp Card | Corporate charge card with fixed-rate cash back and high credit limits | $0 | None | Up to 1.5% cash back | |
Coast Fuel Card | Fleets and significant fuel expenses | None, only $4 per active user, per month | None | Up to 6 cents off per gallon on fuel and 1% cash back on all other purchases | |
Amazon Business Prime American Express Card | Frequent Amazon purchases | $0 | $125 Amazon.com gift | Up to 5% cash back | |
U.S. Bank Business 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; only $11 per month | None | From 1.5% cash back | |
Chase Ink Business Unlimited® | Lucrative welcome offer and fixed-rate cash back rewards | $0 | $750 cash back | Up to 1.5% cash back | |
Chase Ink Business Cash® | Earning premium rewards on office supplies, internet, cable, and phone | $0 | $750 cash back | Up to 5% cash back | |
Valley Visa® Secured Business Credit Card | Rebuilding credit with 0% APR and fixed-rate cash back | $0 | None | 1% cash back |
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
- 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, 17.49% – 27.49%, 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 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.
- 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
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.)
- 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, 17.49% – 27.49%, 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 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.
- 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
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 is a favorite because it makes cash back effortless and offers a simple rewards program. You earn rewards on everyday purchases without juggling categories or tracking points, and the cash back just shows up as a statement credit — no extra steps needed.
It also comes with a handy feature called Expanded Buying Power, which means you can spend over your credit limit when you need to, as long as your credit score, business history, and spending habits are solid. It’s a flexible, low-maintenance option that’s built to keep up with how small businesses really spend.
- 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
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
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! 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.
- New! 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.
- 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.
- 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. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US 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.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- 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 $400 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.)
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! 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.
- New! 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.
- 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.
- 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. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US 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.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- 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 $400 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
If travel is a common part of your business, this card is a worthy consideration. It opens the door to over 1,400 airport lounges through The Global Lounge Collection®, making long layovers a bit more comfortable.
You also get travel perks like $200 in airline fee credits, a $199 credit for CLEAR® Plus to speed through airport security, and automatic Marriott Bonvoy® Gold Elite status for smoother hotel stays. Add in a flexible spending limit that adapts to your purchasing patterns, and you’ve got a card designed to support business travel in style.
- 5× Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1.5× Membership Rewards® points on eligible purchases in key business categories of $5,000 or more
- 1× Membership Rewards® points on all other eligible purchases
- 150,000 Membership Rewards® after spending $20,000 on eligible purchases within the first three months of account opening
- Over $2,000 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, including breakfast for two and late checkouts
Ramp Card: Best corporate charge card with fixed-rate cash back & high credit limits
- 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.
- 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
Ramp is built for businesses that want spending power and control in one package. As a corporate charge card, it can offer credit limits up to 20 times higher than what you’d find with typical business credit cards.
You also get flat-rate cash back on every purchase — no need to track categories or shift your spending habits. What really sets it apart is the built-in expense management platform, which makes it easier to oversee budgets, monitor employee spending, and keep everything running smoothly behind the scenes.
- Unlimited 1.5% cash back on purchases
- 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
Coast Fuel Card: Best for fleets & significant fuel expenses
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due 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
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due 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
For businesses that spend heavily on fuel, the Coast Fuel Card offers a straightforward way to save. You’ll earn fuel rebates at the pump and cash back on other purchases, making it a strong pick for companies with vehicles on the road. It has a $0 annual fee, and the pricing is simple — just $4 per active user each month. It’s a clean, efficient solution for managing fuel expenses without the usual hassle.
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% cash back on all other purchases with no tiers or caps
- Coast’s fuel management system that lets you manage your fuel expenses seamlessly
- Intuitive reports and charts that make it easy to track your transactions and plan for budget
- Exclusive partner discounts and rebates
- No personal guarantee required
Amazon Business Prime American Express Card: Best for frequent Amazon purchases
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90-Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Why I like it
If your business leans heavily on Amazon for supplies or inventory, this card is built to reward that. You can choose between earning extra cash back or opting for interest-free payment terms on Amazon purchases, giving you flexibility based on your cash flow needs. It also offers solid rewards on other everyday business spending. It has a $0 annual fee, but you will need an active Amazon Prime membership to be eligible.
- 5% back Applies on the first $120,000 worth of purchases, then 1% back after or 90-Day Terms on selected US purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market
- 2% back on US purchases at restaurants, gas stations, and wireless phone services purchased directly from U.S. service providers
- 1% back on all other purchases
- $125 Amazon.com gift card upon receiving card approval
- $0 annual fee
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
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 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 Rewards 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
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- 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
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 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 Rewards 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
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- 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. And while you’re at it, 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 US 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
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
- Limited Time Offer: 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 Rewards 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 1,300 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
- Limited Time Offer: 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 Rewards 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 1,300 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
This card is a solid option for business owners who travel often and want flexible rewards. You get complimentary access to over 1,700 VIP airport lounges through Priority PassTM Digital, which makes long travel days a bit more comfortable. It features a $0 foreign transaction fee, and the annual fee is relatively low for a travel card. On top of that, you earn points on every purchase, which you can redeem for travel, cash back, gift cards, or merchandise, whatever fits your business needs best.
- 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
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
Rippling Spend Credit Card: Best for custom card policies, robust control & cashback
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Why I Iike it
The Rippling Spend Credit Card is a strong pick for businesses that want tighter control over how employees spend. You earn 1.5% cash back on all purchases, with opportunities to earn even more in select categories.
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. There’s no cost to use the card during the first month, and after that, it comes with an $11 monthly fee. It’s a solid solution for businesses that value both rewards and precision in expense management.
- 1.5% cash back on business purchases, with multipliers on common expense categories
- Robust automation of processes, including updating card policies, issuing employee cards, and revoking cards
- Personalized card branding with your company logos
- Customized card controls
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
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Why I like it
This card keeps things simple and rewarding. You earn the same fixed-rate cash back on every purchase, so there’s no need to track categories or change your spending habits. It also comes with one of the more generous welcome offers out there. Spend $6,000 in the first three months after opening your account, and you’ll receive a $750 cash bonus. It’s a straightforward way to earn consistent rewards and get a strong return right out of the gate.
- 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
Ink Business Cash®: Best for earning premium rewards on office supplies, internet, cable & phone
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BEST FOR:
Office-based businesses that want top cash back rewards
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 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
- 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 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- 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 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 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
- 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 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- 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 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Why I like it
This card is a good choice for businesses that spend consistently on essentials like office supplies, internet, cable, and phone services. You earn elevated cash back in those categories, which can add up quickly if you’re stocking up or covering monthly bills.
There’s also a generous welcome bonus available when you hit the initial spending requirement, plus an interest-free financing period on purchases for the first 12 billing cycles. It’s a practical way to earn rewards while managing upfront expenses.
- 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
- Up to $750 cash bonus — which includes $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 in the first six months of opening an account
- One-time 10% bonus of all eligible cash back earned in your first card anniversary if you have a Chase Business Checking account together with your Chase Ink Business Cash®
- Flexible redemption options that allow you to use your rewards for cash back, gift cards, travel, and even Apple® products
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
- 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.
- 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
If rebuilding your credit is a priority, this secured card offers a path forward without sacrificing rewards. It lets you earn unlimited cash back on eligible purchases while giving you a 0% APR window on purchases during the first six months.
To get started, all you need is a security deposit equal to 110% of your requested credit limit. It’s a solid option for business owners looking to strengthen their credit profile while still putting everyday spending to work.
- 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
How I selected the best business credit cards
I reviewed numerous business credit cards and selected what I think are the top small business credit cards for business owners looking to utilize a credit card to help finance their businesses. My choices reflect cards that offer some of the best deals for small business owners, alongside low introductory financing, lucrative welcome offers, and beneficial ongoing rewards. Also taken into consideration were:
- Annual fees
- Ongoing APRs
- Other noteworthy perks and benefits
How to choose the best business credit card
Having a business credit card can help you separate your business and personal finances — this prevents issues with the IRS come tax season. Business credit cards also provide quick short-term financing while letting you earn rewards, take advantage of benefits like 0% APR and expense reporting features, and build business credit. When you have established your business credit, qualifying for other business financing options will be easier.
To find a suitable card for your small business, consider what expense categories you always spend on. Choose one that lets you earn rewards on these categories to maximize its benefits. You should also weigh its fees against its perks and rewards and decide whether the rewards justify the cost. Moreover, determine if you need cards for your employees. If so, select cards with spend management tools, accounting integration, and reporting capabilities.
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, 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 for you 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
To see rates & fees for the American Express cards mentioned in this article, reference the following links below:
Amazon Business Prime American Express Card