18 Best Small Business Credit Cards 2019

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	14.99% - 20.99% 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. Owners receive 0% introductory APR on purchases for 12 months. American Express Blue Business® Plus also offers a 12-month interest-free period on both purchases and balance transfers. The ongoing APR is as low as 14.99%.

Chase Ink Business Cash^SM Costs

Financing costs and fees on Chase Ink Business Cash^SM include:

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

Chase Ink Business Cash^SM offers a shorter introductory APR period on purchases than American Express Blue Business® Plus. That card offers 0% APR on both purchases and balance transfers for 12 months. The American Express card comes with one of the best balance transfer offers of the cards on our list.

Chase Ink Business Cash^SM Rewards

This Chase business credit card offers higher rewards on office supply and telecommunications services purchases than many other top business credit cards. It also pays bonus cash back on gas station and restaurant purchases, and awards one of the highest sign-up bonuses available on a small business credit card that charges no annual fee ($500). Its rich rewards make it a great credit card for startup businesses.

Introductory Rewards

You’ll receive $500 cash back after you spend $3,000 on purchases in the first three months after account opening. Among cards on our list that don’t charge an annual fee, this is the highest introductory offer available.

Ongoing Rewards

You’ll earn the following cash-back rewards when using your card:

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.

This card offers the highest rewards on office supply spending of any card on our list.

Chase Ink Business Cash^SM Additional Features

Chase Ink Business Cash^SM offers the following 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.

Chase Ink Business Cash^SM reviews indicate this package of benefits is similar to what’s offered by several other cards on this list, although the purchase protection lasts longer than the 90 days the American Express® Business Gold card offers.

What Chase Ink Business Cash^SM Is Missing

The $25,000 annual cap on the 5% and 2% spending categories may prove to be too small for some business owners. If you want to earn rewards with no spending cap, consider a fixed-rate card like Chase Ink Business Unlimited^SM. That card pays an unlimited 1.5% cash back on all purchases.

How to Apply for Chase Ink Business Cash^SM

You can apply online with Chase by filling out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

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 100,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases 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 1.5 points 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.
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. At $595, this card’s annual fee is significantly more expensive than the Capital One® Spark® Miles for Business card ($95, waived the first year). This charge card carries no APR because you must pay your balance in full each month.

American Express Business Platinum Card® Costs

Financing costs and fees on the American Express Business Platinum Card® include:

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

The $595 annual fee you’ll pay is the highest among the cards on this list. But perks like free airport lounge access and reimbursement for Global Entry or TSA Pre✓® airport screening programs mean this card carries far more potential value than any other card on our list.

American Express Business Platinum Card® Rewards

The American Express Business Platinum Card® offers strong rewards for airplane travelers and business owners who frequently stay in hotels. You’ll earn five points per dollar spent on airfare and hotels booked through American Express Travel. The introductory rewards are worth $1,000 or more when redeemed for travel.

Introductory Rewards

You’ll earn up to 100,000 Membership Rewards points within your first three months of opening your account if you make $25,000 in purchases:

Earn 50,000 points after you spend your first $10,000.
Receive an extra 50,000 points after you spend an additional $15,000.

Those points are worth more than $1,000 when redeemed for travel. This is $1,000 less in travel than what you could earn with Capital One® Spark® Miles for Business.

Ongoing Rewards

You’ll earn the following rewards when using your card:

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.

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 card reviews agree that makes this card ideal for businesses looking for high limit credit cards to make large purchases.

American Express Business Platinum Card® Additional Features

The American Express Business Platinum Card® includes:

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 4.5 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.

No other card on our list offers airport lounge access or travel credits, which are designed to compete with the free baggage check benefits that cards like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offer. Two other cards on our list offer TSA Pre✓® reimbursement: the Southwest Rapid Rewards® Performance Business Card and Capital One® Spark® Miles for Business.

What American Express Business Platinum Card® Is Missing

There are no rewards for businesses that don’t spend a lot of time or money traveling. Other cards offer a better return on everyday spending, including American Express Blue Business® Plus. Also, while it provides the best rewards to businesses that spend a lot of money each month on their credit card, you’re required to pay it off each month.

How to Apply for American Express Business Platinum Card®

You can sign up for an American Express Business Platinum Card® by filling out an online application that only takes a few minutes. You could get a decision in as quickly as 30 seconds and be using your card within two to three days.

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	18.74% (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. In comparison, Chase Ink Business Preferred^SM pays bonus points on several travel-related purchases this Capital One card doesn’t allow. Choose that card if you want to maximize travel rewards.

Capital One® Spark® Miles for Business Costs

Financing costs and fees on the Capital One® Spark® Miles for Business include:

Introductory APR: None
Ongoing APR: 18.74% variable, which adjusts with the prime rate
Annual fee: $95, waived for the first year
Balance transfer fee: None

The Capital One® Spark® Miles for Business is one of just three business credit cards on our list—along with the Capital One® Spark® Cash for Business and the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®—that has an annual fee, but waives it for the first year. This could be a solid benefit if you want to test drive a card but aren’t sure if you want to keep it.

Capital One® Spark® Miles for Business Rewards

The Capital One® Spark® Miles for Business card offers the best flat-rate business travel rewards on our list, giving you 2x miles on every purchase. Introductory rewards are worth up to $2,000 in travel.

Introductory Rewards

You’ll 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 is the largest miles-based sign-up bonus on our list.

Ongoing Rewards

With this card, you’ll earn:

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

You can redeem your Capital One miles online by either paying for past travel, booking a new flight or rental car, or by transferring your points to one of the issuer’s airline transfer partners. Paying for past travel is a unique benefit among travel rewards business credit cards.

Capital One® Spark® Miles for Business Additional Features

Capital One® Spark® Miles for Business offers the following 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.

Just one other card on our list offers reimbursement for airport screening programs. You’ll also receive this benefit with the American Express Business Platinum Card®. That card, however, charges a $595 annual fee. You can learn more about these features in our Capital One business card review.

What Capital One® Spark® Miles for Business Is Missing

Capital One® Spark® Miles for Business doesn’t offer interest-free financing. Other cards on our list, including Chase Ink Business Cash^SM, offer interest-free financing on purchases for 12 months. If you don’t travel much by plane, then this isn’t a very good card for you.

How to Apply for Capital One® Spark® Miles for Business

You can get the Capital One® Spark® Miles for Business card by filling out an online application with your personal and business information. You will either be approved immediately or be required to submit proof of income by mail. Once approved, you’ll receive your card in seven to 10 business days.

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	17.74% - 22.74% 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. It offers 3x points on those types of purchases with a modest $95 annual fee, much lower than the $595 the American Express Business Platinum Card® charges. The ongoing APR is as low as 17.74%, which is two percentage points higher than the typical small business credit card offers.

Chase Ink Business Preferred^SM Costs

Financing costs and fees on the Chase Ink Business Preferred^SM include:

Introductory APR: None
Ongoing APR: 17.74% to 22.74% variable, which adjusts with the prime rate
Annual fee: $95
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

The ongoing APR is among the highest on our list, so it’s best to avoid Chase Ink Business Preferred^SM if you have to carry a balance. This card also charges an annual fee and doesn’t waive the fee in the first year. Most cards on our list charge no annual fee.

Chase Ink Business Preferred^SM Rewards

Chase Ink Business Preferred^SM offers top-notch rewards on travel spending (3x per dollar) while charging an annual fee under $100. There’s one other card on our list that offers better ancillary travel benefits—the American Express Business Platinum Card®. But for most businesses with travel budgets, Chase Ink Business Preferred^SM is the better pick because it has a much lower annual fee ($95 versus $595) and higher introductory rewards.

Introductory Rewards

You’ll earn 80,000 Ultimate Rewards points when you spend $5,000 within the first three months of account opening. When redeemed for travel, the points are worth $1,000, well above most other cards on our list.

Ongoing Rewards

You’ll earn the following rewards when using your card:

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.

If you want to maximize your travel rewards, choose this card over Capital One® Spark® Miles for Business. Chase Ink Business Preferred^SM pays bonus points on several travel-related purchases that Capital One card doesn’t allow.

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

Chase Ink Business Preferred^SM offers the following 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.

Chase Ink Business Preferred^SMreviews indicate that this card includes some premium benefits, like auto rental insurance. But it also comes with perks other cards on our list don’t offer, including cellphone protection and trip cancellation insurance.

What Chase Ink Business Preferred^SM Is Missing

The Chase Ink Business Preferred^SM card is not a good choice for businesses looking for an interest-free period on purchases or balance transfers. The card also lacks bonus rewards for spending on office supplies, restaurants, and gas. If you want to earn rewards on office supplies, consider Chase Ink Business Cash^SM.

How to Apply for Chase Ink Business Preferred^SM

You can apply online to see if you qualify for the Chase Ink Business Preferred^SM card and get an answer within minutes. You may be required to verify some business information offline, depending on your situation, but once approved, you’ll typically be able to use your card when you receive it in seven to 10 days.

Southwest Rapid Rewards® Performance Business Card: Best for Southwest Airlines Rewards

On Chase's Secure Website

Southwest Rapid Rewards® Performance Business

Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
9,000 bonus points after your Cardmember anniversary.
3 points per $1 spent on Southwest Airlines® purchases.

2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
4 Upgraded Boardings per year when available
Inflight WiFi Credits
Global Entry or TSA Pre✓® Fee Credit
Employee cards at no additional cost, earn points on employee spending.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.49% - 24.49% Variable	$199	Good to Excellent

On Chase's Secure Website

Note: The information related to the Southwest Rapid Rewards® Performance Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

The Southwest Rapid Rewards® Performance Business Card is best for businesses that frequently use Southwest Airlines. The card, introduced in June 2019, offers enhanced rewards for Southwest Airlines purchases, as well as travel benefits like in-flight Wi-Fi credits and reimbursement for the cost to enroll in TSA Pre✓^®. The ongoing APR is as low as 17.49%, which is higher than the average card charges.

Southwest Rapid Rewards® Performance Business Card Costs

Financing costs and fees on the Southwest Rapid Rewards® Performance Business Card include:

Introductory APR: None
Ongoing APR: 17.49% to 24.49% variable, which adjusts with the prime rate
Annual fee: $199
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

The annual fee is higher than many cards on our list charge. But if you can take advantage of the travel perks, like four free upgraded boardings per year and one Wi-Fi credit per day, the card more than pays for itself. If you want a travel credit card that charges no annual fee, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®.

Southwest Rapid Rewards® Performance Business Card Rewards

The best rewards for the Southwest Rapid Rewards® Performance Business Card come from purchases with Southwest Airlines and its hotel and rental car partners. This card also pays bonus rewards on social media and search engine advertising, as well as on telecommunications services.

Introductory Rewards

You’ll earn 70,000 points when you spend $5,000 in the first three months. That could be worth at least $700 in travel, which falls just short of Chase Ink Business Preferred^SM. That card also has a potentially higher redemption rate, as Chase Ultimate Rewards points are worth 1.25 cents each when redeemed for travel.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

3 points per dollar spent on Southwest airline purchases.
3 points on hotel and car rental partners.
2 points on social media and search engine advertising.
2 points on internet, cable, and phone services.
1 point per dollar spent on all other purchases.
6,000 bonus points on every cardmember anniversary.

You’ll earn the same points on Southwest travel as you would with Chase Ink Business Preferred^SM, but that card pays 3x points on all travel. The ongoing flight rewards are better on this Southwest card than the United^SM Explorer Business Card pays (although that card pays 2x points on United flights only), but less on other bonus categories, like dining.

Southwest Rapid Rewards® Performance Business Card Additional Features

Southwest business card reviews show that this card offers one of the potentially most lucrative perks you’ll find on a travel rewards credit card: a companion pass. You’ll need to earn 110,000 qualifying points or take 100 qualifying one-way flights in a calendar year to earn a companion pass, which gets your guest on a flight for which you’ve bought a ticket for free (minus taxes and fees).

Good news: collecting the sign-up bonus gets you most of the way there. After spending $5,000 to earn the welcome bonus, you’ll need to earn just 30,000 points to earn the pass.

This card falls short of the travel perks offered by the American Express Business Platinum Card®, which offers lounge access and annual travel credits. Still, that card charges an annual fee of $595, significantly higher than this Southwest Airlines card.

What Southwest Rapid Rewards® Performance Business Card Is Missing

If you don’t regularly use Southwest or their partners, this isn’t a good card for you. Other business travel rewards cards that offer rewards on all flight purchases may be a more flexible option. If Southwest is your preferred carrier, but you don’t travel often enough to justify this card’s annual fee, consider the Southwest Rapid Rewards® Premier Business, which charges a $99 annual fee and pays two points per dollar on Southwest purchases.

How to Apply for Southwest Rapid Rewards® Performance Business Card

You can apply for the Southwest Rapid Rewards® Performance Business Card online through Southwest’s secure website. Once you’re approved, you’ll get your card in about a week.

Marriott Bonvoy Business^TM American Express® Card: Best for Hotel & Restaurant Rewards

on Marriott Bonvoy Business™ American Express® Card's secure website.

Marriott Bonvoy Business™ American Express® Card

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.

Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
Terms apply.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24% - 26.24% Variable	$125	Good, Excellent

on Marriott Bonvoy Business™ American Express® Card's secure website.

The Marriott Bonvoy Business^TM American Express® Card is the best small business credit card for companies that have significant hotel and dining costs. It pays 6x points at participating Marriott Bonvoy hotels and 4x points at U.S. restaurants. You’ll pay a minimum of 17.24% APR for purchases, which is slightly above average.

Marriott Bonvoy Business^TM American Express® Card Costs

Financing costs and fees on the Marriott Bonvoy Business^TM American Express® Card include:

Introductory APR: None
Ongoing APR: 17.24% to 26.24% variable, which adjusts with the prime rate
Annual fee: $125
Balance transfer fee: $5 or 3% of the balance transferred, whichever is greater

This isn’t the most expensive card on our list to own, but the annual fee is slightly higher than what Chase Ink Business Preferred^SM charges ($95). The APR on this card also is a bit pricey, so consider another small business credit card if you think you’ll have to regularly carry a balance.

Marriott Bonvoy Business^TM American Express® Card Rewards

The Marriott Bonvoy Business^TM American Express® Card offers 75,000 bonus points after you spend at least $3,000 during your first three months of card ownership. That’s a slightly lower return than the Chase Ink Business Preferred^SM offer (80,000 points). You’ll earn ongoing rewards at hotels, gas stations, restaurants, wireless phone service, and shipping services.

Introductory Rewards

You’ll earn 75,000 bonus points after you make $3,000 in purchases within the first three months. Marriott Bonvoy points are worth 0.9 cents each, making the Marriott Bonvoy Business^TM American Express® Card introductory offer worth $675. That’s a lower return than you’ll receive with the Chase Ink Business Preferred^SM, which offers 80,000 points worth $1,000 when redeemed for travel.

Ongoing Rewards

You’ll earn the following rewards when using your card:

6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping.
2x points on all other purchases.
One free night award every year after your card anniversary.

This American Express business credit card offers terrific hotel rewards—better, in fact, than any card on our list. Chase Ink Business Preferred^SM offers 3x points per dollar on the first $150,000 spent on travel, shipping purchases, internet service, cable television service, phone service, and advertising purchases.

Marriott Bonvoy Business^TM American Express® Card Additional Features

Marriott Bonvoy Business^TM American Express® Card offers the following additional features:

Purchase protection: You’re covered for items you purchased with your card that were damaged or stolen within 120 days from purchase. Purchase protection is limited to $1,000 per incident and up to $50,000 per year.
Roadside assistance: Cardholders have access to a 24-hour roadside assistance hotline. The roadside assistance hotline can send out a tow truck operator or a locksmith in the event of an emergency. However, you are responsible for the cost of any goods or services provided.
Extended warranty protection: You will receive up to two additional years of warranty protection on items with original manufacturers’ warranties of up to five years.
Baggage insurance: You’re covered for up to $1,250 if a common carrier loses your baggage during transit.
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 $50,000 for theft and collision damage for most cars in the U.S. and abroad.

Marriott business card reviews show these business card’s features rank well. For example, Chase Ink Business Cash^SM only offers extended warranty protection on warranties of up to three years.

What Marriott Bonvoy Business^TM American Express® Card Is Missing

Unlike several other cards on our list, this American Express card comes with no introductory 0% APR period. You’ll also want to avoid this card if you know you’ll need to carry a balance, as its ongoing APR is higher relative to other top business credit cards.

How to Apply for Marriott Bonvoy Business^TM American Express® Card

You can apply for the Marriott Bonvoy Business^TM American Express® Card online. You will be required to provide basic business and personal information. Usually, you will receive a decision within minutes. If you’re approved, you will get your card within seven to 10 days.

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

On US Bank's Secure Website

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

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 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 15 billing cycles. After that variable APR currently 13.99% - 24.99%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	13.99% - 24.99% 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 the longest combined 0% APR introductory offer on purchases and balance transfers. This no-interest credit card offers free financing for the first 15 billing cycles on spending and transfers. It also offers a unique 25% bonus on the prior year’s rewards, up to $250.

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

Financing costs and fees on the U.S. Bank Business Cash Rewards World Elite™ Mastercard® include:

Introductory APR: 0% on purchases and balance transfers for the first 15 billing cycles
Ongoing APR: 13.99% to 24.99% 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

No other card on our list offers a longer no-interest period on purchases and balance transfers. American Express Blue Business® Plus offers 12 months of interest-free financing on both purchases and balance transfers. Few small business credit cards offer 0% financing on both purchases and balance transfers.

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

This U.S. Bank business credit card offers ongoing cash back on your spending, including bonus rewards for cellular, gas, and office supply purchases, and a 25% annual bonus based on your prior year’s cash rewards. The introductory offer is worth $500.

Introductory Rewards

You’ll earn $500 cash back after you spend $4,500 during the first 150 days. That matches Chase Ink Business Cash^SM for the best sign-up bonus offer on our list. This Chase small business credit card requires $3,000 in purchases during the first three months to earn the introductory reward.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

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.

The cellphone bonus is unique among cash-back small business credit cards. The rewards on office supply spending are lower than the 5% offered by Chase Ink Business Cash^SM. U.S. Bank also offers a unique annual bonus equal to 25% of your prior year’s cash rewards, up to a maximum of $250. No other small business cash-back credit card offers an ongoing annual bonus.

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

The following benefits are included on your card:

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.

According to U.S Bank business card reviews, this card includes similar restrictions on both its purchase assurance and extended warranty protections as Capital One® Spark® Cash for Business. Those protections aren’t quite as robust as cards like Chase Ink Business Unlimited^SM offer.

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

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers lower ongoing category rewards than some other cash-back rewards business credit cards. The Chase Ink Business Cash^SM card, for example, offers ongoing rewards of up to 5% on office supply spending.

How to Apply for U.S. Bank Business Cash Rewards World Elite™ Mastercard®

You can apply online for the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. Fill out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

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	18.74% (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. Plus, you could earn a one-time cash bonus worth $2,000 after spending $55,000 within the first six months. The ongoing variable APR is 18.74%.

Capital One® Spark® Cash for Business Costs

Financing costs and fees on the Capital One® Spark® Cash for Business include:

Introductory APR: None
Ongoing APR: 18.74% 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, look to the American Express Blue Business® Plus. That card also offers no-interest financing on purchases and balance transfers for 12 months.

Capital One® Spark® Cash for Business Rewards

This Capital One business card pays 2% cash back on all spending, the highest fixed-rate cash-back return among the cards on this list. Other cards offer higher returns in bonus category spending, like the 5x points the American Express Business Platinum Card® pays on airfare and hotels. That card fares much worse in everyday spending, at 1x points.

Introductory Rewards

You’ll 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 is the largest cash-based introductory reward on our list.

Ongoing Rewards

You’ll earn unlimited 2% cash back on all purchases. This card pays less on certain spending categories than cards with bonus categories, like Chase Ink Business Preferred^SM, which pays three points per dollar on travel and other categories. But since Capital One® Spark® Cash for Business pays a fixed rate on all spending, this card may be a more lucrative option for everyday use than other cards.

Capital One® Spark® Cash for Business Additional Features

Capital One offers several perks through its Visa guide to benefits, including:

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.

Capital One business card reviews agree these benefits are fairly standard, although the length of coverage on purchase protection is less than the 120 days American Express Blue Business® Plus offers. Chase Ink Business Preferred^SM offers other perks, like cellphone insurance, that this card doesn’t offer.

What Capital One® Spark® Cash for Business Is Missing

Other cards offer better rewards in specific expense categories, like Chase Ink Business Preferred^SM, which pays three points per dollar on travel, shipping, and advertising. Receiving 2% cash back on all purchases is great for businesses that spend in a variety of different categories or don’t want to track category spending.

How to Apply for Capital One® Spark® Cash for Business

You can apply online for a Capital One® Spark® Cash for Business card and you’ll typically get an immediate decision. Once approved, you’ll get your card in seven to 10 business days.

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	14.99% - 20.99% 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. The ongoing APR is as low as 14.99%, which is about average for cards on this list.

Chase Ink Business Unlimited^SM Costs

Financing costs and fees on the Chase Ink Business Unlimited^SM include:

Introductory APR: 0% for 12 months on purchases
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

If one of the top features you’re looking for in a new small business credit card is interest-free financing, choose another card. The American Express Blue Business® Plus card offers a similar introductory period (12 months) on purchases, but also offers an interest-free period on balance transfers.

Chase Ink Business Unlimited^SM Rewards

This card also comes with a great introductory bonus, especially because Chase Ink Business Unlimited^SM charges no annual fee. You’ll have to pay an annual fee to earn a welcome bonus higher than the $500 this card offers. Ongoing rewards are 1.5% cash back.

Introductory Rewards

Earn $500 cash back when you spend $3,000 in the first three months. That’s the same introductory offer the Chase Ink Business Cash^SM offers. Among cards that charge no annual fee, this is the highest sign-up offer available.

Ongoing Rewards

Earn unlimited 1.5% cash back on all purchases, regardless of spending category. That’s lower than the 2% cash back Capital One® Spark® Cash for Business offers, which is the highest fixed-rate return available.

Chase Ink Business Unlimited^SM Additional Features

Chase Ink Business Unlimited^SM offers the following additional perks:

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.

Chase Ink Business Unlimited^SM reviews indicate the purchase protection benefit lasts longer than the 90 days the American Express® Business Gold Card offers. Cards that offer this benefit set coverage limits at either 90 or 120 days, so this is the best protection available.

What Chase Ink Business Unlimited^SM Is Missing

The Chase Ink Business Unlimited^SM card’s reward rate is lower than some other cards on this list, especially in certain spending categories. For example, you can earn up to 5% cash back in categories like office supplies with Chase Ink Business Cash^SM.

How to Apply for Chase Ink Business Unlimited^SM

You can apply for the Chase Ink Business Unlimited^SM directly through Chase’s website. Once you apply, you can get an approval decision in just a few minutes. You should receive your card within seven to 10 days.

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	12.99% - 22.99% 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 want to earn 3x points per dollar spent on travel purchases—without paying an annual fee. Plus, you’ll receive 0% APR on purchases for the first nine billing cycles. The ongoing APR is as low as 12.99%, which is several percentage points lower than what the typical business credit card on our list offers.

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

Financing costs and fees on the Bank of America® Business Advantage Travel Rewards World Mastercard® include:

Introductory APR: 0% on purchases for nine billing cycles
Ongoing APR: 12.99% to 22.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the balance transferred, whichever is greater

Like the other Bank of America business cards on our list, the Bank of America® Business Advantage Travel Rewards World Mastercard® offers a very low ongoing APR for applicants with excellent credit. There are plenty of cards that offer a longer 0% introductory rate, and, of course, there’s no introductory offer on balance transfers, meaning you’ll pay the ongoing APR.

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

The Bank of America® Business Advantage Travel Rewards World Mastercard® rewards your purchases on a points system. These points never expire and you can redeem them for travel, cash back, or gift cards.

Introductory Rewards

Earn 25,000 bonus points when you make at least $1,000 in net purchases in the first 60 days of your account opening. These points can be redeemed for a $250 statement credit toward travel purchases. That’s low compared with other cards on our list, including Chase Ink Business Cash^SM, which offers $500 cash back after spending $3,000 within the first three months.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

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

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 an unlimited 2.62 points on all purchases, which is a higher rate than any other card on this list offers for everyday spending.

You’ll also earn 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. That’s not quite as good as what you’d earn with the American Express Business Platinum Card®, which pays 5x points on airfare.

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. Bank of America card reviews show you will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

What Bank of America® Business Advantage Travel Rewards World Mastercard® Is Missing

Cardholders won’t receive great rewards for their office expense purchases as Chase Ink Business Cash^SM offers. This card is mainly for borrowers who travel frequently. There are other cards that pay a higher rate on everyday spending, like American Express Blue Business® Plus.

How to Apply for Bank of America® Business Advantage Travel Rewards World Mastercard®

You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® by filling out a basic online application and potentially getting instant approval. The whole process can be completed within a matter of a few minutes, and you’ll receive your card within seven to 10 days.

American Express Blue Business Cash^TM Card: Best for 2% Cash Back & No Annual Fee

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 to earn 2% cash back on all purchases—without paying an annual fee. Other cards offer this fixed-rate reward, but you’ll have to pay nearly $100 a year for the privilege. The ongoing APR is as low as 14.74%, which is about two percentage points below average.

American Express Blue Business Cash^TM Card Costs

Financing costs and fees on the American Express Blue Business Cash^TM Card include:

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

When it comes to card costs, this American Express card is identical to American Express Blue Business® Plus. The introductory APR offer isn’t quite as good as what the U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers. You’ll get 0% financing for 15 billing cycles on purchases and balance transfers with that card.

American Express Blue Business Cash^TM Card Rewards

The American Express Blue Business Cash^TM Card offers excellent ongoing fixed-rate rewards normally seen on business credit cards that charge an annual fee. But, unlike those cards, this American Express card sets a cap at $50,000 in annual spending at which you’ll earn the top reward.

Introductory Rewards

American Express offers no introductory rewards on this card. Most cards on our list of the best business credit cards for small business offer a sign-up bonus after you meet a spending requirement. This card falls lower on our list because it doesn’t offer introductory rewards.

Ongoing Rewards

The American Express Blue Business Cash^TM Card offers ongoing rewards points, including:

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

Capital One® Spark® Cash for Business also offers 2% cash back, but it has no rewards cap. However, you’ll have to pay a $95 annual fee, waived the first year.

American Express Blue Business Cash^TM Card Additional Features

This American Express business card offers the following perks:

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.

American Express business card reviews show the extended warranty protection is similar to what American Express Blue Business® Plus offers, although that card offers up to two years of additional warranty coverage compared to one year.

What American Express Blue Business Cash^TM Card Is Missing

This card falls low on our list because it offers no introductory rewards. That’s a real drawback, especially when other cards that charge no annual fee offer sign-up bonuses worth up to $500 cash back. You’ll also want to avoid this card when traveling overseas, not only because you’ll pay foreign transaction fees, but because American Express isn’t as widely accepted as Visa or Mastercard.

How to Apply for American Express Blue Business Cash^TM Card

You can fill out an online form to apply for the American Express Blue Business Cash^TM Card on American Express’ website, and you could receive a decision in as quickly as 30 seconds. Once approved, your card will arrive in the mail within seven to 10 days.

American Express Blue Business® Plus: Best for 2x Points & No Annual Fee

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 to earn 2x points on all spending without paying an annual fee. 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 second-longest introductory period among cards on our list. Ongoing APR is as low as 14.74%.

American Express Blue Business® Plus Costs

Financing costs and fees on the American Express Blue Business® Plus include:

Introductory APR: 0% for 12 months on purchases and balance transfers, one of the longest 0% APR introductory offers
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

Along with one of the longest 0% interest introductory periods available, American Express Blue Business® Plus charges a balance transfer fee that is lower (at 3%) than other credit cards on our list, which charge 4% or 5%. That lower fee could save you hundreds of dollars in finance charges, depending on how big the balance you seek to transfer is.

American Express Blue Business® Plus Rewards

Cardholders will earn fixed-rate rewards of two points per dollar on all spending up to $50,000, which means there are no bonus categories to track, like for gas or airline purchases. This differs from some of the other best business rewards credit cards, which may offer larger rewards in certain purchasing categories, like office supplies.

Introductory Rewards

This card does not currently offer introductory rewards. Most small business credit cards that offer ongoing rewards also offer introductory rewards. You could earn hundreds of dollars or more by choosing another credit card.

Ongoing Rewards

The American Express Blue Business® Plus card offers ongoing rewards points, including:

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

Points can be redeemed for airfare or other paid travel through American Express Travel, gift cards, or statement credits against eligible charges. Cardholders can also transfer points to airline and hotel partners. Other American Express credit cards that award points also allow transfers, as does the Chase Ink Business Preferred^SM.

American Express Blue Business® Plus Additional Features

American Express Blue Business® Plus offers the following perks:

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.

The extended warranty protection is a full year longer than what Chase Ink Business Cash^SM offers, according to American Express business card reviews. Still, the coverage limit on purchase protection is actually quite a bit lower than Chase’s $10,000 limit per occurrence.

What American Express Blue Business® Plus Is Missing

The American Express Blue Business® Plus card doesn’t offer any introductory rewards. Ongoing rewards are also lower than some small business credit cards that offer 5% returns on spending in bonus categories, like Chase Ink Business Cash^SM.

How to Apply for American Express Blue Business® Plus

The American Express Blue Business® Plus credit card is available directly from the American Express website and comes with a 12-month, 0% introductory APR. You can get approved in seconds and receive your card in as few as seven days.

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	13.99% - 23.99% Variable APR on purchases	$0.00	Excellent

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

The Bank of America® Business Advantage Cash Rewards Mastercard® offers 3% cash back—and potentially much more if you enroll in the Preferred Rewards for Business program. You could earn up to 5.25% cash back in select spending categories based on your level of deposits with the bank. The ongoing APR is as low as 13.99%.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

Financing costs and fees of the Bank of America® Business Advantage Cash Rewards Mastercard® include:

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.99% to 23.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the balance transferred, whichever is greater

The ongoing APR is low, but it’s not the lowest on our list. If the cost to finance is the most pressing need you have in a business credit card, consider a card like the Bank of America® Platinum Plus® Mastercard® Business card, which offers a potentially lower ongoing APR for cardholders with excellent credit (minimum 750).

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

You’ll need to make just $3,000 in purchases during the first 90 days after you open your account to qualify for the introductory rewards. Earn 3% cash back on one of six spending categories, including gas stations. This card is among the best cash-back business cards.

Introductory Rewards

You’ll earn a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. That’s lower than the $500 cash-back reward the Chase Ink Business Cash^SM card offers after you spend $3,000 within the first three months.

Ongoing Rewards

You’ll earn the following rewards when using your card:

3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV and telecommunications services, wireless, computer services or business consulting services (for the first $50,000 in combined choice category or dining purchases each calendar year, 1% thereafter).
2% cash back at restaurants.
1% cash back on all other purchases.

This card offers unique bonus value for businesses that have a Bank of America checking or savings account. Enroll in the Preferred Rewards for Business program to receive an additional 25% to 75% rewards bonus on every purchase. These tiered relationship bonuses begin when you have at least $20,000 in assets with the bank. Only the Bank of America® Business Advantage Travel Rewards World Mastercard® offers a similar bonus.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

This card doesn’t come with the same level of benefits you’ll find on other cards on our list. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. This is also available on the Bank of America® Platinum Plus® Mastercard® Business card.

What Bank of America® Business Advantage Cash Rewards Mastercard® Is Missing

Bank of America card reviews agree the reward system is not as good as other cards if you plan on using it for business expense purchases you’re paying off every month—unless you have an existing Bank of America banking relationship.

How to Apply for Bank of America® Business Advantage Cash Rewards Mastercard®

You can apply online for a Bank of America® Business Advantage Cash Rewards Mastercard®. Once you fill out the application form containing basic personal and business information, you could get approved within minutes. Once approved, you’ll receive a card in the mail within seven to 10 days.

United^SM Explorer Business Card: Best for United Airlines Rewards

on United℠ Explorer Business Card's secure website.

United℠ Explorer Business Card

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, you can earn an additional 50,000 bonus miles after you spend $25,000 in total purchases within six months.
$0 intro annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores

Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.74% - 24.74% Variable	$95	Good - Excellent

on United℠ Explorer Business Card's secure website.

Note: The information related to the United℠ Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

The United^SM Explorer Business Card is best for business owners who are loyal United Airlines customers. You’ll earn 2x miles on all United purchases. This card also earns bonus rewards on restaurants, gas stations, and office supply spending. The ongoing APR is as low as 17.74%, which is two percentage points or higher than the typical card charges.

United^SM Explorer Business Card Costs

Financing costs and fees on the United^SM Explorer Business Card include:

Introductory APR: None
Ongoing APR: 17.74% to 24.74% variable, which adjusts with the prime rate
Annual fee: $95
Balance transfer fee: $5 or 5% of the balance transferred, whichever is greater

The $95 annual fee is nearly identical to the annual fee assessed on Capital One® Spark® Miles for Business ($95, waived the first year). Ongoing APR may be up to four percentage points higher than what the Bank of America® Business Advantage Travel Rewards World Mastercard® charges.

United^SM Explorer Business Card Rewards

The United^SM Explorer Business Card offers introductory rewards worth up to $1,000 on travel purchases. You’ll also earn ongoing rewards on United Airlines, restaurant, gas station, and office supply purchases.

Introductory Rewards

You’ll earn the following introductory rewards when using your card:

50,000 miles when you spend $3,000 in the first three months after account opening.
50,000 miles when you spend $25,000 in total within the first six months.

That 100,000-mile potential haul is the best return on our list—tied with the 100,000 points you could earn with the American Express Business Platinum Card®. The Amex card requires you to spend $25,000 to earn that reward. The Chase Ink Business Preferred^SM pays 80,000 points after you spend $5,000 within the first three months.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

2 miles per $1 spent on purchases from United, including tickets, Economy Plus, inflight food, beverages, Wi-Fi, and other United charges.
2 miles per $1 spent at restaurants, gas stations, and office supply stores.
1 mile per $1 spent on all other purchases.

Other business travel credit cards offer higher returns on flight purchases, including the American Express Business Platinum Card® (5x miles) and Chase Ink Business Preferred^SM (3x miles). Few business credit cards for travel offer rewards on restaurants, gas stations, and office supplies.

United^SM Explorer Business Card Additional Features

The United^SM Explorer Business Card includes the following benefits:

Free checked bag: You and one companion traveling on the same reservation will each receive your first standard checked bag free.
Priority boarding: You and companions on the same reservation will be able to board prior to general boarding.
2 United Club one-time passes: Enjoy complimentary beverages, snacks, and amenities like workspaces, free Wi-Fi, and more each anniversary year.

The free checked bag benefit is similar to what other airline-affiliated cards offer, like the American Express Platinum Delta SkyMiles® Business Credit Card. The Southwest Rapid Rewards® Performance Business Card Credit Card offers a companion certificate, unlike this card.

What United^SM Explorer Business Card Is Missing

United^SM Explorer Business Card reviews indicate this card doesn’t offer free access to airport lounges, as the American Express Business Platinum Card® does, nor does it offer a statement credit toward air travel expenses. The rewards on air travel are also lower than cards like Chase Ink Business Preferred^SM offers (3 points per $1 spent).

How to Apply for United^SM Explorer Business Card

You can apply online for the United^SM Explorer Business Card. Fill out a basic application containing both business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Note: The information related to the United^SM Explorer Business Card has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: Best for American Airlines Rewards

on Citi's Secure Website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

2 AAdvantage® miles on telecommunications, car rental, gas station purchases
2 AAdvantage® mile on eligible American Airlines purchases
1 AAdvantage® mile on other purchases

First checked bag free
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24 - 25.24% Variable	$0 for the first year, then $99	Good - Excellent

on Citi's Secure Website

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers 70,000 introductory bonus miles for qualifying new cardholders as well as one to two miles for every dollar spent. This card is best for business owners who frequently fly American Airlines. Other cards offer better rewards for general spending. The ongoing APR is as low as 17.24%, which is slightly higher than the typical small business credit card charges.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Costs

Financing costs and fees on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® include:

Introductory APR: None
Ongoing APR: Variable 17.24% to 25.24%, which adjusts with the prime rate
Annual fee: $99, waived for the first year
Balance transfer fee: Balance transfers are not allowed

If you’re looking for a 0% introductory offer, you’d be better off choosing another card, like American Express Blue Business® Plus (12 months free financing on purchases and balance transfers).

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Rewards

The best rewards come from using the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® on American Airlines travel. Those rewards give you the ability to do more traveling with American Airlines. You can receive three points or more on airline spending with other cards, although this card is still a good deal if you’re an American Airlines loyalist.

Introductory Rewards

You can earn 70,000 American Airlines AAdvantage bonus miles when you make $4,000 in purchases within the first four months of account opening. That bonus could be worth $700 in travel, lower than the 80,000 points Chase Ink Business Preferred^SM offers.

Ongoing Rewards

You’ll receive American Airline miles for the following purchases:

2 miles for every $1 spent at gas stations and certain telecommunications merchants, car rental merchants, and cable and satellite providers.
2 miles for every $1 spent on American Airline purchases.
1 mile for every $1 spent on all other purchases.

You’ll earn more travel rewards (3x) with the Chase Ink Business Preferred^SM card, and you’re not restricted to earning points on American Airlines flights.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Additional Features

Like the Southwest Rapid Rewards® Performance Business Card, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers a companion pass after you spend $30,000 in a year. The companion ticket costs $99 plus fees of $21.60 to $43.60 when the primary cardholder buys a ticket. That’s not quite as good as the free (minus fees) ticket Southwest offers.

Cardholders will also earn the following: one free checked bag per flight, preferred boarding privileges for the cardholder and up to four other passengers, and 25% savings on food and onboard Wi-Fi.

What CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Is Missing

If you don’t fly American Airlines constantly, CitiBusiness® credit card reviews show this isn’t the right card for you. This is a great card if you can benefit from the American Airlines-centric rewards system, but it’s missing any other type of reward.

How to Apply for CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

You can apply online at Citi’s website or via phone to get the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. Once approved, you’ll receive your card in about one week.

American Express Business Gold Delta SkyMiles®: Best for Delta Air Lines Rewards

on Gold Delta SkyMiles® Business Credit Card from American Express's secure website.

Gold Delta SkyMiles® Business Credit Card from American Express

Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.

Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you spend overseas.
$0 introductory annual fee for the first year, then $95. Terms and limitations apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	17.24% - 26.24% Variable	$0 introductory annual fee for the first year, then $95	Good, Excellent

on Gold Delta SkyMiles® Business Credit Card from American Express's secure website.

American Express Business Gold Delta SkyMiles® is best for frequent Delta Air Lines flyers. It offers free checked bags and 30,000 bonus miles if you spend $1,000 during the first three months. You’ll earn two miles per dollar spent on Delta purchases. Ongoing APR is as low as 17.24%.

American Express Business Gold Delta SkyMiles® Costs

Financing costs and fees on the American Express Gold Delta SkyMiles® include:

Introductory APR: 0% on purchases for six months
Regular APR: 17.24% to 26.24% variable, which adjusts with the prime rate
Annual fee: $95, waived the first year
Balance transfer fee: Either $5 or 3% of the balance transferred, whichever is greater

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® charges $99, which is waived the first year. The United^SM Explorer Business Card charges $95, which is also waived the first year. The Southwest Rapid^® Performance Business Card charges $199, but that is not waived. The APR is also comparable to other airline cards.

American Express Business Gold Delta SkyMiles® Rewards

Delta offers both a traditional sign-up bonus and a $50 statement credit for making a Delta purchase within the first three months. Ongoing bonus rewards are focused only on Delta purchases, which means you’ll earn just one mile per dollar on all other spending.

Introductory Rewards

You’ll earn the following introductory rewards when using your card:

30,000 bonus miles after you spend $1,000 in purchases during the first three months.
Plus, earn a $50 statement credit after you make a Delta purchase with your new card within your first three months.

This sign-up bonus is significantly lower than what other travel credit cards on our list offer. For example, you can earn up to 100,000 bonus miles with the United^SM Explorer Business Card.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

2 miles per dollar on Delta Air Lines purchases.
1 mile per dollar on all other eligible purchases.

The American Express Business Gold Delta SkyMiles® card offers weaker ongoing rewards compared to the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. In addition to paying bonus miles on American Airlines flights, that card also pays two miles per dollar on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations.

American Express Business Gold Delta SkyMiles® Additional Features

American Express Business Gold Delta SkyMiles® benefits include:

Free checked bag: Check one bag for free for you and up to eight companions.
Savings on in-flight purchases: Receive a 20% discount on in-flight purchases you make with your Delta SkyMiles® credit card.
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags.
Car rental insurance: 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.

Based on American Express business card reviews, this coverage is standard for the annual fee. You won’t receive lounge access, travel credits, or security screening reimbursements that cards with higher annual fees like the American Express Business Platinum® Card offer.

What American Express Business Gold Delta SkyMiles® Is Missing

This card only offers bonus miles on Delta Airlines spending. Other airline credit cards, like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and the Southwest Rapid^® Performance Business Card, offer ongoing bonus rewards on other spending categories, including at car rental merchants.

How to Apply for American Express Business Gold Delta SkyMiles®

You can apply for American Express Business Gold Delta SkyMiles® by filling out an online application that only takes a few minutes. You could get a decision in as quickly as 30 seconds and receive your card within 10 business days.

American Express® Business Gold Card: Best for Category Rewards

on American Express® Business Gold Card's secure website.

American Express® Business Gold Card

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*

AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
*Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	15.74% - 23.74% Variable	$295	Good, Excellent

on American Express® Business Gold Card's secure website.

The American Express® Business Gold Card is best for businesses that want to maximize rewards on both travel and other spending categories. You’ll earn 4x points per dollar on the two categories where you spend the most each billing cycle, including airfare and shipping services. You can finance purchases of $100 or more, and the ongoing APR is as low as 15.74%.

American Express® Business Gold Card Costs

Financing costs and fees on the American Express® Business Gold Card include:

Introductory APR: None
Ongoing APR: 15.74% to 23.74% variable, which adjusts with the prime rate
Annual fee: $295
Balance transfer fee: Balance transfers are not allowed

The annual fee is considerably higher than the $95 charged by the Capital One® Spark® Miles for Business card, which is waived the first year. Like the American Express Business Platinum Card®, the American Express® Business Gold Card is a charge card, which would usually mean all charges must be paid in full each month. However, American Express allows cardholders to finance eligible purchases of $100 or more.

American Express® Business Gold Card Rewards

American Express offers a standard sign-up bonus with a three-month spending requirement. If you fly frequently, this card offers the second-highest ongoing rewards for airfare, behind the American Express Business Platinum Card®, which offers five points per dollar. The Gold card offers the highest rewards on our list in several other categories, including dining and gas purchases.

Introductory Rewards

You’ll 35,000 points after you spend $5,000 on eligible purchases with the Business Gold Card within the first three months. This could be worth at least $350 in travel.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

4x points on the two categories where you spend the most each billing cycle, up to $150,000 in combined eligible purchases each calendar year.
1x points on all other eligible spending.

American Express offers six possible bonus categories, from which you’ll earn 4x points each month on your top two categories. Categories include airfare purchased directly from a passenger carrier; advertising purchased in the U.S. to promote your business; computer hardware, software, and cloud computing purchases in the U.S.; gasoline purchased at U.S. gas stations; U.S. restaurants; and shipping services purchased in the U.S.

American Express® Business Gold Card Additional Features

American Express® Business Gold benefits include:

Premium roadside assistance: Free of charge up to four times a year, receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of fuel.
Return protection: American Express will refund you for eligible purchases when the merchant will not accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per account per calendar year.
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags.
Extended warranty: Receive one additional year of warranty service on purchases with warranties of five years or less.
Purchase protection: Your eligible purchases are covered against accidental damage or theft for 90 days up to $1,000 per occurrence.

American Express business card reviews show this card offers fewer benefits than you might expect from a card that charges a $295 annual fee. It is missing travel benefits like TSA Pre✓® reimbursement and free airport lounge access that the American Express Business Platinum Card® offers, which has a $595 annual fee.

What American Express® Business Gold Card Is Missing

Even though the American Express® Business Gold Card offers an introductory bonus, it offers less value than a sign-up bonus you could earn with a business card that charges a significantly lower annual fee. The Chase Ink Business Preferred^SM card offers 80,000 Ultimate Rewards points and charges a $95 annual fee.

How to Apply for American Express® Business Gold Card

You can sign up for an American Express® Business Gold Card by filling out an online application that only takes a few minutes. You could get a decision in as quickly as 30 seconds and receive your card within 10 business days.

Bank of America® Platinum Plus® Mastercard® Business card: Best for the Lowest APR

On Bank of America's Secure Website

Bank of America® Platinum Plus® Mastercard® Business card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.

0% Introductory APR on purchases for your first 7 billing cycles.
Employee cards at no additional cost to you and with credit limits you set.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 7 billing cycles	11.99% - 22.99% Variable APR on purchases	$0.00	Excellent

On Bank of America's Secure Website

The Bank of America® Platinum Plus® Mastercard® Business card offers the lowest ongoing APR range among the cards on our list (11.99% to 22.99%) and charges no annual fee, making it right for anyone who’s looking for a low-cost option.

Bank of America® Platinum Plus® Mastercard® Business Card Costs

Financing costs and fees on the Bank of America® Platinum Plus® Mastercard® Business card include:

Introductory APR: 0% APR on purchases for seven billing cycles
Ongoing APR: 11.99% to 22.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the balance transferred, whichever is greater

This card offers no introductory 0% financing on balance transfers, and charges a high balance transfer fee—although not quite as high as the Chase Ink Business Cash^SM card. Choose this card only if you need access to cheap ongoing financing. There are several better options on our list for introductory purchases and balance transfers.

Bank of America® Platinum Plus® Mastercard® Business Card Rewards

The Bank of America® Platinum Plus® Mastercard® Business card offers a small sign-up bonus, but the card lacks a strong ongoing rewards program. The $300 introductory bonus is quite low compared with other cards on this list.

Introductory Rewards

You’ll receive a $300 statement credit after you make at least $3,000 in net purchases in the first 90 days your account is open.

Ongoing Rewards

The Bank of America® Platinum Plus® Mastercard® Business card doesn’t offer a rewards program as an opportunity to earn either points or cash back. It is the only card on our list that doesn’t offer ongoing rewards.

Bank of America® Platinum Plus® Mastercard® Business Card Additional Features

Bank of America card reviews show this card doesn’t offer many additional bells and whistles, especially when compared with some of the other best small business credit cards on our list. The only additional feature worth noting is travel accident insurance, which is also available on the Bank of America® Business Advantage Travel Rewards World Mastercard®. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

What Bank of America® Platinum Plus® Mastercard® Business Card Is Missing

Bank of America® Platinum Plus® Mastercard® Business card is the only card on our list that doesn’t offer ongoing rewards. But this is an affordable card if you plan to carry a balance because it offers the lowest APR range among the best small business credit cards. If you want a lower APR and want to earn ongoing rewards, consider the Bank of America® Business Advantage Cash Rewards Mastercard®.

How to Apply for Bank of America® Platinum Plus® Mastercard® Business Card

You can apply online for a Bank of America® Platinum Plus® Mastercard® Business card. Once you fill out the application form with your basic personal and business information, you’ll typically get instant approval or rejection. Once approved, you’ll receive a card in the mail within seven to 10 days.