12 Best Small Business Credit Cards

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% – 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power*.
• * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee. Terms Apply. Learn More.

• 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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

• 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.

• Up to 1.5% cash back on purchases, regardless of spending categories

• 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.

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

• American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
• Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests. Enrollment required.
• Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
• Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• Rental status: Elite status at a number of car rental agencies.
• Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
• Dell statement credit: Up to $150 in statement credits annually for Dell purchases.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

• Earn up to $750 when you spend $6,000 on purchases in the first three months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No annual fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

• 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.

• Up to 9 cents off on every gallon on your statement
• 1% back on nonfuel purchases

• Customizable controls
• Spend reports
• Exclusive discounts from large partner networks
• Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more

• Earn a one-time $750 cash bonus once you spend $6,000 on purchases within the first 3 months of account opening.
• Earn 1.5% unlimited cash back on every purchase with no limits or category restrictions.
• Earn 5% cash back on hotels and rental cars booked through Capital One Business Travel.
• Enjoy a $0 annual fee, making this a strong option for businesses that want rewards without ongoing costs.
• Cash back rewards never expire for the life of the account.
• Redeem your rewards anytime and for any amount—no minimums required.
• Easily track and download your purchase records into QuickBooks®, Quicken®, or Excel® for simple accounting.
• Add employee cards at no additional cost and set individual spending limits to manage budgets efficiently.
• Assign account managers to help with payments, purchases, and reconciliation.
• Enjoy $0 fraud liability and virtual card numbers for secure online purchases.
• Set up AutoPay to ensure you never miss a payment.
• Manage and monitor expenses in one place with Capital One’s Business Tools.
• Terms and conditions apply.

• $0 fraud liability: If your card is lost or stolen, you’re protected from unauthorized charges. You can also request an emergency card replacement and cash advance to keep business moving without interruption.
• Purchase protection: Eligible purchases made with your Capital One business credit card may be replaced, repaired, or reimbursed if they’re damaged or stolen within 90 days of purchase. Coverage limits and exclusions apply—refer to your Guide to Benefits for full details.
• Extended warranty protection: Capital One extends the manufacturer’s warranty on eligible items purchased with your card by up to one additional year for warranties of three years or less. The issuer may replace the item or reimburse you up to the purchase amount charged to your card.
• Virtual card numbers: Create unique, secure card numbers for online transactions to help protect your real account information and reduce fraud risk.
• AutoPay and account management: Set up automatic payments, add employee cards at no cost, and monitor spending through Capital One’s digital business tools.
• Year-end summaries: Receive detailed annual spending reports to simplify budgeting, expense tracking, and tax preparation.

• Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
• Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
• 1% cash back on all other eligible purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• No limit on total cash back earned.
• Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
• Terms and conditions apply.

• 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 60,000 bonus points if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
• Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
• Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
• Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
• Earn 1X points on all other eligible spend.
• Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
• $0 intro annual fee for the first year, $95 per year thereafter.
• Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
• Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• Terms and conditions apply.

• Free employee cards
• ExtendPay® Plan
• Transfer points between your business and personal Altitude cards

• 1% unlimited cash back on all purchases
• 110% percent of your approved credit limit
• $1,000 to $25,000, based on customer request

• 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.