10 Best Sole Proprietorship 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	14.74% - 20.74% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Cash^SM is the overall best sole proprietorship business credit card because it charges no annual fee and offers ongoing rewards worth up to 5% cash back. It also offers a $500 bonus after spending $3,000 within the first three months. Additionally, you’ll receive interest-free financing on purchases for 12 months. Ongoing APR starts at 14.74%.

Chase Ink Business Cash^SM Costs

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

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

Chase Ink Business Cash^SM is one of the overall best small business credit cards. However, there are other cards on our list that offer a better introductory APR. For example, the U.S. Bank Business Cash Rewards World Elite^TM Mastercard® offers an introductory 0% APR period for 15 billing cycles on both purchases and balance transfers.

Chase Ink Business Cash^SM Rewards

Chase Ink Business Cash^SM offers a $500 bonus after you spend $3,000 within the first three months after account opening. Plus, you’ll earn up to 5% cash back on your everyday purchases.

Introductory Rewards

You’ll earn $500 cash back after spending $3,000 within the first three months after account opening. This introductory reward is one of the best on our list, and it’s identical to Chase Ink Business Unlimited^SM.

Ongoing Rewards

You will earn the following ongoing 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% afterward.
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward.
1% cash back on all other purchases.

Chase Ink Business Cash^SM offers cash-back rewards of up to 5%, which makes it one of the strongest cash-back business credit cards. Only two other cards on our list offer better gas rewards. The Bank of America® Business Advantage Cash Rewards Mastercard® and U.S. Bank Business Cash Rewards World Elite^TM Mastercard® both pay 3% cash back on gas purchases.

Chase Ink Business Cash^SM Additional Features

Chase Ink Business Cash^SM comes with the following additional features:

Auto rental collision damage waiver: Chase provides primary coverage when you rent a car for business purposes, which replaces your personal insurance and the rental company’s insurance. Chase will reimburse you up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Provides coverage against damage or theft for the first 120 days after purchase. This coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Provides an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Chase Ink Business Cash^SM reviews agree these additional card perks are similar to what other cards on our list offer. Business credit cards that don’t charge an annual fee rarely offer luxury travel perks, such as airport lounge access. If you want a benefit like that, you’ll need to pay an annual fee for a business credit card with lounge access.

What Chase Ink Business Cash^SM Is Missing

This startup business credit card caps both of its 5% and 2% reward spending categories at $25,000 per year. This limit may be too low for some sole proprietors. If your business spends more than $25,000 annually in these categories, it’s best to look for an alternative. For example, the American Express Blue Business Cash^TM Card pays 2% cash back on all spending up to $50,000 annually.

Chase Ink Business Unlimited^SM: Best for Introductory Rewards & 1.5% Cash Back

On Chase's Secure Website

Ink Business Unlimited℠ Credit Card

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

Employee cards at no additional cost
No Annual Fee

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

On Chase's Secure Website

Chase Ink Business Unlimited^SM is best for sole proprietors who want to earn a sign-up bonus and don’t want to take the time to track category rewards. This card offers fixed-rate 1.5% cash back on all spending. Additionally, it offers an introductory reward of $500 after spending $3,000 within three months. Similar to Chase Ink Business Cash^SM, you’ll receive an introductory 0% APR period for 12 months on purchases. Ongoing variable APR starts at 14.74%.

Chase Ink Business Unlimited^SM Costs

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

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

If you’re looking to transfer a balance, this card is not right for you. It doesn’t offer an introductory APR on balance transfers and has a high balance transfer fee. Instead, consider a balance transfer business credit card like the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®. That card offers no-interest financing for 15 billing cycles on both purchases and balance transfers. Plus, it only charges a balance transfer fee of 3%.

Chase Ink Business Unlimited^SM Rewards

This new business credit card pays a fixed rate of 1.5% cash back on all spending. Additionally, you can earn a $500 cash bonus after spending $3,000 within the first three months. This is one of the best introductory rewards on our list, alongside Chase Ink Business Cash^SM.

Introductory Rewards

You will earn $500 cash back after you spend $3,000 in the first three months. This is the same sign-up bonus that’s offered on Chase Ink Business Cash^SM. If you want to earn a larger introductory offer, you would need to consider a small business credit card with an annual fee.

Ongoing Rewards

You will earn unlimited 1.5% cash back on all purchases, which makes it a great card for businesses that don’t want to track category rewards. If you want to earn better fixed-rate rewards, consider the Discover it® Business Card. That card pays the same 1.5% cash back, but Discover will match—or double—your rewards over the first year. That means you can earn 3% cash back over the first 12 months.

Chase Ink Business Unlimited^SM Additional Features

Chase Ink Business Unlimited^SM comes with the following additional features:

Auto rental collision damage waiver: Primary coverage when using a rental vehicle for business purposes, which means it replaces any coverage the rental company or your personal insurance offers. Chase may reimburse up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Covers purchased items within 120 days of purchase against damage or theft. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Much like other cards on our list, these additional card features are common according to Chase Ink Business Unlimited^SM reviews. However, some cards provide better coverage. For example, American Express Blue Business® Plus has an extended warranty protection plan that covers warranties of five years or less.

What Chase Ink Business Unlimited^SM Is Missing

Chase Ink Business Unlimited^SM offers a lower return rate than other fixed-rate small business credit cards. For example, the American Express Blue Business Cash^TM Card pays 2% cash back on all purchases up to $50,000, then 1% thereafter. If you spend less than $50,000 annually, choose the American Express business card.

American Express Blue Business Cash^TM Card: Best for Fixed-rate 2% Cash-back Rewards

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 sole proprietors who want to earn 2% cash back on every purchase and pay no annual fee. Other business credit cards that offer an identical return rate typically charge annual fees close to $100. Additionally, you’ll have access to no-interest financing for 12 months on purchases and balance transfers. Ongoing variable APR starts at 14.74%.

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 transferred amount, whichever is greater

This American Express business credit card offers a good introductory 0% APR period. However, there are other cards that offer better introductory financing. The U.S. Bank Business Cash Rewards World Elite^TM Mastercard®, for example, charges no interest for 15 billing cycles on purchases and balance transfers.

American Express Blue Business Cash^TM Card Rewards

The American Express Blue Business Cash^TM Card does not offer any introductory rewards. However, you’ll earn 2% cash back on purchases up to $50,000 annually, then 1% thereafter.

Introductory Rewards

The American Express Blue Business Cash^TM Card is one of four cards on our list that doesn’t offer a sign-up bonus. Most cards on our list of the best credit cards for sole proprietorship businesses offer introductory rewards after you meet a spending requirement. For example, Chase Ink Business Unlimited^SM and Chase Ink Business Cash^SM both offer $500 after you spend $3,000 within three months after account opening.

Ongoing Rewards

The American Express Blue Business Cash^TM Card offers the following ongoing rewards:

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

You would need to spend $25,000 on your American Express Blue Business Cash^TM Card during the first year to overcome the introductory bonus the Chase Ink Business Unlimited^SM offers.

American Express Blue Business Cash^TM Card Additional Features

The American Express Blue Business Cash^TM Card offers the following additional features:

Extended warranty protection: The issuer will provide up to one additional year of coverage on eligible warranties of five years or less. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: American Express will repair, replace, or reimburse you for new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per account each year.

Based on American Express business card reviews, the extended warranty protection falls short compared to American Express Blue Business® Plus. That card provides up to an additional two years of warranty coverage. Plus, American Express Blue Business® Plus offers a purchase protection window of 120 days.

What American Express Blue Business Cash^TM Card Is Missing

This card does not offer a sign-up bonus. This can be a turnoff to some sole proprietors, especially when other cards on our list offer introductory rewards worth up to $500 cash back. For example, Chase Ink Business Cash^SM offers $500 after you spend $3,000 within three months from account opening.

American Express Blue Business® Plus: Best for Fixed-rate 2x Points Rewards

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 sole proprietors who want to earn fixed-rate rewards on all spending. This card charges no annual fee and pays up to 2x points on purchases up to $50,000 annually. Additionally, you’ll have no-interest financing for 12 months on purchases and balance transfers. However, this is one of the few cards on our list that has no sign-up bonus. Ongoing variable APR starts at 14.74%.

American Express Blue Business® Plus Costs

Financing costs and fees on the American Express Blue Business® Plus 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 transferred amount, whichever is greater

This 0% APR business credit card isn’t quite as good as the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®. That card offers interest-free financing for 15 billing cycles on purchases and balance transfers.

American Express Blue Business® Plus Rewards

The American Express Blue Business® Plus credit card does not offer an introductory reward. However, you’ll earn 2x points on all spending up to $50,000 per year.

Introductory Rewards

American Express Blue Business® Plus does not offer any introductory rewards. Introductory rewards can be an excellent way to earn bonus cash for your sole proprietorship. If you want to earn introductory rewards, consider Chase Ink Business Cash^SM or Chase Ink Business Unlimited^SM. Both of those Chase Ink business credit cards offer $500 after spending $3,000 within the first three months.

Ongoing Rewards

With the American Express Blue Business® Plus card, you can earn:

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

If you spend more than $50,000 annually, it may be best to consider a fixed-rate card that offers unlimited rewards. For example, Chase Ink Business Unlimited^SM offers unlimited 1.5% cash-back rewards.

American Express Blue Business® Plus Additional Features

American Express Blue Business® Plus comes with the following additional features:

Extended warranty protection: Provides up to an additional two years of coverage on original manufacturers’ warranties of five years or less. Coverage is limited to $10,000 per claim and $50,000 per year.
Purchase protection: The issuer will repair, replace, or reimburse you for a purchased item that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per year.

American Express business card reviews agree this card offers some of the best additional card features on our list. American Express business credit cards are known for their unbeatable card perks.

What American Express Blue Business® Plus Is Missing

American Express Blue Business® Plus is missing an introductory reward offer, which may be a turnoff for sole proprietors looking to maximize credit card rewards. If you want to earn an introductory reward, we recommend the Chase Ink Business Cash^SM credit card. That card has no annual fee and offers $500 after spending $3,000 within the first three months.

U.S. Bank Business Cash Rewards World Elite^TM Mastercard®: Best for 0% APR on Purchases & Balance Transfers

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^TM Mastercard® is best for sole proprietors who want the best introductory financing offer. It charges no interest for 15 billing cycles on purchases and balance transfers. You can earn a $500 sign-up bonus after spending $4,500 within 150 days and 3% cash back. Ongoing variable APR starts at 13.99%.

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

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

Introductory APR: 0% on balance transfers and purchases for the first 15 billing cycles
Ongoing APR: 13.99% to 24.99% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater
Annual fee: None

The next best interest-free financing offers on our list are American Express Blue Business® Plus and the American Express Blue Business Cash^TM Card. Those cards charge no interest for 12 months on purchases and balance transfers. Consider one of those cards if you don’t want to track category bonus rewards.

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

The U.S. Bank Business Cash Rewards World Elite^TM Mastercard® pays up to 3% cash back and offers an introductory reward of $500 when you spend $4,500 within the first 150 days. Plus, you can earn a unique 25% annual bonus worth up to $250.

Introductory Rewards

You’ll earn $500 cash back when you spend $4,500 during the first 150 days after account opening. Compared to other cards that charge no interest, neither the American Express Blue Business® Plus nor the American Express Blue Business Cash^TM Card offer any sign-up bonus.

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.

If you’d rather earn fixed-rate rewards, consider American Express Blue Business® Plus and the American Express Blue Business Cash^TM Card. However, you won’t be able to earn an introductory reward with either of those cards. You’ll need to choose what’s more beneficial—fixed-rate rewards or a sign-up bonus worth several hundred dollars.

With the American Express credit cards, you would need to spend $25,000 annually to earn rewards equivalent to the $500 sign-up bonus the U.S. Bank Business Cash Rewards World Elite^TM Mastercard® offers.

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

The following benefits are included on your card:

MasterRental car rental collision damage waiver: The issuer covers you in case of accident or theft on all rentals made worldwide. This coverage is primary, which means you won’t need to use your own personal car insurance or accept what the rental company offers. Coverage is limited up to $50,000.
Purchase assurance: The issuer may repair or reimburse for purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per item and up to $25,000 per year.
Extended warranty protection: The issuer will double the manufacturer’s warranty up to an additional one year on eligible warranties of five years or less. U.S. Bank will replace the item or reimburse you up to the amount charged on your card up to $10,000.

U.S. Bank business card reviews indicate this sole proprietorship business credit card includes perks similar to the American Express Blue Business® Plus. However, that card offers purchase protection on items that are damaged or stolen within 120 days of purchase.

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

This U.S. Bank business credit card doesn’t pay the best rewards return rate on office supply spending compared to some other credit cards for sole proprietors. Chase Ink Business Cash^SM, for example, pays 5% cash back on office supply expenses. However, that card’s introductory APR period only applies to purchases, and not balance transfers.

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

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

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

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

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

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

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

The Bank of America® Business Advantage Cash Rewards Mastercard® is best for sole proprietors who want to receive rewards for their gas purchases and pay no annual fee. This card pays 3% cash back on gas station spending—or one of five other spending categories. Plus, you can earn more rewards if you enroll in the Preferred Rewards for Business program. Ongoing variable APR is between 13.74% – 23.74%.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

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

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.74% – 23.74% Variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the transferred amount, whichever is greater

If your main concern in a credit card for sole proprietorship businesses is a balance transfer offer, it’s best to consider a different card on our list, such as the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®. That card offers an introductory 0% APR period for 15 billing cycles on both purchases and balance transfers.

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

This Bank of America business card pays 3% cash back on one of six reward categories, including gas station purchases. You can also earn a $300 statement credit after spending $3,000 within the first three months. If you’d rather earn travel rewards, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®.

Introductory Rewards

You will earn a $300 statement credit after you spend at least $3,000 within the first 90 days. When you compare this to Chase Ink Business Cash^SM or Chase Ink Business Unlimited^SM, this sign-up bonus falls short. Both of those cards have introductory rewards of $500 after spending $3,000 within 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.

With this card, you can earn reward bonuses by enrolling in the Preferred Rewards for Business program. When you enroll, you can earn an additional 25% to 75% rewards bonus on every purchase. This means you could earn up to 5.25% on gas spending. To earn the highest bonus rate (75%), you must have at least $100,000 in deposits or investments with the bank.

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

According to Bank of America card reviews, Bank of America doesn’t disclose any details of the card’s additional features until you receive the guide to benefits that comes with your card. However, we do know you’ll receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. If you want to receive top-tier additional benefits, consider a card like the American Express Blue Business® Plus credit card.

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

There are other cards on our list that offer better introductory and ongoing rewards compared to this card. However, the main advantage of this card comes from having an existing Bank of America bank account and by enrolling in the Preferred Rewards for Business program. If you don’t have an existing account and want a better rewards structure, consider Chase Ink Business Cash^SM.

U.S. Bank Business Platinum Card: Best for Low Introductory & Ongoing APR

On US Bank's Secure Website

U.S. Bank Business Platinum Card

0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 11.99% - 19.99%*
No annual fee*
Free employee cards

Zero fraud liability* protects you against unauthorized transactions

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	11.99% - 19.99% Variable	$0	Excellent

On US Bank's Secure Website

Only available within these states: AZ,AR,CA,CO,ID,IL,IN,IA,KS,KY,MN,MO,MT,NE,NV,ND,OH, OR,SD,TN,UT,WA,WI,WY, NM

The U.S. Bank Business Platinum Card is best for business owners who want low introductory and ongoing financing. It charges no interest on purchases and balance transfers for 12 billing cycles. After the introductory period ends, its ongoing variable APR is between 11.99% and 19.99%. This card offers no rewards program, but it’s mainly designed for business owners looking to save money on interest.

U.S. Bank Business Platinum Card Costs

Financing costs and fees on the U.S. Bank Business Platinum Card include:

Introductory APR: 0% APR on purchases and balance transfers for the first 12 billing cycles
Ongoing APR: 11.99% to 19.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

The U.S. Bank Business Platinum Card’s introductory APR period is identical to American Express Blue Business® Plus. However, we rank it lower on our list because it doesn’t offer any rewards.

U.S. Bank Business Platinum Card Rewards

This U.S. Bank business credit card offers no introductory or ongoing rewards. This is the only card on our list that does not offer rewards. If you want cheap introductory financing and the opportunity to earn rewards, consider the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

U.S. Bank Business Platinum Card Additional Features

The U.S. Bank Business Platinum Card comes with the following additional features:

Auto rental collision damage waiver: U.S. Bank will cover up to the cash value of the vehicle in case of accident or theft on car rentals made in the United States and most foreign countries.
Purchase protection: Covers new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per year.
Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year on warranties of three years or less. Coverage is limited to $10,000 per item.

U.S. Bank Business Platinum reviews show these additional card features are similar to what you would find on other business credit cards for sole proprietors. However, some issuers, such as American Express, provide more robust features.

What U.S. Bank Business Platinum Card Is Missing

The U.S. Bank Business Platinum Card does not offer any introductory or ongoing rewards. Earning rewards can help you put money back into your business. If you want to earn rewards, consider another card on our list that has a rewards structure, such as Chase Ink Business Cash^SM.

Discover it® Business Card: Best for Maximizing First-year Rewards

On Discover's Secure Website

Discover it® Business Card

Unlimited 1.5% Cash Back
Cash back Match - We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.
100% U.S. Based Customer Service

Free Employee Cards - Add employee cards with spending limits and earn rewards for all their purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	14.49% to 22.49% Variable	$0	Good - Excellent

On Discover's Secure Website

The Discover it® Business Card is best for sole proprietors who want to maximize their rewards during the first year. This card pays unlimited 1.5% cash back. Plus, Discover will match—or double—all rewards earned during your first year. This means for the first 12 months of card ownership, you will earn 3% cash back on all purchases. You’ll also receive no-interest financing for 12 months on purchases. Ongoing variable APR starts at 14.49%.

Discover it® Business Card Costs

Financing costs and fees on the Discover it® Business Card include:

Introductory APR: 0% for 12 months on purchases
Ongoing APR: 14.49% to 22.49% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: 5% of the transferred amount

If you’re looking to transfer a balance, this card is not right for you. Its introductory APR only applies to purchases made on the card, and it has a high balance transfer fee of 5%. Instead, consider the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®. That card’s balance transfer fee is 3% and offers an introductory 0% APR period for 15 billing cycles on purchases and balance transfers.

Discover it® Business Card Rewards

The Discover it® Business Card has a unique introductory offer. Discover will match—or double—all rewards earned during your first 12 months of card ownership. This card also pays 1.5% cash back, which means you’ll earn 3% cash back over your first year.

Introductory Rewards

Instead of a traditional introductory offer, Discover matches all cash-back rewards you earn over your first 12 months. After your first year, you’ll receive these rewards in the following one or two billing cycles. We have not reviewed a card that has a similar offer.

If your business charges more than $33,000 in purchases to credit cards in a year, this first-year bonus may prove more valuable than what you could earn from Chase Ink Business Unlimited^SM ($33,400 x 1.5% = $501). Chase Ink Business Unlimited^SM offers $500 when you spend $3,000 within the first three months.

Ongoing Rewards

You’ll earn 1.5% cash back on all purchases. With Discover’s cash-back match offer, you’ll be able to earn 3% cash back over your first year. However, this means this card is most valuable during those first 12 months. If you want a card with long-term value, we recommend Chase Ink Business Unlimited^SM. That card pays 1.5% cash back, has an introductory offer worth $500, and offers more additional card features, such as insurance.

Discover it® Business Card Additional Features

The Discover it® Business Card includes the following additional features:

Account lock: Allows you to freeze your account through the mobile app or website to prevent new purchases.
Late fee waiver: You’ll be charged no fee for your first late payment, but $37 thereafter.

Discover offers the fewest additional card features of any card on our list. Most business credit cards provide more perks, such as extended warranty and purchase protection. If you want a fixed-rate, cash-back card with more features, consider Chase Ink Business Cash^SM. That card offers a variety of additional features, including extended warranty protection, purchase protection, and car rental insurance.

What Discover it® Business Card Is Missing

Discover it® Business Card reviews agree this card carries a high balance transfer fee of 5% and doesn’t offer interest-free financing on balance transfers. Instead, consider the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®. With that card, you’ll receive an introductory 0% APR period on purchases and balance transfers for 15 billing cycles. Plus, it only charges a balance transfer fee of 3%.

Capital One® Spark® Cash Select for Business: Best for Annual Card Expenses Below $19,000

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

Capital One® Spark® Cash Select for Business

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that

No annual fee
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
$0 Fraud Liability if your card is lost or stolen
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 22.74% (Variable)	$0	Excellent, Good

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

Capital One® Spark® Cash Select for Business is best for sole proprietors who spend less than $19,000 annually on their credit cards. That’s the threshold at which you’d receive more benefit from the Capital One® Spark® Cash for Business, but that card charges a $95 annual fee. Capital One® Spark® Cash Select for Business pays unlimited 1.5% cash back, and its ongoing variable APR starts at 14.74%.

Capital One® Spark® Cash Select for Business Costs

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

Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.74% to 22.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: None

Capital One® Spark® Cash Select for Business offers an introductory 0% APR period that’s shorter than other cards on our list, such as Chase Ink Business Unlimited^SM. That card offers an introductory 0% APR period on purchases for 12 months. However, it does not allow for balance transfers.

Capital One® Spark® Cash Select for Business Rewards

This Capital One business credit card offers a one-time $200 cash bonus once you spend $3,000 on purchases within the first three months from account opening. It also pays unlimited 1.5% cash back on all spending.

Introductory Rewards

You’ll earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first three months from account opening. This falls short of other introductory rewards on our list. For example, Chase Ink Business Cash^SM and Chase Ink Business Unlimited^SM both offer $500 when you spend $3,000 within three months from account opening.

Ongoing Rewards

You’ll earn unlimited 1.5% cash back on all purchases. Chase Ink Business Unlimited^SM offers the same ongoing rewards. However, with that card, you can access a larger introductory reward and no-interest financing on purchases for 12 months. If you want to earn miles to redeem for travel instead of cash back, Capital One offers Capital One® Spark® Miles Select for Business.

Capital One® Spark® Cash Select for Business Additional Features

According to Capital One’s website, this card offers Visa® Business Benefits:

Extended warranty protection: Extends U.S. manufacturer’s warranty by up to one additional year on eligible warranties of three years or less.
Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account, per year.

These features are similar to other credit cards for sole proprietorship businesses on our list. However, most American Express business credit cards cover warranties of five years or less.

What Capital One® Spark® Cash Select for Business Is Missing

Capital One business card reviews agree this card is not designed for balance transfers, as its introductory 0% APR period applies to purchases only. If you need to transfer a balance, the U.S. Bank Business Cash Rewards World Elite^TM Mastercard® is a good alternative. That card offers no-interest financing for 15 billing cycles on both purchases and balance transfers.

Capital One® Spark® Classic for Business: Best for Fair Credit

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

Capital One® Spark® Classic for Business

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
No annual fee
Build and strengthen credit for your business by using this credit card responsibly

$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 1% cash back on all purchases
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	24.74% (Variable)	$0	Average, Fair, Limited