Credit Cards

Chase’s is designed for business owners who stay primarily at Hyatt hotels. You can earn premium points on purchases at all Hyatt hotels, get extra points from Hyatt for being a World of Hyatt member, and enjoy perks—such as Hyatt Discoverist status, free night awards, and tier-qualifying night credits. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the World of Hyatt Business Credit Card Is Best For Business owners who stay primarily at Hyatt hotels: This card offers up to 9 points per dollar spent on purchases at all Hyatt hotels and several perks, including annual Hyatt credit, 10% bonus points back, and Hyatt Discoverist status. Business owners who travel frequently: You can convert your World of Hyatt points into miles with any of World of Hyatt’s airline partners. World of Hyatt Business Credit Card Fees APRs Introductory APR: None Ongoing APR: 19.74% to 26.74% variable—adjusts with the prime rate My Chase LoanSM APR: 19.74% to 26.74% variable—adjusts with the prime rate Balance transfer APR: 19.74% to 26.74% variable—adjusts with the prime rate Cash advance APR: 28.74% variable—adjusts with the prime rate Default APR: Up to 29.99% Note that default APR will be applied immediately to all outstanding balances and future transactions to your account if you: Failed to make a Minimum Payment by the date and time that it is due. Made an unpaid returned payment. Fees Annual fee: $199 Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater Cash advance fee: $15 or 5% of the amount of each transaction, whichever is greater Foreign transaction fee: None Late and returned payments: $40 Return check: None World of Hyatt Business Credit Card Rewards 60,000 bonus points after you spend $5,000 on purchases in your first three months after account opening 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. 2 points per dollar spent on fitness club and gym memberships 1 point per dollar spent on all other purchases Automatic Hyatt Discoverist status for you and up to five employees 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year. How To Make Payments on the World of Hyatt Business Credit Card Online: Pay manually or sign up for automatic payments Chase Mobile® App: Manage your credit card payments through this app. Automated phone service: Call (800) 436-7958 or the customer service number on the back of your card or billing statement. ATM or branch: Pay at any Chase ATM or local branch. Western Union: Should you wish to pay your credit card bills through Western Union, make sure you use the “Code City WALNUT.” Note that it may take up to seven days for the payment to be reflected in your account. Mail: Mail a check or money order with your name and account number to: Cardmember Services PO Box 6294 Carol Stream, IL 60197-6294 World of Hyatt Business Credit Card Features $100 Annual Hyatt Credit You can earn a $50 statement credit per qualifying Hyatt purchase with this card up to two times each anniversary year for a total of $100. Qualifying Hyatt purchases are single transactions of $50 or more made at Hyatt hotels and resorts, including at participating restaurants, locations, Small Luxury Hotels properties, and on Lindblad Expedition experiences purchased directly through the World of Hyatt program. Hyatt Leverage Membership Cardholders will be enrolled in the Hyatt Leverage Program. You will receive a World of Hyatt Discoverist status for as long as your account is open. Employees added to your account won’t be enrolled and won’t receive the associated benefits of the Hyatt Leverage Program. Auto Rental Collision Damage Waiver Coverage is provided for theft and collision damage when you rent a car using your World of Hyatt Business Credit Card. Coverage is primary if the vehicle rental is for business purposes, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Rentals of 31 consecutive days or fewer are eligible, and you may be reimbursed for up to the cash value of the vehicle. Certain vehicles aren’t covered, such as trucks, motorcycles, vans designed to carry more than eight people, and recreational vehicles. Travel & Emergency Assistance If you’re traveling away from home and run into a problem, you may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. It’s important to note that this service will only connect you to the assistance needed—you will be responsible for the cost of any goods or services obtained. Trip Cancelation/Interruption Insurance You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares if your trip is canceled or cut short by sickness, severe weather conditions, or other covered situations. Purchase Protection Items that are damaged or stolen within 120 days of purchase are covered with purchase protection. Chase may repair, replace, or reimburse you for these items up to $10,000 per claim and $50,000 per year. Antique items, animals, living plants, motorized vehicles, computer software, consumables, jewelry, medical equipment, and preowned items are excluded from this coverage. Extended Warranty Protection Chase will extend the original manufacturer’s warranty by an additional year on warranties of three years or less up to a maximum of $10,000 per claim and $50,000 per account. To be eligible, you must have charged a portion of the purchase to your UnitedSM Business Card or used reward points to make the purchase. This warranty protection doesn’t cover motorized vehicles, real estate, medical equipment, computer software, used items, and leased items. Pros & Cons of the World of Hyatt Business Credit Card World of Hyatt Business Credit Card Alternatives Chase Ink Business Preferred® is an excellent alternative for business owners who have significant travel expenses but don’t need travel perks like airport lounge access or free expedited airport security screening. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. These reasons landed it a spot on our roundup of the top-ranking business credit cards for travel. Hilton Honors American Express Business Card The is a great option for business owners who stay primarily at Hilton hotels and resorts, want great lounge access, and don’t like foreign transaction fees. You can earn 12x points per dollar for purchases made directly with Hilton hotels and resorts, free weekend night rewards when you meet certain thresholds and 6x points per dollar spent on select business purchases like gas, United States wireless telephone services, and shipping within the US. These features are some reasons the card made it to our lists of the best business credit cards with airport lounge access and top business credit cards with no foreign transaction fee. Marriott Bonvoy Business® American Express® Card If you prefer to stay at Marriott hotels, consider getting a to earn Marriott Bonvoy rewards. It offers 6x points at participating hotels—which include all of the previous Starwood Preferred Guest and Ritz-Carlton properties—and 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. This card even made it to our list of the leading business credit cards with no foreign transaction fee. Bottom Line The is best for business owners who travel frequently and stay primarily at Hyatt hotels. If this isn’t what you’re looking for, visit our Credit Card Marketplace or take a look at our best small business credit cards guide to find one that’s right for your business.

The credit card is designed for business owners needing to build or improve their business credit while earning unlimited 1.5% cash back on all purchases. It has no annual fee and requires a security deposit of at least $1,000. The amount of the security deposit will determine your credit limit. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Is Best For Business owners with low credit scores: Since this is a secured business card, its primary requirement is a security deposit. This means you may still qualify as long as you can make a security deposit of at least $1,000. It can also help you build your credit with consistent on-time payments. Business owners who cannot qualify for unsecured business credit cards: The serves the same purpose as any regular unsecured business card. When used responsibly, you can build your credit history and eventually qualify for regular unsecured business credit cards. Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Fees APRs Introductory APR: None Ongoing APR: 22.99%, varies with the market based on the prime rate Cash advance APR: 24.99% Penalty APR: None Specific Fees Annual fee: None Balance transfer fee: $10 or 4% of the amount of each transaction, whichever is greater Foreign transaction fee: 3% of the U.S. dollar amount of each transaction Cash advance fee: $10 or 4% of the amount of each transaction, whichever is greater Late payment fee: $19 if balance less than or equal to $100 $29 for balances ranging from $100.01 to $1,000 $39 for balances ranging from $1,000.01 to $5,000 $49 for balances over $5,000 Return payment fee: None indicated How To Make Payments on the Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Online: Make a one-time payment or set up automatic recurring payments by signing in to online banking. Select the Bill Pay tab, click Go to Bill Pay, then follow the instructions provided. You can transfer money from your Bank of America® checking or savings account to your Bank of America® credit card. Check or money order: When sending payment via mail, include your name and credit card number on checks to avoid processing delays. Mail your payment, made payable to Bank of America, to the following address: Bank of America Business Credit Card PO Box 15796 Wilmington, DE 19886-5796 Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Rewards You can earn unlimited 1.5% cash back on all purchases, regardless of spending categories, and you can redeem your rewards as a deposit into your Bank of America® checking or savings account, a card statement credit, or a check mailed to you. There’s no annual cap on the number of rewards you can earn, and your cash rewards don't expire. Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Additional Features Overdraft Protection This is an optional service available to cardholders who have a Bank of America® business checking account. If you opt in, you just have to link your credit card to your checking account (done through Balance Connect™, the overdraft protection service). Doing so will prevent declined purchases, returned checks, and other overdrafts. Cash Flow Management Tools Bank of America® offers a suite of online services to help you manage your business. You can access online and mobile banking tools, set up automatic payments, make funds transfers, and download transactions into QuickBooks. Travel & Emergency Services This card offers travel benefits, including $100,000 in travel accident insurance. You’ll also have access to additional services—such as auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re traveling. Zero Liability Protection This protects you against unauthorized transactions. You’ll have additional protection for certain purchases against loss, damage, theft, and fire, and you can enjoy extended warranty coverage. In addition, the bank will block potential fraud if it detects abnormal patterns in your transactions and will notify you if it suspects any fraudulent activity. Pros & Cons Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card Alternatives Wells Fargo Business Secured Credit Card The is a great option if you prefer to make a lower security deposit. It offers a credit limit from $500 to $25,000, depending on your security deposit. You may still qualify for this card even if you have bad credit, making it our overall best business credit card for bad credit. It’s an excellent alternative if you don’t want your transactions reported to consumer credit bureaus. However, note that your payment and usage behavior will be reported to the Small Business Financial Exchange (SBFE)—helping you build business credit when you use the card responsibly. First National Bank of Omaha Business Edition® Secured® Visa Card The is best for those needing a credit limit of anywhere from $2,000 to $100,000. To qualify, you need to make a security deposit that’s equivalent to 110% of your desired credit limit. The good news is that you’ll earn interest on your security deposit based on the deposit account agreement. This card comes with a low annual fee of $39 and is one of our top-recommended business credit cards with instant approval. Capital One® Spark® Classic for Business is an unsecured business credit card designed for business owners who have fair or limited credit, making it our leading fair credit business credit card. It has no annual fee and offers unlimited 1% cash back on all eligible purchases regardless of spending categories. With consistent on-time payments, responsible use of this card can help you improve your credit score. It’s important to note that it comes with a high APR of 26.99%, so it’s best to pay off the balance for every billing cycle. Bottom Line If your current credit score cannot qualify you for a regular, unsecured business credit card, you may consider the card from Bank of America®. You can enjoy earning unlimited cash back without having to pay annual fees. Plus, it can help you build your credit when you use it responsibly. If this doesn’t fit the bill, visit our credit card marketplace and our guide to the best small business credit cards for options.

The is designed for business owners who run outdoor sports businesses, including fishing, boating, and camping. If you shop frequently at Bass Pro Shops and Cabela’s, you can enjoy a special annual percentage rate (APR) on your purchases without having to pay an annual fee. Additionally, you can use your card to make business-related purchases where Mastercard is accepted. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Capital One CLUB Business Mastercard® Is Best For Owners of outdoor sports businesses: The is best for use at Bass Pro Shops and Cabela’s—both of which sell outdoor recreation merchandise. Capital One CLUB Business Mastercard® Fees APRs Introductory APR: None Ongoing APR on purchases at Bass Pro Shops and Cabela's: 7.99% Ongoing APR on all other purchases: 15.49% to 27.24%—variable, adjusts with the prime rate Cash advance APR: 27.24% Penalty APR: 29.65%, applied if you make a late payment Fees Annual fee: None Balance transfer fee: 3% of the amount of each transferred balance Foreign transaction fee: None Cash advance fee: Either $10 or 4% of the amount of each cash advance, whichever is greater Late payment fee: Up to $40 Return payment fee: Not indicated How To Make Payments on the Capital One CLUB Business Mastercard® Via phone: Call the phone number on the back of your card Via AutoPay: Set up AutoPay online to make automatic monthly payments; there are three options: minimum payment, which varies every month; the balance amount indicated on your monthly statement; or a fixed monthly payment, with a minimum monthly fixed amount of $35 Via mobile app: Log in to your account, select your card, and tap “Make a payment.” At a Capital One branch: Visit any branch during business hours Via mail: Send a check or money order―include your name and credit card number on your payment to avoid processing delays―to the following address: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083 Capital One CLUB Business Mastercard® Rewards 5% back in CLUB points at Bass Pro Shops and Cabela’s 2.5% back in CLUB points at participating Cenex® convenience stores 1.5% back in CLUB points on all other purchases You can use your rewards to make purchases at Bass Pro Shops and Cabela’s, at their merchandising subsidiaries in the United States, and online at basspro.com or cabelas.com. You can also enroll in Pay with CLUB Points via the Bass Pro Shops or Cabela’s mobile app to redeem rewards at Bass Pro Shops hospitality locations—including Big Cedar Lodge, Big Cedar Golf, Big Cedar Restaurants, Bass Pro Shops Restaurants, Bass Pro Shops Angler’s Lodge, Big Cypress Lodge, Wonders of Wildlife, and Worldwide Trophy Adventures. Note that you may not redeem rewards for cash or as a statement credit. Capital One CLUB Business Mastercard® Additional Features Zero Fraud Liability You won’t be liable for any unauthorized charges in case your card or your employee’s card is lost or stolen. Make sure to lock your card or any of your employee's cards through the online account management system as soon as you find out it has been misplaced, lost, or stolen. Membership Offers Owning a credit card makes you an automatic CLUB member. As a CLUB member, you’ll have access to exclusive events, discounts, giveaways, and offers. You’ll also have access to exclusive hunting and fishing adventures all around the world or get a customized trip. Price Match If any price currently being offered by a local retailer or on a qualifying website is lower than the price offered by the Bass Pro Shops and Cabela’s, the Capital One CLUB Business Mastercard® will beat the price by 5% for the CLUB members at the time of purchase. Certain exclusions and limitations apply, as stated in the terms and conditions that come with your card. You may also go through its price match policy for full details. Purchase Records You can securely download your purchase records into multiple formats, including Quicken, QuickBooks and Excel, so that you can stay on top of your purchases. Plus, you’ll also get an itemized year-end summary report of your spending to simplify budgeting and make tax time easier. Pros & Cons of the Capital One CLUB Business Mastercard® Capital One CLUB Business Mastercard® Alternatives American Express Blue Business CashTM is also a no-annual-fee credit card that offers 2% cash back on all purchases up to $50,000 each calendar year, then 1% cash back thereafter. These rewards are credited to your statement automatically, making it one of the best cash back business credit cards available. You can also enjoy a 0% introductory APR on purchases for the first 12 months of card ownership. Chase Ink Business Cash® is one of our leading small business credit cards because it has no annual fee and offers a 0% introductory rate. It’s an excellent alternative if you have substantial expenses on office supplies, internet, cable, and phone services, where you can earn 5% cash back up to $25,000 each year. You can also get 2% cash back on the first $25,000 at restaurants and gas stations and 1% on all other business purchases. Capital One® Spark® Classic If you have a fair credit, then you can qualify for the credit card. With responsible usage and consistent on-time payment, it can help you grow your credit score while earning rewards without having to pay an annual fee. It offers a straightforward rewards program where you can earn 1% cash back on all purchases regardless of spending categories, making it one of our top-recommended business credit cards for fair credit. Bottom Line is a great option if you own or run an outdoor sports business. You can enjoy rewards and perks at the Bass Pro Shops and Cabela’s as well as their subsidiaries. Keep in mind that you can only use your rewards in these shops and not as a statement credit. For other options, visit our credit card marketplace.

Editor’s note: This is a recurring post with regularly updated card details. The best instant approval business credit cards are those that offer an approval decision within minutes and other benefits like introductory rewards, ongoing rewards, and an introductory annual percentage rate (APR). When choosing the best one for your business, consider the ongoing APR, annual fee, and additional features. Your options include regular business credit cards, charge cards, and secured business cards. Here are the six best instant approval business credit cards and what each is best for: : Best overall instant approval business credit card : Best charge card with generous introductory bonus : Best for business owners with fair credit : Best secured card with fast prequalification process : Best secured business card with ongoing rewards : Best for fuel expenses and businesses with fleets To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and choose up to two additional cards for comparison. American Express Blue Business CashTM: Overall Best Instant Approval Business Card Why we like it: The is our best overall instant approval business credit card because it has one of the most straightforward cash back rewards with no annual fee. You can earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then earn 1% cash back thereafter. This will be credited to your billing statement automatically. In addition, you can receive a $250 statement credit when you spend $3,000 within the first three months of card membership. The card comes with a 0% introductory APR on purchases for the first 12 months and is a great option if you make frequent purchases at Amazon—making it one of our best business credit cards for Amazon purchases. Note that you’ll need a good to excellent credit score for American Express to approve your application, but once done, you can start using the card immediately because nearly all American Express business cards offer instant card numbers. Capital One® Spark® Cash Plus: Best Charge Card With Generous Introductory Bonus Why we like it:  provides a substantial introductory bonus of up to $1,000 cash in the first six months of card ownership. Spend at least $5,000 in the first three months and earn $500—then after spending $50,000 in the first six months, receive another $500. You can also earn unlimited 2% cash back on your business-related purchases and unlimited 5% cash back on hotels and car rentals booked through Capital One Travel. Keep in mind that this is a pay-in-full card, which means your balance is due in full each month, and it has an annual fee of $150. It has no preset spending limit, making it an excellent option if you want flexible buying power, and your credit limit adjusts based on your usage, payment behavior, and credit history. Note that you need to have an excellent credit score to get approved instantly. Capital One® Spark Classic® for Business: Best for Business Owners With Fair Credit Why we like it: If you have fair credit, can help you finance your small business while your earn rewards and grow your credit score if you use it responsibly. You’ll receive an unlimited 1% cash back on all purchases and 5% cash back on hotels and car rentals booked through Capital One Travel. The card doesn’t have an annual fee, helping you reduce your overall credit cost. According to Capital One’s website, you’ll often get a response within 60 seconds if you apply by phone or online. However, a credit check is required to determine approval. The good news is that you only need a fair credit score to be approved. The Capital One® Spark® Classic for Business is our best business credit card for fair credit and startup businesses. First National Bank of Omaha Business Edition® Secured® Visa Card: Best Secured Card With Fast Prequalification Process Why we like it: The is a secured credit card that allows you to prequalify online. If you have bad credit, you can check if you can prequalify in as quick as one minute. It’s one of our top-recommended bad credit business credit cards because it comes with a low annual fee of $39 and offers a high credit limit option. Once qualified, you can request a credit limit of $2,000 to $100,000, in multiples of $50. Since this is a secured credit card, you need to make a security deposit of 110% of the amount of your credit limit, subject to approval. You’ll also earn interest on your security deposit, so it’s a great way to save your extra business funds. However, it doesn’t offer a sign-up bonus or ongoing rewards on your purchases, unlike the other cards on our list. Wells Fargo Business Secured Credit Card: Best Secured Card With Ongoing Rewards Why we like it: The is great for business owners with bad credit who want ongoing rewards. You can either earn 1.5% cash back or 1x point per dollar on qualifying purchases. If you choose to earn points rewards, you’ll receive 1,000 bonus points every billing cycle when you spend at least $1,000 on eligible purchases. Additionally, you can enjoy earning unlimited rewards without having to pay an annual fee. This landed it a spot in our roundup of the best secured business credit cards. This card requires a security deposit ranging from $500 to $25,000―similar to the First National Bank of Omaha Business Edition® Secured® Visa Card―), and the amount of your security deposit will determine your credit limit. Using this card responsibly can help you build your business credit because Wells Fargo reports your transactions to the Small Business Financial Exchange (SBFE). However, it cannot help to improve your personal credit as it doesn’t report to the major consumer credit bureaus. For a quick application process, you need to have an eligible Wells Fargo business checking or savings account. Shell Small Business Card: Best for Fuel Expenses & Businesses With Fleets Why we like it: If your business has significant fuel expenses, or if you own fleet vehicles, you may want to consider the . It has no setup, monthly, or annual fees and is accepted at more than 14,000 Shell stations across the US. You can earn rebates of up to six cents per gallon at Shell stations and get discounts at participating Jiffy Lube® locations. It’s worth noting, however, that you can only use it at Shell stations as it isn’t affiliated with either Visa or Mastercard. The Shell Small Business Card doesn’t require a personal guarantee, making it one of the best business cards with no personal guarantee. Plus, it allows you to carry a balance each month with interest. Depending on your credit score and the document presented, you may receive conditional approval and an immediate decision on your application. How We Evaluate Business Credit Cards With Instant Approval When choosing the best instant approval business credit cards, we take into account the application process, whether online application or pre-qualification is available, and the requirements, fees, rewards, and features. We also included charge cards and an exclusive cobranded credit card on the list as these options may still be helpful for your business, depending on your needs and expenses. Bottom Line Banks and card issuers don’t offer instant approval for business credit cards—in the brief time between application and the approval decision, the issuer is rapidly verifying your credit and identity. However, these on our list offer an easy application process and fast decisions, usually in less than a minute, which is as close to instant approval as you’ll find when shopping for any form of business financing. Before applying for an instant approval business credit card, be sure that your credit score—poor, fair, good, or excellent—aligns with the card’s requirements. If you’d like to see a broader selection of cards, see our guide to the best small business credit cards.

is a charge card best for businesses in the tech and life sciences industries and those wanting to pay bills daily or monthly. While the issuer doesn’t charge any annual fees, it doesn’t have an interest-free financing scheme. Payments to your card will be deducted directly from your Brex Cash account balance. If you wish to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Brex Business Card Is Best For Business owners wanting to pay daily or monthly: Those whose budget is laid out on such a basis would want to consider getting the Brex Business Card as it lets you pay your bills daily or monthly. IT and tech or life science businesses: Businesses in the tech or life sciences industry will find the card advantageous as it offers comprehensive perks for both types (discussed in detail in our rewards section below). Brex Business Card Paid Daily vs Monthly Brex Business Card is one of the few cards that offer daily or monthly payments. Below, we highlight the differences between paying your daily or monthly in terms of qualifications, credits, limits, rewards, and costs. Brex Business Card Fees This is one of the few business cards that doesn’t have APRs for new and existing business cardholders and fees when you pay your bills at a later time. It should be noted that while Brex and its partner banks don’t charge fees to send or receive international wires, third-party banks may cover costs. Brex Business Card Rewards Receive a welcome offer: Get a $250 Amazon gift card after spending $1,000 on your card Redeem Brex points for miles and save on travel with the following airlines: Aeromexico, Air France KLM, Avianca, Singapore Airlines, Emirates, Asia Miles, and Qantas Get additional rewards: For members with a Brex Cash account making daily payments, you get 8x on rideshare, 5x on Travel, 4x on restaurants, 3x on eligible Apple purchases through the Brex Rewards Portal, 1.5x on ads, 1x on everything else It also offers comprehensive rewards for tech and life science businesses. Brex doesn’t put a cap on how many points cardholders can earn—when your business grows, so does your Brex Business Card. This is unlike other card programs that cut off the multipliers after hitting a certain spending limit. The redemption rate for gift cards and travel is 1 cent per point ($1 per 100 points). How To Make Payments in the Brex Business Card Daily: Payment will be made directly from your Brex Cash account balance Monthly: Payment will be billed monthly and can be paid with your chosen account Brex Business Card Additional Features Protection Against Fraudulent Transactions Brex allows you to file a dispute for fraudulent transactions through its mobile app, letting you terminate the card automatically. You’ll receive an email regarding your dispute’s status anywhere from one to two business days, though some cases’ resolutions take 90 days. Requesting a new card takes anywhere from five to seven business days. Expense Tracking Aside from offering unlimited virtual cards to your employees, Brex has a powerful expense tracking system. It tracks all of your expenses, matches receipts automatically, and roots out excess spending. Software Discounts Get discounts when using your Brex Card to pay for purchases from Amazon Web Services (AWS): Up to $100,000 credits through AWS Activate, on top of the $5,000 AWS credits for all new Brex customers Apple: 3x cash back on eligible purchases—including Watch, Mac, iPhone, and iPad QuickBooks: 30% off on your first 12 months Slack: 25% discount for 12 months of eligible plans Google Ads: Up to $150 in Google Ads credit Freshworks: $10,000 credits on its suite of products Pros & Cons of the Brex Business Card Brex Business Card Alternatives Capital One® Spark® Cash Plus is a good alternative for business owners who want to pay their balance in full every month but want better cash back rewards. Aside from the 2% cash back on all business-related purchases without limits and category restrictions, it offers a signup bonus of up to $1,000 in the first six months after opening an account, $500 after you spend $5,000 in the first three months, and $500 after you spend $50,000 in the first six months. It’s one of our leading instant approval business credit cards, though excellent credit is required in applying. Chase Ink Business Cash® is best for new businesses that are in the process of setting up an office. It offers 5% cash back on office supplies, internet, cable, and phone of up to $25,000 for each account anniversary and a welcome offer of $750 cash back reward after spending $7,500 on purchases within the first three months after opening an account. These reasons make it our top pick for the best business credit cards for startups. American Express Blue Business CashTM is best suited for those who want better cash back rewards as it offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% after that. Cardholders can also earn a $250 statement credit after spending $3,000 in qualifying purchases within the first three months of account opening, which is why the card made our list of the top-recommended cash back business credit cards. Bottom Line The is one of the few charge cards that let business owners pay in full daily or monthly as it’s connected to their active Brex Cash account. It’s a great card for those whose budget was set for monthly payments of expenses and businesses in the tech and life sciences industries that are building their credit. If it isn’t right for you, check out our credit card marketplace or head over to our guide on the best small business credit cards to find one that suits your business type and preferences.

Editor’s note: This is a recurring post with regularly updated card details. The best business credit cards with no foreign transaction fee offer premium cash back or travel rewards and perks—like free checked baggage, online reporting, and purchase insurance. To choose the right business credit card with no foreign transaction fee, you need to consider the type of rewards you prefer to earn, the card’s additional features, and whether you’re willing to pay annual fees. Here are the nine best business credit cards with no foreign transaction fees: : Overall best no foreign transaction fee business credit card : Best for easy miles rewards : Best for luxury travel and airport lounge access : Best for shipping and online advertising : Best for stays at Marriott properties outside the United States. : Best for stays at Hilton hotels and resorts outside the US. : Best for one free checked bag and priority boarding : Best for stays at Wyndham hotels and resorts outside the US. : Best for credit building and earning fixed-rate cash back To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Bank of America Business Advantage Travel Rewards World Mastercard®: Overall Best No Foreign Transaction Fee Business Credit Card Why we like it: The is our best overall business credit card with no foreign transaction fee because it offers an easy rewards program with no annual fee. You get 1.5x points for every dollar spent on any business purchase, and if you book your travel through the Bank of America® Travel Center, you earn 3x points for every dollar spent. If you have a business checking account with Bank of America and qualify for its highest tier, Preferred Rewards for Business, you can earn up to 75% more points on every purchase. Plus, it offers a sign-up bonus of 30,000 points if you spend $3,000 within the first three months of card ownership and comes with no annual fee and a low starting APR of 12.49%, which is the lowest APR among all other cards on this list. Because of those reasons, this card is also one of our top-recommended business credit cards for travel. Other important benefits of the Bank of America Business Advantage Travel Rewards World Mastercard® include Overdraft protection: If you have a Bank of America business checking account, you can link your credit card through Balance Connect™ to help prevent declined purchases, returned checks, or other overdrafts. Cash flow management tools: The card comes with several online services that can help you manage your business smoothly, including automatic payments, transfers, and QuickBooks integration. Travel and emergency services: You can take advantage of travel services, such as travel accident insurance of up to $1 million, lost luggage reimbursement, trip cancelation coverage, and trip delay reimbursement. Capital One® Spark® Miles for Business: Best for Easy Miles Rewards Why we like it: The is a great option if you prefer a card with a low annual fee and want to earn unlimited travel rewards that can be redeemed for flights, hotel stays, and vacation packages. Earn an unlimited 2x miles on every business purchase and 5x miles when you book with Capital One Travel for hotel and rental cars with no blackout dates, seat restrictions, or minimum miles to redeem. Capital One also allows you to transfer miles to any of its 15+ travel partners. As a welcome bonus, earn 50,000 miles―equal to $500 in travel―when you spend at least $4,500 within three months from opening an account. The card comes with a low annual fee of $95, which is waived for the first year. Its easy yet generous rewards program made it our best leading credit card for miles. Keep in mind, however, that it comes with a high APR of 21.24% and doesn’t offer a no-interest introductory period. Here are the other benefits of the Capital One® Spark® Miles for Business: $100 travel credit: You’ll receive up to $100 credit for Global Entry or TSA PreCheck® every four years. Capital One lounge access: Get two complimentary visits per year at any of the Capital One lounges, such as Dallas-Fort Worth, Denver, and Washington, D.C. Extended warranty and protection: Receive additional warranty and protection on eligible items purchased with your card. American Express Business Platinum Card®: Best for Luxury Travel & Airport Lounge Access Why we like it: The is one of the top business credit cards for luxury international travel. Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Plus, you can earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. As a sign-up bonus, you’ll receive 120,000 points when you spend $15,000 within the first three months of card membership. In addition, you’ll enjoy a 0% introductory APR for 12 months on purchases that are eligible for the Pay Over Time feature. You can also access over 1,400 airport lounges globally, making it our best business credit card with airport lounge access. This, along with other travel benefits, justifies the card’s high annual fee of $695. Other benefits you can enjoy with the American Express Business Platinum Card® include $200 airline fee credit:Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline. 35% points back: Receive 35% points back, up to one million points per year, when you use your rewards to book an eligible flight with Amex Travel. Trip delay, cancelation, and interruption insurance: You’re covered with insurance in case your trip is canceled, interrupted, or delayed for more than six hours due to a covered reason (check the terms and conditions manual that comes with the card for complete details). Chase Ink Business Preferred®: Best for Shipping & Online Advertising Why we like it: The card is best for small businesses that spend a lot on international shipping and online advertising. You can earn 3x points per dollar on the first $150,000 in combined purchases per year spent on shipping and advertising on social media and search engines, as well as on internet, cable, phone, and travel. What’s more, you can earn 1x point per dollar on all other purchases. You can even earn 100,000 bonus points when you spend $15,000 in the first three months of card ownership. The card comes with a low annual fee of $95; however, unlike the Capital One® Spark® Miles for Business, it doesn’t waive the annual fee for the first year. It’s also worth noting that this doesn’t offer an introductory 0% APR. But if you’re a consultant who travels internationally frequently, it may be a good fit as it’s named the best business credit card for consultants. Here are the other advantages of the Chase Ink Business Preferred® card: Points are worth 25% more for travel: When you redeem your rewards for travel through Chase Ultimate Rewards®, your points are worth 25% more. Transfer of points are allowed: You can transfer points to leading frequent travel programs at full 1:1 value, meaning 1x point is equal to 1x partner mile. Trip cancelation and interruption insurance: When you use your card to pay for a trip, you’re covered with insurance in case that trip is canceled or interrupted. Marriott Bonvoy Business® American Express® Card: Best for Stays at Marriott Properties Outside the US Why we like it: If you enjoy staying at Marriott hotels when doing business abroad, earn points with the and redeem them toward any participating Marriott hotel worldwide. You can earn 6x points at any participating Marriott Bonvoy hotels, 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Plus, 2x points on all other eligible purchases. You can also get 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership. The card offers tons of travel perks with a low annual fee of $125. You can enjoy one free night stay each year after your account anniversary, and another free night after spending $60,000 in purchases in one calendar year. In addition, you’ll receive complimentary Marriott Bonvoy Gold Elite status, take advantage of priority late checkout when available, and get 10% bonus points on stays. Here are the other benefits of the Marriott Bonvoy Business® American Express® Card: Premium internet access: Enjoy a complimentary in-room, premium internet access while staying at hotels participating in the Marriott BonvoyTM program. Marriott Bonvoy Air+Car Transfer program: This program allows you to redeem your rewards points for flights and car rentals across hundreds of travel partners around the world. Purchase protection: When you charge an eligible purchase on your card, your purchased item is covered with purchase protection for up to 90 days from the purchase date when stolen or damaged. Hilton Honors American Express® Business Card: Best for Stays at Hilton Hotels & Resorts Outside the US Why we like it: The offers the best deal for business travelers who prefer to stay at Hilton locations. You can earn 12x points for purchases made directly with Hilton hotels and resorts and 6x points from restaurants, gas stations, wireless phone services, shipping, flights booked directly with airlines or with Amex Travel, and select car rentals. You’ll also earn 3x points on all other purchases, including foreign transactions. For a low annual fee of $95, you can get a complimentary Hilton Honors Gold Status and enjoy more perks like an 80% bonus on all base points and space-available room upgrades. Additionally, receive a free night after spending $15,000 in a calendar year. Here are the other benefits offered by the Hilton Honors American Express Business Card: 10 complimentary Priority Pass visits: Receive 10 complimentary visits to a selection of over 1,200 airport lounges each year when you enroll in Priority Pass™ Select Membership. Upgrade to Diamond status: Spend $40,000 in a calendar year to get Hilton Honors Diamond status through the end of the next calendar year. Extended warranty: Extend the original manufacturer’s warranty for up to one additional year for warranties of five years or less when you use your card to make the purchase. UnitedSM Business Card: Best for One Free Checked Bag & Priority Boarding Why we like it: If you take international business trips with United Airlines frequently, you can earn lucrative rewards with the . It’s a great option for travelers who check in a bag when flying, as it offers free checked bags—one for you and another for one traveling companion—allowing you to save up to $140 per roundtrip. In addition, cardmembers can take advantage of priority boarding when flying United-operated flights and two United ClubSM one-time passes each year—all for a low annual fee of $99. It offers 2x miles per dollar spent on United purchases, including flights, 2x miles per dollar spent on dining, gas stations, office supplies, and commuting, and 1x mile on all other purchases. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. You can also enjoy the following travel benefits: 25% cash back on inflight purchases: Receive 25% back as a statement credit on purchases for food, beverages, and Wi-Fi on board United-operated flights. $100 United travel credit: Earn a $100 United travel credit after charging seven United flight purchases of $100 or more within each card anniversary year. Anniversary bonus: Receive 5,000 bonus miles each account anniversary year. Wyndham Rewards Earner® Business Card: Best for Stays at Wyndham Hotels & Resorts Outside the US Why we like it: The is a good fit for business owners who primarily stay at Wyndham hotels and resorts. You can earn 5x points per dollar spent at Hotels by Wyndham and on qualifying gas purchases. You also get 2x points per dollar spent on dining and groceries, 1x point on all other purchases, and 30,000 bonus points when you spend $1,000 on purchases in the first 90 days of card ownership. You can redeem your points at participating Wyndham Rewards properties and for online shopping and gift cards. With a low annual fee of $95, you’ll receive an automatic Wyndham Rewards Gold level status and benefit from perks like free Wi-Fi, preferred room selection, and late checkout. On top of that, you can also take advantage of the 0% introductory APR for six months on Wyndham timeshare purchases and 15 billing cycles on balance transfers. Other advantages of the Wyndham Rewards Earner® Business Card include Annual bonus: Spend at least $15,000 each year and earn 7,500 bonus points. go free® awards: Receive a 10% redemption discount when redeeming your rewards for go free®. Discounted nights: Enjoy discounted night stays that start at 1,500 points plus some cash at participating properties. Capital One® Spark® Classic for Business: Best for Credit Building & Earning Fixed-Rate Cash Back Why we like it: The is a straightforward business credit card that offers fixed 1% cash back on all purchases regardless of spending categories. You can also earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. The card is suitable for business owners who have fair or limited credit, and you can build credit when you use it responsibly and make consistent on-time payments. It allows you to earn unlimited rewards while helping you improve your credit score without having to pay an annual fee. Keep in mind, however, that the APR for this card is quite high at 26.99%, so it’s best to treat this card as a charge card and pay the balance each statement period to avoid unnecessary interest expenses. You can also take advantage of the following benefits: Extended warranty: Receive free additional warranty and protection on eligible items that you purchase with your card. Roadside assistance: Take advantage of services that can help you during auto-related emergencies—these services include jump-starting, tire changing, and towing. Downloadable purchase records: You can securely download your purchase records into different formats, including Quicken, QuickBooks, and Excel. How We Evaluated Business Credit Cards With No Foreign Transaction Fee Most business travel credit cards have no foreign transaction fee; however, we only selected cards with strong travel rewards, flexible use, cash back rewards, and no limitations on purchases. While we prioritized cards that charge low annual fees, we also included one card with a high annual fee because the travel perks it offers justify the fee. Bottom Line The best business credit cards with no foreign transaction fees are those designed for travel and offer some of the best rewards. Before choosing a no foreign transaction fee business credit card, make sure to compare the rates, fees, and other travel perks. You may also consider other small business credit cards to find the most suitable one for your business.

Editor’s note: This is a recurring post with regularly updated card details. If you want a business credit card that won’t affect your personal credit score, consider one of the best business credit cards that don’t report to personal credit bureaus. To choose the right one, evaluate essential factors like the terms, fees, rewards, and redemption options. Remember that using this type of business credit card can’t help build your personal credit. Here are the seven best business credit cards that don’t report to personal credit bureaus: : Overall best credit card that doesn’t report to personal credit bureaus : Best for low starting annual percentage rate (APR) : Best for long introductory 0% APR : Best for gas expenses and recurring Costco purchases : Best for earning cash back rewards with 0% APR on purchases and balance transfers : Best for owners with bad or limited credit : Best for traveling frequently with American Airlines To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Wells Fargo Business Platinum: Overall Best Credit Card That Doesn’t Report to Personal Credit Bureaus Why we like it: We chose the as the best overall business credit card that doesn’t report to consumer credit bureaus because of its rewards flexibility. It allows you to choose points-based rewards or cash back. You can earn either 1.5% cash back on any qualifying business purchases or 1 point for every $1 spent. If you opt for points, as a bonus, you earn an additional 1,000 points each billing cycle that you spend at least $1,000. This card is also named one of our leading business credit cards for self-employed because of its flexible rewards options. Earn a one-time $300 cash back bonus or 30,000 bonus points when you spend at least $3,000 in the first three months after opening an account. Also, enjoy interest-free financing on purchases for the first nine billing cycles. It comes with no annual and foreign transaction fees, so using this card can reduce your overall credit cost. Keep in mind that Wells Fargo reports your credit history to the business credit bureaus, helping you build business credit when you use the card responsibly. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Starting APR Why we like it: The has the lowest starting APR among the other cards on this list, making it a great option if you tend to carry a balance from time to time. It has no annual fee and offers a fixed 1.5% cash back on all eligible business purchases with no limit to the amount you can earn. In addition, you’ll receive a sign-up bonus of $400 if you make at least $3,000 in eligible purchases in the first three billing cycles. After opening an account, you’ll also enjoy interest-free financing on purchases for the first nine billing cycles. This card made it to our list of the best business credit cards with no annual fee because of its low ongoing APR and simple rewards program. U.S. Bank Business Platinum Card: Best for Long Introductory 0% APR Why we like it: If you plan to make a significant purchase or consolidate your debts from other credit cards, the is your best choice. Among all other business credit cards on this list, this offers the longest introductory 0% APR period of 20 months. It also comes with a low starting APR and no annual fee and is our top choice for the best business cards with 0% APR. For eligible account holders, it offers ExtendedPay, which provides a new payment option that allows you to divide qualified credit card purchases into affordable monthly payments with no interest―only a fixed monthly fee. Keep in mind, however, that the card doesn’t have introductory and ongoing rewards. Costco Anywhere Visa® Business Card: Best for Gas Expenses & Recurring Costco Purchases Why we like it: If your small business frequently shops at Costco or Costco.com, you can earn premium rewards from the . It’s also a great option if you have frequent fuel expenses, making it one of our top-ranking small business fuel cards. It offers 4% cash back on gas purchases at eligible gas stations nationwide, including Costco, for the first $7,000 per year, then 1% thereafter. Earn 3% cash back on travel and dining expenses, 2% cash back on purchases from Costco and Costco.com, and 1% on all other purchases. Keep in mind that cash back redemption isn’t as convenient with this card compared to other business credit cards. Rewards are given annually as a certificate, which is redeemable for either cash or Costco merchandise at a Costco warehouse. While there’s no annual fee, you need to pay for a Costco membership to qualify for this card. Citi will report your credit history to the business credit bureaus. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Cash Back Rewards with 0% APR on Purchases & Balance Transfers Why we like it: The offers 3% cash back on eligible net purchases at gas stations, office supply stores, restaurants, and cellphone service providers, and then 1% cash back on all other purchases. You’ll also receive a $500 bonus cash back after you spend $4,500 on eligible purchases within the first 150 days of card ownership. This card is one of our leading cash back business credit cards because it has no annual fee, low ongoing APR, and offers a generous rewards program. You can also take advantage of interest-free financing on both balance transfers and purchases for the first 15 billing cycles. While this is shorter than the U.S. Bank Business Platinum card’s 20-month 0% period, the 15-month zero-interest period is still one of the longest introductory rates available. In addition, you can earn unlimited cash back rewards on eligible purchases, unlike the U.S. Bank Business Platinum Card, which doesn’t offer rewards. Wells Fargo Business Secured: Best for Owners With Bad or Limited Credit Why we like it: Although you’ll need a Wells Fargo business checking account to apply for the card, it’s your best option if you have poor or limited credit. You need to make a security deposit that ranges from $500 to $25,000, which will determine your credit limit. It’s our best business secured credit card because it has no annual fee and offers flexible rewards options. Just like the Wells Fargo Business Platinum, you can choose how you’d like to earn rewards. You can earn 1.5% cash back on any qualifying purchases or 1x point for every $1 spent. If you opt for points, you earn an additional 1,000 bonus points each billing cycle that you spend at least $1,000. Wells Fargo reports your payment and usage behavior to the Small Business Financial Exchange (SBFE), helping you build business credit. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for Traveling Frequently With American Airlines Why we like it: The is best for business owners who travel frequently with American Airlines but don’t want their card activities reported to personal credit bureaus. You can earn 65,000 American Airlines AAdvantage® bonus miles after making at least $4,000 purchases within the first four months of card membership. The annual fee of $99 is waived for the first year. Additionally, you can earn 2x miles for every dollar spent on eligible American Airlines purchases and expenses at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. You’ll also earn 1x mile for every dollar spent on all other purchases. Aside from these rewards, you can also enjoy travel perks, such as a free checked bag, in-flight savings, priority boarding, and access to airport lounges. This card is also one of our top-recommended business credit cards for miles. Pros & Cons of Using Business Credit Cards That Don’t Report Personal Credit How We Evaluated the Best Business Credit Cards That Don’t Report to Personal Credit When choosing the best business credit cards that don’t report to personal credit bureaus, we looked at the strongest features, including fees, regular APR, introductory bonuses, introductory rates, ongoing rewards, and other benefits. Bottom Line When you’re searching for a business credit card that doesn’t report to personal credit ​​​​bureaus, be sure that the rates and reward structure are a good fit for your small business and make use of free financial tools that are included with online and mobile banking to stay on top of your business finances. You can also take advantage of the introductory bonuses and 0% APR period offered by some issuers. If you’d like to see a wider selection of cards, check out our best small business credit cards.

Editor’s note: This is a recurring post with regularly updated card detail When choosing the best fuel cards for small businesses, consider the number of fueling sites where you can use the card, rewards, and redemption methods. The best ones let you save money through discounts or rebates at gas stations or via points or cash back rewards on gas purchases. Your options include regular credit cards, charge cards, co-branded gas cards, and fleet cards. The best fuel cards for small businesses are: : Best overall fuel card for small businesses : Best for sole proprietorships and startups : Best for 4% cash back rewards at Costco gas stations : Best for 5% on GM dealership parts and services and 3% on gas and restaurant purchases : Best charge card for use at major gas stations : Best fuel business card with no personal guarantee : Best for fuel rebates at Chevron and Texaco gas stations : Best fleet card for use at ARCO gas stations : Best for small and mid-sized fleets that fuel up at BP and Amoco stations : Best fleet card with no setup and annual fees To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. General Purpose Cards With Gas Rewards General purpose credit cards with gas rewards are credit cards that offer premium rewards on gas expenses and can be used for any business-related purchase. We’ve included general-purpose business credit cards with no annual fee and low starting annual percentage rate (APR). U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Overall Fuel Card for Small Businesses Why we like it: The is our best overall business fuel card because it offers 3% cash back at any gas station. You’ll also earn 3% cash back on dining, office supplies, and mobile phone services and 1% cash back on all other purchases. There’s no limit to the number of rewards you can earn, making it one of the best cash back business credit cards. It has no annual fee and a low starting APR of 18.24%. Another factor that makes this card the best overall fuel card is that it offers 0% APR for the first 15 billing cycles on purchases and balance transfers—the longest interest-free period among all the cards on this list. It also offers an introductory bonus of $500 cash back if you spend $4,500 within the first 150 days of opening your account. Chase Ink Business Cash®: Best for Startups & Sole Proprietorships Why we like it: The card gives you 2% cash back on the first $25,000 spent at gas stations and restaurants each account anniversary. You’ll also earn 5% on the first $25,000 spent on office supplies, internet, cable, and phone services and 1% on all other business purchases. If you don’t need reporting features or employee purchase controls that come with fuel cards, this is a good choice. You can also take advantage of the 0% introductory APR on purchases for the first 12 months of card ownership. As a new cardholder, you can earn a $900 bonus cash back after you spend $6,000 within the first three months. Redeem rewards 1) for travel, cash back, and gift cards; and 2) at the Apple Ultimate Rewards® store. This card is also one of our top recommended business cards for startups because of its substantial rewards with no annual fee. Costco Anywhere Visa® Business Card by Citi: Best for 4% Cash Back Rewards at Costco Gas Stations Why we like it: If you’re a Costco member who’s already getting a deal by filling up at Costco gas stations, you could get an even better deal when you pay with the . You’ll earn 4% cash back for the first $7,000 each calendar year on gas purchases at eligible gas stations, including Costco, then 1% after that. You also get 3% cash back on restaurants and eligible travel purchases, 2% on nonfuel purchases from Costco and Costco.com, and 1% cash back on all other purchases. Even if this is a cobranded card, you can use this for other business-related purchases anywhere Visa® is accepted. There is no annual fee outside of your Costco membership, and there’s no foreign transaction fee on international purchases. Your rewards will be given as an annual credit card reward certificate for redemption only at a Costco warehouse, not online. Rewards can be redeemed for either cash or Costco merchandise. GM Business CardTM: Best for 5% on GM Dealership Parts and Service & 3% on Gas and Restaurant Purchases Why we like it: If you drive a Chevrolet, GMC, Cadillac, or Buick, you can earn 5% cash back on parts and service from your local GM dealership with the  from Marcus by Goldman Sachs. You can also earn 3% cash back on gas, restaurants, and office supply stores and 1% on all other purchases. Spend $4,000 in your first three months of card ownership and receive $500 to redeem at GM toward the purchase or lease of an eligible new GM vehicle. This card also offers an interest-free period on purchases for the first 12 months and comes with no annual fee, balance transfer fee, and cash advance fee. You can set unique spending limits on employee cards and take advantage of simple online tracking of your transactions. Gas Station-specific Fuel Cards Gas station-specific fuel cards include charge cards and credit cards that can be used in specific service locations and gas stations. Usually, these cards are neither Visa nor Mastercard, so you may not be able to use them for purchases at other stores. 76® Universal Card: Best Charge Card for Use at Major Gas Stations Why we like it: The best thing about the is that while it’s a gas station-specific card, it’s accepted at 95% of US gas stations and over 45,000 service locations nationwide. You can save up to 7 cents per gallon if you fill up at 76®, Conoco®, and Phillips 66® locations. Note that it’s a charge card and not a credit card, so you must pay your balance in full each month. One of its best features is its ability to generate automatic fuel accounting and reports. This lets you view all transactions made with your card, so you can manage vehicle-related costs and plan budgets. Qualified businesses will also have access to tax exemption reports, which include exemptions that can be applied to your account. Further, customer service is available 24/7 as is roadside assistance for cardholders. Shell Small Business Card: Best Fuel Business Card With No Personal Guarantee Why we like it: Small businesses that earn at least $1 million in annual revenue can qualify for the . You can earn rebates of up to 6 cents per gallon at Shell Stations and get discounts at participating Jiffy Lube stations for oil changes and preventative maintenance. This is best for business owners who want a dedicated fuel card business card with no personal guarantee. It’s important to note that it isn’t affiliated with either Visa or Mastercard and can only be used at more than 14,000 Shell stations and participating Jiffy Lube locations across the country. It has no setup, monthly, or annual fees, and you can carry a balance each month with interest. It offers access to detailed reports online, including purchase controls and data analytics, and to 24/7 customer service. Chevron Texaco Business Access Card: Best for Fuel Rebates at Chevron & Texaco stations Why we like it: You can save up to 6 cents per gallon starting at five gallons when you gas up at nearly 8,000 Chevron and Texaco stations with the . Unlike the Shell Small Business Card that’s only accepted at Shell stations and select Jiffy Lube locations, this card isn’t exclusive for use at Chevron and Texaco—it’s accepted at most major fuel stations across the US. Similar to the 76® Universal Card, this is a charge card and not a credit card, so there’s no ongoing APR because your balance is due every month. While there’s no annual fee, you’ll be charged a $2 monthly fee and a one-time $40 setup fee. With online account management, you can set spending limits for employees and view reports on purchase activity and financial summaries. Small Business Fleet Cards Small business fleet cards are business credit cards and charge cards designed for business owners who own more than two business vehicles. These cards offer rewards on fuel expenses and automatic reporting and online management tools that let you manage your users efficiently. ARCO® Business Solutions Mastercard®: Best Fleet Card for Use at ARCO Gas Stations Why we like it: The is an excellent choice if you need to fuel up for over 5,000 gallons per month so you can save on the monthly membership fee of $10. You’ll enjoy Top Tier™ gas for less®, plus additional rebates of 1 cent per gallon at all ARCO fueling locations in the US. Since this card is a Mastercard®, you can use it to make purchases from other gas stations. You’ll earn 4 cents per gallon in rebates at all other gas locations in the US that accept Mastercard. ARCO’s tax-exemption reporting service calculates applicable taxes for fuel for a processing fee of 1% of the invoice amount. Another wonderful thing about this card is that even business owners who are deemed high risk―with a credit score below 670―may still qualify. However, as a high-risk cardholder, you may be charged up to 2% of the account’s spend limit per billing cycle. Note that this card is a charge card, not a credit card, so your balance is due in full each billing cycle. BP Business Solutions Fuel Plus: Best for Small to Midsized Fleets That Fuel Up at BP & Amoco Stations Why we like it: If you own small to mid-sized fleets and you exclusively fuel up at BP and Amoco, the card is your best option. You can save up to 6 cents with volume-based rebates on gas purchases made at BP and Amoco locations. This card offers revolving and non-revolving balance options. If you choose to carry a balance, an ongoing APR of WSJ prime rate plus 14.99% to 23.99% will be applied. This card also allows you to take control of your business expenses by setting fuel-only limits on employee cards. It also offers transaction and tax-exempt reporting to make tax season easier. Keep in mind that this card is exclusive for use at BP and Amoco branded locations in the US only. You cannot use this card to gas up at other gas stations or make other purchases. WEX FlexCard: Best Fleet Card With No Setup & Annual Fees Why we like it: The offers 3 cents per gallon rebates. It’s accepted at 95% of fuel stations and around 45,000 service locations in the US, and WEX mobile app can help you find the cheapest nearby fuel station. There’s no annual or setup fee, and you have the flexibility to carry a monthly balance. Cardholders can also take advantage of WEX’s roadside services, including towing, winching, tire change, fluid delivery, jump starts, and lockout services. The WEX FlexCard also offers reporting services, such as purchase activity reports and tax exemption reports. Report data can be exported into major bookkeeping and accounting software and can also be downloaded as PDF files. How We Evaluated the Best Fuel Cards for Small Businesses When evaluating co-branded fuel cards for small business, we considered each card’s fees, repayment terms, network availability, any rebate programs, and reporting tools. For nonbranded business credit cards, we looked primarily at gas discounts or rebates, ease of use, additional rewards, fees, and features. Bottom Line You don’t need to own a large fleet to be eligible for a business fuel card. A fleet can be a single car used by a sole proprietorship or limited liability company (LLC) or thousands of vehicles owned by a large company. If you prefer not to use a card associated with a specific gas company or haven’t found one in this guide, consider one of the best small business credit cards with strong rewards on gas purchases.