Credit Cards

Editor’s note: This is a recurring post with regularly updated card details. The best limited liability company (LLC) business credit cards offer strong rewards, introductory rates, low ongoing annual percentage rates (APRs), and low fees. When choosing the right LLC credit card for your business, you should consider the benefits and features your business needs, such as the ability to earn ongoing rewards, enjoy travel perks, and build business credit. Here are the nine best business credit cards for LLCs: : Best overall LLC credit card : Best for low ongoing APR : Best for LLC owners with fair credit : Best for LLC owners with bad or limited credit : Best for long 0% APR period with cash back : Best charge card with no personal guarantee : Best for instant approval : Best for luxury international travel : Best for earning rewards in your chosen category To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Cash®: Best Overall LLC Credit Card Why we like it: We’ve selected as the overall best LLC credit card because of its rich rewards in certain spending categories that LLCs typically have substantial expenses on. You get 5% cash back on the first $25,000 spent on internet, phone, cable, and office supplies, 2% cash back on the first $25,000 at gas stations and restaurants, and 1% cash back on all other business purchases. There’s no annual fee, and you can take advantage of the 0% introductory APR for the first 12 months of card membership. Plus, you’ll receive a $900 bonus cash back when you spend $6,000 in the first three months. This card is also one of our best cash back business credit cards and our number one business credit card for startups because of its lucrative cash rewards, especially for office-based businesses. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR Why we like it: The is designed for LLC owners who plan to carry a balance from time to time. It comes with a low starting APR—the lowest among all other cards on this list. Plus, it has no annual fee, helping you minimize your overall credit cost. What’s more, it offers an unlimited 1.5% cash back on all eligible net purchases. As a welcome bonus, you can earn $400 after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account. You can also take advantage of interest-free financing for the first nine months of card ownership. It’s one of our top business credit cards with no annual fee because of its low ongoing APR and unlimited rewards. Capital One® Spark® Classic for Business: Best for LLC Owners With Fair Credit Why we like it: If you’re a business owner with fair credit (580 to 669), then the card can help you get back on track. It has a straightforward rewards program—you’ll earn 1% cash back on all business purchases regardless of spending categories. There’s no annual fee, and you can build your business credit through responsible usage. It’s our overall best fair credit business card because of its easy approval process and unlimited rewards. However, it’s important to note that it doesn’t offer a 0% introductory rate and sign-up bonus. Further, it comes with a high APR of 29.74% (the highest in this guide), so it’s crucial to plan your budget and pay the bill in full each month instead of carrying a balance. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for LLC Owners With Bad or Limited Credit Why we like it: The card is designed for LLC owners who cannot qualify for a regular unsecured business credit card because of low credit scores. It can help build or improve your business credit if you use it responsibly and make consistent on-time payments, making it our top-recommended secured business credit card and leading business card for bad credit. You can earn unlimited 1.5% cash back on all purchases without having to pay an annual fee. It also lets you 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. To qualify, you need to make a security deposit of at least $1,000—the amount of your security deposit will determine your credit limit. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Long 0% APR Period With Cash Back Why we like it: The offers 0% APR for the first 15 billing cycles, which is beneficial if you plan to make a large purchase or transfer a balance from another credit card. This is why it’s one of our top business credit cards with 0% APR and credit cards for balance transfers. You can earn $500 cash back after spending just $4,500 in the first 150 days. You also get 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center and 3% cash back at eligible gas stations, mobile phone service providers, and office supply stores. Then, you’ll earn 1% cash back on all other business purchases. Also, you get an annual statement credit of $100 for recurring software subscription expenses, such as for FreshBooks and QuickBooks. In addition, it has no annual fee, which helps you reduce your overall credit cost. It’s our leading fuel card for small businesses because of its generous rewards on gas purchases, along with its other benefits. SVB Innovators Card: Best Charge Card With No Personal Guarantee Why we like it: The is designed for business owners who can pay their balance in full each month and don’t want to provide a personal guarantee. It’s our top-recommended business card with no personal guarantee and one of our leading business cards for startups. It’s best for new LLCs needing flexible credit lines that scale with their business’s growth. It offers a simple rewards program, letting you earn 2x points on every dollar spent on all purchases, regardless of spending categories. It comes with no annual fee, and you can use it anywhere Mastercard is accepted. Note that it’s a charge card and not a regular credit card—it doesn’t come with interest since your balance is due in full every month. Failure to pay your balance in full will result in a significant late payment fee of either $32 or 2.5% of the balance, whichever is greater. American Express Blue Business CashTM: Best for Instant Approval Why we like it: If you need to get approved for a credit card with unlimited cash back quickly, consider the , our overall best instant approval business credit card. You can earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then earn 1% cash back thereafter. Plus, it has no annual fee, and you’ll receive a $250 statement credit when you spend $3,000 within the first three months of card membership. What’s more, it comes with a 0% introductory APR on purchases for the first 12 months and features Expanded Buying Power, which allows you to spend beyond your credit limit based on your financial resources, credit history, payment behavior, and card usage. To get approved immediately, you need a good to excellent credit score. Once approved, you can start using the card because American Express offers instant credit card numbers. American Express Business Platinum Card®: Best for Luxury International Travel Why we like it: If you need to travel abroad frequently and want luxury travel perks, the may be a good fit. While it charges a high annual fee of $695, you can take advantage of premium travel perks, like free access to more than 1,400 airport lounges worldwide, making it our top business card with airport lounge access and one of our best business cards for travel. You can earn 5x points on flights and prepaid hotels booked directly through AmexTravel.com, 1.5x points for eligible purchases in key business categories, 1.5x points on every purchase of $5,000 or more on up to $2 million of these purchases per calendar year, and 1x point on all other purchases. It offers 120,000 bonus points after spending $15,000 within the first three months after opening an account. Keep in mind that similar to SVB Innovators Card, this is a charge card, so it requires you to pay your balance in full every month. However, it offers a Pay Over Time feature to eligible account holders. Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards on Your Chosen Category Why we like it: If your LLC has significant expenses in specific spending categories, like gas, office supplies, travel, TV or telecommunication services, computer services, or business consulting services, the credit card may be a suitable option. You’ll receive 3% cash back on the category of your choice and 2% cash back on dining on the first $50,000 in combined purchases each year. After the cap is met, you’ll earn 1% cash back on those categories and all other purchases. This card is also an excellent choice if you have an existing Bank of America business checking account. You can earn up to 75% more cash back when you qualify for the Preferred Rewards for Business program. The card, which is one of our best small business credit cards, offers a $300 statement credit when you spend at least $3,000 in net purchases within 90 days of card ownership. On top of that, you can benefit from interest-free financing for the first nine months after opening an account. How We Selected the Best LLC Credit Cards To determine the best LLC credit cards, we took into consideration the various features important to LLC owners. We looked at fees, interest rates, introductory rates, bonuses, and ongoing rewards. All of these benefits can help you save money in the long run. Bottom Line When choosing the best business credit cards for LLCs, consider your business goals and which card can help you reach them. Think about how you’ll use the card and whether you want to prioritize earning premium rewards or getting low fees and low APRs. Determine your spending habits and decide if a card with specific spending categories or a fixed-rate rewards card will benefit you the most. To find other options, you may visit our credit card marketplace or check out our best small business credit cards guide.

Editor’s note: This is a recurring post with regularly updated card details. The best credit cards for nonprofits offer no annual fees, low ongoing annual percentage rates (APRs), and generous rewards in expense categories where your organization spends the most. When choosing the best nonprofit credit card, also consider other features that may be beneficial to your organization. We’ve selected a variety of cards with robust rewards and included a charge card and a secured credit card for those who cannot qualify for a regular business credit card. Here are the eight best credit cards for nonprofits: : Best overall credit card for nonprofits : Best for vendor discounts : Best for earning rewards on fuel : Best secured card for nonprofits with low or limited credit : Best for travel rewards : Best for unlimited fixed-rate rewards : Best for low ongoing APR : Best for spending over credit limit To see how these cards stack up against others we have reviewed, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Cash®: Best Overall Credit Card for Nonprofits Why we like it: The is our best overall nonprofit credit card because it’s useful for fundraising expenses. If you’re printing letters, mailers, grant proposals, and annual reports, calling donors frequently, or planning events, you’ll earn premium rewards from this card. For the first $25,000 you spend on office supplies, internet, cable, and phone services each year, you get 5% cash back. You can also get 2% cash back at gas stations and restaurants for the first $25,000 per year, and 1% back on all other purchases. You can receive your cash back as a statement credit or as a deposit to your savings or checking account. You may also redeem your rewards toward travel, gift cards, and merchandise. Its strong rewards program and other benefits also made this card our top choice for startups and limited liability companies (LLCs). Other things that make this card valuable: No annual fee: Without having to pay an annual fee, your nonprofit will minimize its credit cost and save money while earning rewards on expenses. Sign-up bonus: If you can spend at least $6,000 within the first three months of card ownership, you’ll receive a cash back bonus of $900, which you can use toward your operational expenses and nonprofit programs. 0% introductory APR: You can make a large purchase and pay it off within 12 months from opening an account without having to pay an interest. Charity Charge Nonprofit Business Card: Best for Vendor Discounts Why we like it: If your nonprofit has been in operation for at least five years with a minimum of $100,000 in annual revenue or at least two years in operation with $500,000 in annual revenue, you may qualify for the . It can be a big help with your nonprofit’s recurring expenses because you’ll earn automatic rebates to your statement for travel, fuel, business services, and other purchases at participating vendors. You can enjoy exclusive vendor discounts at over 200 national vendors and take advantage of up to 20% discounts on your everyday expenses, with no enrollment fees and no minimum purchase requirement. It’s important to note that this is a charge card, which means that your balance is due in full every month. Here are other things we like about it: No annual fee: Reduce your credit cost while earning premium discounts on purchases from over 200 national vendors. Mastercard® Easy Savings: You can earn automatic rebates to your statement when you use your card on travel, fuel, business services, and other eligible purchases at participating vendors without the need for redemption. No personal guarantee required: It doesn’t require a personal guarantee and can be underwritten directly to the nonprofit organization, making it one of our top-recommended credit cards with no personal guarantee. U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for Earning Rewards on Fuel Why we like it: If you’re always on the road, the is a great option. You can earn 3% cash back at gas and electric vehicle (EV) charging stations, making it our leading fuel card for small businesses. You can also earn 3% cash back at office supply stores, cell phone service providers, and restaurants and 1% cash back on all other purchases. Plus, receive 5% cash back on prepaid hotels and car rentals when you book directly through the Travel Rewards Center. On top of that, this card is also an excellent option for nonprofit organizations needing to make large purchases, such as office furniture or computers. It offers a 0% APR for the first 15 months of card ownership, which you can use to finance interest-free purchases and balance transfers. This long interest-free financing option makes it one of our top credit cards with 0% APR and best business cards for balance transfers. Its other important benefits include: No annual fee: Minimize your credit cost by not having to pay annual fees while earning lucrative rewards. It’s our overall best credit card with no annual fees. $100 software credit: If your nonprofit pays for recurring software subscription expenses such as FreshBooks or QuickBooks, you can earn an annual $100 statement credit. Sign-up bonus: Spend at least $4,500 on purchases within the first 150 days after opening an account and earn a $500 bonus cash back. Bank of America Business Advantage Unlimited Cash Rewards Secured Credit Card: Best Secured Card for Nonprofits With Low or Limited Credit Why we like it: If you’re rebuilding your business credit, or if your organization has little to no credit history, the is your best option. It’s our top pick for the best secured business credit cards and leading business cards for bad credit. Plus, it lets you earn 1.5% cash back rewards on all purchases regardless of spending categories. You can redeem your rewards as a deposit into your Bank of America® checking or savings account, a card statement credit, or a check by mail. There’s no cap or limit on the rewards you can earn, and your rewards don’t expire. When used responsibly and paid on-time consistently, you can build your credit and eventually qualify for unsecured business credit cards. Here are the other benefits you can enjoy from this secured business card: No annual fee: Build your credit and earn unlimited rewards on purchases without having to pay annual fees. $1,000 minimum security deposit: You can open an account with a minimum security deposit of $1,000. Your credit limit will be based on the amount of your security deposit. Capital One® Spark® Miles for Business: Best for Travel Rewards Why we like it: If you travel frequently for your nonprofit, use the and get an unlimited 2x miles on every business purchase and 5x miles when you book with Capital One Travel for hotel and rental cars. You can redeem your miles for flights or hotels or transfer your miles to one of Capital One’s travel partners. It comes with a low annual fee of $95, which is waived for the first year. Keep in mind, however, that it doesn’t come with a 0% APR introductory period. Despite the lack of an interest-free financing option, it’s our best business card for miles and one of our top-recommended credit cards for travel. Here are the other key benefits of Capital One® Spark® Miles for Business: Sign-up bonus: Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months of card ownership. $100 travel credit: Receive up to $100 credit for Global Entry or TSA PreCheck® every four years. No foreign transaction fees: Use your card to make international purchases without extra cost as it doesn’t charge foreign transaction fees. Bank of America Business Advantage Unlimited Cash Rewards: Best for Unlimited Fixed-rate Rewards Why we like it: If you don’t want to keep track of spend categories and prefer to earn unlimited, fixed-rate rewards, the credit card offers 1.5% cash back on all purchases. There’s no annual cap, and your rewards don’t expire. Plus, there’s no annual fee, so you can save on credit costs while earning unlimited cash back. It’s also an excellent card if your nonprofit maintains a checking account with Bank of America because you can earn up to 75% more cash back on every purchase if you qualify for the Preferred Rewards for Business. You can redeem your rewards as a deposit into your Bank of America checking or savings account, a statement credit, or check by mail. Here are its other benefits: Sign-up bonus: Receive a $300 statement credit when you make a minimum of $3,000 in purchases during the first 90 days of card ownership. 0% APR: Enjoy interest-free financing on purchases for the first nine billing cycles after opening an account. PNC points® Visa® Business Credit Card: Best for Low Ongoing APR Why we like it: If you plan to carry a balance from time to time, you can benefit from the low ongoing APRs offered by the . It comes with a low APR that ranges from 14.74% to 23.74%, the lowest on this list. It’s also an excellent option if you prefer to earn points rewards that can be redeemed as cash or use them for travel, hotel stays, merchandise, and gift cards from Target, Amazon, and Starbucks. You can earn unlimited 5x points per dollar on all purchases, regardless of spending categories. Here are the other benefits you can enjoy from this card: 0% APR: Take advantage of 0% APR for the first nine billing cycles after opening an account on both purchases and balance transfers when the balance is transferred within the first 90 days. No annual fee: Earn unlimited points rewards without having to pay annual fees. American Express Blue Business CashTM: Best for Spending Over the Credit Limit Why we like it: The features expanded buying power, which allows you to spend over your credit limit whenever you need to. The amount you can spend beyond your credit limit will adjust based on your card usage, payment behavior, credit score, and financial resources. This is one of the reasons why it’s named our best cash-back business credit card. Also, you can earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back thereafter. Cash back is credited to your statement automatically. It’s one of our top Amazon business credit cards, so if your nonprofit shops on the platform frequently, it’s a good option. Here are other benefits you can enjoy from the card: No annual fee: Since there’s no annual fee, you can benefit from unlimited cash back on your purchases without the extra cost. 0% APR: If you plan to make a significant purchase after opening an account, you can benefit from interest-free financing for the first 12 months. Sign-up bonus: Spend at least $3,000 in purchases within the first three months from opening an account and receive a $250 statement credit as a bonus. How We Selected the Best Nonprofit Credit Cards When choosing the best credit cards for nonprofits, we focused on introductory and ongoing rewards, low or no annual fees, interest rates, other features, and cards with spend categories and fixed-rate rewards. Taking all of these into consideration can help your organization save money. Bottom Line The best nonprofit credit card rewards you with every purchase you make. Consider a card with specific spend categories if certain expenses take the most out of your budget. Or if you don’t want to monitor your expense categories, a fixed-rate rewards card with no purchase limitations would work better for you. If you’d like to see additional credit cards, take a look at our list of the best small business credit cards or visit our Credit Card Marketplace.

Editor’s note: This is a recurring post with regularly updated card details. The best business credit cards with no annual fee offer features that allow you to save more money. When choosing a business card with no annual fee, it’s important to ensure that it rewards spending categories that align with your recurring expenses. Also, consider its introductory annual percentage rates (APRs), introductory bonuses, ongoing rewards, other fees, and additional perks. Here are the 10 best business credit cards with no annual fee: : Best overall business credit card with no annual fee : Best for easy unlimited rewards : Best for earning cash back with flexible buying power : Best for business owners with fair credit : Best for earning cash back in your chosen category : Best for earning travel rewards : Best for spending on office essentials : Best for business owners with low credit : Best for lowest ongoing APR : Best for earning points rewards with a flexible credit limit To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Business Credit Card With No Annual Fee Why we like it: The is our best overall business credit card with no annual fee because it offers several ways to save money. For instance, if you plan to make a large purchase or transfer a balance from another card, you can take advantage of the 0% APR period for 15 billing cycles. This allows you to pay off your balance for 15 months without paying interest. Because of this, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is one of the top-recommended business credit cards for balance transfers. In addition, if you can spend at least $4,500 within 150 days after opening an account, you’ll earn a $500 bonus cash back. You can also benefit from lucrative ongoing rewards, such as 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, and 3% cash back at eligible gas stations, restaurants, mobile phone service providers, and office supply stores. Plus, you’ll earn 1% cash back on all other purchases. Its great cash back offerings make it one of our leading credit cards for limited liability companies (LLCs). It’s worth noting that there’s no limit on the total rewards you can earn and there’s no expiry as long as your account remains open and in good standing. You can use your cash back as a statement credit or receive it as a deposit to your U.S. Bank business checking, savings, or money market account. Additionally, if you pay for recurring software subscription expenses such as FreshBooks or QuickBooks, you can earn a $100 statement credit annually. Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards Why we like it: The card offers an easy and straightforward rewards program—you’ll earn 1.5% fixed rate cash back for every dollar spent on any business-related purchase. There are no limits to the amount of cash back you can earn, and no spend categories to keep track of. If you spend $6,000 in the first three months of card ownership, you’ll earn a $900 bonus cash back. You can redeem your rewards as a statement credit or use them for gift cards or travel. For these reasons, it’s our top pick for best business credit cards for sole proprietors. You can also benefit from zero-interest financing on purchases for the first 12 months of card ownership. However, it’s important to note that, unlike the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, this 0% APR period doesn’t apply to balance transfers. It’s also an excellent option if you’re a new business with no business credit history, as long as you have a good to excellent personal credit score. It’s our top choice for the leading credit cards for new businesses with no credit history because of its simple rewards program and generous sign-up bonus. American Express Blue Business CashTM: Best for Earning Cash Back with Flexible Buying Power Why we like it: The  offers 2% cash back on any business purchase up to $50,000 each calendar year, then 1% cash back thereafter. In addition, you’ll receive a $250 bonus cash back after spending $3,000 in the first three months after opening an account. Cash back is credited to your statement automatically, and there’s no minimum reward amount to redeem—for these reasons, this card is our best overall cash back business credit card. Further, it features expanded buying power, which allows you to spend over your credit limit when you need to. The amount you can spend adjusts based on your card usage, payment behavior, and financial information. The card also offers a 0% introductory APR on purchases for the first 12 months of card ownership. Similar to Chase Ink Business Unlimited®, the interest-free financing option doesn’t apply to balance transfers. It’s our pick for the best overall business credit card for self-employed business owners because of its generous yet simple rewards program that doesn’t require you to monitor spending categories. Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit Why we like it: The is a great option if you have a fair credit score (580 to 669). Using this card responsibly can help you grow your credit score while earning unlimited rewards. It’s our overall best credit card for fair credit and is among our top instant approval credit cards, requiring only a fair credit score to get approved. This straightforward card offers a fixed-rate 1% cash back on all business purchases, with no limits or spend categories. Rewards never expire, and you can choose between redeeming them as a statement credit or as a paper check. It’s important to note that this card has the highest APR on this list. Plan your budget carefully and pay your balance in full every billing cycle to avoid paying for a high interest rate so that you can reduce your credit cost. Bank of America Business Advantage Customized Cash Rewards: Best for Earning Cash Back in Your Chosen Category Why we like it: If you have significant expenses in certain spending categories, including gas, office supplies, travel, telecommunication, computer, and business consulting services, the card from Bank of America is an excellent choice. It allows you to choose the category where you spend the most, from which you’ll earn 3% cash back. Plus, you’ll earn 2% cash back on dining and 1% cash back on all other expenses. Keep in mind that the 3% and 2% cash back only apply on the first $50,000 combined purchases each calendar year. When the cap is met, you’ll earn 1%. You’ll get a $300 statement credit after making at least $3,000 in purchases in the first 90 days after opening an account and can enjoy interest-free financing on purchases for the first nine billing cycles. Plus, if you have a Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier, Platinum Honors, you’ll earn 75% more points. Bank of America Business Advantage Travel Rewards World Mastercard®: Best For Earning Travel Rewards Why we like it: If you travel for business often, the is an excellent option because it allows you to earn unlimited rewards that can be redeemed for travel or travel credit. Earn 1.5x points for every dollar you spend on all purchases and 3x points per every dollar spent when you book car rentals, hotel stays, and flights through the Bank of America® Travel Center. You can also earn 30,000 bonus points after making at least $3,000 in purchases within the first 90 days after opening an account. Moreover, you can enjoy interest-free financing on purchases for the first nine billing cycles. You’ll even get up to 75% more points if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business membership. If you don’t want to redeem your points for travel, you have the option to use your rewards as a statement credit, a deposit into your Bank of America checking or savings account, or a check by mail. It’s one of our best business credit cards for travel because it doesn’t charge a foreign transaction fee and offers unlimited rewards. Chase Ink Business Cash®: Best for Spending on Office Essentials Why we like it: With the , you can save on office supplies and internet, cable, and phone services by earning 5% cash back on all of these items, up to $25,000 each account anniversary year. You can also earn 2% cash back on the first $25,000 spent at gas stations and restaurants, then 1% cash back on all other expenses. Similar to Chase Ink Business Unlimited®, you’ll receive $900 cash back when you spend $6,000 in the first three months of card ownership. Plus, you’ll enjoy zero-interest financing on purchases for the first 12 months. This card’s lucrative rewards made it one of our top choices for the best cash back business credit cards. It’s also our leading credit card for LLCs and nonprofits and one of our top picks for real estate agents. You can redeem your rewards as a statement credit, gift cards or travel. Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for Business Owners With Low Credit Why we like it: If your credit score cannot qualify you for a regular unsecured business credit card, you may consider the . It has no annual fee and only requires a security deposit of at least $1,000. Your credit limit will be based on the amount of the security deposit. With responsible use, you can build or improve your business credit while earning unlimited 1.5% cash back on all purchases. You can redeem your rewards as a deposit into your Bank of America checking or savings account, as a card statement credit, or as a check mailed to you. It’s our overall best secured business credit card and leading business credit card for bad credit. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Lowest Ongoing APR Why we like it: If you carry a balance with each billing cycle, the is your best choice. It has the lowest starting APR on our list and offers 0% introductory APR for nine billing cycles, making it one of our best business credit cards with 0% APR. You also get 1.5% cash back on all eligible business purchases, with no limit to the amount you can earn. As a welcome bonus, earn $400 if you spend $3,000 in qualifying purchases within the first three months of card ownership. Additionally, it’s one of our top-recommended business credit cards that don’t report to personal credit bureaus—a great option if you don’t want your business card transactions to affect your personal credit. American Express Blue Business® Plus: Best for Earning Points Rewards With Flexible Credit Limit Why we like it: The American Express Blue Business® Plus card is similar to the , but instead of cash back, you’ll earn points rewards. It offers 2x points per dollar on the first $50,000 spent on any business purchase each year, then 1x point thereafter. When you spend $3,000 in eligible purchases within the first three months of card membership, you’ll receive 15,000 bonus points. You can also redeem your points for travel or gift cards, or use Pay With Points at more than a dozen retailers. It even offers zero-interest financing on purchases for the first 12 months. What’s more, it features expanded buying power, which lets you spend beyond your credit limit. Your credit limit adjusts based on your spending habits, payment history, credit score, and financial resources. This is one of the reasons why both the  and cards are among our list of the best business credit cards for startups. How We Selected Business Credit Cards With No Annual Fee When choosing the best business credit cards with no annual fee, we considered the introductory APRs and ongoing interest rates. Additionally, we took into account the introductory bonuses, ongoing rewards, and other features. All of these add up to cards that provide the best value for your business. Bottom Line A business credit card with no annual fee is a good choice if your goal is to save on unnecessary fees. Make sure to take advantage of introductory APRs, introductory bonuses, and ongoing rewards. Cash back that’s redeemed as a statement credit typically is the fastest way to benefit from rewards. Points-based rewards are also valuable especially if redeemed for certain expenses that are important for your business. If you’d like to see more of our recommendations, visit our Credit Card Marketplace or take a look at our choices for the best small business credit cards.

Bank of America® Business Advantage Customized Cash Rewards is a no-annual-fee credit card designed for business owners with strong banking relationships with Bank of America. You can earn up to 75% more cash back on every purchase if you have an existing Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier. 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 Customized Cash Rewards World Credit Card Is Best For Those who want to maximize bonus rewards: Bank of America gives you the option to choose the spending category where you can earn 3% cash back: gas stations (default), office supply stores, travel, TV/telecom and wireless, computer services, or business consulting services. Those who want flexible redemption options: You can redeem your cash back as a deposit to your Bank of America checking or savings account, as a card statement credit, or as a check by mail. Those with existing accounts with Bank of America: Your cash back may increase if you have an existing checking account with Bank of America. You can earn up to 75% more cash back on every purchase made with this business credit card. If this doesn’t fit your needs, see our recommended alternatives below. Bank of America® Business Advantage Customized Cash Rewards Credit Card Fees APR Introductory: 0% APR on purchases for the first nine billing cycles from account opening Ongoing and balance transfer: 16.49% to 26.49% variable—adjusts with the prime rate Cash advance: 28.49% variable—adjusts with the prime rate Penalty: None Fees Annual: None Balance transfer and cash advance: 4% of the amount of each transaction International transaction: 3% of the United States dollar amount of each transaction Late payment: $19 if balance is less than or equal to $100 $29 if $100.01 to $1,000 $39 if $1,000.01 to $5,000 $49 if greater than $5,000 Your due date is at least 25 days after the close of each billing cycle. Bank of America® Business Advantage Customized Cash Rewards Credit Card Rewards $300 statement credit after spending at least $3,000 in net purchases within 90 days of opening an account 3% cash back on the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, then 1% cash back after meeting the cap 1% cash back on all other purchases These are the categories where you can earn 3% cash back: Gas stations (default) Office supply stores Travel TV/telecom and wireless Computer services Business consulting services If you have a checking account with Bank of America and qualify for its Preferred Rewards for Business tier, you can earn up to 75% more cash back on every purchase compared to what’s above. This would mean up to: Up to 5.25% on selected choice categories and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year Up to an unlimited 1.75% cash back on all other purchases You can redeem your cash back as a deposit to your Bank of America checking or savings account as an automatic credit to your bill or via check by mail. Rewards do not expire. How To Make Payments in the Bank of America® Business Advantage Customized Cash Rewards Credit Card Bank of America® mobile app: Log in to the app, available for both iOS and Android users, select your business credit card, then click “Make a payment.” Phone: Call (800) 236-6497 and follow the prompts. There’s no fee to make a payment by phone. Financial center or ATM: Drop off your payment at any Bank of America financial center or an ATM near you. Online: Log in to Bank of America’s Online Banking site, select the “Bill Pay” tab, and then follow the prompts. Mail: Pay using the following address: Business Card Payments Bank of America Business Card PO Box 15710 Wilmington, DE 19850-5710 Bank of America® Business Advantage Customized Cash Rewards Credit Card Additional Features Access to a Business Credit Score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360. Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your to a Bank of America business checking account for overdraft protection. Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage. Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity. Bank of America® Business Advantage Customized Cash Rewards Credit Card Alternatives Chase Ink Business Cash® is an excellent alternative if you want better rewards for office supplies, internet, cable, and phone services and if you want an extended interest-free financing period Lets you earn 5% cash back on the first $25,000 spent in combined purchases in these categories, then 1% after the cap is met Has a 0% introductory APR on purchases for the first 12 billing cycles Is our top pick for the best limited liability company (LLC) credit cards, credit cards for nonprofits, and business credit cards for startups Bank of America® Business Advantage Unlimited Cash Rewards is a viable option if you want a Bank of America® business credit card that lets you earn unlimited, fixed-rate cash back rewards Allows you to earn unlimited 1.5% cash back rewards on all purchases, regardless of spending categories. Has a 0% introductory APR on purchases for the first nine billing cycles Doesn’t charge annual fees Is one of our top-recommended business credit cards for nonprofits and business credit cards for real estate agents American Express Blue Business CashTM is an excellent card if you need to spend beyond your credit limit when needed Features expanded buying power, which lets you spend above your credit limit, and it is adjusted based on your credit card usage, payment history, credit record, financial resources, and other factors Has a 0% introductory APR on purchases for the first 12 billing cycles Lets you earn 2% cash back on all eligible purchases up to $50,00 per calendar year, then 1% cash back when the $50,00 cap is met Is our leading cash back business credit card and one of our preferred small business credit cards Bottom Line is an excellent cash back credit card for business owners with existing Bank of America accounts and those wanting to maximize bonus rewards and needing flexible redemption options. It lets you earn 3% cash back on the category of your choice and 2% cash back on dining for the first $50,000 in combined choice category/dining purchases each calendar year. However, premium rewards are capped on selected categories, and other business credit cards offer a longer 0% introductory period.

Alaska Airlines Visa® Business Credit Card from Bank of America is designed for business owners who travel with Alaska Airlines frequently. This business credit card offers travel perks like Alaska’s Famous Companion FareTM from $121 every year―on Alaska flights purchased via alaskaair.com―and free checked baggage for you and up to six guests. 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 their details in a side-by-side comparison. Who the Alaska Airlines Visa® Business Credit Card Is Best For Those who primarily fly with Alaska Airlines: You can redeem miles with no blackout dates on any of its 1,200 daily flights to more than 1,000 destinations with more than a dozen global airline partners. Those who usually check baggage and travel with companions: The card offers you and up to six other travel companions one free checked baggage each. See our recommended alternatives below if this card doesn’t fit your business needs. Alaska Airlines Visa® Business Credit Card Fees APR Introductory: None Ongoing and balance transfer: 20.24% to 28.24% variable—adjusts with the prime rate Cash advance: 28.49% variable—adjusts with the prime rate Penalty: None Fees Annual: $50 per company and $25 per card Balance transfer and cash advance: 4% of the amount of each transaction International transaction: None Late payment: $19 if balance is less than or equal to $100 $29 if $100.01 to $1,000 $39 if $1,000.01 to $5,000 $49 if greater than $5,000 Your due date is at least 25 days after the close of each billing cycle. Alaska Airlines Visa® Business Credit Card Rewards 40,000 Bonus Miles and Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) is available after spending $2,000 or more in purchases within the first 90 days of opening your account Unlimited 3 miles for every dollar spent directly on Alaska Airlines purchases and an unlimited 1 mile for every dollar spent on all other purchases. Earn or redeem miles to more than 1,000 destinations worldwide with oneworld® Alliance member airlines and its Global Partners Earned miles can be redeemed for Alaska Airlines award travel, upgrades, and hotel accommodations. Visit alaskaair.com to learn more about redemption. How To Make Payments on the Alaska Airlines Visa® Business Credit Card Bank of America® mobile app: Log in to the iOS or Android app, select your business credit card, then click “Make a payment.” Phone: Call (800) 236-6497 and follow the prompts. There’s no fee to make a payment by phone. Financial center or ATM: Drop off your payment at any Bank of America financial center or an ATM near you. Online: Log in to Bank of America’s Online Banking site, select the “Bill Pay” tab, and then follow the prompts. Mail: Pay using the following address: Business Card Payments Bank of America Business Card PO Box 15710 Wilmington, DE 19850-5710 Alaska Airlines Visa® Business Credit Card Features Account Management Access to a Business Credit Score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360. Card Security Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your to a Bank of America business checking account for overdraft protection. Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage. Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions and notify you if it suspects any fraudulent activity. Travel Perks Annual companion fare benefit: Business card accounts open with active charging privileges on their annual account anniversary date will get a companion fare code within the first 2 billing cycles after the anniversary date each year. The code is valid for a round-trip or one-way coach companion fare on Alaska Airlines from $121 ($99 base fare plus $22, depending on your Alaska Airlines flight itinerary) while traveling with another guest. Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations. Rebate on food, beverage, and Wi-Fi onboard purchases: In the form of a statement credit, you can receive a 20% rebate for food, beverage, and Wi-Fi purchases made on any Alaska-operated flight. Alaska Airlines Visa® Business Credit Card Alternatives Capital One® Spark® Miles for Business is a great alternative if you want a universal fixed-rate miles rewards system Lets you earn unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem Doesn’t charge balance transfer and foreign transaction fees Is our top business credit card for miles and one of our best business credit cards for travel Bank of America® Business Advantage Travel Rewards World Mastercard® is a viable option if you want a Bank of America® business credit card that lets you earn unlimited, fixed-rate cash back rewards Lets you earn 3x points for every dollar spent when you book a rental car, hotel stay, or airfare through the Bank of America® Travel Center and unlimited 1.5x points for every dollar spent on all other purchases Offers a 0% introductory APR on purchases for the first nine billing cycles Has no annual and foreign transaction fees Is our top-recommended business credit card with no foreign transaction fee and one of our leading business credit cards for travel Chase Ink Business Preferred® is an excellent card if you want better rewards on travel and other expenses Lets you earn 3 points per dollar spent on the first $150,000 spent in combined purchases in four categories for each account anniversary year: travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines; also offers 1 point per dollar spent on all other purchases Lets you transfer earned Chase Ultimate Rewards points to participating airline travel partners at full 1:1 value—meaning one Chase Ultimate Rewards point equals one partner mile/point. Charges an annual fee of $95 Is one of our suggested business credit cards for travel Bottom Line is best for business owners who travel with Alaska Airlines frequently and want to enjoy travel perks, like free checked baggage and discounted companion fares. It lets you earn unlimited 3 miles for every dollar spent directly on Alaska Airlines purchases and an unlimited 1 mile for every dollar spent on all other purchases. Note that other travel business credit cards offer a 0% introductory period, don’t charge annual fees, and have a better fixed-rate rewards system.

Southwest Rapid Rewards® Performance Business Credit Card―owned by Chase―is designed for business owners who fly Southwest Airlines frequently. It offers exclusive travel perks, such as in-flight Wi-Fi credits, Global Entry or TSA PreCheck® fee credit, and up to four upgraded boardings per year. It has a $199 annual fee and doesn’t charge foreign transaction fees. 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 Southwest Rapid Rewards® Performance Business Credit Card Is Best For Those who fly Southwest Airlines frequently: You’ll earn four points per dollar spent on purchases made directly with Southwest Airlines. You can redeem these points for free flights. Those who travel from time to time: Aside from free flights, the Southwest Rapid Rewards® Performance Business Credit Card allows you to redeem your rewards for hotel stays and car rentals from around the country. Check out our recommended alternatives below if this card doesn’t fit the bill. Southwest Rapid Rewards® Performance Business Credit Card Fees APR Introductory: None Ongoing, My Chase LoanSM, and Balance transfer: 20.24% to 27.24% variable—adjusts with the prime rate Cash advance: 29.24% variable—adjusts with the prime rate Default: Up to 29.99% variable—adjusts with the prime rate; will be applied indefinitely to your account if at least one condition is met: You failed to make a minimum payment by the date and time it’s due. You made a returned payment. Fees Minimum interest charge: None Annual: $199 My Chase PlanSM: Monthly fee of 1.72% of either the amount of each eligible transaction or the amount selected to create a My Chase Plan Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater Foreign transaction: None Late and return payment: $40 Return check: None Your due date is at least 20 days after the close of each billing cycle. Southwest Rapid Rewards® Performance Business Credit Card Rewards Points rewards 80,000 points after spending $5,000 on purchases within the first three months of opening an account. 4X points for every dollar spent directly on Southwest Airlines®, including flights, in-flight purchases, Southwest gift cards, and Southwest Vacations package purchases 3X points per dollar spent with Rapid Rewards hotel and car rental partners 2X points for every dollar spent on social media and search engine advertising, internet, cable, and phone services as well as on local transit and commuting, including rideshare 1X point on all other purchases 9,000 bonus points on each account anniversary Additional rewards Four upgraded boardings per year when available 1,500 tier qualifying points for every $10,000 spent, which can be used to apply for Rapid Rewards A-List or A-List Preferred status $500 fee credit for points transfers per year Up to $100 in statement credit every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS Up to 365 Inflight Wi-Fi credits per year Up to 100,000 bonus points per year for every referral who gets any Southwest Rapid Rewards Credit Card when using the link Your earned points can be redeemed as gift cards, merchandise, hotel stays, experiential rewards, and Rapid Rewards Access Events. In addition, you can enjoy Companion Pass®, which allows you to choose one person to fly with you, free of airline charges, whenever you purchase or redeem points for a flight. However, earned points will appear in your Rapid Rewards account up to 30 days after your statement cycle date. How To Make Payments on the Southwest Rapid Rewards® Performance Business Credit Card Online or Chase Mobile® app: Go to chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or mobile app, which is available for iOS and Android users. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount. Phone: Call the automated phone service at (800) 436-7958. Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address: Cardmember Services PO Box 6294 Carol Stream, IL 60197-6294. Via Western Union: Use the Code City WALNUT when paying via Western Union. It may take up to seven days for the payment to be reflected in your account. In-person: Go to the nearest Chase ATM or branch. Southwest Rapid Rewards® Performance Business Credit Card Features Travel Insurance Baggage delay insurance: You’re covered by this if your checked luggage is delayed or misdirected by a carrier for more than six hours. You and your immediate family members will be eligible for a $100-per-day benefit for up to three days. Purchase protection: This covers new purchases for 120 days against damage or theft. Get coverage of up to $10,000 per claim and $50,000 per account. Extended warranty protection: This extends the warranty to up to one additional year on warranties of three years or less. Travel accident insurance: When you use this card to pay for your air, bus, train, or cruise fare, you’re eligible for accidental death or dismemberment coverage of up to $500,000. Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger. Travel Protection Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card. Take note that coverage will take into effect when you rent a vehicle for business purchases and can provide reimbursement of up to the actual cash value of the vehicle for theft and collision damage. Roadside dispatch: Call (800) 847-2869 anytime to dispatch the help you need, from a tow or jumpstart to a tire change, lockout service, winching, or gas delivery. Take note that roadside service fees will be provided via call and be billed to your card. Account Management Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost. Southwest Rapid® Rewards Performance Business Credit Card Alternatives Capital One® Spark® Miles Select for Business is an excellent alternative if you want to earn miles on all purchases regardless of spending categories Lets you earn unlimited 1.5x miles on all purchases, with no blackouts or seat restrictions and no minimum miles to redeem Has a 0% introductory APR on purchases for the first 9 billing cycles Doesn’t charge annual and foreign transaction fees Is our best business credit card for travel and one of our preferred business credit cards for miles Bank of America Business Advantage Travel Rewards World Mastercard® is a viable option if you want an interest-free financing period and no annual and foreign transaction fees Has a 0% introductory APR on purchases for the first 9 billing cycles Lets you earn 3x points for every dollar spent when booking a rental car, hotel stay, or airfare through the Bank of America® Travel Center and unlimited 1.5x points for every dollar spent on all other purchases Is one of our recommended business credit cards for travel Southwest Rapid Rewards® Premier Business Credit Card is a great alternative if you want a Southwest co-branded card with a low annual fee and no foreign transaction fees Charges an annual fee of $99 Offers baggage delay insurance, lost luggage reimbursement, purchase protection, and extended warranty protection Lets you earn 3x points per dollar spent on Southwest Airlines® purchases, 2x points per dollar spent on Rapid Rewards® hotel and car rentals and local transit and commuting, and 1x point per dollar spent on all other purchases Bottom Line is best for business owners who fly with Southwest Airlines frequently and want to enjoy premium travel benefits. It offers numerous points rewards and travel protection despite its high annual cost of $199. Take note, however, that reward redemption value is poor outside of Southwest flights.

Editor’s note: This is a recurring post with regularly updated card details. The best sole proprietorship business credit cards allow you to earn rewards on your purchases. When choosing a card, prioritize one that offers sign-up bonuses, has a zero or low annual fee, charges low ongoing annual percentage rates (APRs), and provides a 0% introductory APR to finance a large purchase or balance transfer. Sole proprietors can also benefit from cards that can help build business credit. Here are the 10 best sole proprietor business credit cards: : Best overall business credit card for sole proprietors : Best for sole proprietors with fair credit : Best for sole proprietors with bad credit : Best for Amazon Prime members and recurring Amazon purchases : Best for long 0% APR period with cash rewards : Best for everyday expenses : Best for earning travel rewards : Best for low starting APR : Best for office-based sole proprietors : Best for earning flexible rewards To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Chase Ink Business Unlimited®: Best Overall Business Credit Card for Sole Proprietors Why we like it: The is our overall best sole proprietorship business credit card because it offers a simple cash back rewards program. You can earn unlimited 1.5% cash back on all business-related purchases, regardless of spending categories. In addition, you’ll receive $900 cash back when you spend at least $6,000 in the first three months of card membership. It also comes with no annual fee and a low ongoing APR. Plus, if you plan to make a significant purchase, you can enjoy 0% introductory APR for the first 12 months. Note, however, that this interest-free financing period doesn’t apply to balance transfer transactions. In general, this card is straightforward and uncomplicated, making it an excellent choice for sole proprietors with varied expenses. It’s also named one of our best credit cards for startup businesses due to its easy rewards program and low fees. Capital One® Spark® Classic for Business: Best for Sole Proprietors With Fair Credit Why we like it: If you’re a sole proprietor with fair credit (580 to 669), the is a great option as it can help you grow your credit score—as long as you use it responsibly. Your payment history will be reported to the major credit bureaus, so consistent on-time payments can help you improve your credit over time. In addition, it has no annual fee and offers 1% cash back on all business purchases. There’s no cap on the number of rewards you can earn, and rewards will never expire. While this card is our best business credit card for fair credit, keep in mind that it’s important to pay your balance for each statement period since it comes with a high APR. Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for Sole Proprietors With Bad Credit Why we like it: If you have a low credit score and cannot qualify for an unsecured business credit card, the is an excellent alternative. You only need to make a security deposit of at least $1,000 to qualify, and the amount of your security deposit will determine your credit limit. It’s our top choice for secured business credit cards and business cards for bad credit because it can help you build or improve your business credit while earning unlimited 1.5% cash back on all purchases. 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. Moreover, it comes with no annual fee, so you can save on your overall credit cost. With consistent on-time payments, you’ll be able to raise your credit score and eventually qualify for an unsecured business credit card. Amazon Business Prime American Express Card: Best for Amazon Prime Members & Recurring Amazon Purchases Why we like it: If you have a Prime membership at Amazon, you can earn substantial cash back when you use the to purchase business-related goods. You’ll get 5% cash back on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market on the first $120,000 each calendar year, then 1% cash back thereafter. If you don’t want to earn premium rewards on Amazon purchases, you could opt for a 90-day interest-free billing cycle instead. Also, you’ll get 2% back at restaurants, gas stations, and wireless phone services and 1% back on all other eligible purchases. There’s no annual fee outside of the Amazon Business Prime membership fee. As a member, you’ll gain access to quantity discounts and thousands of products only available to Business users. On top of that, you’ll receive an automatic $125 bonus Amazon.com gift card upon approval, with no spending requirements. This card is the only co-branded credit card on this list, and it’s our leading Amazon business credit card. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Long 0% APR Period With Cash Rewards Why we like it: The is a great option if you need to make a substantial purchase or consolidate your debts from other credit cards. You can take advantage of zero-interest financing for 15 months after opening an account on both purchases and balance transfers. Plus, you can earn unlimited rewards on your purchases—5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on fuel, office supplies, cellphone service providers, and restaurants, and 1% cash back on all other purchases. High cash back on gas purchases is one of the reasons why it’s our top-recommended fuel business credit card. With this card, you’ll also receive bonus cash back of $500 when you spend $4,500 on eligible purchases within the first 150 days of opening your account. In addition, if you have recurring software subscription expenses, such as FreshBooks or QuickBooks, you’ll get a $100 statement credit. On top of all these rewards, there’s also no annual fee, which is why it’s our overall best credit card with no annual fee. American Express® Blue Business® Plus: Best for Everyday Expenses Why we like it: You can earn 2x points on all eligible purchases with the on up to $50,000 in a single calendar year. When the cap is met, you’ll earn 1x points on all purchases. It has no annual fee and features expanded buying power, which lets you spend beyond your credit limit. The amount you can spend over your credit limit will adjust based on your credit, usage, payment history, and financial resources. You can also enjoy a 0% APR on purchases for the first 12 months and earn 15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first three months of card ownership. This card is among our recommendations for the best small business credit cards. Capital One® Spark® Miles Select for Business: Best for Earning Travel Rewards Why we like it: The is best for sole proprietors who travel frequently and is our leading travel business card. You can earn unlimited 1.5x miles on all business-related purchases and redeem them to book flights, rent cars, and pay for hotel stays. You can also use your rewards for past travel purchases within 90 days of the date of the travel purchase. Moreover, Capital One allows you to transfer your miles to any of its travel partners. Because of its simple rewards program, it’s also among our top business credit cards for miles. Cardholders can also enjoy other travel benefits, such as roadside assistance services and zero foreign transaction fees on purchases made outside of the US. Plus, you can take advantage of 0% APR on purchases for the first nine months of card ownership. PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Starting APR Why we like it: If your business needs to carry a balance, the is your best choice because it offers the lowest starting APR on our list. Plus, you can enjoy 0% financing on purchases for the first nine billing cycles. You also get unlimited 1.5% cash back on all eligible business purchases and earn $400 if you spend $3,000 in qualifying purchases within the first three months of opening an account. What’s more, it comes with no annual fee, allowing you to save on costs. It’s one of our leading cash back business credit cards because of its low APR and fixed-rate rewards. Chase Ink Business Cash®: Best for Office-Based Sole Proprietors Why we like it: If your office expenses include internet, phone, and office supplies, you’ll get an impressive 5% cash back on up to $25,000 per year for these purchases with the . You’ll also get 2% cash back on the first $25,000 spent at gas stations and restaurants and 1% cash back on all other purchases. It’s our best business credit card for startups. Similar to the Chase Ink Business Unlimited® card, this offers a $900 cash back bonus after spending $6,000 in the first three months. It also has no annual fee and a low ongoing APR. If you plan to make a large purchase, you’ll enjoy zero-interest financing for the first 12 months. Note that this introductory rate isn’t applicable to balance transfer transactions. Wells Fargo Business Platinum Credit Card: Best for Flexible Rewards Why we like it: The allows you to pick your preferred rewards program. You can choose between earning 1.5% cash back or 1x point for every dollar spent on all purchases, regardless of spending categories. It also offers $300 cash back or 30,000 bonus points when you spend at least $3,000 in qualifying purchases in the first three months. Its rewards flexibility is  one reason it made our list of the top-recommended credit cards for the self-employed. If you opt for points, you’ll receive 1,000 bonus points when you spend $1,000 or more in any monthly billing period. There’s no annual fee, and you can enjoy a 0% introductory rate for nine months on both purchases and balance transfers. You can also use this card for travel abroad as it doesn’t charge foreign transaction fees. And if you don’t want your business card transactions to affect your personal credit, this card would make a great option, as it’s our top choice for business credit cards that don’t report to personal credit bureaus. Note, however, that Wells Fargo reports your payment history to business credit bureaus. How We Selected Sole Proprietor Business Credit Cards When choosing the best business credit cards for sole proprietors, we looked for cards with the most flexibility for a variety of purchases. We also looked at low interest rates and fees, introductory bonuses, rewards, and the ability to build business credit. Bottom Line The best credit card for sole proprietors should suit your spending style. Maximizing the 0% APR period and earning introductory and ongoing bonus rewards will help save more money for your business in the long run. Also, choose a card that can help build your business credit as this will be useful when you need to qualify for other business financing options in the future.

The Capital One® Spark® Miles for Business is an excellent travel credit card with a low annual fee of $95, which is waived for the first year. It offers unlimited 2x miles on every business-related purchase, which you can redeem for flights, hotels, and vacation packages. You can also transfer miles to any of its travel partners. While it has no balance transfer and foreign transaction fees, it doesn’t come with an interest-free financing period. If you wish to compare one card over another, simply 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 Capital One® Spark® Miles for Business Is Best For Business owners who prefer a fixed-rate rewards card: With , you’ll earn unlimited 2x miles on all spending for a low annual fee. This makes it an excellent choice for business owners who don’t want to keep track of bonus category spending. It’s no surprise that this card is our top pick for best business credit cards for miles. Business owners who frequently travel for business: This Capital One travel rewards card allows you to use your miles on flights, hotels, vacation packages, and more. This makes it one of our top choices for the best business credit card for travel. If this travel business credit card isn’t a good fit for your business, you may head over to our recommended alternatives to find other options. Capital One® Spark® Miles for Business Fees APR Introductory APR: None Ongoing APR in purchases and balance transfers: 23.99% variable, which changes with the Prime rate Cash advance APR: 29.99% variable, which changes with the Prime rate Penalty APR: 32.4% variable, which changes with the Prime rate—will be applied to your account if you make a late payment. Fees Annual fee: $95, which is waived the first year Balance transfer fee: None Foreign transaction fee: None Cash advance fee: $3 or 3%, whichever is greater Late payment fee: Up to $39 How To Make Payments on the Capital One® Spark® Miles for Business Via phone: Call the 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: Download the Capital One iOS or Android app, log in to your account, select your card, and tap “Make a payment” At a Capital One branch: Visit a Capital One branch during normal business hours and pay your credit card bill. Via mail: Send a check or money order to: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083 Make sure to include your credit card number on your payment to avoid processing delays. Capital One® Spark® Miles for Business Rewards 50,000 one-time bonus miles when you spend $4,500 on purchases within the first three months after opening an account Unlimited 2x miles on every purchase, with no blackouts or seat restrictions and no minimum miles to redeem 5x miles on hotels and rental cars booked through Capital One Travel You can redeem your rewards for new travel reservations and past travel purchases, which should be made within 90 days from the date of your purchase. You can also redeem your rewards as cash back in the form of a statement credit, check by mail, or as gift cards at restaurants, retailers, or hotels. Automatic redemption is also available at a set time each calendar year or when a threshold has been reached. Your rewards may be worth more in travel when you transfer to one of Capital One’s partners. You can transfer your miles to select loyalty programs to any of Capital One’s over 15 travel partners, including Air Canada, JetBlue, Aeromexico, Emirates Skywards, Qantas, and Qatar Airways. Capital One® Spark® Miles for Business Additional Features Cash Management Payment Flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay. Year-end Summaries: You’ll receive an itemized report of what you have spent within the past year to simplify budgeting and tax times. Employee Cards: Not only does Capital One give your employees their own cards for free, but you can also track their spending, earn all their rewards from their purchases, and set a customized spending limit for each issued employee card. Travel Benefits Global Entry or TSA PreCheck®: Use your credit card to receive up to $100 credit for Global Entry or TSA PreCheck®. To qualify, you must either complete the Global Entry application and pay a $100 application fee or complete the TSA PreCheck® application and pay an $85 application fee. Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options. Protection Coverage Extended warranty: Get free additional warranty and protection on eligible items that you purchase with your Capital One credit card. $0 Fraud Liability: You won’t be liable for any fraudulent charges on your account; plus, you can get an emergency card replacement in case your card is lost or stolen. Fraud and security alerts: Capital One will notify you via email or text message alert if a potential mistake or suspicious transaction is detected on your account. Capital One® Spark® Miles for Business Alternatives American Express Business Platinum Card® is an excellent option if you travel frequently, want premium rewards and perks, and can pay your balance in full every month Lets you earn premium rewards on flights and prepaid hotels on Offers premium travel perks like access to over 1,400 airport lounges across the globe Is our top pick for the best business credit cards with airport lounge access U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is best for business owners who need interest-free financing and no annual fees Offers an introductory APR of 0% on both purchases and balance transfers for the first 15 billing cycles Lets you earn 3% cash back on eligible net purchases on gas stations, office supply stores, restaurants, and cell phone service providers Is our top-recommended small business fuel card, and one of our best business credit cards for balance transfers and leading business credit cards with 0% APR Chase Ink Business Unlimited® is designed for those who want a simple rewards program Offers unlimited 1.5% fixed rate cash back for every dollar spent on any business purchase, regardless of the spend category Lets you earn a welcome bonus of $750 cash back after spending $7,500 worth of purchases within the first three months after opening an account Is among our top choices for best business credit cards with no annual fee Bottom Line The  is best for business owners who prefer to earn fixed-rate travel rewards for all business-related purchases at a low annual fee. It’s an ideal fit if you travel for business often because it has no foreign transaction fees and you can redeem your miles for travel. Keep in mind, however, that it doesn’t offer interest-free financing. If this isn’t what you’re looking for, check out our list of the top credit cards to find other cards that may be a better fit. You may also visit our Credit Card Marketplace and our guide to the best Capital One business credit cards for more alternatives.