19 Best Small Business Credit Cards (Cash Back, Bad Credit, More)

19 Best Small Business Credits Cards (Cash Back, Bad Credit & More)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: March 3, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

From cups and coffee to staplers and sticky notes, running a business requires a lot of supplies — and expenses. One of the best ways to manage your daily expenditures is by using a business credit card for your purchases. Not only does a business card ensure you won’t be dependent on having cash on hand to make important purchases (which can be a problem when you’re waiting for invoices to get paid), but online issuer portals and mobile apps can be a good way to keep track of your spending.

Of course, as with personal credit cards, one of the best parts of a great business credit card is the rewards. Whether you want cash back, airline miles, or flexible rewards points, you can likely find a business card to suit you — and your business.

Cash Back | Rewards Points | Travel | Fair Credit | Bad Credit

Top Cash Back Cards for Small Business

The most straightforward of rewards types, getting cash back for your purchases is like having a discount coupon that applies to just about everything.

When it comes to cash back cards, the Capital One Spark Cash card is certainly a strong contender. It has one of the best general cash back bonus levels, offering an unlimited 2% cash back on all of your purchases so you don’t have to keep track of bonus categories. The Spark Cash card also comes with a generous cash back bonus once you hit the initial spending requirements.

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% (Variable)
$0 intro for first year; $59 after that
Excellent, Good

You can also add employee cards to your Spark Cash account — at no additional charge — and earn the same cash back rewards from employee purchases.

For those who don’t spend quite as much, the Capital One Spark Cash Select card has a lower spending requirement to receive the decent cash back bonus. You’ll also earn an unlimited 1.5% cash back on all of your purchases. The best part? No annual fee.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
13.74% - 21.74% (Variable)
$0
Excellent, Good

Your Spark Cash Select card also has no minimum requirements for redeeming your cash back, so you can get your money on your terms.

3. SimplyCash® Plus Business Credit Card

While the SimplyCash Plus Business card does not offer a signup bonus, it does have good cash back rewards that you can customize around your business needs. Additionally, the SimplyCash Plus card has no annual fee to undercut the value of your cash back rewards.

amex simplycash business

  • Earn 5% cash back for your purchases on office supplies and communications
  • Earn 3% cash back for purchases made in your customized category
  • Get 0% APR on purchases for an initial 9-month period

As a bonus, the SimplyCash Plus Business card charges you no over-limit fees, and you get cash back on those purchases. You can apply online to see if you qualify for SimplyCash Plus.

4. Ink Business Cash

If your business expenses involve a lot of car trips to the office supply store, the Ink Business Cash card may be for you. In addition to cash back at office supply stores, you can also earn bonus rewards on gas and dining.

ink business cash

  • Receive a $300 bonus when you spend $3,000 in the first 90 days
  • Earn 5% cash back on office supply purchases, phones, and cable services
  • Earn 2% cash back at gas stations and restaurants

You won’t pay any annual fee for your Ink Business Cash card, and your cash back rewards won’t expire as long as your account remains open. The online application takes just minutes to complete.

5. Cash Rewards for Business

The Cash Rewards for Business credit card from Bank of America is a solid business card, offering a good signup bonus with one of the lowest spending requirements on the market. The online application takes just minutes to fill out, and you can redeem your cash back rewards as a statement credit or deposit to your Bank of America business checking or savings account.

bank of america cash rewards for business

  • Receive $200 statement credit after spending just $500 in the first 60 days
  • Earn 3% cash back in gas stations and office supply stores
  • $0 annual fee

You’ll also enjoy 0% APR on new purchases for the first nine billing cycles after you open your new credit account.

Top Rewards & Points Cards for Small Business

Where cash back is the most straightforward rewards type, some business owners prefer the flexibility of points. In general, points can be redeemed in a variety of ways, including cash back, gift cards, travel, and products.

6. Business Platinum Card®

For businesses with a higher volume of spending, the Business Platinum card from American Express is a great option. You can earn 50,000 bonus points after spending $10,000 in the first 90 days, and an extra 25,000 bonus points if you spend another $10,000 in those same 90 days. Other perks include:

amex business platinum

  • Receive a $200 airline fee credit annually
  • Earn 1.5X points on purchases of $5k or more
  • Pay no foreign transaction fees

The points you earn can be redeemed for anything from gift cards to flights, with travel booked on Delta commercial flights receiving a 20% discount. Apply online through the American Express website.

7. Business Gold Rewards Card

Offering a more easily attainable spending requirement for a still-meaty signup bonus, the Business Gold Rewards card from American Express is a good alternative if your business doesn’t spend enough to make the Platinum card worthwhile. A quick online application will net you:

amex business gold

  • Earn 50,000 bonus points after spending $5,000 in the first 3 months
  • Earn 3X rewards points in your chosen category, 2X in other categories
  • Annual fee waived the first year

You can use your Business Gold card on your international business trips, as well, as you’ll pay no foreign transaction fees.

8. Ink Bold with Ultimate Rewards

Chase’s Ultimate Rewards program is one of the more popular points programs on the market, and the Ink Bold lets you earn Ultimate Rewards points with every business purchase. If you’re frequently picking up paper or Post-Its at the local office supply store, the Ink Bold is a good option.

ink bold

  • Earn 5X points up to $50,000 spent on office supplies and communications
  • Points never expire as long as account is open
  • Purchase protection covers new purchases for 120 days against damage or theft

In just a few minutes you can complete the online application to start earning Ultimate Rewards.

9. Worldpoints for Business

A Bank of America product, the Worldpoints for Business card offers an easy-to-earn initial bonus as well as rewards redemption starting at only 2,500 points. You can redeem for gift cards, cash back, and travel.

boa worldppoints for business

  • Earn a $200 bonus statement credit when you spend $500 within the first 60 days
  • Earn 2X points on gas, restaurants, and office supplies
  • Pay no annual fee

In most cases, you’ll receive a response in minutes after completing the easy online application.

Top Travel Cards for Small Business

As any frequent business traveler knows, a few perks can go a long way toward turning your business trip into a pleasure. In that respect, the right travel rewards card can make all the difference.

Whether you’re constantly in the air for business, or just want to earn miles toward your next vacation when making necessary business buys, the Capital One Spark Miles card is a good option. With a hefty signup bonus when you hit the minimum spending requirement, you can quickly earn free flights.

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% (Variable)
$0 intro for first year; $59 after that
Excellent, Good

In addition to the ability to earn miles, your Capital One Spark Miles card comes with perks such as extended warranty protection and emergency assistance.

With an introductory 0% APR offer, unlimited cash back, and a signup bonus worth hundreds in free travel, the Capital One Spark Miles Select card is a solid choice for business travelers.

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
13.74% - 21.74% (Variable)
$0
Excellent, Good

Enjoy $0 fraud liability on your Capital One Spark Miles Select card, so you never have to worry about charges from a lost or stolen card.

12. Starwood Preferred Guest® Business Credit Card

Not only does the Starwood Preferred Guest Business card from American Express provide the opportunity to earn rewards points at any Starwood property, but eligible purchases made in thousands of Marriott locations will also earn 2X points per dollar.

starwood preferred guest

  • Earn 25,000 bonus points for spending $5,000 in the first 3 months
  • Free club lounge access when staying in a qualifying  Starwood hotel
  • Receive free WiFi access

Your Starwood Preferred Guest Business card will also net you complimentary SPG Gold Status after you spend $30,000 on your card in a calendar year. Fill out the online application to get started.

13. Delta Business Gold

With routes reaching more than 325 cities around the world, your Delta Business Gold card can help you earn free flights to just about anywhere you want to go. Only a short online application separates you from tons of Delta airline miles:

amex delta skymiles

  • Earn 30,000 bonus miles after spending $1,000 in the first 3 months
  • Earn 2X miles on all Delta purchases, 1X everything else
  • The $95 annual fee is waived for the first year

The Delta Business Gold card can help you save a little extra at the airport, too, with a free checked bag and a 20% statement credit for in-flight purchases on your Delta flight.

14. CitiBusiness American Airlines

American Airlines offers nearly 6,700 flights a day to 350 different destinations, making the CitiBusiness American Airlines credit card a top choice for frequent business flyers of all kinds.

citibusiness american airlines

  • Earn 2X points on American Airlines purchases, plus gas, car rentals & cellphones
  • Earn 50,000 bonus points when you spend $3,000 in the first 3 months
  • Receive a free checked bag & priority 1 boarding on domestic flights

The CitiBusiness American Airlines card also waives the $95 annual fee the first year, so there’s no reason not to apply online today.

15. Club Carlson Business Rewards Visa

The Club Carlson Business Rewards comes with a choice signup bonus, giving you 50,000 bonus points after your first card purchase and an additional 35,000 bonus points for spending $2,500 in the first 90 days. Since Club Carlson free nights start at just 9,000 points, your signup bonus can be worth a full nine free nights.

club carlson business rewards visa

  • Earn 10X points on Club Carlson purchases and 5X points everywhere else
  • Receive 40,000 bonus points every year when card is renewed
  • Receive Gold Elite Status once you activate and use your card

The Club Carlson portfolio contains more than 1,000 properties, including the popular Radisson and Park Plaza hotel locations. You can apply online in minutes.

Top Card for Business Owners with Average/Fair Credit

While some credit card issuers claim they have no minimum credit score requirements, there is a correlation between credit scores and application approval. Most business cards, in particular, require good to excellent credit — but not all.

The process of building, or rebuilding, credit is a slow one, and you may be stuck with a credit score that is less than ideal. The Capital One Spark Classic credit card welcomes applicants with fair or average credit scores — and offers unlimited 1% cash back.

BUSINESS CARD RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.74% (Variable)
$0
Average, Fair, Limited

As with other Capital One business cards, you can also add employee cards to your account with no additional cost, multiplying the rewards you can earn.

Getting a Business Card with Bad Credit

Likely the biggest challenge in the business credit world is finding a business card when you have poor credit. Unfortunately, few want to take a risk on your business if you have bad credit. Your best bet may be to improve your credit through the responsible use of a consumer credit card. Some of our top-rated cards for people with poor credit are below to get you started.

The Total Visa credit card is an unsecured card that reports to all three major credit bureaus, which is what you want out of a credit-building card. You’ll receive a spending limit up to $300, depending on your creditworthiness.

Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

In addition to the one-time processing fee, you’ll need to pay an annual fee every year, and a monthly service fee after the first year.

If you need higher credit limit, the Surge MasterCard offers up to $500 for qualified applicants. Surge also reports to all three bureaus, making it a solid option for credit rebuilding.

Surge MasterCard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★
4.4

OVERALL RATING

3.9/5.0
  • Monthly reporting to the three major credit bureaus
  • Initial credit limit of $500.00* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking account required
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See terms
See terms
Bad, Poor Credit

The Surge card does not have a processing fee but does charge an annual fee that must be paid before you can use the card, as well as a monthly maintenance fee after the first year.

Another unsecured card that reports to all the bureaus, the Milestone MasterCard won’t charge you interest on purchases that are paid off before the due date of your statement.

Milestone® MasterCard® - Bad Credit Considered Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
4.3

OVERALL RATING

3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.9%
$35 - $99
Bad, Poor Credit

The Milestone MasterCard actually determines your annual fee based on your credit profile and APR, with fees ranging between $35 and $99.

Earn Rewards While You Grow Your Small Business

Whether you’re a CFO or one-man show, a good business credit card is a must-have — especially when it can help you earn miles or points toward free travel and rewards on every stapler and coffee cup. With so many options on the market, choosing the right business card will likely come down to choosing the best rewards for your business style and spending habits, so make sure to compare your options before making a selection.