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

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

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: August 31, 2018
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 for Business 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 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; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • 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
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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

Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

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

BUSINESS CARD RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
0% Intro APR on Balance Transfers 12 months
14.99% - 20.99% Variable
$0
Good/Excellent

The no-annual-fee New! Ink Business Unlimited℠ Credit Card offers unlimited 1.5% cash back on every purchase, everywhere, with no categories to track or activate. New cardholders can also enjoy a competitive signup bonus and valuable intro-APR offer good on new purchases and balance transfers.

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; 14.74% - 22.74% 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

The Capital One® Spark® Cash Select for Business card also offers unlimited 1.5% cash back, with no annual fee and a modest intro-APR offer on new purchases. The card has no minimum requirements for redeeming your cash back, so you can get your money on your terms.

5. 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.

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.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

This card offers a range of useful bonus rewards categories that includes travel and advertising purchases. Plus, you’ll earn valuable Ultimate Rewards® points, which are popular for their high-value travel redemptions options.

7. U.S. Bank Business Edge™ Select Rewards Card

The U.S. Bank Business Edge™ Select Rewards Card has broad bonus rewards categories that let you customize your rewards to save on the purchases you make most frequently.

U.S. Bank Business Edge™ Select Rewards Card

  • Earn 3X rewards points on a broad bonus category of your choice, including day-to-day expenses, automotive, and travel/entertainment
  • Earn unlimited 1X point on all other purchases
  • Pay no annual fee

In addition to customizable bonus rewards, this card offers unlimited 1X point per dollar on all other purchases. It also comes with an attainable signup bonus and an intro-APR offer for new purchases.

8. 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.

9. 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.

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.

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; $95 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
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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 for Business is a good option. With a hefty signup bonus when you hit the minimum spending requirement, you can quickly earn free flights. In addition to the ability to earn miles, your Capital One® Spark® Miles for Business comes with perks such as extended warranty protection and emergency assistance.

BUSINESS CARD RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.74% - 22.74% Variable
$95
Good/Excellent

The valuable Ultimate Rewards® points you can earn with the Ink Business Preferred℠ Credit Card are some of the most popular flexible travel rewards in the game. To  get the very best value out of your rewards, turn them into branded loyalty rewards by transferring them to one of Chase’s hotel or travel partners.

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; 14.74% - 22.74% 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
14.74% - 22.74% (Variable)
$0
Excellent, Good

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

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

13. 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 6X points per dollar.

starwood preferred guest

  • Earn 6X points per $1 you spend at eligible Starwood or Marriott properties
  • Earn 4X on purchases in select business categories
  • Pay no annual fee the first year, then $95

Your Starwood Preferred Guest Business card will also net you complimentary Silver Elite status at Starwood and Marriott properties. Fill out the online application to get started.

14. 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.

15. 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.

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 for Business 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
24.74% (Variable)
$0
Average, Fair, Limited

As with other Capital One business cards, you can also add employee cards to your account at 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® 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.

The First Access Visa® Card requires you to pay one-time processing fee to access the $300 credit line and will report your credit behavior to the three credit reporting agencies.

First Access Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★
3.7

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Bad Credit

You’ll also pay an annual fee of $75 for the first year and $45 for every year after.

Another unsecured card that reports to all the bureaus, the Milestone® Mastercard® – Bad Credit Considered 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.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.9%
$35 - $99
Bad, Poor Credit

The Milestone® Mastercard® – Bad Credit Considered actually determines your annual fee based on your credit profile and APR, with fees ranging between $35-$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.