April 20, 2018 - Businesses large and small have a lot of expenses. Why not get rewarded for that spending? From hotels to highlighters, business credit cards reward you on the things you're already buying for your business, which can mean thousands in savings each year. We analyzed 368 business credit cards to find you the best offers - here are the 10 best business credit cards from our partners.
See the best business credit card offers from our partners below.
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Updated: April 20, 2018
If you’re a small-business owner, you probably don’t have time to sort through a laundry list of business cards and complicated rewards schemes. But if you’re looking for the right card for your business, it pays to sweat the details.
A good business card can help you invest more in your company, smooth out fluctuations in your monthly cash flow and build a better credit score for your business. It can also help you organize your expenses and monitor your employees’ spending.
Even better, many of the best business credit cards nowadays come packed with generous rewards that help you trim expenses and enjoy exclusive benefits. Here, we look at:
Whether you want to understand more about how to properly use a business card or how to build business credit, we can help.
After researching and analyzing over 360 business credit card offers, here are our picks for the 10 best business credit cards. The Ink Business CashSM Credit Card and Capital One® Spark® Cash for Business are at the top of our list because of their large sign-up bonuses and great cash back rates for everyday business expenses.
Business cards, whether credit or charge, are a great way to organize business expenditures and to build rewards. You can earn points, miles or cash back with a variety of categories specific to businesses, such as advertising and office supplies.
Business credit cards analyzed: 368
Criteria used: Rewards categories, rewards rates, redemption options and flexibility, sign-up bonus, customer service, small business perks, annual fee, other rates and fees, security, credit needed, ease of application
The Ink Business CashSM has a really strong sign-up bonus right now and good cash back rates in common business spending categories (office supply stores, internet, cable, phone, gas, restaurants). Consider this a go-to business card if you spend most in those categories and don't want the hassle of an annual fee.
If you don't want to worry about remembering what your bonus categories are, the Spark Cash is a great card - you get 2% cash back on everything. Couple that with a strong sign-up bonus and easy access to additional employee cards, and you have one of the strongest business cards out there.
Stefanie O’Connell (personal finance expert): "Unlimited 2 percent cash back on every purchase, a $500 sign-up bonus and simple cash back reward redemption make the Capital One Spark Cash for Business card an easy way to get rewarded for doing business on a daily basis."
Daniel P. Ray (editor-in-chief at CreditCards.com): "With the Capital One Spark Cash for Business card, you don’t have to learn about complicated redemption plans. You just earn, and handsomely, with every purchase."
Matt Schulz (senior industry analyst at CreditCards.com): "If you're running a business, your to-do list is 100 miles long. What you want from a card is simplicity, flexibility and predictability. That's why Spark Cash from Capital One is so great. It's a simple cash back card that gets you 2 percent on everything you spend. Nice and easy, and you can use those rewards on whatever you think is best for your business."
This is a great no annual fee business credit card if you want Membership Rewards points. You'll get 2x points on every purchase which you can redeem for a variety of things - travel, statement credits, and more.
The no annual fee version of the Spark Cash, the Spark Cash Select has slightly trimmed down rewards (1.5% cash back on everything), but without the added expense of an annual fee.
The Ink Preferred has one of the best sign-up bonuses on the market right now, and it has great rewards rates in common business expense categories. This card is a no-brainer if you spend a lot on advertising and want valuable Chase Ultimate Rewards points.
The Spark Miles Select is another no annual fee business card that is easy to understand - 1.5 miles on every purchase and they are worth 1 cent a piece. It also has a decent sign-up bonus of 20,000 miles when you spend $3,000 or more within the first 3 months.
With its 3% cash back on gas, the Business Advantage Cash Rewards card is perfect for business travelers who take frequent road trips. It offers that same rate of 3% back on office supplies, 2% back at restaurants, and 1% on everything else, solidifying its status as a versatile credit card.
The Spark Miles card is an easy to understand miles-earning business credit card - 2x miles on everything. It does come with a $95 annual fee (waived first year), but the value you get from your rewards and the solid sign-up bonus more than outweighs the cost here.
Weighing in with a strong rewards rate of 3 points per dollar on car, hotel, and airline purchases booked through BofA's Travel Center and a rate of 1.5 points per dollar on all other purchases, the Travel Rewards World Mastercard is a solid option for business travelers. These rewards are made even more attractive by the fact that it comes with no annual fee.
This is a very valuable card for businesses who like to choose their own bonus categories and earn valuable Membership Rewards points with American Express. It also has a large 50,000 point sign-up bonus that is very lucrative.
As you might gather from the name, business credit cards are designed for use by business owners for business use rather than private individuals who have personal cards for their personal use. Business credit cards are often used to build a company’s credit history, improve its cashflow and keep business expenses separate from personal charges. Business credit cards are available to businesses of all sizes, including sole proprietorships, and they may or may not show up on your individual credit report.
An important difference to note: Small-business cards are different from corporate credit cards. Corporate cards are issued by only a few banks to companies that have a relationship with that bank, and are issued to the company as a whole rather than to an individual within the company.
Business credit cards work similarly to consumer credit cards, allowing you to make purchases and repay them at a later date. They usually include a credit limit (though not always) and offer many of the same features and benefits as consumer credit cards – such as rewards programs with large sign-up bonuses, travel benefits and purchase protections. However, in contrast to consumer credit cards, business cards also tend to include business-specific features, such as rewards targeted to business purchases and features to help track and manage spending.
If you are a small-business owner trying to build your credit history and grow your business, a business credit card can be a beneficial tool. But they also come with potential downfalls.
Here’s a summary of the pros and cons:
Build credit for your business
A business credit card can substantially boost your business credit history. By putting small charges on your card each month and paying them off, you can create a record of timely payments for your business.
Improve your cash flow
If you need to make purchases for your business before your customers pay you, using credit cards can be a smart practice – as long as you’re assured of getting the funds to pay off the balance. Business cards tend to offer higher credit limits and more flexible payment terms to help with cash flow. Some cards even give business owners flexible due dates to pay off a balance.
Track and manage your business spending
Business cards allow you to keep your business spending separate from personal expenses, and to see all your business purchases in one place. Most business credit cards will integrate with Quickbooks, so you can easily upload and track your spending.
Issue cards to your employees with spending controls
Many business cards will issue individual cards to your employees for free, to save your employees from having to cover business expenses with their personal funds. If you are leery about employees misusing their cards, you can set up spending limits and alerts for each user to keep them in check. Another bonus of employee cards: You get to collect the rewards on all their purchases.
Get rewarded on business-specific purchases
A business credit card can help you reap substantial rewards on your business purchases, with bonus categories targeted to common business purchases. The Chase Ink Business Cash Credit Card, for instance, offers 5 percent cash back bonus on office supplies, internet, cable and phone services (on the first $25,000 in combined purchases each year).
Additional sign-up bonus opportunities
If you’ve maxed out your opportunities to earn sign-up bonuses with a certain issuer, you may be able to collect an additional sign-up bonus by applying for the business version of a card – and often with a larger sign-up bonus than the personal version of the card.
Your personal finances are at risk
Unless you have a large, established business – and even sometimes if you do – the bank may require you to personally guarantee your credit card. If you don’t manage your card carefully, you can land yourself in mountain of debt that you will be personally responsible for paying off.
A business failure can impact your personal credit score
If your business fails and you end up with a credit card balance you can’t pay off, it will go on your personal credit report.
Business cards are typically laden with features – such as detailed expense tracking and spending reports – that may be overkill for the average consumer. Also, because they’re exempt from the consumer protections offered by the federal Credit CARD Act, you might be charged higher late fees or have your APR suddenly hiked up (though many issuers extend consumer-friendly terms to their business cards).
You may assume that you have to be the owner of a business with multiple employees and an office or store front to apply for a business credit card, but that simply isn’t true. Anyone who owns a side business – such as baby-sitting, yard maintenance, blogging or consulting – that makes money (or possibly doesn’t even have an income yet) can potentially qualify for a business card.
Here’s what you’ll be asked for when you apply:
Having a well-established business, of course, helps your odds, but you may be able to qualify by just supplying the above information. Here are a few other things you can do to boost your chances of qualifying:
To build a credit history for your business, you need to establish that your business is a separate entity from yourself and take steps to make sure that your business’ spending activity is being tracked by business credit bureaus. Here are some steps you can take to create a credit history for your business:
A checking account will help you establish your business as a financial entity. Be sure to use it responsibly – keep an adequate balance in it and don’t bounce checks.
Register for a DUN number through Dun and Bradstreet to establish a credit history with them. For Experian and Equifax, establish a LLC so you can get an EIN and set up a phone line with a listed number.
If some of your vendor accounts are not making it onto your credit report, you can use D&B’s Credit Builder service to provide positive payment information to your credit report. You can provide D&B with your vendors contact information, then D&B will contact them to verify your payment history.
Unlikely though it may seem, building your personal credit score is one of the first steps to building a credit history for your business. A good personal credit score can help you acquire your first lines of business credit. Also, your personal credit history will likely be considered down the line along with your business credit history when you apply for additional loans.
Before you’ve built up your business credit history, you can use your personal credit history to qualify for a business credit card. Your activity on the card should be reported to all the business credit bureaus. Use it often and be sure to pay your bill on time and in full each month.
Consistent and prompt payments are the single most-critical factor in a business credit report. Diligently paying all your accounts on time will go a long way toward demonstrating your ability to manage loans.
To make sure you can make your own payments on time (and minimize your need for cash flow), make sure your own customers paying you in a timely manner. Send out your invoices as soon as a service is performed and encourage your customers to pay on time.
Shift your spending to your business accounts and pay off your balance in time to strengthen your company’s credit report.
Request credit line increases on your existing accounts – this will improve your credit-to-debt ratio and thus your overall credit score.
Credit scoring for businesses is a bit different (and more complicated) than scoring for consumers. Personal FICO scores range from 300 to 850 while business credit scores generally range from zero to 100. There are three primary business credit score bureaus – Dun & Bradstreet, Equifax and Experian – and they all structure their ratings differently. Here’s a quick summary for you:
Dun & Bradstreet offers three scores in its credit report:
Equifax offers four scores in its credit report:
Experian offers a single score in its credit report:
Note, if you are intending to apply for a business credit card, you’ll also need to look at your personal FICO score, since card issuers use your personal credit history to determine your credit worthiness. A FICO score of 700 is considered good, while 750 and above is considered excellent.
You can find your business credit score by visiting the Dun & Bradstreet, Equifax and Experian websites. You can check your business credit history at no cost. You will have to pay a fee to see your credit scores — $61.99 for your Dun & Bradstreet score, $99.95 for your Equifax score and $39.95 for your Experian score.
Usually not. Business credit cards typically aren’t recorded on your personal credit report unless your account becomes seriously delinquent – but it depends on the issuer. Capital One, for instance, does report all the activity on your business cards to consumer credit bureaus, but Bank of America does not.
Here’s a summary of credit reporting policies for the major issuers:
|Issuer||Reports to personal credit bureaus?|
|American Express||Yes. But only negative information.|
|Bank of America||No.|
|Capital One||Yes. Capital One flags all data sent to personal credit bureaus as "small business" so bureaus can incorporate the data into their reports accordingly.|
|Chase||No. But will if account becomes seriously delinquent.|
|U.S. Bank||No. But will if account becomes seriously delinquent.|
While consumer and business cards have much in common, business cards are targeted to small businesses and have unique features that may make them less useful for someone who doesn’t own a business. Here are the key differences:
Business cards often have better terms than consumer credit cards. Business cards frequently come with higher credit limits, and some cards – such as the American Express Plum card – may offer flexible payment terms to help businesses maintain cash flow.
Business owners, who tend to spend more heavily on their cards than personal cardholders, are plum targets for credit card issuers. Business cards often feature very generous bonuses to lure in business owners.
Unlike personal cards, which are pretty much open to anyone with a high enough credit score, business credit cards require you to own a business to apply. Luckily, the definition of a qualifying business is permissive – any side job through which you earn income may qualify as a business.
Business credit cards tend to target their bonus categories toward common types of business purchases, such as travel, dining and office supplies.
Business cards also tend to come with features that help business owners manage their credit card spending, such as expense tracking, integration with Quickbooks and the ability to issue employee cards with spending limits and account alerts.
Business credit cards report to business credit bureaus, and are very useful for building a credit history for your business.
Depending on the issuer, a business credit card account may not appear on your personal credit report. Some issuers, such as Capital One, report all your business credit activity, some only report delinquencies and some issuers don’t report to personal credit bureaus at all.
Consumer protections, such as the credit CARD Act of 2009, generally don’t apply to business credit cards. With a business card, you could potentially be subject to instant rate hikes, fluctuating due dates and high late fees and overlimit charges. (However, most issuers voluntarily extend the same protections to their business credit card customers.)
Business credit cards and business charge cards are very similar to one another – you can use either type of card to make purchases against a line of credit, which has to be paid either partially or in full by the end of the month. There are key differences between the two, however:
A charge card may be the better way to go for your business, since they offer more spending flexibility and they have less impact on your credit score, since there isn’t a debt-to-credit ratio. However, they can also be more difficult to qualify for. A business credit card may be the better option if you need a card with a lower barrier to entry and also if there’s a possibility you might carry a balance from month to month.
There’s no one-size-fits-all business credit card. Business’s credit needs can vary greatly, and business credit cards vary along with those needs. Here’s what you need to consider in choosing the best card for your needs:
Your first step in picking the right business credit card is determining what your needs are for a credit card.
Consider the amount that you’re likely to charge each month, and whether you’re assured of paying your bill off at the end of the month. If you need the flexibility to make very large purchases, you might choose a charge card, which doesn’t impose a credit limit. If you’re likely to carry a balance at all, you might want to steer clear of a charge card, which you can impose a stiff penalty for not paying off your bill. And, if you think you’ll need more flexibility in paying off your balance, you might look for a card with a more flexible deadline.
If you think a rewards card is the best option for you, the next step is to figure out your preference for rewards.
Once you’ve settled on the type of rewards that you prefer, you should look at how your business allocates its spending, to decide which card will be most rewarding for you:
Many business credit cards come with annual fees, and the fees are often well worth it. If you run some calculations, you’ll often find that you’ll get far more value out of a card with an annual fee than a card without one.
Business credit cards often come with a long list of benefits that can add considerable value to card on top of the card’s rewards program. Keep an eye out for features to track and manage your spending, including integration with account software such as Quickbooks, which could make life much easier for you (or your account manager).
If you plan to issue cards to your employees, you should look for a card that allows you to set spending controls and alerts on your employee cards. Also, cards often come with travel and purchase protections that can add some insurance to your next trip or major business purchase.
The majority of business cards come with a points or miles-based rewards program that offer you a choice of redemption options – including travel, merchandise and gift cards – in exchange for your miles or points. Of the 368 business credit cards we analyzed, we hand-picked 40 cards for in-depth individual reviews. 28 out of these 40 business cards in our reviews database include a points- or miles-based rewards program. Out of these, four allow you to collect airline miles, which you can redeem for airfare and other airline rewards, three are cobranded hotel cards that offer hotel nights in exchange for your points and 21 are general rewards cards that offer a wide variety of redemption options.
Cash back cards, which are popular among business owners thanks to their simplicity and high value of cash back rewards, are less common. They constitute 12 out of the 40 business credit cards.
As far as bonus categories for spending go, travel and transportation is by far the most common bonus category among the cards in our review set. 17 out of 40 cards include a bonus category for travel and transportation purchases. Gas station purchases is also a popular bonus category, as is dining and entertainment purchases (12 cards). Flat-rate rewards cards – which offer the same rewards rate on every purchase – are also very common, constituting 13 out of the 40 cards in our review set.
Or download an app that tracks all this information for you. Our Wallet app helps you manage all your credit card accounts and tells you which card to use at the time of purchase.
Business credit cards typically come with the same travel and purchase protections as their consumer counterparts as well as business-specific features that are better-suited to the needs of small-business owners:
Business cards come with high credit limits – usually of $50,000 or higher – which makes them ideal for making large purchases. Some cards, such as the American Express SimplyCash Plus card, even allow you to exceed your credit limit when you need to make a large purchase.
The ability to track and manage business spending is generally a must-have for business owners. Most business credit cards come with expense-tracking features, such as apps that allow you snap photos of your receipts and file them on the go, spending reports, yearly summaries and the ability to designate an account manager to manage it all for you.
Integration with QuickBooks and other types of accounting software is another common feature, which can help automate your bookkeeping.
Business credit frequently allow you to issue cards from your account to your employees – usually for free, but sometimes for a fee – and to set up individual limits for each card along with account alerts to help you keep a close eye on your employees’ card use.
Many business credit cards include programs – such as VisaSavings Edge, Mastercard Easy Savings and American Express OPEN – which give you a small discount with a select list of merchants. The number and variety of merchants varies greatly by program. You can get a significant savings if you happen to shop frequently with a merchant.
You’ll find the usual purchase protections on your business credit card, including insurance against theft and damage for items purchased with your card, extended warranty, price guarantees and the ability to return any item within a designated time frame for a full refund. These protections are especially valuable if you need purchase expensive equipment for your business.
If you or your employees do a lot of traveling for your business, you may be able to make good use of the travel protections that frequently come on business credit cards. Travel protections often include trip cancellation insurance, travel accident trip delay insurance, insurance for lost and delayed baggage and car rental insurance.
A business credit card can be a powerful tool for increasing your purchasing power and building your business credit history, but it can also come with serious liabilities. Here are some tips to help you avoid the pitfalls:
Since business cards aren’t regulated by the CARD Act, you should take a close look at your card’s terms and conditions and monitor any changes to terms and conditions that come in your email. Keep an eye out for changes in interest rates, due dates or fees.
Don’t put your personal spending on your business credit card. Mingling your expenses makes it harder to track your business spending. Plus, it can make you personally liable if someone sues your company.
Put limits and alerts on your employees’ credit card accounts and establish clear rules on how employees can use their cards.
Don’t just hand out cards to every employee in your company. Limit cards to accountable employees who need cards to make purchases on a frequent basis. This will help keep your expenses in check, simplify account management and limit the risk of an employee going on a spending spree.
By putting a balance on your card each month and paying it off by the due date, you can quickly improve your business credit score by creating a record of timely payments.
Don’t let your card’s rewards program tempt you into putting extra purchases on the card. Charge only what you need to each month.
Use your credit card’s expense reporting features to keep close tabs on your spending. Look for opportunities to cut expenses.
Figure out ahead of time what your cash flow is going to be through the month. See if you can negotiate your due date with your credit card issuer so that it falls on a date where you will have funds to pay off your balance. Make large purchases right after your statement closes so you have plenty of time to repay the balance.
Make sure you have a plan in place to repay the amount that you borrow against your credit line, so you can pay it off quickly and avoid high interest fees, penalties or possibly incurring a debt you can’t afford to repay. Avoid carrying a balance past the due date if you can, since the interest can be very costly.
Purchase equipment with your credit card to extend the card’s purchase protections to it. You can possibly save yourself a lot of money if the price goes down, or your equipment malfunctions or gets lost or stolen.
Take advantage of all the features your issuer offers to simplify your account management. Set up automatic alerts for your card and your employees’ cards, set up autopay to make sure you meet your payment due date and link your account to your accounting software so you can easily download all your expenses.
If you do happen to incur interest from carrying a balance on a business credit card, be sure to note it on your tax form – it counts as a business expense.
The best approach to comparing two business credit cards depends on how you intend to use the card. If you are searching for a card to finance a large payment, you might compare the interest rates on two cards (or the length of their introductory period if they both offer 0-percent financing) and the flexibility of their repayment terms. If you are looking for a card to manage cash flow, you might examine the flexibility of payment terms on two cards. Or, if you are hoping to earn cash back or travel rewards with your credit cards, you might compare the value of the rewards that you can earn with each card.
Since business rewards cards are a popular option, we’ll take a deeper dive into how to compare them:
Your first step is to calculate the rewards value for the two cards. Basically, you need to estimate how much you’re likely to spend in each of the card’s bonus categories over the year, multiply that amount by the rewards value (don’t to forget to figure in the value of points if it’s a points or miles card), add in the sign-up bonus and subtract the annual fee. You should use the following formula:
Rewards value = (Spend in category 1 x Rewards rate x Point value) + (Spend in category 2 x Rewards rate x Point value), etc. + Sign-up bonus - Annual fee
For example, in the following table we calculate the rewards earnings for a cardholder who spends $48,000 on a card in a year, with 6 percent of their spending allocated to office supplies, internet, cable and phone services ($2,880); 12 percent to dining out ($5,280); 11 percent to gas station purchases ($5,760); and 71 percent to other types of purchases ($34,080).
For this particular cardholder, the Capital One Spark Cash card – though it doesn’t offer any bonus categories -- comes out ahead, thanks to its high rate of 2 percent cash back on every purchase:
Rewards value in the first year ($48,000 spend)
Capital One Spark Cash
Chase Ink Business Cash
|2% x $48,000 + $500 sign-up bonus - $0 annual fee (waived first year) = $1,460||(5% x $2,880) + (2% x $5,280) + (2% x $5,760) + (1% x $34,080) + $500 sign-up bonus - $0 annual fee = $1,205.60|
Over the long term, the Capital One Spark Cash card proves to be the better value. Even when we add in the annual fee in the second year, our model cardholder still earns a larger amount of cash back with the Capital One Spark Cash card:
Rewards value in the second year ($48,000 spend)
Capital One Spark Cash
Chase Ink Business Cash
|2% x $48,000 - $95 annual fee = $865||(5% x $2,880) + (2% x $5,280) + (2% x $5,760) + (1% x $34,080) - $0 annual fee = $705.60|
You should also take a look at the cards’ other features before you decide which one to go with. For instance, you need to consider how easy it is to earn and redeem rewards with the cards.
The Capital One Spark Cash card and the Chase Ink Business Cash card are both simple, flexible cards, but the Capital One Spark Cash card comes out ahead in redemption flexibility. Unlike the Chase Ink Business Cash card, the Capital One Spark Cash card doesn’t set any limits on the cash back that you can earn and there is no minimum threshold to redeem your cash back. You can redeem any amount at any time, and you can even set your account to automatically redeem your cash back, once it reaches a certain amount:
Comparing redemption flexibility
Capital One Spark Cash
Chase Ink Business Cash
When you look at the cards’ features, you can see that the Chase Ink Business Cash card, while it does have similar account management features to the Capital One Spark Cash card, doesn’t have the same depth of travel and purchase protections. Of course, the Capital One Spark Cash card comes with a $95 annual fee. Basically, you’re paying a premium for all the extra features:
Capital One Spark Cash
Chase Ink Business Cash
As you can see from our example, a card with an annual fee can often be a great value, depending on your spending habits and whether you’re likely to use all the features. But who says you have to choose just one business rewards card? Signing up for multiple rewards cards and juggling them to earn extra points in the cards’ bonus categories can be a great way to maximize your rewards.
Our business credit card reviews can help you compare offers to find the one that best suits your needs.
|Credit Card||Best For:||CreditCards.com Rating||Annual Fee|
|Ink Business CashSM Credit Card||Cash back||3.4 / 5||$0|
|Capital One® Spark® Cash for Business||Sign-up bonus||4.4 / 5||$0 intro for first year; $95 after that|
|The Blue BusinessSM Plus Credit Card from American Express||Flexible credit limit||4.4 / 5||$0|
|Capital One® Spark® Cash Select for Business||No expiration on rewards||N/A||$0|
|Ink Business PreferredSM Credit Card||Sign-up bonus||4.2 / 5||$95|
|Capital One® Spark® Miles Select for Business||No annual fee||3.7 / 5||$0|
|Bank of America® Business Advantage Cash Rewards Mastercard® credit card||Gas purchases||2.5 / 5|
|Capital One® Spark® Miles for Business||Airline miles||4.2 / 5||$0 intro for first year; $95 after that|
|Bank of America® Business Advantage Travel Rewards World Mastercard® credit card||Travel rewards||3.5 / 5|
|The Business Gold Rewards Card from American Express OPEN||Rewards points||3.8 / 5||$0 intro first year; $175 thereafter|
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