Best Business Credit Cards

Separate business credit from personal with a business credit card.

Learn more about the best business cards and banks.

Business Credit Cards

Small business owners need cash flow and a business credit card can help with short-term needs. When choosing a business credit card, consider the rewards, interest rate and annual fees to make sure it aligns with your business needs.

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Business Credit Cards

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Audience

Small business-friendly.

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Perks

Offer cash or rewards with purchases.

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Fees

Offer no or low annual fees.

Recommended Business Credit Cards

Business Credit Card Best For Rewards Rate Annual Fee
ink business unlimited credit card
Boosted Rewards
1.5% unlimited
$0
American Express Blue Business Cash
No annual fee
2% (up to $50k in annual spend, then 1%). Terms Apply
No annual fee. Rates & Fees
Capital One Spark Cash for Business
Cash back rewards
2% unlimited
$0 intro for first year; $95 after that
american express new card
Long intro APR period
2X (up to $50k in annual spend, then 1X). Terms Apply
No annual fee. Rates & Fees
ink business cash credit card
Cash back with high rewards rate on office supplies
5% on office supplies, internet More information
$0

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See All Business Credit Cards

Factors To Consider Comparing Business Credit Cards

Card Application

What you’ll need for a business credit card application

Here are the commonly required fields on business credit card applications.

Business Credit Cards
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Do I need an Employer Identification Number to get a small business credit card?

It depends on the card, but you will usually need an EIN to submit a business credit card application. If your business doesn’t yet have an Employer Identification Number or business entity, click here.

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What is your credit score?

Most credit card issuers will require a good credit score (670+), while others may even require an excellent score (720+). Although there are a small number of cards that require fair credit (620+), just like a personal card, you may increase your chances of getting approved for a business card with a higher credit score.

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What are the benefits of a business credit card?

The first reason for a business credit card is to help you keep your business and personal expenses separate, which is essential for filing taxes. Additionally, business credit card rewards and benefits are tailored to small business needs, unlike consumer cards. Last but certainly not least, to build business credit.

Business Credit Cards

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