Small business credit cards can be your ally if you are a small business owner. Not only can you get a line of credit to meet your business expenses, you can also earn cash back or rewards points on your spending. This season, we've noticed quite a few cards offering 0% introductory APR on purchases, which lets you make purchases with your card without having to pay any interest during the first few months, plus many come with no annual fee, including employee cards. Below is GET.com's list of the best business credit cards in the US.

Best Credit Cards for Small Businesses - GET.com's Picks

Best ForCredit Card
Cash BackAmerican Express® Blue Business Cash Card
Travel RewardsCapital One® Spark® Miles for Business
Hilton RewardsThe Hilton Honors American Express Business Card
Airline RewardsPlatinum Delta SkyMiles® Business Credit Card from American Express
TravelGold Delta SkyMiles® Business Credit Card from American Express
RewardsThe Blue Business® Plus Credit Card from American Express

Here are the best small business credit cards for established and new small businesses based on GET.com's research:

Our Best Cash Back Cards For Small Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
American Express<sup>®</sup> Blue Business Cash Card

American Express® Blue Business Cash Card

APPLY NOWAt American Express' secure website
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.74% - 20.74% Variable

$0

Excellent/Good

American Express® Blue Business Cash Card, a GET.com advertiser, lets you earn 2% cash back on (capped at $50,000 spent per calendar year on eligible purchases), after reaching the cap you'll earn 1% cash back on all eligible purchases. The cash back you earn is automatically credited to your statement. Benefit from 0% intro APR on purchases and balance transfers for 12 months ( See Rates & Fees), after that there is a 14.74% - 20.74% variable APR ( See Rates & Fees) based on your creditworthiness. This card has no annual fee ( See Rates & Fees). Terms & limitations apply.

For rates and fees of the American Express® Blue Business Cash Card, please click here.
Read our review of American Express® Blue Business Cash Card here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Capital One® Spark® Cash for Business is a business credit card that rewards you with a limited time offer of up to $2,000: $500 cash bonus when you spend $5,000 in the first 3 months of opening your account and earn $1,500 when you spend $50,000 in the first 6 months of your account opening. For every purchase you make, you'll receive 2% cash back. The cash back you earn doesn't expire, and you can earn unlimited cash back. $0 intro annual fee for the first year, $95 after that. Read our review of Capital One® Spark® Cash for Business here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Business Advantage Cash Rewards Mastercard<sup>®</sup> credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

APPLY NOWAt Bank of America's secure website
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get a 75% rewards bonus on every purchase when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
APPLY NOWAt Bank of America's secure website

0% Introductory APR on purchases for the first 9 billing cycles

13.74% - 23.74% Variable APR

No annual fee

Excellent

Bank of America® Business Advantage Cash Rewards Mastercard® credit card gives you 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% on your other purchases. You can get a $300 statement credit, after making $3,000 in purchases using your new card within 90 days of account opening. You can redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account. This business cash back card has no annual fee.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 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
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees

0% on purchases for 9 months

14.74% - 22.74% (Variable)

$0

Why we like it
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Excellent, Good

Capital One® Spark® Cash Select for Business is a business cash back credit card that offers a one-time $200 bonus if you spend $3,000 on purchases within 3 months from account opening. This card also lets you earn 1.5% cash back on all your purchases! Your cash back doesn't expire and there is no limit on the cash rewards you can earn. Redeem your cash back anytime. There is a 0% intro APR on purchases for 9 months (14.74% - 22.74% variable APR thereafter). All additional employee credit cards have no annual fee. $0 annual fee. Read our review of Capital One® Spark® Cash Select for Business here.

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Our Best Travel Cards For Small Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Platinum Delta SkyMiles<sup>®</sup> Business Credit Card from American Express

Platinum Delta SkyMiles® Business Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

17.24% - 26.24% Variable

$195 ($250 if application is received on or after 1/30/2020)

Excellent Credit

Platinum Delta SkyMiles® Business Credit Card from American Express lets you earn a welcome offer of 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months and a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months of cardmembership. Keep earning miles: Earn 2 Miles per $1 spent on purchases made directly with Delta and earn 1 mile on every eligible $1 spent on the rest of your purchases. These miles don't expire. This card also offers great perks such as free first checked bag, Priority Boarding, 20% savings on eligible in-flight purchases (in the form of a statement credit), no foreign transaction fees (See Rates & Fees) and more. There is a $195 annual fee ($250 if application is received on or after 1/30/2020) (See Rates & Fees). Terms and limitations apply.

For rates and fees of the Platinum Delta SkyMiles® Business Credit Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.
  • See Rates & Fees
Terms Apply

N/A

17.24% - 26.24% Variable

$95

Excellent, Good

The Hilton Honors American Express Business Card has a bonus offer that lets you earn 125,000 Hilton Honors Bonus Points! Earn 125,000 Bonus Points after you spend $3,000 in eligible purchases made on your Card in the first 3 months of Card Membership. Earn 12 points on purchases made at hotels & resorts in the Hilton portfolio, 6 points on select business and travel Purchases and 3 points everywhere else. Terms & Limitations Apply. Besides earning points on all your eligible purchases this card has some great travel perks such as complimentary Gold status with your The Hilton Honors American Express Business Card, Weekend Night Reward from Hilton Honors after you spend $15,000 (in purchases) on your card in a calendar year and another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year. You get 10 free airport lounge visits each year which offers access to over 1,000 lounges in over 120 countries. This card has no foreign transaction fees (See Rates & Fees) and a $95 annual fee (See Rates & Fees).

For rates and fees of the The Hilton Honors American Express Business Card, please click here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

APPLY NOWAt American Express' secure website
  • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • With Miles Boost®, you can earn 15,000 bonus miles and 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 or more in eligible purchases on your Card in a calendar year.
  • Earn an additional 15,000 bonus miles and 15,000 MQMs after you spend $60,000 in eligible purchases on your Card in a calendar year for a total of 30,000 bonus miles and 30,000 MQMs. Starting January 30, 2020, you will no longer earn bonus miles with this benefit.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

17.24% - 26.24% Variable

$450 ($550 if application is received on or after 1/30/2020)

Excellent/Good

Delta Reserve for Business Credit Card gives you the chance to earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases in the first 3 months of account opening. Miles Boost® lets you earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year. Earn an additional 15,000 bonus miles and 15,000 MQMs after you spend $60,000 in eligible purchases on your Card in a calendar year (starting January 30, 2020, you will no longer earn bonus miles with this benefit). Delta Reserve for Business Credit Card lets you earn 2 Miles per $1 spent on purchases made directly with Delta and earn 1 mile on every eligible $1 spent on the rest of your purchases, so if you fly delta or are just using this card for everyday purchases you're earning miles. These miles don't expire. This card also has a lot of great features such as Priority Boarding, 20% savings on eligible in-flight purchases in the form of a statement credit and Complimentary Delta Sky Club® Access. This card has no foreign transaction fees (See Rates & Fees), but there is a $450 annual fee ($550 if application is received on or after 1/30/2020) (See Rates & Fees). Terms and limitations apply.

For rates and fees of the Delta Reserve for Business Credit Card, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

Capital One® Spark® Miles for Business rewards you with a limited time bonus of 50,000 miles after you spend $5,000 on purchases within 3 months from account opening and earn another 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening. With this card, you will also earn unlimited 2 miles for every dollar you spend on all your purchases. Earn unlimited miles that don't expire. Miles can be redeemed for travel purchases as well as cash back, gift cards, and more. Cardholders will also have the option to transfer their miles to participating airlines. Miles can be redeemed for flights on any airline, with no blackout dates. No foreign transaction fee. This card has a standard 18.74% variable APR for purchases and balance transfers. It has a $0 intro annual fee for the first year, $95 after that. Read our review of Capital One® Spark® Miles for Business here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

17.24% - 26.24% Variable

$0 introductory annual fee for the first year, then $95

Excellent Credit

Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, lets you earn 30,000 bonus miles after spending $1,000 in purchases with your new Card within the first 3 months of Card Membership, as well as earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. Benefit from other travel perks including complimentary first checked bag on flights, priority boarding and 20% in-flight savings (in the form of statement credit) on your eligible purchases. This card has no foreign transaction fees (See Rates & Fees) which can help you save when traveling abroad. The annual fee will be $0 introductory annual fee for the first year, then $95 (See Rates & Fees). Terms and limitations apply.

For rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please click here.
Read our Gold Delta SkyMiles® Business Credit Card from American Express review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Free employee cards which also earn unlimited 1.5X miles from their purchases

0% intro on purchases for 9 months

14.74% - 22.74% (Variable)

$0

Why we like it
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

Capital One® Spark® Miles Select for Business rewards you with 1.5 miles for every dollar you spend on purchases with your card, as well as a one-time bonus of 20,000 miles when you spend $3,000 on purchases within 3 months from account opening. With this card, you will also enjoy a 0% intro APR on purchases for 9 months, after that there is a standard 14.74% - 22.74% variable APR. The miles you earn can be redeemed for air travel, cash, gift cards, merchandise, and more. Every year you'll receive an itemized report on your spending at no additional cost. No annual fee. Read our review of Capital One® Spark® Miles Select for Business here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Business Advantage Travel Rewards World Mastercard<sup>®</sup> credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

APPLY NOWAt Bank of America's secure website
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you’re a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
APPLY NOWAt Bank of America's secure website

0% introductory APR on purchases for the first 9 billing cycles

12.74% - 22.74% Variable APR

No annual fee

Why we like it
  • No annual fee and no international transaction fees.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Excellent

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card lets you earn 1.5 points for each $1 you spend on all purchases. You earn 3 points for every $1 that you spend on travel booked through Bank of America's Travel Center®. Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases. This card has no annual fee. Travel benefits include travel accident insurance, lost luggage reimbursement and auto rental collision coverage. Here is our review of Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Business Platinum<sup>®</sup> Card from American Express

The Business Platinum® Card from American Express

APPLY NOWAt American Express' secure website
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases made on your Business Platinum Card® within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when flight is booked on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

$595

Excellent Credit

The Business Platinum® Card from American Express, a GET.com advertiser, is a charge card that has an offer that lets users earn up to 75,000 Membership Rewards® points. Here's how: you'll earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on qualifying purchases within your first 3 months of Card Membership. This premium card offers complimentary access to more than 1,200 airport lounges all around the world and gives users access to over 40 benefits. If you use Membership Rewards Pay with Points for all or part of an eligible fare you can get 35% of those points back (valid for up to 500,000 bonus points per calendar year when flight is booked on amextravel.com). Earn 50% more Membership Rewards® points on each qualifying purchase of $5,000 or more - that's 1.5 points per $1. You can earn up to 1 million additional points. Eligible purchases under $5,000 will let you earn 1 point per dollar spent and points do not expire. Plus get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Another interesting perk is complimentary, unlimited Boingo Wi-Fi at over 1,000,000 Boingo hotspots around the globe, plus 10 Gogo inflight internet passes annually when you enroll your card with Gogo. $595 annual fee (See Rates & Fees). Terms Apply. Here is our detailed review of The Business Platinum® Card from American Express.

For rates and fees of the The Business Platinum® Card from American Express, please click here.

Our Best Rewards Cards For Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Blue Business<sup>®</sup> Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

0% on Purchases and Balance Transfers for 12 months

14.74% - 20.74% Variable

No annual fee

Excellent, Good

The Blue Business® Plus Credit Card from American Express, a GET.com advertiser, is a rewards credit card that lets you earn 2X points on everyday business purchases (such as office supplies or dinners with clients), 2X points apply to the first $50,000 in purchases per year, earn 1 point per dollar after that. This card has a 0% intro APR on purchases and balance transfers for 12 months (See Rates & Fees), 14.74% - 20.74% variable APR (See Rates & Fees) on purchases thereafter. $0 annual fee (See Rates & Fees) and no annual fee for each additional Employee card. Terms Apply. Here is our review of The Blue Business® Plus Credit Card from American Express.

For rates and fees of the The Blue Business® Plus Credit Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

N/A

$0 introductory annual fee for the first year, then $95

Excellent Credit

Business Green Rewards Card from American Express, a GET.com advertiser, is a business charge card that lets you earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first 3 months of Card Membership. When you book on the American Express Travel website you can earn double Membership Rewards® points for each dollar of eligible purchases. You will earn 1 Membership Rewards® point for every dollar you spend on other eligible purchases. You can redeem your points toward merchandise, gift cards, entertainment, and more. There is a $0 intro annual fee for the first year, then $95 (See Rates & Fees). Terms and limitations apply. Read our review of Business Green Rewards Card from American Express.

For rates and fees of the Business Green Rewards Card from American Express, please click here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
The Plum Card<sup>®</sup> from American Express

The Plum Card® from American Express

APPLY NOWAt American Express' secure website
  • No Foreign Transaction Fees.
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

Introductory annual fee of $0 for the first year, then $250

Why we like it
  • No Foreign Transaction Fees.
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
We least like
  • Annual fee after the first year.
Excellent Credit

The Plum Card® from American Express, a GET.com advertiser, is a charge card that gives you flexibility when making your monthly payments. With this card you can enjoy up to 60 days to make your payments without interest, or you can get a 1.5% discount for paying early - or both each month. No foreign transaction fees (See Rates & Fees). Introductory annual fee of $0 for the first year, then $250 (See Rates & Fees). No annual fee for employee cards. Terms and restrictions apply.

For rates and fees of the The Plum Card® from American Express, please click here.

Read our review of The Plum Card® from American Express.

Business Credit Card Tips

If you own a small business, we recommend that you carry more than one business credit card so as to maximize the potential of each one for the overall benefit of the business. For example, you can consider having one card with 0% APR offer or a low interest rate for carrying balances, and a second card for expenditures that you will repay fully at the end of each month.

This strategy allows you to make full use of the cash back or rewards features of your small business credit card, and you can earn up to 5% cash rebates on business-related spending, such as office supplies or gas.

Over the long-term, business credit cards can help your small business build a credit history with business credit bureaus so that your business will have a credit history of its own, instead of being linked to your personal credit history.

Business Credit Card Benefits

A business credit card is a card that you use for your business rather than your personal finances. If you use a business credit card for all your business spending, you will benefit from accurate accounts of business spending in the form of card statements. That makes it much easier to keep your accounts.

Today business credit cards and charge cards offer most of the same benefits that you get with your personal credit cards. Plus, many business cards also offer special tools and services that can save your business time and money.

For example, some business cards provide employee cards at no additional cost. Some also provide custom, itemized reports of your spending (a big plus at tax time), and let you securely download your purchase records into multiple formats (like Quicken, QuickBooks and Excel), which makes accounting a whole lot easier.

Types of Business Credit Cards

Business Cash Back Credit Cards

Using a business credit card that lets you earn cash back on purchases is a fuss-free way to save on business expenses. When you make a purchase using a card like this, you earn cash back (normally a certain percentage of each purchase).

Depending on which card you use, you can redeem your cash back as cash checks, statement credits, deposits into a bank account, or even for gift cards, merchandise or travel.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
American Express<sup>®</sup> Blue Business Cash Card

American Express® Blue Business Cash Card

APPLY NOWAt American Express' secure website
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases and balance transfers for 12 months

14.74% - 20.74% Variable

$0

Excellent/Good

Business Rewards Credit Cards

Earning points that you can redeem through a rewards program could be a good fit for your business, if a particular rewards program includes offers that can help you save on business expenses.

Most good rewards programs offer a lot of flexibility in the way you can earn and redeem points. In some cases the merchandise or services that you can redeem points for may offer better value than what you would get if you paid for those things in cash.

Business Airline Miles Credit Cards

If you or your employees travel a lot on business, then a miles credit card could save you money. You earn miles or similar travel rewards when you make purchases, and you can then redeem these miles towards travel.

Some miles cards like Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, lets you earn actual frequent flyer miles that you can redeem directly through your frequent flyer program.

Other miles cards like Capital One® Spark® Miles Select for Business give you miles that translate into a certain amount of cash value that can be redeemed towards travel purchases.

Hotel Credit Cards For Businesses

These cards can be a real saver if you take a lot of business trips and stay at hotels. Many large hotel groups have their own hotel credit cards for businesses. These let you earn rewards on purchases which you can then redeem for hotel accommodation.

How we rate business credit cards and charge cards

At GET.com, we conduct rigorous research into the terms and conditions behind each card benefit. With our business credit card/charge card ratings, we strive to present an accurate gauge of a card's benefits in relation to its fees. We also take into account the overall flexibility of card benefits and their appeal to a broad range of card users. For example, a hotel or airline card may provide excellent benefits for customers of a certain hotel group or airline, but may not have many benefits for non-customers.

Charges that we take into account are the annual fee, foreign transaction fees, cash advance fees, late payment fees and over-limit fees, purchase and balance transfer APR, penalty APR and ATM charges. The scope of the payments network and the issuer's ATM network is also taken into account. Benefits we look for include bonus offers, how rewards are earned and redeemed, introductory APR periods, travel privileges, accounting tools, mobile business apps, employee cards, insurance coverage and unique benefits.