If you own a business then a business credit card has a lot of advantages. Business spending will play a big role in how much tax you pay. Many business credit cards will also have a larger credit line. Being able to get employee cards are another benefit that most of these cards offer. Additionally, a good business credit card will come with tools that let you monitor your account and limit employee spending. Year end statements, which can even integrate directly into popular tax software with some cards, make the complicated accounting task a lot easier. If you get a business rewards card you can even earn cash back, airline miles or rewards points on your business spending.

Here is a selection of Business Credit Cards shown in order of our highest rated cards.

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

  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • 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

N/A

19.24% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

APPLY NOWAt American Express' secure website
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

0% intro APR on purchases for 15 months

14.49% - 21.49% (Variable)

$0

Excellent Credit
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 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

17.99% - 26.99% Variable

$95

Excellent, Good
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 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 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.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.
APPLY NOWAt Bank of America's secure website

0% Introductory APR on purchases for your first 9 billing cycles.

13.49% - 23.49% 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<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 $200 statement credit when you make at least $500 in net purchases within 60 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.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 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.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.
APPLY NOWAt Bank of America's secure website

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

13.49% - 23.49% Variable APR

No annual fee

Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • 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
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

N/A

19.24% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2 miles per $1 on every purchase, every day.
Excellent, Good
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 within 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

17.99% - 26.99% Variable

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

Excellent Credit
Offer ends 04/24/201
Marriott Bonvoy Business™ American Express<sup>®</sup> Card

Marriott Bonvoy Business™ American Express® Card

Offer ends 04/24/201
APPLY NOWAt American Express' secure website
  • Limited Time Offer: Earn 100,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Offer ends 04/24/2019.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

17.99% - 26.99% Variable

$125 (If application received before 03/28/19, $0 intro annual fee for the first year, then $95)

Excellent/Good
American Express<sup>®</sup> Business Gold Card

American Express® Business Gold Card

APPLY NOWAt American Express' secure website
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*.
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month †
  • †4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Exclusive Offers: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,188.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Expense Management Tools: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
  • Add Employee Cards with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.*
  • *Terms Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

16.49% - 24.49% Variable

$295

Excellent/Good
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

APPLY NOWAt Citi's secure website
  • Earn up to 60,000 American Airlines AAdvantage® bonus miles: 50,000 AAdvantage® miles after making $3,000 in purchases in first 3 months and 10,000 after making a total of $10,000 in purchases in first 12 months of account opening*
  • Designed for businesses
  • Earn up to 60,000 American Airlines AAdvantage® bonus miles: 50,000 AAdvantage® miles after making $3,000 in purchases in first 3 months and 10,000 after making a total of $10,000 in purchases in first 12 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
APPLY NOWAt Citi's secure website

N/A

17.99% - 25.99%* (Variable)

$99, waived for first 12 months*

Why we like it
  • Earn up to 60,000 American Airlines AAdvantage® bonus miles: 50,000 AAdvantage® miles after making $3,000 in purchases in first 3 months and 10,000 after making a total of $10,000 in purchases in first 12 months of account opening*.
Excellent, Good
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 with your new Card in your first 3 months.
  • 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 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

17.99% - 26.99% Variable

$450

Excellent/Good
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 $50 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

17.99% - 26.99% Variable

$195

Excellent Credit
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 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 1.5 points 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.
  • 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.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

$595

Excellent Credit
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • 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; 15.24% - 23.24% 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
  • Get employee cards at no additional cost, and earn rewards from their business spend

0% on purchases for 9 months

15.24% - 23.24% (Variable)

$0

Why we like it
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good
Costco Anywhere Visa<sup>®</sup> Business Card by Citi

Costco Anywhere Visa® Business Card by Citi

APPLY NOWAt Citi's secure website
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*
APPLY NOWAt Citi's secure website

N/A

17.49%* (Variable)

$0*

Why we like it
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter.
  • 2% cash back on all other purchases from Costco and Costco.com.
We least like
  • Costco Cash Rewards not redeemed by December 31 of the year issued will also be forfeited.
Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • 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; 15.24% - 23.24% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% intro on purchases for 9 months

15.24% - 23.24% (Variable)

$0

Why we like it
  • Earn 1.5 miles per $1 on every purchase, every day.
Excellent, Good
Alaska Airlines Visa<sup>®</sup> Business credit card

Alaska Airlines Visa® Business credit card

APPLY NOWAt Bank of America's secure website
  • Limited Time Promotion: Alaska's Famous Companion Fare™ + 30,000 Bonus Miles. Buy one ticket, get one for just taxes and fees ($0 fare plus taxes and fees from just $22) plus receive 30,000 bonus miles with this offer. To qualify, make purchases of $1,000 or more within the first 90 days of opening your account.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every dollar spent on all other purchases
  • Get Alaska's Famous Companion Fare™ every year! That’s right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates
  • Earn unlimited miles and travel with no blackout dates
  • Save with a free checked bag on Alaska flights for you and up to six other passengers on the same reservation
  • No international transaction fees
  • Low annual fee of $50 for the company and $25 per card
APPLY NOWAt Bank of America's secure website

N/A

17.24% - 25.24% Variable APR

$50 annual fee for the company and $25 per card

Excellent
The Blue Business℠ 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 15 months, then a variable rate, 13.49%, 17.49% or 21.49%, 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 15 months

13.49% - 21.49% Variable

No annual fee

Excellent, Good
Bank of America<sup>®</sup> Platinum Visa<sup>®</sup> Business credit card

Bank of America® Platinum Visa® Business credit card

APPLY NOWAt Bank of America's secure website
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
APPLY NOWAt Bank of America's secure website

0% Introductory APR on purchases for your first 7 billing cycles

11.49% - 22.49% Variable APR

No annual fee

Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business

Capital One® Spark® Classic for Business

  • 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

25.24% (Variable)

$0

Why we like it
  • Earn 1% cash back on every purchase, every day.
Average, Fair, Limited
Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

APPLY NOWAt American Express' secure website
  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • 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
The Plum Card<sup>®</sup> from American Express

The Plum Card® from American Express

APPLY NOWAt American Express' secure website
  • 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.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • 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.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
We least like
  • Annual fee after the first year.
Excellent Credit