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21 Best Small Business Credit Cards – Reviews & Comparison

Advertiser Disclosure: This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Small business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans and don’t have access to networks filled with deep-pocketed family members, friends, and colleagues. No matter what your business does, a credit card can probably help – as long as you use credit wisely and avoid making purchases your company can’t afford.

Small business credit cards typically have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. However, many also come with annual fees and require good or excellent credit to qualify.

The Basics of Small Business Credit Cards: What to Know

Keep in mind that qualifying for business credit cards is a bit different from qualifying for consumer credit cards. Some issuers simply require you to submit a valid Social Security number and affirm in writing that you’ll use the card exclusively for business purposes.

Such laid-back issuers welcome freelancers and solopreneurs – basically, anyone who files a Schedule C at tax time, including people who don’t really think of themselves as business owners.

Some issuers are more strict. They request a federal employer identification number (EIN), seek evidence of incorporation, or ask for financial statements. If you can’t prove that you actually own an incorporated business with legitimate cash flow, you won’t qualify.

Also, remember that business credit cards are exempt from some of the protections of the CARD Act, including the requirement that card issuers regularly notify cardholders of changes in terms and conditions. The following small business credit cards offer a favorable mix of advantages and drawbacks for business owners with strong credit.

The Best Small Business Credit Cards Right Now

Without further ado, these are the best small business credit cards on the market right now. They include a mix of low-interest credit cards, travel rewards credit cards, cash back credit cards, and general-purpose rewards cards.

1. Chase Ink Business Unlimited® Credit Card

$750 Sign-up Bonus; Unlimited 1.5% Cash Back on All Eligible Purchases

Chase Ink Business Unlimited Card

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Chase Ink Business Unlimited® is an annual-fee-free business credit card that echoes the Chase Freedom Unlimited® Credit Card, a consumer credit card that also earns unlimited 1.5% cash back.

Ink Business Unlimited accrues cash back via Ultimate Rewards points, which can be redeemed for cash, gift cards, travel purchase, and general merchandise.

Additional perks include a generous sign-up bonus – worth $750 after you spend $7,500 in purchases within 3 months – and a 12-month, 0% APR promotion on purchases. The latter is a rarity among small business credit cards.

  • Sign-up Bonus: Earn $750 bonus cash after you spend $7,500 in purchases within 3 months after account opening.
  • Key Fees: This card has no annual fee and no employee card fees. The foreign transaction fee is 3%.
  • Introductory APR: 0% APR on purchases for 12 months from account opening.
  • Regular APR: Once the promotional period ends, the regular APR ranges between 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates.
  • Other Perks: Value-added benefits include complimentary auto rental insurance when you pay for your rental in full with your card, purchase protection on covered items for 120 days up to $10,000 per claim, and a 1-year extended warranty on items with existing eligible warranties of 3 years or less.

See our Chase Ink Business Unlimited Card Review for more information. Learn more about this card and find out how to apply here.

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2. Chase Ink Business Cash® Credit Card

$750 Sign-up Bonus; 5% Cash Back on Communications & at Office Supply Stores; 2% Cash Back at Gas Stations & Restaurants

chase ink business cash credit card

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Chase Ink Business Cash is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR. It holds down the Ink stable with the Chase Ink Business Preferred and Unlimited Cards (see below and above), both of which offer different (but no less rewarding) opportunities for frequent spenders.

This card has a nice sign-up bonus. After you spend at least $7,500 within 3 months of opening your account, you get $750 bonus cash back.

The ongoing rewards program is great too:

  • From day one, you earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services), up to $25,000 per year.
  • You earn 2% cash back on gas station and restaurant purchases, up to $25,000 per year. After reaching the $25,000 cap, you earn unlimited 1% cash back on these spending categories.
  • All other purchases earn 1% unlimited cash back as well.

Redeem accumulated cash back for statement credits or direct deposits starting at $20, airfare booked through Chase’s Ultimate Rewards portal (which offers the opportunity to boost your cash back by 20%, turning $500 in cash back into $625 in travel purchases), gift cards, and Amazon purchases. Redemptions start at $20.

  • Sign-up Bonus: Earn $750 bonus cash back when you spend at least $7,500 within 3 months of signing up.
  • Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount.
  • Introductory APR: 0% on purchases for 12 months.
  • Regular APR: Following the conclusion of the introductory period, the regular purchase APR is 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 24.99% variable.
  • Other Perks: Chase’s Purchase Protection plan covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 total per account. The Extended Warranty plan offers complimentary extended warranty protection for an additional 12 months on warranties originally set to expire after three years or less.

See our Chase Ink Business Cash Card Review for more information. Find out how to apply for this card here.

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3. Chase Ink Business Preferred® Credit Card

100,000-Point Sign-up Bonus; 3x Points on Travel, Shipping, Telecommunications & Advertising

chase ink business preferred credit card

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Chase Ink Business Preferred is Chase’s flagship business card. Though it has a $95 annual fee that’s not waived in the first year, you get what you pay for with:

  • A generous rewards program that favors travel and everyday business purchases.
  • An attractive points transfer feature that lets you swap your Chase Ultimate Rewards points for other companies’ loyalty currency at a 1-to-1 ratio.
  • Perhaps best of all, a massive sign-up bonus worth up to $1,250 in free travel.

When you spend at least $15,000 within 3 months of opening your account, you get 100,000 bonus Ultimate Rewards points. That’s worth $1,000 when redeemed for cash, and $1,250 when redeemed for travel (thanks to Chase’s 25% bonus on all travel redemptions). If you travel a lot for business, that’s hard to resist.

This card’s regular rewards program is equally impressive. The 3x tier is unusually generous: cardholders get 3 points per $1 spent on travel, shipping purchases, telecommunications purchases (such as Internet, cable, mobile phone bills), and advertising, up to $150,000 in combined spending across those categories in each account anniversary year. All other purchases earn unlimited 1 point per $1 spent.

Redemption options include cash, travel, gift cards, Amazon.com purchases, general merchandise, and much more. And cardholders can increase the value and flexibility of their earned points by transferring them at a 1-to-1 ratio to popular travel loyalty programs such as British Airways Executive Club, Southwest Airlines Rapid Rewards, United MileagePlus, Marriott Rewards, and IHG Rewards Club.

  • Sign-up Bonus: Earn 100,000 Ultimate Rewards points, worth up to $1,250 on travel and $1,000 in cash, when you spend at least $15,000 within three months of account opening.
  • Key Fees: There’s a $95 annual fee, but no foreign transaction fee.
  • Introductory APR: There’s no introductory APR promotion.
  • Regular APR: From the day you open your account, the regular APR is 15.99% to 20.99% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 24.99% variable.
  • Other Perks: This card comes with a slew of value-added benefits, including a cell phone protection plan (up to $600) when you pay your cell phone bill in full with your card; complimentary loss and damage coverage on rental cars paid in full with this card; purchase protection for up to 120 days; extended warranties on purchased items with existing manufacturers’ warranties; and trip cancellation and interruption insurance worth up to $5,000 per incident.

See our Chase Ink Business Preferred Card Review for more information. Learn more about this card and find out how to apply here.

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4. American Express Blue Business Cash™ Card

2% Cash Back on the First $50,000 in Eligible PurchasesAmex Bbc Card Art

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American Express Blue Business Cash is a popular American Express credit card with a generous 0% APR introductory promotion (12 months), solid cash rewards program, and relatively low fees.

All eligible purchases made with this card earn 2% cash back, up to $50,000 per year. Purchases over the $50,000 annual spending cap earn 1% cash back. Cash back automatically comes as a statement credit on the second statement after it’s earned. Terms and conditions apply – see rates and fees.

  • Key Fees: There’s no annual fee, but foreign transactions cost 2.7%, and late and returned payments cost up to $39.
  • Introductory APR: 0% APR for 12 months from account opening on purchases. For rates and fees of the American Express Blue Business Cash™ Card, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, variable regular APR applies: 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. See rates and fees for more details.
  • Terms and Conditions Apply: See rates and fees

See our American Express Blue Business Cash Card Review for more information. Find out how to apply for this card here.

For rates and fees of the American Express Blue Business Cash™ Card, please visit this rates and fees page.

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5. The Business Platinum Card® from American Express

Enjoy a Fantastic Welcome Offer and 5x Points on Airfare & Hotels Booked Through Amex Travel

Amex Business Platinum Card Art 7 1 21

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American Express Business Platinum is a popular business card that comes with a generous welcome offer and lavish perks that compensate for a hefty annual fee of $595. (For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.)

This card’s top perks include:

  • A $200 statement credit for purchases made with an airline of your choice (enrollment required)
  • Complimentary access to more than 1,100 airport lounges worldwide through the American Express Global Lounge Collection (enrollment required)
  • Free WiFi at more than 1 million Boingo hotspots worldwide
  • Reimbursement for TSA Precheck application fees (up to $100)
  • A 35% bonus when using Membership Rewards® points to book travel with your selected qualifying airline, up to 500,000 bonus Membership Rewards® points each calendar year

The Business Platinum Card from American Express has a points-based rewards system and a fantastic welcome offer: 100,000 Membership Rewards points after you spend at least $15,000 on qualifying purchases in the first 3 months.

Moving forward, airfare and prepaid hotel purchases booked through American Express Travel earn 5 points per $1 spent. Purchases greater than $5,000 earn 1.5 points per $1 spent, up to a total of 1 million bonus Membership Rewards® each year. All other purchases earn an 1 point per $1.

Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more. Redemption minimums start at 1,000 points. Point values vary by redemption method, but rarely exceed $0.01 – for instance, statement credits value points at $0.006 apiece, while gift cards value points at $0.01 apiece. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: Earn 100,000 Membership Rewards® points after you spend at least $15,000 in qualifying purchases within 3 months of opening your account.
  • Key Fees: There’s a $595 annual fee, but no foreign transaction fee. Late payments cost up to $39 or 2.99% of the outstanding balance, and returned payments cost up to $39. For rates and fees of the the Business Platinum Card® from American Express, please visit this rates and fees page.
  • Introductory APR: None.
  • Other Perks: Notable benefits for small business owners include up to $100 in annual purchase credits (statement credits) for U.S. purchases with Dell (terms apply and enrollment is required).

See our American Express Business Platinum Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.

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6. American Express® Business Gold Card

4x Points in Your 2 Top-Spending Categories Each Year; 25% Point Bonus on Airline Purchases Paid With Redeemed Points

American Express Business Gold Card

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American Express Business Gold is another American Express card with a rather high annual fee, a solid rewards program, a nice welcome offer, and attractive membership perks.

For starters, you’ll earn 4 points per $1 on the first $150,000 in annual purchases in the 2 categories where your business spent the most that year. Categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. shipping purchases

All other purchases, including purchases made in your 2 favored categories above the $150,000 annual spending cap, earn 1 point per $1 spent. Keep in mind that the categories account for U.S. purchases only, with the exception of airlines.

You can redeem your points for gift cards, travel purchases, online merchandise, and more through American Express’s Membership Rewards portal. Redemptions start at 1,000 points, and points are worth between $0.005 and $0.01 when redeemed.

There’s no preset spending limit on this card, though failure to pay your balance can lead to restrictions. No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Terms and conditions apply – rates and fees.

  • Welcome Offer: Earn 70,000 bonus Membership Rewards points when you spend at least $10,000 in eligible purchases with your American Express Business Gold Card within the first 3 months of membership.
  • Key Fees: There’s a $295 annual fee and no foreign transaction fees. Late payments cost $39 or 2.99% of the late balance, and returned payments cost up to $39.
  • Introductory APR: There is no introductory APR. For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.
  • APR: The regular variable APR ranges from 14.24% to 22.24%, depending on your creditworthiness and other factors. See this rates and fees page for more.
  • Other Perks:  When you use points to book certain airline travel through Amex Travel, you’ll get 25% points back as a bonus.

See our American Express® Business Gold Card Review for more information. Find out how to apply for this card here.

For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.

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7. The Blue Business® Plus Credit Card from American Express

2X Points on up to $50,000 in Purchases per Year

Amex Blue Business Plus Card Art 6 3 21

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Blue Business Plus is a popular American Express business card with a nice rewards program and a long 0% APR introductory promotion.

This card rewards you for conducting business as usual. You earn 2X points on everyday business purchases such as office supplies or client dinners. The 2X rate applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Redeem accumulated points for gift cards, online merchandise purchases, travel purchases, and more through American Express’s Membership Rewards® portal. Points are typically worth $0.005 to $0.01 when redeemed, and redemption minimums start at 5,000 points. Terms and conditions apply – see the full list of rates and fees.

  • Key Fees: There’s no annual fee. Foreign transactions cost 2.7% and balance transfers cost $5 or 3%. Late and returned payments cost up to $39.
  • Introductory APR: 0% APR on purchases for 12 months from account opening date. Then variable regular APR applies, based on your creditworthiness and other factors. For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: Following the end of the introductory period, the variable regular APR for purchases currently rises to 13.24% to 19.24% variable, depending on prevailing interest rates and your personal creditworthiness. Please visit this rates and fees page for more detail.
  • Terms and Conditions Apply: See rates and fees

See our American Express Blue Business® Plus Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.

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8. U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Up to 3% Cash Back on Eligible Purchases & 25% Annual Bonus on Cash Back Earnings (Up to $250 Bonus Cash)

U.s. Bank Business Cash Card Art 6 8 21

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The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent business cash back credit card that earns up to 3% cash back on eligible net gas station, office supply store and cell phone or service provider purchases and 1% cash back on all other eligible purchases. Plus, you’ll get a 25% annual cash back bonus, up to $250. And there’s no limit to how much you can earn or redeem.

  • Sign-up Bonus: For a limited time, earn $500 bonus cash back after spending $3,000 in eligible purchases during the first 90 days your account is open.
  • Key Fees: There is no annual fee or fee for additional employee cards. The foreign transaction fee is 2% to 3% of the transaction amount, depending on denomination.
  • Introductory APR: 0% APR on balance transfers for the first 12 billing cycles your account is open, then variable regular APR applies, currently 13.99% to 22.99%.
  • Other Perks: This card comes with a standard lineup of World Elite Mastercard protections and benefits.
  • Terms and Conditions Apply: see rates & fees

Learn more about this card and find out how to apply here.

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9. Ramp

Physical Flat Tight (1)

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Ramp is a totally free corporate card built to simplify and strengthen your company’s finances. With a novel underwriting process that can produce limits 10 to 20 times higher than traditional business credit cards’ and no founder guarantee required, it’s a fantastic choice for organizations poised for growth.

Unlimited virtual and physical cards for employees and 1.5% cash back on every purchase (no exceptions) can’t hurt either.

  • Sign-up Bonus: $250 Amazon gift card to businesses that are approved and pay their first statement of $1,000 or more.
  • Key Fees: There’s no annual fee.
  • Introductory APR: None.
  • Other Perks: Enjoy a slew of business-friendly perks and capabilities: unlimited virtual and physical cards to help you keep track of spending across your organization, automated receipt collection and matching, integrations with top third-party accounting providers like QuickBooks and Xero, more than $175,000 in partner benefits, and much more.

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10. The Brex Mastercard Corporate Credit Card for Startups

Brex Card Image

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The Brex Mastercard Corporate Credit Card for Startups is a super-generous corporate rewards credit card with virtually no fees. Unlike most other business credit cards, it requires no personal guarantee (even for small business users) and promises a credit limit 10 times your current corporate card’s.

The catch: Your statement balance is automatically paid in full on a net 30 basis, so you can’t carry balances from month to month.

There’s more. When you agree to make Brex for Startups your primary credit card, you gain access to a fantastic rewards program that offers:

  • 7 points per $1 spent on rideshare purchases, including Uber, Lyft, taxi, and scooter rides
  • 4 points per $1 spent on flights, hotels, and Airbnb stays booked with Brex Travel
  • 3 points per $1 spent on all eligible restaurant purchases
  • 2 points per $1 spent on recurring software purchases
  • 1 point per $1 spent on all other eligible purchases

Beyond its rewards program, this card’s benefits include a virtual card (ideal for online transactions) and partner offers cumulatively worth thousands. Partner vendors include Google Ads, Zendesk, and AWS.

  • Sign-up Bonus: Brex offers a slew of partner offers for new cardholders, including up to $100,000 in Amazon Web Services credits (depending on company funding), 50% off on all annual Dropbox Business Standard subscriptions, and a three-month discounted starter package (including one month free) for DoorDash’s DashPass food delivery subscription service. See terms for details.
  • Key Fees: The only regular fee is a $5-per-month charge per card for extra employee cards after the first 5 cards.
  • Introductory APR: N/A
  • Regular APR: N/A
  • Other Perks: Value-added benefits include a receipt capture feature that integrates directly with your statement, employee management tools, and an expense management platform that provides greater visibility into spending by employees and the primary cardholder.

Learn more about this card and find out how to apply here.

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11. Capital One® Spark® Cash for Business

Big Early Spend Bonus; Unlimited 2% Cash Back on All Purchases

Spark Cash Card Art 2 25 20

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Capital One Spark Cash for Business is very similar to Spark Miles for Business, Capital One’s premium business travel card. The rates, fees, and early spend bonus value are identical. The primary difference is a cash-based, not miles-based, rewards system.

This card has a solid early spend bonus worth $500 – more on that below. From the outset, all purchases earn unlimited 2% cash back, with no caps or restrictions. You can redeem accumulated cash back in any amount for checks or general statement credits.

  • Early Spend Bonus: Earn $500 bonus cash when you spend at least $4,500 in eligible purchases within 3 months of account opening.
  • Key Fees: There’s a $95 annual fee, waived for the first year, but no balance transfer or foreign transaction fees. 
  • Introductory APR: There’s no intro APR.
  • Other Perks: Get a customized, itemized quarterly spending report with your statement four times per year.

See our Capital One® Spark® Cash Business Card Review for more information. Learn more about this card and find out how to apply here.

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12. Capital One® Spark® Miles for Business

Big Early Spend Bonus; 2 Miles Per $1 Spent on All Purchases

Spark Miles Card Art 2 11 20

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Capital One Spark Miles for Business has a $95 annual fee after the first year, a solid travel rewards program, and a very attractive early spend bonus worth 50,000 bonus miles (a $500 value at redemption).

Moving forward, all purchases earn an unlimited 2 miles per $1 spent, with no spending caps or categories. Accumulated miles can be redeemed for statement credits or direct purchases (through Capital One) on a wide range of travel-related items, including airfare and hotel stays, at a rate of $0.01 per mile.

You can also transfer your miles to more than 10 leading travel programs, including JetBlue and Air Canada.

  • Early Spend Bonus: Earn 50,000 bonus miles when you spend at least $4,500 during the first 3 months of account opening. This bonus is worth $500 when redeemed for statement credits against travel purchases.
  • Key Fees: The $95 annual fee is waived for the first year. There’s no balance transfer fee or foreign transaction fee.
  • Introductory APR: There’s no intro APR.
  • Other Perks: Capital One’s emergency assistance program reimburses you for trips and reservations that need to be canceled due to illness, accidents, and other uncontrollable events.

See our Capital One Spark Miles for Business Review for more information. Learn more about this card and find out how to apply here.

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13. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

65,000 Bonus Miles After Spending $4,000 in Eligible Purchases Within the First 4 Months

Citibusiness Aa Platinum Select Card Art

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The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a fantastic spending aid for frequent American Airlines flyers (and anyone who flies with American’s alliance partners). Its rewards program promises 2 AAdvantage miles per $1 spent on American Airlines purchases, plus 2 miles per $1 spent on purchases in four business spending categories:

  • Telecommunications (including cell phones and plans)
  • Cable and satellite providers
  • Gas stations
  • Car rental merchants

All other purchases earn an unlimited 1 mile per $1 spent.

This card has an excellent sign-up bonus that should more than cover the mileage cost of a round-trip main cabin award flight anywhere in the United States. Don’t miss the companion certificate offer, a nice perk for heavy spenders, and the multitude of in-flight benefits.

  • Sign-up Bonus: Earn 65,000 bonus AAdvantage miles after spending $4,000 in eligible purchases within the first 4 months your account is open.
  • Key Fees: The annual fee is $99 after the first year. There’s no foreign transaction fee.
  • Introductory APR: None.
  • Other Perks: Enjoy a companion certificate (good for one round-trip main cabin domestic airfare) after spending $30,000 or more in purchases in a cardmembership year. Plus, get priority boarding, 25% off in-flight WiFi, and a free checked bag for yourself and up to four ticketed traveling companions on American Airlines flights.

See our CitiBusiness / AAdvantage Platinum Select  Mastercard Review for more information. Learn more about this card and find out how to apply here.

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14. Marriott Bonvoy Business™ American Express® Card

Fantastic Welcome Offer; 6 Marriott Bonvoy Points per $1 Spent at Participating Marriott Bonvoy Hotels

American Express Marriott Bonvoy Business Card

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The Marriott Bonvoy Business is the business version of the Marriott Bonvoy Brilliant American Express Card. The two cards have similar fees, terms, rewards programs, and fringe benefits.

Eligible purchases at participating Marriott Bonvoy hotels earn 6 points per $1 spent. Eligible purchases made at U.S. restaurants, U.S. gas stations, on wireless telecom purchases made directly with U.S. providers, and U.S. shipping purchases earn 4 points per $1 spent. All other eligible purchases earn 2 points per $1 spent.

You can redeem accumulated Bonvoy points for free nights at participating Marriott Bonvoy hotels. All cardholders in good standing enjoy complimentary Marriott Bonvoy Silver Elite status and one free night award every year after your account anniversary at participating Marriott Bonvoy hotels with redemption levels at or under 35,000 points per night.

Plus, when you make $35,000 or more in eligible purchases on your card in a calendar year, you’re upgraded to Gold Elite Status. And, when you make at least $60,000 in eligible purchases on your card in a calendar year, you receive an additional award night at participating hotels with redemption levels at or under 35,000 points per night.

All told, Bonvoy Business is a great card for business owners who regularly travel. Terms and conditions apply – see rates and fees.

  • Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after using your new card to make $3,000 of eligible purchases within the first 3 months of card membership. Plus, earn up to $150 back in statement credits on eligible purchases made with your card during the first 3 months.
  • Key Fees: The card’s annual fee is $125. There are no foreign transaction fees. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.
  • Introductory APR: None. Variable APR applies from day one.
  • Regular APR: The variable regular APR ranges from 15.74% to 24.74%, depending on creditworthiness and other factors. For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.
  • Other Perks: Enjoy free in-room premium WiFi, complimentary Silver Elite Status, upgrade to Gold Elite Status with $35,000 in eligible purchases on your card in a calendar year, 1 free award night each year after your cardmember anniversary, and an additional free award night after you spend at least $60,000 in purchases in a calendar year (redemption level at or below 35,000 points for both award nights).

See our Marriott Bonvoy Business™ American Express® Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.

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15. Delta SkyMiles® Reserve Business American Express Card

Up to 60,000 Bonus MQMs Yearly and Generous Delta Perks

Delta Reserve Business Card Art 8 26 20

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The Delta SkyMiles® Reserve Business American Express Card is a super-premium business travel card designed for frequent Delta flyers who like to travel in style.

This card comes in this far down our list primarily because of its hefty annual fee and its limited appeal outside the frequent Delta flyer club. (For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page.) But if your business travel habits, lifestyle, and budget allow, it’s hard to see why you wouldn’t want to have this card in your wallet.

Big spenders make out especially well with this card. Spend $30,000 in eligible purchases in a calendar year and you’ll get 15,000 bonus Medallion Qualification Miles (MQMs) with Status Boost, up to 4 times per year (for a total potential haul of 60,000 bonus MQMs).

And, when you spend at least $25,000 in eligible purchases in a calendar year, you’ll qualify for the Medallion Qualification Dollar (MQD) waiver, making it even easier to ascend the Medallion status ranks and earn coveted Delta perks.

Delta SkyMiles Reserve Business earns 3 SkyMiles per $1 spent on eligible Delta purchases. But, given the Medallion status benefits and other generous perks, such as complimentary Delta Sky Club and Centurion Lounge access for the primary cardholder with same-day ticketed Delta travel booked with a U.S.-issued American Express card, the regular rewards rate is almost beside the point.

Medallion status is pretty complicated. If you’re new to the ranks of Delta frequent flyers, check out this primer on the Delta Medallion program. Terms and limitations apply: see rates & fees.

  • Welcome Offer: Earn 60,000 bonus SkyMiles, 10,000 bonus Medallion Qualification Miles (MQMs), and a $100 statement credit after you spend $4,000 on eligible purchases with your new card within 3 months.
  • Key Fees: The annual fee is $550. There is no foreign transaction fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page.
  • Regular APR: The regular APR ranges from 15.74% to 24.74% variable, depending on prevailing rates and your personal creditworthiness. Please visit this rates and fees page for more information.
  • Other Perks: Enjoy complimentary Delta Sky Club membership and Centurion Lounge access with same-day ticketed Delta travel booked on a U.S.-issued American Express card (enrollment required); one complimentary companion certificate (including on some first-class fares) each year; main cabin priority boarding; discounted Sky Club access for up to two traveling companions; 20% off in-flight Delta purchases; and a slew of other perks and benefits. Plus, throughout 2021, you’ll earn an additional 3,750 MQMs after making $30,000 in purchases (up to four times), in addition to the 15,000 MQMs that you’d earn with Status Boost.

See our Delta SkyMiles Reserve Business Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page.

Apply Now


16. Delta SkyMiles® Platinum Business American Express Card

Generous Welcome Offer & Complimentary Companion Certificate Each Year When You Renew Your Card

Delta Skymiles Business Platinum Card Art 10 29 20

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The Delta SkyMiles® Platinum Business American Express Card is the grown-up cousin of the Delta SkyMiles Gold Business American Express Card.

If you’re a seasoned Delta business traveler who likes to fly in comfort, this is the card for you. Its consumer counterpart is the Delta SkyMiles Platinum American Express Card.

With this card, eligible Delta purchases earn 3 SkyMiles per $1 spent, as do eligible purchases made directly with hotels. All other eligible purchases earn 1 SkyMile per $1 spent, and purchases over $5,000 earn 1.5 SkyMiles per $1 spent, up to 50,000 additional miles.

When you spend at least $25,000 in a calendar year, you get 10,000 bonus Medallion Qualification Miles (MQMs) with Status Boost, which count toward Delta’s coveted Medallion status program. Spend $50,000 in a calendar year to earn an additional 10,000 bonus MQMs. You need at least 25,000 MQMs to ascend to Silver Medallion status, Delta’s lowest status tier.

You can redeem your SkyMiles for Delta airfare purchases, starting at 10,000 miles per short-haul domestic one-way or 5,000 miles when you use the Pay With Miles feature, at a typical rate of $0.01 to $0.02 per mile (always $0.01 per mile with Pay With Miles). Redemption terms are subject to change at Delta’s sole discretion. Terms and conditions apply – see rates and fees.

  • Welcome Offer: Earn 60,000 bonus SkyMiles, 5,000 bonus Medallion Qualification Miles (MQMs), and a $100 statement credit after spending at least $3,000 in eligible purchases with your new card in the first 3 months of card membership.
  • Key Fees: There is a $250 annual fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39. For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this rates and fees page.
  • Regular APR: The regular purchase APR ranges from 15.74% to 24.74% variable, depending on your creditworthiness and other factors. For more information, please visit this rates and fees page.
  • Other Perks: This card comes with some nice perks, including Main Cabin 1 priority boarding on Delta flights and a Domestic Main Cabin round-trip companion certificate each year upon renewal of your card account. Plus, throughout 2021, you’ll earn an additional 2,500 MQMs after making $25,000 in purchases (up to twice), in
    addition to the 10,000 MQMs that you’d earn with Status Boost.

See our Delta SkyMiles® Platinum Business American Express Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this rates and fees page

Apply Now


17. Delta SkyMiles® Gold Business American Express Card

Generous Welcome Offer; 2 SkyMiles Per $1 Spent on Delta Airfare & Select Other Purchases

Delta Skymiles Business Gold Card Art 10 29 20

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If you regularly fly with Delta for business, you need to take a closer look at the American Express Delta SkyMiles Gold Business Card. If your Delta travel is typically reserved for personal escapes, check out the consumer version of this card.

All eligible Delta airfare purchases, and select other eligible Delta purchases, earn 2 SkyMiles per $1 spent when you pay with this card. There’s no limit to how many SkyMiles you can earn. Certain other purchases also earn 2 SkyMiles per $1 spent:

  • U.S. advertising in select media
  • U.S. shipping
  • Dining in select restaurants

All other eligible purchases earn 1 SkyMile per $1 spent.

You can redeem your SkyMiles for Delta airfare purchases. Check Delta’s award chart for updated redemption requirements. Miles are typically worth $0.01 to $0.02 apiece at redemption, depending on the route and underlying dollar cost of the award fare.

If you don’t have enough miles to redeem in full for an award flight, Delta’s Pay With Miles feature lets you combine miles and cash for discounted airfare at a flat rate of $0.01 per mile. You need at least 5,000 SkyMiles to use Pay With Miles. Terms and conditions apply – see rates and fees.

  • Welcome Offer: Earn 50,000 bonus Delta SkyMiles and a $50 statement credit after spending $2,000 in purchases with your new card in the first 3 months.
  • Key Fees: The $99 annual fee is waived during the first year. There’s no foreign transaction fee. Late and returned payment fees range up to $39. Cash advances cost the greater of $5 or 3%. For rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please visit this rates and fees page.
  • Regular APR: The regular APR ranges from 15.74% to 24.74% variable, depending on prevailing rates and your personal creditworthiness. For more information, please visit this rates and fees page.
  • Other Perks: Delta perks include priority boarding and one free checked bag for the cardholder.

See our Delta SkyMiles Gold SkyMiles Business Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Delta SkyMiles® Gold Business Credit Card from American Express, please visit this rates and fees page.

Apply Now


18. Hilton Honors American Express Business Card

130,000 Bonus Points With $3,000 in Eligible Purchases in the First 3 Months & Automatic Complimentary Gold Status

Hilton Honors Amex Card Art 2 6 20

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The Hilton Honors American Express Business Card is a fantastic choice for Hilton loyalists who regularly stay at the hospitality family’s hotels and resorts while traveling on business.

The rewards program is reason enough to apply:

  • All eligible purchases made directly with hotels and resorts in the Hilton portfolio earn 12 Hilton Honors points per $1 spent, a truly impressive earning rate (though Hilton’s points aren’t as valuable as some other hospitality loyalty programs’).
  • Select business purchases earn 6 Honors points per $1 spent. Categories include purchases at gas stations, wireless communications purchases made directly with providers, and U.S. purchases of shipping.
  • Select partner travel purchases, including flights booked directly with airlines or Amex Travel and car rental purchases made directly with car rental companies, also earn 6 points per $1 spent.
  • U.S. restaurant purchases earn 6 points per $1 spent as well.
  • All other eligible purchases earn 3 points per $1 spent.

All cardholders in good standing enjoy complimentary Hilton Honors Gold status, whose benefits include an 80% bonus on all base point earnings and complimentary room upgrades where available.

When you spend $40,000 on eligible purchases with your card in a calendar year, you’ll earn Hilton Honors Diamond status through the end of the following calendar year.

  • Welcome Offer: Earn 130,000 Hilton Honors bonus points after you spend at least $3,000 in eligible purchases within the first 3 months of cardmembership.
  • Key Fees: The annual fee is $95. There is no foreign transaction fee. Cash advances cost the greater of $5 or 3%. Late and returned payments cost up to $39.
  • Introductory APR: None.
  • Regular APR: The variable regular APR for purchases ranges from 15.74% to 24.74% APR, depending on prevailing interest rates and your personal creditworthiness. For rates and fees of the Hilton Honors American Express Business Card, please visit this rates and fees page.
  • Other Perks: Earn complimentary Hilton Honors Gold status as long as your account remains open and in good standing and upgrade to Diamond status after $40,000 in eligible purchases in a calendar year. Enjoy one free weekend night reward after you spend $15,000 on your card in a calendar year and another weekend night reward when you spend an additional $45,000 on your card in the same calendar year ($60,000 total annual spend). Get 10 complimentary airport lounge visits at participating lounges with Priority Pass Select (enrollment required).

See our Hilton Honors American Express Business Card Review for more information. Find out how to apply for this card here.

For rates and fees of the Hilton Honors American Express Business Card, please visit this rates and fees page.

Apply Now


19. Capital One® Spark® Cash Select for Business

$200 Early Spend Bonus; 1.5% Cash Back on All Purchases

Spark Cash Card Art 2 25 20

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Capital One Spark Cash Select for Business is very similar to Capital One Spark Miles Select. Rates and fees are basically identical, with the main difference being a cash-based (not miles-based) rewards program.

When you sign up and spend at least $3,000 within the first 3 months of membership, you get $200 bonus cash. From day one, all purchases earn an unlimited 1.5% cash back, with no caps or restrictions. You can redeem accumulated cash back for general statement credits or mailed checks in any amount.

  • Early Spend Bonus: Earn $200 bonus cash when you spend at least $3,000 within three months of account opening.
  • Key Fees: There’s no annual fee, balance transfer fee, or foreign transaction fee.
  • Introductory APR: There is a 0% purchase APR for the first 9 months, then variable regular APR applies.
  • Other Perks: This card also comes with Capital One’s customized, itemized quarterly spending reports.

See our Capital One Spark Cash Select Business Card Review for more information. Learn more about this card and find out how to apply here.

Learn More


20. Capital One® Spark® Miles Select for Business

20,000-Mile Early Spend Bonus; 1.5x Miles per $1 Spent

Spark Miles Card Art 2 11 20

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Capital One Spark Miles Select for Business is a no-frills business credit card with a solid rewards program, nice early spend bonus, and minimal fees.

When you sign up and spend at least $3,000 within 3 months, you get 20,000 bonus miles. All purchases earn an unlimited 1.5 miles per $1 spent, with no caps or restrictions. You can redeem miles for travel-related purchases, such as airfare, hotel stays, and car rentals, either purchased directly through Capital One or via statement credit. Miles are always worth $0.01 apiece upon redemption.

  • Early Spend Bonus: Earn 20,000 bonus miles, worth $200 in travel reimbursements, when you spend at least $3,000 within three months of account opening.
  • Key Fees: There’s no annual fee, foreign transaction fee, or balance transfer fee. 
  • Introductory APR: See terms for introductory APR information.
  • Other Perks: You get a customized and itemized spending report, including spending categories and analytics, every quarter.

See our Capital One Spark Miles Select Business Card Review for more information. Learn more about this card and find out how to apply here.

Learn More


21. The Plum Card® from American Express

60-Day Interest-Free Payment Period; 1.5% Discount for Early Payment

American Express Business Plum Card

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The American Express Plum Card is a business card with flexible payment terms and a bevy of other useful perks. However, its annual fee is on the high side, and it lacks a rewards program. (For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.)

As a Plum Card member, you get a 1.5% discount when you pay your card balance in full within 10 days of your statement closing date, payable as a statement credit on the following billing statement. For instance, if you pay a $1,000 balance within 10 days of statement closing, your next statement includes a $15 credit.

As long as you make at least the minimum payment (typically 10% of new payment activity, plus any carried balance) by your statement due date, you can wait until the following statement’s due date to pay the remainder of your balance without incurring penalty fees. Terms and conditions apply – see the full list of rates and fees.

  • Welcome Offer: There’s no welcome offer.
  • Key Fees: There’s a $250 annual fee, waived in the first year, and no foreign transaction fee. Late payments cost $39 or 2.99% of the late amount. Returned payments cost up to $39. For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.
  • APR: Though this card doesn’t accrue interest charges, failure to pay in timely fashion can result in account closure. For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.

See our American Express Plum Card Review for more information. Find out how to apply for this card here.

For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.

Apply Now


Final Word

The sharing economy is changing what it means to be in business for yourself. Being an entrepreneur today can be as simple as driving for a ridesharing app in your spare time, renting out an extra bedroom for short stays on Airbnb, or putting up a personal website touting your freelance skills. You don’t need thousands of dollars in startup capital, a dedicated office, or employees working under you.

If you’re a lean, modern “solopreneur,” you might not realize that you’re eligible to apply for business credit cards – but you probably are. And even if you aren’t in business for yourself at the moment, starting your own small business is likely to be simpler than you think. When the time comes to set out on your own, make sure you have a trusty spending ally in your wallet.

What’s your favorite credit card for business spending?


  • For rates and fees of the Business Platinum Card® from American Express, please visit this rates and fees page.
  • For rates and fees of the American Express® Business Gold Card, please visit this rates and fees page.
  • For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please visit this rates and fees page.
  • For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please visit this rates and fees page.
  • For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please visit this rates and fees page.
  • For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please visit this rates and fees page.
  • For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.
  • For rates and fees of The Plum Card® from American Express, please visit this rates and fees page.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.

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