Best Small Business Credit Cards

The top credit card offers for small business - Updated January 2024

28 Cards in Total

Choosing a credit card for your business is an important decision, but it does not have to be a time consuming or difficult process. Below there are several credit cards that cater to small business owners from a variety of issuers. These cards typically require your EIN upon application submission and are a great way to streamline spending as well as earning rewards while doing so.

CreditCardReviews.com is an independent, advertising-supported comparison service. Many of the offers that appear on this site are from companies from which CreditCardReviews.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCardReviews.com does not include the entire ecosystem of credit offers available to the US market. CreditCardReviews.com has partnerships with issuers and referral platforms including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, Well Fargo, and Cardratings.

Intro Purchase APR

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Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$350

Recommend Credit Score

720 - 850

With this card, you can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your card. You will also get a welcome offer of 60,000 Bonus Miles after spending $3,000 on your new Card in your first 3 months of Card Membership. You will earn more miles on big purchases with 1.5 miles per $1 on single eligible purchases of $5,000 or more, up to 50,000 additional miles per Calendar year. Then save 15% when you use these miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. -- Terms Apply

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$650

Recommend Credit Score

720 - 850

Access to Delta Sky Club® is complimentary with this card, and you'll receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together (plus a few other bonuses - check the terms and conditions!). You can also save 15% on Award Travel With TakeOff 15, and receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner (when you purchase a Delta flight with your card). As for rewards, after you spend $150,000 on your Card in a calendar year, earn 1.5 miles per dollar on all eligible purchases the rest of the year. Earn 3x miles per dollar on Delta purchases.

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Intro Purchase APR

0% Intro APR on Purchases for 12 months

Intro Transfer APR

N/A

Regular APR

18.49% - 24.49%

Annual Fee

$0

Recommend Credit Score

720 - 850

This is an excellent card for cash back bonuses, including a $750 bonus cash back after you spend $6,000 in the first 3 months. You can also expect 5% cash back on the first $25,000 you spend at office supply stores and on internet, cable and phone services, during every account anniversary year. There are no annual fees, and you will receive a 0% introductory APR for 12 months on purchases. You can also rest easy that your money is safe, with round-the-clock monitoring for unusual credit card purchases and Zero Liability your end for unauthorized charges made with your card or account information.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24%-26.24%

Annual Fee

$95

Recommend Credit Score

720 - 850

This is the card to use if you are looking for tight security. The card comes with round-the-clock monitoring for unusual credit card purchases, and you will not be held responsible for unauthorized charges. Your new purchases (up to a certain amount) are also covered for 120 days against damage or theft. Then there are the financial perks - earn 100,000 bonus points after spending $8,000 in the first 3 months, earn 3 points per $1 on the first $150,000 you spend on eligible purchases each year, and redeem your points for 25% more through Chase Travel℠.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

Flex for Business variable APR: 19.49% - 27.49%

Annual Fee

$195

Recommend Credit Score

720 - 850

This is the only business credit card with 2.5% cash back on every purchase of $5,000 or more. You will also earn 2% cash back on all other business purchases, and a $1,000 bonus cash back gift after you spend $10,000 in the first 3 months. This card also has excellent customer security measures. Built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection, all keep your money safe.

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Intro Purchase APR

0% Intro APR on Purchases for 12 months

Intro Transfer APR

N/A

Regular APR

18.49% - 24.49%

Annual Fee

$0

Recommend Credit Score

720 - 850

A card with no annual fee and high cash back rewards, with round-the-clock monitoring for unusual credit card purchases and Zero Liability on your end for unauthorized charges made with your card or account information. Earn unlimited 1.5% cash back on every purchase made for your business, and enjoy a $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You can also earn rewards faster with employee cards, and at no additional cost! 0% introductory APR for 12 months on purchases.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$125

Recommend Credit Score

720 - 850

This card not only gets you earning points, but also gets you discounts and offers at the Marriott hotels you know and love. Enjoy Complimentary Marriott Bonvoy Gold Elite Status and 2 Free Night Awards every year at hotels participating in Marriott Bonvoy®, one for free when your card renews and another after you spend $60K in purchases on your card that year. This card also comes with a welcome offer of three Free Nights Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Plus, receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49% - 28.49%

Annual Fee

$199

Recommend Credit Score

720 - 850

This card is a great option for accumulating points, with a bonus of 80,000 points after you spend $5,000 in the first 3 months, and 9,000 bonus points after your cardmember anniversary. Rates for earning points on everyday expenditures are also high - 4X points on Southwest® purchases, 3X points on Rapid Rewards® hotel and car rental partners, 2X points on rideshare and 2X points on social media/search engine advertising, internet, cable, and phone services. Earn 1X points on all other purchases.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49% - 28.49% (variable)

Annual Fee

$99

Recommend Credit Score

720 - 850

Accumulate points as you travel with this card, especially if you’re a Southwest regular. Earn 3X points on Southwest Airlines® purchases, 2X on Rapid Rewards® hotel and car rental partners, and 2X points on rideshare. Receive 1 point per $1 spent on all other purchases, and treat yourself with two complimentary EarlyBird Check-Ins® each year. On top of this, enjoy 60,000 points after spending $3,000 on purchases in the first 3 months, and 6,000 bonus points after your Cardmember anniversary.

Intro Purchase APR

0% on purchases for 12 months from date of account opening

Intro Transfer APR

N/A

Regular APR

18.49% - 26.49%

Annual Fee

$0

Recommend Credit Score

720 - 850

This card gives you the option to spend beyond your credit limit with Expanded Buying Power, allowing you and your business more financial flexibility. 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. You also earn great cash back rates with this card - 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% - and can expect a $250 statement credit after you spend $3,000 on your Card in your first 3 months.