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.
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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 28.49%

Annual Fee

$375

This card comes with great rewards and incentives on a range of purchases that are relevant to the average office-based business. You can expect 4X Membership Rewards® points on the top 2 categories where your business spends the most each billing cycle (from 6 categories). Each calendar year, you can earn 4X points on the first $150,000 spent in these categories (then 1X). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your card, and earn up to $20 in statement credits every month, after using your card for eligible US purchases at FedEx, Grubhub, and Office Supply Stores. You will also receive $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership with your card! - -- Terms Apply

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 28.49%

Annual Fee

$695

With this card, gain complimentary access to the American Express Global Lounge Collection® - a portfolio of more than 1,400 airport lounges across 140 countries and counting. You’ll have more airport lounge options than any other credit card issuer on the market! In terms of rewards earn 1.5X points on eligible purchases at US construction material stores, hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers. The same rate applies to purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. A number of other benefits apply, from complimentary $189 CLEAR® Plus Credit, to $200 airline fee credit.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 27.49%

Annual Fee

$See Terms

Start your card ownership with a gift, in the shape of a $100 Amazon Gift Card, with this business-focused credit card. Then as you use the card, take advantage of 3% Back or 60 Day Terms on US purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market (on the first $120,000 you spend each calendar year. 1% Back thereafter). Earn 2% Back at US restaurants and gas stations, and on wireless telephone services purchased directly from US service providers. 1% back on all other purchases. The rewards on this card also don't expire - you are free to choose when to redeem them. -- Terms Apply

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

This is a good all-rounder with significant flexibility when it comes to spending over your credit limit, thanks to Expanded Buying Power. There is no annual fee, and you will receive 0% intro APR on purchases for 12 months from the date of account opening. Earn 2X Membership Rewards® points on everyday business purchases for the first $50,000 you spend per year. You can also expect a welcome gift of 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.99%

Annual Fee

$99

Recommend Credit Score

720 - 850

A card for those who fly regularly for business, with plenty of rewards geared towards travel. Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 within the first 4 months of owning a card. Enjoy a free first checked bag on domestic American Airlines itineraries, 25% savings on American Airlines inflight Wi-Fi when you use your card, and preferred boarding on American Airlines flights. This card will earn you AAdvantage® miles and Loyalty Points (1 for every 1 eligible AAdvantage® mile). No foreign transaction fees.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.99% - 28.99%

Annual Fee

$99

Recommend Credit Score

720 - 850

The perfect card for regular United customers who want to optimize their travel budget. Enjoy a free first checked bag, significant savings every flight, 2 United Club℠ one-time passes per year, and priority boarding privileges. Earn 2 miles for every $1 spent on United® purchases, dining (including some delivery services), at gas stations, office supply stores, and on local transit. 1 mile per $1 for all other purchases. The United card is particularly useful if your team flies regularly too, as you can register employee cards at no additional cost, and miles earned from their purchases accrue in your account.

Intro Purchase APR

0% for 9 billing cycles

Intro Transfer APR

N/A

Regular APR

18.49% - 28.49%

Annual Fee

$0.00

Recommend Credit Score

720 - 850

Earn cash rewards for spending on business-related categories of your choice. That’s 3% cash back from purchases in gas stations & EV charging stations, office supply stores and travel, to TV/telecom & wireless, computer services and business consulting services. Receive a further 2% cash back on dining purchases and 1% cash back on all other purchases. You can also raise these rates by up to 75% if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. No annual fee, and 0% Introductory APR on purchases for your first 9 billing cycles.

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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℠.