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

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 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

19.49% - 28.49%

Annual Fee

$695

Recommend Credit Score

720 - 850

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.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$195

Recommend Credit Score

720 - 850

Travel in style, with this card and the access it wins you to exclusive Hilton benefits. Enjoy complimentary Hilton Honors™ Gold Status, and earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. You can also earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants. Earn 3X on all other eligible purchases.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

N/A

Annual Fee

$250

Recommend Credit Score

720 - 850

This card carries incentives to pay your credit off early - receive an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date, and see the discount applied to your next statement when you pay by the Please Pay By date. By doing this - pay the minimum on time - you are given up to 60 days with no interest to pay the rest.

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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

N/A

Intro Transfer APR

N/A

Regular APR

20.24%-28.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

This card will get you earning points in your daily life, and when you travel. Introducing the US Bank Business Altitude Connect™ World Elite Mastercard®: the business travel card that's 5X more rewarding. Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center, 4X points on travel, gas and EV charging stations (on the first $150,000 in combined annual spend), 2X points on dining, takeout, restaurant delivery and cell service providers, and 1X points on all other eligible spends. There are no foreign transaction fees with this card, and your rewards never expire. You can divide large purchases into fixed monthly payments using a U.S. Bank ExtendPay® Plan, and join with confidence, with $0 intro annual fee for the first year.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 26.24%

Annual Fee

$0

Recommend Credit Score

720 - 850

There’s a pretty great welcome offer with this card - $750 in rewards when you spend $7,500 in eligible purchases on your card, within the first 120 days of opening your account. You can then redeem your rewards for a choice of cash back, gift cards, merchandise and travel. One particularly interesting feature is the free access to expense management tool: VISA Spend Clarity. Access the tool and sync expenses, set employee card controls, generate reports, and more. Earn 1% to 5% cash back depending on what you’re spending on, and enjoy the lack of annual fee!

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49% - 28.49%

Annual Fee

$199

Recommend Credit Score

720 - 850

Earn benefits for your team at Hyatt, using this card. Enjoy World of Hyatt Discoverist status for as long as your account is open (and discoverist status to up to five employees!). Earn points for every cent you spend, be that at Hyatt (9 points total per $1 spent), 2 bonus points total per $1 spent in your top three spend categories each quarter through 12/31/24 (then your top two categories each quarter), 2 bonus points per $1 spent on fitness club and gym memberships, and 1 Bonus Point per $1 spent on all other purchases. You can also enjoy up to $100 in Hyatt statement credits by spending $50 or more at any Hyatt property and earning $50 statement credits in return, up to two times each anniversary year. Finally, the card comes with a welcome gift of 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months.