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.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$125

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

20.99% - 29.99%

Annual Fee

$350

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

19.49% - 27.49%

Annual Fee

$See Terms

If you’re a regular Amazon user, then why not earn as you browse? With this card, eligible Prime Members also get a $125 Amazon Gift Card upon approval, and an ongoing 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market (for the first $120,000 spent in a calendar year). You can also earn 2% Back at US restaurants, U.S. gas stations, and on wireless telephone services purchased directly from US service providers. 1% Back on other purchases. -- Terms Apply

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

$650

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.

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 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.

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!

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.49% - 28.49%

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% for 9 billing cycles

Intro Transfer APR

N/A

Regular APR

18.49% - 28.49%

Annual Fee

$0.00

Recommend Credit Score

720 - 850

There is no annual cap on cash rewards with this card, no annual fee, and the rewards don’t expire as long as your account remains open. Receive a gift of $300 in statement credit when you spend at least $3,000 in the first 90 days of your account opening. You can then earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business (free of cost) and earn up to an unlimited 2.62% cash back on all purchases (with a few terms and conditions). Choose how to redeem your cash rewards - as a bank deposit, statement credit or a mailed check.

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Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.24%

Annual Fee

$70

Recommend Credit Score

720 - 850

If you fly Alaska, then make sure you invest in this card. You will receive 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account. When you paid for your flight with your card, enjoy Priority Boarding and a free checked bag (and the same for up to 6 guests on the same reservation). You can also expect 20% back on Alaska Airlines inflight purchases when you pay with your card. When you’re not flying, earn miles through everyday purchases! 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare), and 1 mile for every $1 spent on all other purchases.

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.