Business credit cards
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CK Editors’ Tips††: Business credit cards offer a wide range of benefits to many different kinds of businesses, from sole proprietorships to those with dozens of employees. Take stock of your business’s needs and spending to figure out which kind of business card is right for you.Read more
What to consider when choosing a business credit card
Business credit cards can offer valuable rewards or ways to finance a business, but it’s important to remember that different businesses have different needs. For instance, a business travel credit card probably won’t help you much if you don’t travel for business, and free employee cards probably won’t do much for you if you’re a freelancer. It’s also worth remembering that a business card typically requires a personal guarantee, so you could personally be on the hook for paying your bill if your business runs out of funds.
Business credit cards can offer valuable rewards or ways to finance a business, but it’s important to remember that different businesses have different needs. For instance, a business travel credit card probably won’t help you much if you don’t travel for business, and free employee cards probably won’t do much for you if you’re a freelancer. It’s also worth remembering that a business card typically requires a personal guarantee, so you could personally be on the hook for paying your bill if your business runs out of funds.
How we picked the best business credit cards
We chose the best business credit cards by first acknowledging that businesses have very different needs. While some businesses might want to benefit from travel or cash back rewards, others might be more interested in financing new purchases or building business credit. We believe our picks address these different stages of business development, so that every business has the chance to find our list useful. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksWe chose the best business credit cards by first acknowledging that businesses have very different needs. While some businesses might want to benefit from travel or cash back rewards, others might be more interested in financing new purchases or building business credit. We believe our picks address these different stages of business development, so that every business has the chance to find our list useful. Read more about our methodology for picking the best credit cards.
Great for luxury business travel††
Great for luxury business travel††
Delta SkyMiles® Reserve Business American Express Card
Intro purchase APR
N/ARegular purchase APR
20.99% - 29.99%* VariableAnnual fee
$650Welcome bonus
75,000Miles
Intro purchase APR
N/A
Regular purchase APR
20.99% - 29.99%* Variable
Annual fee
$650
Welcome bonus
75,000 Miles
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Great for simple cash back††
Great for simple cash back††
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Intro purchase APR
0% for the first 9 billing cycles*Regular purchase APR
18.49% - 28.49%* VariableAnnual fee
$0Welcome bonus
$300
Intro purchase APR
0% for the first 9 billing cycles*
Regular purchase APR
18.49% - 28.49%* Variable
Annual fee
$0
Welcome bonus
$300
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Intro purchase APR
0% for the first 9 billing cyclesRegular purchase APR
18.49% - 28.49%* VariableAnnual fee
$0Welcome bonus
$300
Intro purchase APR
0% for the first 9 billing cycles
Regular purchase APR
18.49% - 28.49%* Variable
Annual fee
$0
Welcome bonus
$300
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
Great for a more comfortable business trip††
Great for a more comfortable business trip††
The Hilton Honors American Express Business Card
Intro purchase APR
N/ARegular purchase APR
20.99% - 29.99%* VariableAnnual fee
$195Welcome bonus
175,000Points
Intro purchase APR
N/A
Regular purchase APR
20.99% - 29.99%* Variable
Annual fee
$195
Welcome bonus
175,000 Points
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
Great for simple business rewards††
Great for simple business rewards††
Capital One Spark Cash Select for Excellent Credit
Intro purchase APR
N/ARegular purchase APR
18.49% - 24.49% (Variable)Annual fee
$0Welcome bonus
$750
Intro purchase APR
N/A
Regular purchase APR
18.49% - 24.49% (Variable)
Annual fee
$0
Welcome bonus
$750
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Ink Business Unlimited® Credit Card
Intro purchase APR
0% Intro APR on Purchases for 12 monthsRegular purchase APR
18.49% - 24.49%* VariableAnnual fee
$0Welcome bonus
$750
Intro purchase APR
0% Intro APR on Purchases for 12 months
Regular purchase APR
18.49% - 24.49%* Variable
Annual fee
$0
Welcome bonus
$750
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
Great for frequent traveler perks††
Great for frequent traveler perks††
United℠ Business Card
Intro purchase APR
N/ARegular purchase APR
21.99% - 28.99%* VariableAnnual fee
$0 Intro Annual Fee for the First YearWelcome bonus
75,000Miles
Intro purchase APR
N/A
Regular purchase APR
21.99% - 28.99%* Variable
Annual fee
$0 Intro Annual Fee for the First Year
Welcome bonus
75,000 Miles
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
Great for Southwest business travel††
Great for Southwest business travel††
Southwest® Rapid Rewards® Premier Business Credit Card
Intro purchase APR
N/ARegular purchase APR
21.49% - 28.49%* VariableAnnual fee
$99Welcome bonus
60,000Points
Intro purchase APR
N/A
Regular purchase APR
21.49% - 28.49%* Variable
Annual fee
$99
Welcome bonus
60,000 Points
- Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
- 6,000 bonus points after your Cardmember anniversary.
Ink Business Preferred® Credit Card
Intro purchase APR
N/ARegular purchase APR
21.24% - 26.24%* VariableAnnual fee
$95Welcome bonus
100,000Points
Intro purchase APR
N/A
Regular purchase APR
21.24% - 26.24%* Variable
Annual fee
$95
Welcome bonus
100,000 Points
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase TravelSM
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Great for frequent traveler perks††
Great for frequent traveler perks††
Delta SkyMiles® Gold Business American Express Card
Intro purchase APR
N/ARegular purchase APR
20.99% - 29.99%* VariableAnnual fee
$0 introductory annual fee for the first year, then $150Welcome bonus
55,000Miles
Intro purchase APR
N/A
Regular purchase APR
20.99% - 29.99%* Variable
Annual fee
$0 introductory annual fee for the first year, then $150
Welcome bonus
55,000 Miles
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.