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.
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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.
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’ picks

The Hilton Honors American Express Business Card
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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

  • Rewards rate

    3x - 12x
    Points per dollar
  • Annual fee

    $95
  • Welcome bonus

    130,000
    Points
Rewards rate

3x - 12x Points per dollar

Annual fee

$95

Welcome bonus

130,000 Points

GM Business Card™
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GM Business Card™

GM Business Card™

  • Regular purchase APR

    16.99% - 26.99%*
    Variable
  • Annual fee

    None
Regular purchase APR

16.99% - 26.99%* Variable

Annual fee

None

Capital One Spark Cash Plus
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Capital One Spark Cash Plus

Capital One Spark Cash Plus

  • Rewards rate

    2% - 5%
    Cash back
  • Annual fee

    $150
  • Welcome bonus

    Up to $1,000
Rewards rate

2% - 5% Cash back

Annual fee

$150

Welcome bonus

Up to $1,000

Delta SkyMiles® Reserve Business American Express Card
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Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

  • Rewards rate

    1x - 3x
    Miles per dollar
  • Annual fee

    $550
  • Welcome bonus

    60,000
    Miles
Rewards rate

1x - 3x Miles per dollar

Annual fee

$550

Welcome bonus

60,000 Miles

United℠ Business Card
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United℠ Business Card

United℠ Business Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Annual fee

    $0 Intro for the First Year, then $99
  • Welcome bonus

    75,000
    Miles
Rewards rate

1x - 2x Miles per dollar

Annual fee

$0 Intro for the First Year, then $99

Welcome bonus

75,000 Miles

The Blue Business® Plus Credit Card from American Express
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The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

  • Rewards rate

    1x - 2x
    Points per dollar
  • Annual fee

    $0
  • Welcome bonus

    15,000
    Points
Rewards rate

1x - 2x Points per dollar

Annual fee

$0

Welcome bonus

15,000 Points

Capital One Spark Classic for Business
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Capital One Spark Classic for Business

Capital One Spark Classic for Business

  • Rewards rate

    1% - 5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Great for business travel††
Southwest® Rapid Rewards® Premier Business Credit Card
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Southwest® Rapid Rewards® Premier Business Credit Card

Great for business travel††

Southwest® Rapid Rewards® Premier Business Credit Card

  • Rewards rate

    1x - 3x
    Points per dollar
  • Annual fee

    $99
  • Welcome bonus

    60,000
    Points
  • Editors' bonus estimate

    $810
Rewards rate

1x - 3x Points per dollar

Annual fee

$99

Welcome bonus

60,000 Points

Editors' bonus estimate

$810

Delta SkyMiles® Platinum Business American Express Card
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Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

  • Rewards rate

    1.5x - 3x
    Miles per dollar
  • Annual fee

    $250
  • Welcome bonus

    60,000
    Miles
Rewards rate

1.5x - 3x Miles per dollar

Annual fee

$250

Welcome bonus

60,000 Miles

Capital One Spark Cash Select
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Capital One Spark Cash Select

Capital One Spark Cash Select

  • Rewards rate

    1.5% - 5%
    Cash back
  • Annual fee

    $0
Rewards rate

1.5% - 5% Cash back

Annual fee

$0

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†† The opinions you read here come from our editorial team. 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.