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

Great for simple business rewards††
Capital One Spark Cash Select
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Capital One Spark Cash Select

Great for simple business rewards††

Capital One Spark Cash Select

  • Rewards rate

    1.5% - 5%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $500
Rewards rate

1.5% - 5% Cash back

Annual fee

$0

Welcome bonus

$500

Great for simple cash back††
Ink Business Unlimited® Credit Card
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Ink Business Unlimited® Credit Card

Great for simple cash back††

Ink Business Unlimited® Credit Card

  • Rewards rate

    1.5%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $900
Rewards rate

1.5% Cash back

Annual fee

$0

Welcome bonus

$900

Earniva® Business Mastercard with Cashback Rewards
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Earniva® Business Mastercard with Cashback Rewards

Earniva® Business Mastercard with Cashback Rewards

  • Rewards rate

    1.5%
    Cash back
  • Annual fee

    $125
Rewards rate

1.5% Cash back

Annual fee

$125

Great for luxury business travel††
Delta SkyMiles® Reserve Business American Express Card
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Delta SkyMiles® Reserve Business American Express Card

Great for luxury business travel††

Delta SkyMiles® Reserve Business American Express Card

  • Rewards rate

    1x - 3x
    Miles per dollar
  • Annual fee

    $650
  • Welcome bonus

    110,000
    Miles
  • Editors' bonus estimate

    up to $1,771
Rewards rate

1x - 3x Miles per dollar

Annual fee

$650

Welcome bonus

110,000 Miles

Editors' bonus estimate

up to $1,771

Great for frequent traveler perks††
United℠ Business Card
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United℠ Business Card

Great for frequent traveler perks††

United℠ Business Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Annual fee

    $0 Intro Annual Fee for the First Year
  • Welcome bonus

    75,000
    Miles
  • Editors' bonus estimate

    up to $1,598
Rewards rate

1x - 2x Miles per dollar

Annual fee

$0 Intro Annual Fee for the First Year

Welcome bonus

75,000 Miles

Editors' bonus estimate

up to $1,598

Great for simple cash back††
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
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Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

Great for simple cash back††

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card

  • Rewards rate

    1.5%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $300
Rewards rate

1.5% Cash back

Annual fee

$0

Welcome bonus

$300

Great for a more comfortable business trip††
The Hilton Honors American Express Business Card
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The Hilton Honors American Express Business Card

Great for a more comfortable business trip††

The Hilton Honors American Express Business Card

  • Rewards rate

    3x - 12x
    Points per dollar
  • Annual fee

    $195
  • Welcome bonus

    175,000
    Points
  • Editors' bonus estimate

    up to $788
Rewards rate

3x - 12x Points per dollar

Annual fee

$195

Welcome bonus

175,000 Points

Editors' bonus estimate

up to $788

Great for choosing your top category††
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
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Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Great for choosing your top category††

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

  • Rewards rate

    1% - 3%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $300
Rewards rate

1% - 3% Cash back

Annual fee

$0

Welcome bonus

$300

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

Great for Southwest 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

    up to $810
Rewards rate

1x - 3x Points per dollar

Annual fee

$99

Welcome bonus

60,000 Points

Editors' bonus estimate

up to $810

Great for business bonus rewards††
Ink Business Cash® Credit Card
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Ink Business Cash® Credit Card

Great for business bonus rewards††

Ink Business Cash® Credit Card

  • Rewards rate

    1% - 5%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    Up to $750
Rewards rate

1% - 5% Cash back

Annual fee

$0

Welcome bonus

Up to $750

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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.