Business credit cards
We think you'll love these cards from our partners.
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 simple business rewards††
Great for simple business rewards††
Capital One Spark Cash Select
Rewards rate
1.5% - 5%Cash backAnnual fee
$0Welcome bonus
$500
Rewards rate
1.5% - 5% Cash back
Annual fee
$0
Welcome bonus
$500
- Earn a $500 bonus when you spend $4,500 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
Great for simple cash back††
Great for simple cash back††
Ink Business Unlimited® Credit Card
Rewards rate
1.5%Cash backAnnual fee
$0Welcome bonus
$900
Rewards rate
1.5% Cash back
Annual fee
$0
Welcome bonus
$900
- Earn $900 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
Earniva® Business Mastercard with Cashback Rewards
Rewards rate
1.5%Cash backAnnual fee
$125
Rewards rate
1.5% Cash back
Annual fee
$125
- Earniva Mastercard is a great option for Sole Proprietors, Gig Workers & Contractors.
- Unlimited 1.5% Cashback Rewards earned on Every Purchase.
Great for luxury business travel††
Great for luxury business travel††
Delta SkyMiles® Reserve Business American Express Card
Rewards rate
1x - 3xMiles per dollarAnnual fee
$650Welcome bonus
110,000MilesEditors' 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
- Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/23/24.
- 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 frequent traveler perks††
Great for frequent traveler perks††
United℠ Business Card
Rewards rate
1x - 2xMiles per dollarAnnual fee
$0 Intro Annual Fee for the First YearWelcome bonus
75,000MilesEditors' 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
- 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 simple cash back††
Great for simple cash back††
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Rewards rate
1.5%Cash backAnnual fee
$0Welcome bonus
$300
Rewards rate
1.5% Cash back
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 a more comfortable business trip††
Great for a more comfortable business trip††
The Hilton Honors American Express Business Card
Rewards rate
3x - 12xPoints per dollarAnnual fee
$195Welcome bonus
175,000PointsEditors' 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
- 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 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
Great for choosing your top category††
Great for choosing your top category††
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Rewards rate
1% - 3%Cash backAnnual fee
$0Welcome bonus
$300
Rewards rate
1% - 3% Cash back
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 Southwest business travel††
Great for Southwest business travel††
Southwest® Rapid Rewards® Premier Business Credit Card
Rewards rate
1x - 3xPoints per dollarAnnual fee
$99Welcome bonus
60,000PointsEditors' 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
- 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.
Great for business bonus rewards††
Great for business bonus rewards††
Ink Business Cash® Credit Card
Rewards rate
1% - 5%Cash backAnnual fee
$0Welcome bonus
Up to $750
Rewards rate
1% - 5% Cash back
Annual fee
$0
Welcome bonus
Up to $750
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
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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.