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

United℠ Business Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Annual fee

    $99
  • Welcome bonus

    Up to 150,000
    Miles
Rewards rate

1x - 2x Miles per dollar

Annual fee

$99

Welcome bonus

Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.

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

Delta SkyMiles® Reserve Business American Express Card

  • Rewards rate

    1x - 3x
    Miles per dollar
  • Annual fee

    $550
  • Welcome bonus

    100,000
    Miles
Rewards rate

1x - 3x Miles per dollar

Annual fee

$550

Welcome bonus

Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.

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

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.

American Express® Business Gold Card

  • Rewards rate

    1x - 4x
    Points per dollar
  • Annual fee

    $295
  • Welcome bonus

    70,000
    Points
Rewards rate

1x - 4x Points per dollar

Annual fee

$295

Welcome bonus

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.

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

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Southwest® Rapid Rewards® Performance Business Credit Card

  • Rewards rate

    1x - 4x
    Points per dollar
  • Annual fee

    $199
  • Welcome bonus

    80,000
    Points
Rewards rate

1x - 4x Points per dollar

Annual fee

$199

Welcome bonus

Earn 80,000 points after spending $5,000 within the first 3 months.

The Plum Card® from American Express

  • Regular purchase APR

    N/A
  • Annual fee

    $250
Regular purchase APR

N/A

Annual fee

$250

Delta SkyMiles® Platinum Business American Express Card

  • Rewards rate

    1.5x - 3x
    Miles per dollar
  • Annual fee

    $250
  • Welcome bonus

    85,000
    Miles
Rewards rate

1.5x - 3x Miles per dollar

Annual fee

$250

Welcome bonus

Earn 85,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer ends 11/9/22.

The Business Platinum Card® from American Express

  • Rewards rate

    1x - 5x
    Points per dollar
  • Annual fee

    $695
  • Welcome bonus

    120,000
    Points
Rewards rate

1x - 5x Points per dollar

Annual fee

$695

Welcome bonus

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

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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.