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

Delta SkyMiles® Reserve Business American Express Card

  • Rewards rate

    1x - 3x
    Miles per dollar
  • Welcome bonus

    60,000
    Miles
  • Annual fee

    $550
Rewards rate

1x - 3x Miles per dollar

Welcome bonus

Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.

Annual fee

$550

The Hilton Honors American Express Business Card

  • Rewards rate

    3x - 12x
    Points per dollar
  • Welcome bonus

    130,000
    Points
  • Annual fee

    $95
Rewards rate

3x - 12x Points per dollar

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.

Annual fee

$95

United℠ Business Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Welcome bonus

    Up to 150,000
    Miles
  • Annual fee

    $99
Rewards rate

1x - 2x Miles per dollar

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.

Annual fee

$99

GM Business Card™

  • Regular purchase APR

    15.49% - 25.49%*
    Variable
  • Annual fee

    None
Regular purchase APR

15.49% - 25.49%* Variable

Annual fee

None

Great for business travel††
Great for business travel††

Southwest® Rapid Rewards® Premier Business Credit Card

  • Rewards rate

    1x - 3x
    Points per dollar
  • Welcome bonus

    60,000
    Points
  • Editors' bonus estimate

    $810
  • Annual fee

    $99
Rewards rate

1x - 3x Points per dollar

Welcome bonus

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

Editors' bonus estimate

$810

Annual fee

$99

The Plum Card® from American Express

  • Regular purchase APR

    N/A
  • Annual fee

    $250
Regular purchase APR

N/A

Annual fee

$250

Delta SkyMiles® Gold Business American Express Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Welcome bonus

    50,000
    Miles
  • Annual fee

    $0 intro, then $99 after first year
Rewards rate

1x - 2x Miles per dollar

Welcome bonus

Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.

Annual fee

$0 intro, then $99 after first year

The Blue Business® Plus Credit Card from American Express

  • Rewards rate

    1x - 2x
    Points per dollar
  • Welcome bonus

    15,000
    Points
  • Annual fee

    $0
Rewards rate

1x - 2x Points per dollar

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.

Annual fee

$0

American Express® Blue Business Cash Card

  • Rewards rate

    1% - 2%
    Cash back
  • Welcome bonus

    $250
  • Annual fee

    $0
Rewards rate

1% - 2% Cash back

Welcome bonus

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Annual fee

$0

Marriott Bonvoy Business® American Express® Card

  • Rewards rate

    2x - 6x
    Points per dollar
  • Welcome bonus

    125,000
    Points
  • Annual fee

    $125
Rewards rate

2x - 6x Points per dollar

Welcome bonus

Earn 125,000 Marriott Bonvoy Bonus Points after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 8/31/22.

Annual fee

$125

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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.