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.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 frequent traveler perks††
Great for frequent traveler perks††
United℠ Business Card
Rewards rate
1x - 2xMiles per dollarAnnual fee
$0 Intro for the First Year, then $99Welcome bonus
75,000Miles
Rewards rate
1x - 2x Miles per dollar
Annual fee
$0 Intro for the First Year, then $99
Welcome bonus
75,000 Miles
- 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 planning a business auto purchase††
Great for planning a business auto purchase††
GM Business Card™
Regular purchase APR
18.24% - 28.24%*VariableAnnual fee
None
Regular purchase APR
18.24% - 28.24%* Variable
Annual fee
None
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
Great for maximizing business rewards††
Great for maximizing business rewards††
Capital One Spark Cash Plus
Rewards rate
2% - 5%Cash backAnnual fee
$150Welcome bonus
Up to $1,000
Rewards rate
2% - 5% Cash back
Annual fee
$150
Welcome bonus
Up to $1,000
- Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
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
$95Welcome bonus
130,000Points
Rewards rate
3x - 12x Points per dollar
Annual fee
$95
Welcome bonus
130,000 Points
- Welcome Offer: 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.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Great for luxury business travel††
Great for luxury business travel††
Delta SkyMiles® Reserve Business American Express Card
Rewards rate
1x - 3xMiles per dollarAnnual fee
$550Welcome bonus
100,000Miles
Rewards rate
1x - 3x Miles per dollar
Annual fee
$550
Welcome bonus
100,000 Miles
- Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Southwest® Rapid Rewards® Performance Business Credit Card
Rewards rate
1x - 4xPoints per dollarAnnual fee
$199Welcome bonus
80,000Points
Rewards rate
1x - 4x Points per dollar
Annual fee
$199
Welcome bonus
80,000 Points
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
- 9,000 bonus points after your Cardmember anniversary.
Capital One Spark Classic for Business
Rewards rate
1% - 5%Cash backAnnual fee
$0
Rewards rate
1% - 5% Cash back
Annual fee
$0
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- No annual fee
Great for big-spending businesses††
Great for big-spending businesses††
American Express® Business Gold Card
Rewards rate
1x - 4xPoints per dollarAnnual fee
$295Welcome bonus
70,000Points
Rewards rate
1x - 4x Points per dollar
Annual fee
$295
Welcome bonus
70,000 Points
- Welcome Offer: 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.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
Great for financing a business††
Great for financing a business††
American Express® Blue Business Cash Card
Rewards rate
1% - 2%Cash backAnnual fee
$0Welcome bonus
$250
Rewards rate
1% - 2% Cash back
Annual fee
$0
Welcome bonus
$250
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
Great for more-efficient business travel††
Great for more-efficient business travel††
Delta SkyMiles® Platinum Business American Express Card
Rewards rate
1.5x - 3xMiles per dollarAnnual fee
$250Welcome bonus
95,000Miles
Rewards rate
1.5x - 3x Miles per dollar
Annual fee
$250
Welcome bonus
95,000 Miles
- Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
- NEW: Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
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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.