Business credit cards
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.
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.
Delta SkyMiles® Reserve Business American Express Card
Rewards rate
1x - 3xMiles per dollarWelcome bonus
60,000MilesAnnual fee
$550
1x - 3x Miles per dollar
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.
$550
- Welcome Offer: 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.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
The Hilton Honors American Express Business Card
Rewards rate
3x - 12xPoints per dollarWelcome bonus
130,000PointsAnnual fee
$95
3x - 12x Points per dollar
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.
$95
- 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 US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
United℠ Business Card
Rewards rate
1x - 2xMiles per dollarWelcome bonus
Up to 150,000MilesAnnual fee
$99
1x - 2x Miles per dollar
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.
$99
- 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.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
GM Business Card™
Regular purchase APR
15.49% - 25.49%*VariableAnnual fee
None
15.49% - 25.49%* Variable
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.*
Southwest® Rapid Rewards® Premier Business Credit Card
Rewards rate
1x - 3xPoints per dollarWelcome bonus
60,000PointsEditors' bonus estimate
$810Annual fee
$99
1x - 3x Points per dollar
Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
$810
$99
- 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.
The Plum Card® from American Express
Regular purchase APR
N/AAnnual fee
$250
N/A
$250
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Delta SkyMiles® Gold Business American Express Card
Rewards rate
1x - 2xMiles per dollarWelcome bonus
50,000MilesAnnual fee
$0 intro, then $99 after first year
1x - 2x Miles per dollar
Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
$0 intro, then $99 after first year
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
The Blue Business® Plus Credit Card from American Express
Rewards rate
1x - 2xPoints per dollarWelcome bonus
15,000PointsAnnual fee
$0
1x - 2x Points per dollar
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.
$0
- 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.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
American Express® Blue Business Cash Card
Rewards rate
1% - 2%Cash backWelcome bonus
$250Annual fee
$0
1% - 2% Cash back
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$0
- 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.
Marriott Bonvoy Business® American Express® Card
Rewards rate
2x - 6xPoints per dollarWelcome bonus
125,000PointsAnnual fee
$125
2x - 6x Points per dollar
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.
$125
- Limited Time Offer: 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.
- 6x points at hotels participating in the Marriott Bonvoy™ program.