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

Great for frequent traveler perks††
United℠ Business Card
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United℠ Business Card

Great for frequent traveler perks††

United℠ Business Card

  • Rewards rate

    1x - 2x
    Miles per dollar
  • Annual fee

    $0 Intro for the First Year, then $99
  • Welcome bonus

    75,000
    Miles
Rewards rate

1x - 2x Miles per dollar

Annual fee

$0 Intro for the First Year, then $99

Welcome bonus

75,000 Miles

Great for planning a business auto purchase††
GM Business Card™
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GM Business Card™

Great for planning a business auto purchase††

GM Business Card™

  • Regular purchase APR

    18.24% - 28.24%*
    Variable
  • Annual fee

    None
Regular purchase APR

18.24% - 28.24%* Variable

Annual fee

None

Great for maximizing business rewards††
Capital One Spark Cash Plus
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Capital One Spark Cash Plus

Great for maximizing business rewards††

Capital One Spark Cash Plus

  • Rewards rate

    2% - 5%
    Cash back
  • Annual fee

    $150
  • Welcome bonus

    Up to $1,000
Rewards rate

2% - 5% Cash back

Annual fee

$150

Welcome bonus

Up to $1,000

Great for a more comfortable business trip††
The Hilton Honors American Express Business Card
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The Hilton Honors American Express Business Card

Great for a more comfortable business trip††

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

130,000 Points

Great for luxury business travel††
Delta SkyMiles® Reserve Business American Express Card
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Delta SkyMiles® Reserve Business American Express Card

Great for luxury business travel††

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

100,000 Miles

Southwest® Rapid Rewards® Performance Business Credit Card
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Southwest® Rapid Rewards® Performance Business Credit Card

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

80,000 Points

Capital One Spark Classic for Business
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Capital One Spark Classic for Business

Capital One Spark Classic for Business

  • Rewards rate

    1% - 5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Great for big-spending businesses††
American Express® Business Gold Card
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American Express® Business Gold Card

Great for big-spending businesses††

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

70,000 Points

Great for financing a business††
American Express® Blue Business Cash Card
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American Express® Blue Business Cash Card

Great for financing a business††

American Express® Blue Business Cash Card

  • Rewards rate

    1% - 2%
    Cash back
  • Annual fee

    $0
  • Welcome bonus

    $250
Rewards rate

1% - 2% Cash back

Annual fee

$0

Welcome bonus

$250

Great for more-efficient business travel††
Delta SkyMiles® Platinum Business American Express Card
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Delta SkyMiles® Platinum Business American Express Card

Great for more-efficient business travel††

Delta SkyMiles® Platinum Business American Express Card

  • Rewards rate

    1.5x - 3x
    Miles per dollar
  • Annual fee

    $250
  • Welcome bonus

    95,000
    Miles
Rewards rate

1.5x - 3x Miles per dollar

Annual fee

$250

Welcome bonus

95,000 Miles

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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.