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If you’re getting into business for yourself, you might be looking for the best business credit cards for startups.
But the best card for you depends on what you’re looking for and what your business needs. We like the Ink Business Preferred℠ Credit Card because it offers a competitive rewards structure. But if your startup is operating on a tight budget and you’re looking to cut costs, the Ink Business Cash℠ Credit Card might be a better fit for you.
The Brex Card for Startups is another trendy option for more-advanced new businesses.
In some ways, it’s superior to the other business credit cards we talk about here. But it could be difficult for early-stage startups to qualify for a corporate card like this. So if you’re a new business owner, it’s worth taking a look at some of the other cards we’ve listed.
- Best for no personal guarantee: Brex Card for Startups
- Best for building business credit: Capital One® Spark® Classic for Business
- Best for business trips: The Business Platinum® Card from American Express
- Best for simple cash back: Ink Business Unlimited℠ Credit Card
- Best for getting the word out about your new business: Ink Business Preferred℠ Credit Card
- Best for online retailers: American Express® Business Gold Card
- Best for doing business over the phone: SimplyCash® Plus Business Credit Card from American Express
- Best for cutting costs: Ink Business Cash℠ Credit Card
- Best for borrowing money: The Blue Business℠ Plus Credit Card from American Express
Unlike many business credit cards, it doesn’t require a personal guarantee. That means that as a founder, you aren’t legally obligated to take money out of your personal bank accounts to pay for your startup’s credit card bills. And it can be tough to find a business credit card with no personal guarantee.
What’s more? The Brex Card for Startups has a $0 annual fee.
But this is technically a corporate card, and there are some additional requirements for the card that could make it tough to qualify for.
Here’s why: The Capital One® Spark® Classic for Business can help your startup build credit.
Many business credit cards cater to owners with excellent personal credit. This can make it difficult for people with less-than-stellar personal credit to build business credit.
But the Capital One® Spark® Classic for Business may be available to startup founders who are working on their personal credit.
And its $0 annual fee can make it more accessible for startups looking to build business credit.
Here’s our breakdown of some of the best Capital One® Spark® business credit cards. You might also be interested in our guide to building business credit with poor personal credit.
Here’s why: The Business Platinum® Card from American Express features a welcome bonus of up to 75,000 Membership Rewards® points. You’ll earn 50,000 bonus points after you spend $10,000 and 25,000 more points after you spend an additional $10,000 on qualifying purchases within your first three months of account opening.
That might sound like a lot of money, but it’s not uncommon to spend more than you normally would when starting a new business.
And you’ll get more rewards for all that startup spending. The card gives you five points for every $1 spent on flights and prepaid hotels booked through amextravel.com, and 1.5 points for every eligible purchase of $5,000 or more (up to 1 million points). And you’ll get one point for every $1 spent on purchases.
Combine the welcome bonus with rewards spending and you might even save up enough points to pay for your next business trip.
Beyond rewards for travel spending and other purchases, The Business Platinum® Card from American Express also makes traveling more comfortable and affordable.
- The card comes with American Express Global Lounge Collection membership.
- You’ll receive a $200 airline fee credit each year (to pay for things like in-flight food, drinks or Wi-Fi with one qualifying airline of your choice).
- There are no foreign transaction fees.
The Business Platinum® Card from American Express has a lot going for it. But you’ll have to decide if these rewards and travel benefits outweigh the card’s $595 annual fee.
Check out our full review of The Business Platinum® Card from American Express for more.
Here’s why: The Ink Business Unlimited℠ Credit Card allows you to spend more time growing your business and less time optimizing rewards.
With this flat-rate cash back card, you’ll earn 1.5% cash back on every purchase you make.
Instead of trying to keep up with a complicated rewards structure, you can stay focused on the things that matter to your business.
You can also earn a sign-up bonus of $500 cash back if you spend $3,000 on purchases during the first 3 months after account opening.
All this for a $0 annual fee.
If you’re interested in this card, it might be worth reading our breakdown of the best Chase Ink business credit cards.
Here’s why: The Ink Business Preferred℠ Credit Card can help you spread the word about your new business.
You’ll earn three points for every $1 you spend on up to $150,000 in combined purchases each year in certain spending categories (after that, you’ll earn one point per $1). There are a couple of categories to choose from, but one that stands out is advertising your startup online through search engines like Google and social media websites like Facebook.
That’s in addition to the 80,000 bonus points you’ll earn after spending $5,000 on purchases during the first 3 months after account opening.
Just know that the Ink Business Preferred℠ Credit Card comes with a $95 annual fee.
Read more with our full review if you’re wondering if the Ink Business Preferred℠ Credit Card is right for your business.
Here’s why: Online retailers could save big on shipping.
The American Express® Business Gold Card offers four Membership Rewards® points for every $1 you spend (on up to $150,000 in combined purchases each year) in two of the card issuer’s specified categories in which you spend the most each month (and one point per $1 in the issuer’s other spending categories). After you hit the $150,000 limit, you’ll earn one point per $1.
One of the card’s spending categories is U.S. purchases for shipping, so if you’re starting a business on Amazon or eBay, you could potentially rack up points fast. But there’s a $295 annual fee, so you might want to wait until the sales start rolling in to apply for this card.
Check out cardholder reviews of the American Express® Business Gold Card from the past year.
Here’s why: The SimplyCash® Plus Business Credit Card from American Express features cash back on your bills for your U.S. phone services.
You’ll get 5% cash back on purchases at U.S. office supply stores, as well as phone services purchased from U.S. service providers (on up to $50,000 in purchases per calendar year — after that, you’ll get 1% back).
Whether you’re closing a business deal, recruiting new talent to join your company or trying to attract investors, if you conduct business over the phone you should seriously consider paying your bill with the SimplyCash® Plus Business Credit Card from American Express.
Plus, there’s no annual fee to hassle with.
Here’s why: Starting a business can be expensive — there’s no need to spend even more on credit cards.
Not only does the Ink Business Cash℠ Credit Card charge a $0 annual fee, but it also waives the fee that some business credit cards charge for employee cards.
So it’ll be even easier to earn rewards when you include the purchases your employees make on their employee cards without accounting for an individual card fee.
The Ink Business Cash℠ Credit Card features $500 bonus cash back after you spend $3,000 on purchases during the first 3 months after account opening. You’ll also get 5% cash back (on up to the first $25,000 you spend each year) on internet, phone and cable services, as well as at office supply stores each account anniversary year (then 1% back).
It’s a bonus you could easily reinvest into your startup.
Learn more about the Ink Business Cash℠ Credit Card with our review.
Here’s why: If you don’t have a ton of capital floating around, you might need to borrow money to grow your business.
Instead of taking out a loan, consider The Blue Business℠ Plus Credit Card from American Express, which features an introductory APR of 0% on purchases and balance transfers for the first 12 months months after opening your card. (After that, you’ll be charged a variable APR of 15.49% - 21.49% on both purchases and balance transfers.)
If you’re looking to transfer a balance to this card, you’ll need to make your balance transfer within 60 days of account opening to qualify for the intro APR, so pay attention to timing. There’s also a fee of 3% (minimum $5) for transferred balances.
This should give you enough time to get your business off the ground before the regular interest rates for purchases and balance transfers kick in.
Just keep in mind, you still have to make your minimum payment (on time) during the introductory APR period, or you’ll risk being hit with a penalty APR of up to 29.99% if you’re late or miss a payment.
The Blue Business℠ Plus Credit Card from American Express also comes with a $0 annual fee.
Read our review to learn more about The Blue Business℠ Plus Credit Card from American Express.
How we picked the best business credit cards for startups
To write this review, we started by looking at some of the best business credit cards out there. Then we considered which features are most important to startups whose founders may be looking to build business credit.
Because your startup may be operating on a budget and be short on capital, you’re probably looking for ways to save money. And you may want the freedom to take risks without being on the hook personally if the business fails.
But we also recognize that each startup faces its own unique challenges, so different small-business credit card features might matter more to different founders. That’s why we came up with a variety of options for the best business credit cards for startups.
How to make the most of your business credit card for startups
There are a few things you should understand about using a business credit card.
Opening a business card is a good way to build business credit. But even though you’re applying for a business credit card, the issuer may still check your personal credit scores. This means that your personal credit could play a role in whether you’re approved for the business card — and it could also be affected by your use of the card.
To complicate matters even more, many business credit cards hold you personally responsible for repaying the money your business spends. That means if you go out of business, the credit card issuer may still expect you to personally repay what the business owes.
That’s what makes the Brex Card for Startups so exceptional: It doesn’t require a personal guarantee from founders or affect their personal credit.
But because it’s a corporate card, the Brex Card for Startups may be difficult for certain startups to qualify for until their business is a little more established.
Look at some of the other business credit cards on this list to find one that’s a good fit for sole proprietors like freelancers and gig workers, who may have to rely on their personal credit to get started.
Regardless of which business card you apply for, we recommend you use it only for business expenses. If you’re interested in understanding more about your business card, check out our introduction to business vs. personal credit cards.