Best Business Credit Cards of 2021

After comparing fees, rates, rewards, and more for over 30 cards, we’ve found the best business credit cards.
Best overall
JP Morgan Chase Bank Business
Chase Ink Business Cash
3.8 out of 5 stars
3.8
$0.00 annual fee
  • Icon Pros  Dark
    Visa card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
Best for balance transfers
US Bank
U.S. Bank Business Cash Rewards World Elite Mastercard
3.7 out of 5 stars
3.7
$0.00 annual fee
  • Icon Pros  Dark
    Mastercard card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 cycles
Most flexible credit limit
american express logo
Blue Business Cash Card from American Express
3.6 out of 5 stars
3.6
$0.00 annual fee
  • Icon Pros  Dark
    American Express card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 12 mos.
Best flat-rate rewards
Capital One
Spark Cash Select from Capital One
3.5 out of 5 stars
3.5
$0.00 annual fee
  • Icon Pros  Dark
    Capital One card
  • Icon Pros  Dark
    Cash back rewards
  • Icon Pros  Dark
    0% APR for 9 mos.
Best purchase APR
Wells Fargo
Wells Fargo Platinum Credit Card
3.3 out of 5 stars
3.3
$0.00 annual fee
  • Icon Pros  Dark
    Visa card
  • Icon Pros  Dark
    Cash back or points rewards
  • Icon Pros  Dark
    0% APR for 9 mos.

Just about any business credit card can help your business build credit history and access more cash flow―but the best business credit cards do even more. They offer bonus programs and welcome offers that reward your business purchases, charge low fees to give you affordable working capital, and give you convenience and control with employee cards.

After many hours of research, we’ve found the best business credit cards that do all that (and then some). So on this list, you’ll find business credit card options that offer the best rewards, the lowest rates and fees, and the most convenience.

Ready to pick your new card?

The best business credit cards

Compare the best business credit cards

Brand
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
JP Morgan Chase Bank BusinessInk Business Cash/Unlimited
Chase$0.00/$0.0013.24%/19.24%0% for 12 mos.
US BankU.S. Bank Business Cash Rewards World Elite Mastercard
U.S. Bank$0.00/$0.0013.99%/22.99%0% for 12 cycles
Blue Business Cash Card
American Express$0.00/$0.0013.24%/19.24%0% for 12 mos.
Spark Cash Select
Capital One$0.00/$0.0013.99%/23.99%0% for 9 mos.
Wells Fargo Platinum Credit Card
Wells Fargo$0.00/$0.00Prime + 7.99%/Prime + 17.99%0% for 9 mos.

Data effective 04/20/21. At publishing time, amounts, rates, and requirements are current but are subject to change. Offers may not be available in all areas.

How do I pick the right business credit card?

To narrow down your business credit card choices, you should consider a few factors.

First, think about your payment patterns. If you’re the kind of business owner that repays your entire credit card balance each month, you can choose a card with a high APR (annual percentage rate)―because you shouldn’t end up paying interest anyway. But if you regularly carry a balance on your card, you should definitely look for a card with a lower APR so you don’t end up accumulating credit card debt.

Next, consider your business spending habits. Businesses that do more spending can earn more rewards (since reward and bonus programs are based on your purchases). That means that for some bigger spenders, it’s worth paying higher annual fees (or other fees) to earn a high rewards rate. But if you reserve your card for occasional use, you should look for a card with a lower annual fee―even if the rewards rate is lower.

And speaking of rewards, decide what kind of rewards program you want. Do you prefer basic cash back? Would travel rewards work better for your jet-setting business? Or do you like the flexibility of points, which can be turned into gift cards, merchandise, cash, and more? Whatever your preference, you’ll want to find a card that can meet it.

Of course, there are plenty more factors to take into account―like how you plan to use employee cards, how likely you are to rack up foreign transactions fees or balance transfer fees, what can get you big welcome bonuses, and so on.

As you think about these things, you should quickly see which cards fit your business needs and preferences―and which ones simply won’t.

Cash Ink Business Cash: Best overall business credit card

Best overall
JP Morgan Chase Bank Business
Chase Ink Business Cash
3.8 out of 5 stars
3.8
  • $0.00 annual fee
  • Check
    1–5% cash back rewards
  • Check
    $750 in bonus cash back after spending $7,500 in 3 mos.
  • Check
    Free employee cards

Based on our research, Chase Bank offers the best credit card for most businesses with its Ink Business Cash card.

There’s a lot to love about Ink Business Cash, but let’s start with its rewards program. Ink Business Cash earns (you guessed it) cash back, with rates up to a whopping 5%. (For reference, the average maximum cash back rate for cards on this list is 2.25%.)

That 5% rate does come with some conditions: It applies to just the first $25,000 your business spends on internet, phone, cable, or at office supply companies each year. But you still get cash back on other purchases―2% on gas station and restaurant purchases (for the first $25,000), and then 1% on everything else. And you can earn $750 in bonus cash by spending $7,500 in your first three months with Ink Business Cash.

It’s not all about the rewards, though. Ink Business Cash also shines thanks to its low fees (it has no annual fee or employee card fees, for example) and competitive interest rates (including a 12 month 0% promotional APR). Put simply, it’s an all around great card for business.

That doesn’t make Ink Business Cash right for every business owner though. If you prefer points or travel rewards, for example, you’ll be disappointed. And depending on how you spend, other cash back cards could end up earning more for your business (if, say, you don’t ever shop at office supply stores).

Even so, for most businesses, Chase Ink Business Cash has the right rewards, fees, and rates―earning it the top spot on our business credit card rankings.

A flat-rate alternative: Chase Ink Business Unlimited

Interested in a Chase business credit card, but not sure about the tiered reward rates on Ink Business Cash? No problem―you can pick Chase Ink Business Unlimited.

Ink Business Unlimited uses a flat reward rate (1.5%) instead of a tiered rate. And like its tiered cousin, Ink Business Unlimited doesn’t charge annual fees or employee card fees, and it has a fairly low APR. Based on your spending habits, it could get you more cash back than Ink Business Cash.

U.S. Bank Business Cash Rewards World Elite Mastercard: Best for balance transfers

Best for balance transfers
US Bank
U.S. Bank Business Cash Reward Elite Mastercards
3.7 out of 5 stars
3.7
  • $0.00 annual fee
  • Check
    1–3% cash back rewards
  • Check
    $500 in bonus cash back after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Have a credit card balance you’d like to transfer to a new business card? U.S. Bank Business Cash Rewards World Elite Mastercard lets you do a balance transfer without breaking the bank.

That’s mostly because the World Elite Mastercard offers a promotional APR (0%, of course) that you can apply to balance transfers―not just purchases. That means you’ll get 12 billing cycles of 0% APR on your balance transfer amount, which makes this card perfect for those situations where you’re looking for a lower APR or want to consolidate your business credit card debt.

After your year is up, you’ll go back to the Business Cash Rewards card’s usual (but still competitive) APR. But you won’t have to pay an annual fee or employee card fees. And no matter what year you’re in, you can earn cash back rewards of up to 3%―plus a cash back bonus each year.

In other words, the U.S. Bank Business Cash Rewards World Elite Mastercard offers a great deal for your balance transfer needs―and all your business credit card needs after that.

An alternative with a better APR: U.S. Bank Business Platinum Card

A 12-month promotional APR is nothing to sneeze at, but you can do even better with a different US Bank credit card: the Business Platinum Card. With this card, your 0% balance transfer APR lasts for 15 cycles instead of 12. Plus, you get a lower post-promotion APR (by about 2%).

But while this card offers cheap balance transfers, it doesn’t offer any reward program. So if you don’t need those extra three cycles of 0% APR, you’ll probably prefer earning rewards with the World Elite Mastercard.

Blue Business Cash Card: Best for flexible credit limits

Best for flexible spending limits
american express logo
Blue Business Cash Card
3.6 out of 5 stars
3.6
  • $0.00 annual fee
  • Check
    1–2% cash back rewards
  • Check
    $250 in bonus cash back after spending $5,000 in 6 mos.; $250 more after spending $10,000 in 12 mos.
  • Check
    Free employee cards

Ever find yourself hitting your credit limit and wishing it was just a hair higher? That’s when the Blue Business Cash Card from American Express comes in handy, thanks to its flexible credit limit.

See, the Blue Business Cash Card comes with Expanded Buying Power, a feature that lets you spend beyond your stated credit limit. That way, you never have to postpone an important purchase just because it’s almost the end of your cycle and you’ve spent a lot. Instead, you can spend what you need (and get cash back rewards for that spending).

Now, whatever you spend past your usual credit limit does have to get repaid in full each month―you can’t carry it as an ongoing balance. Even so, Blue Business Cash offers way more cash flow flexibility than most business cards. And when you throw in the low fees, cash back rewards, and welcome bonus offer, you end up with a good card even without the expanded credit limit.

So even if you just need occasional cash flow flexibility, you have plenty of reasons to get the Blue Business Cash Card with its Expanded Buying Power.

A point-based alternative: Blue Business Plus Credit Card

If you like the sound of Expanded Buying Power but you’re not sold on cash back, go with the Blue Business Plus Credit Card from American Express instead.

Blue Business Plus looks almost exactly like Blue Business Cash―with the same APR and fees―but it earns points instead of cash back. You can choose to use points on gift cards, travel, shopping, or even to get statement credit. If you want cash back, though, stick to Blue Business Cash.

Spark Cash Select: Best flat-rate rewards

Best flat-rate rewards
Capital One
Spark Cash Select
3.5 out of 5 stars
3.5
  • $0.00 annual fee
  • Check
    1.5% cash back rewards
  • Check
    $200 in bonus cash back after spending $3,000 in 3 mos.
  • Check
    Free employee cards

Lots of business cards (as you may have noticed) offer tiered rewards that let you earn big percentages on some categories and small percentages on others. If that sounds too complicated, we suggest a flat-rate card like Spark Cash Select.

Spark Cash Select from Capital One still rewards you―with cash back, in this case―but it gives you the same rewards for all your spending. You get a flat 1.5% reward rate on every eligible purchase. It doesn’t matter if the purchase comes from a restaurant or a furniture store or the bodega around the corner. Everything counts toward that 1.5% cash back, which makes things simpler for you.

That does mean, of course, that Spark Cash Select won’t work for business owners who want to optimize their cash back rewards. But if you prefer a laid back approach, we think you’ll like Spark Cash Select’s flat rate, as well as its low fees and competitive rates.

For consistent, predictable cash back on your business expenses, Spark Cash Select gets the job done.

A travel-focused alternative: Spark Miles Select

If flat-rate rewards sound nice, but you’re more into travel rewards, you’re in luck―Capital One also offers Spark Miles Select, which earns travel rewards rather than cash back. You get 1.5x miles for each dollar you spend.
Actual rewards aside, the two Spark Select cards are nearly identical, with the same fees, rates, and flat-rate reward structure.

Higher earning alternatives: Spark Cash and Spark Miles

Spark Cash Select and Spark Miles Select earn a respectable 1.5% cash back and 1.5x miles―but you can earn even more with Spark Cash and Spark Miles. These cards earn 2% and 2x miles, respectively.
The downside? Both cards have a $95 annual fee (waived the first year), and they come with a higher APR. Depending on how you spend, you might earn enough to make the annual fee worth it―but you might want to run some calculations before you commit to anything.

Wells Fargo Platinum Credit Card: Best purchase APR

Best purchase APR
Wells Fargo
Wells Fargo Platinum Credit Card
3.3 out of 5 stars
3.3
  • $0.00 annual fee
  • Check
    1.5% cash back or 1x point rewards
  • Check
    $300 bonus cash back or 30,000 bonus points after spending $3,000 in 3 mos.
  • Check
    Up to 99 free employee cards

If you ever end up carrying a balance from month-to-month, you need a card with a low APR―and that’s just what the Wells Fargo Platinum Credit Card offers.

Wells Fargo offers a very low starting APR on its Platinum Credit Card―the lowest of any card issuer on this list. As of this writing, the Platinum Credit Card has a starting rate just over 11%―a full 2% lower than other competitively priced cards. If you carry a sizable card balance, that lower rate could end up saving you plenty of money.

To sweeten the deal, Wells Fargo also offers a promotional APR on this card, giving you a rock-bottom 0% for nine months before you start paying its usual low APR. And for even more affordability, this card lets you avoid annual fees, employee card fees, and even foreign transaction fees.

It all adds up to make the Wells Fargo Platinum Credit Card an impressively low-cost business credit card―especially if you care about the APR.

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Honorable mentions

Business credit cards: Honorable mentions

Credit card
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
Costco Anywhere Via Business Card
Citi$0.00/$0.0015.24%/15.24%N/A
Delta SkyMiles Gold Business Card
American Express$0.00/$99.0015.74%/24.74%N/A
Ink Business Preferred
Chase$95.00/$95.0015.99%/20.99%N/A
Wells Fargo Business Secured Credit Card
Wells Fargo$0.00/$0.00Prime + 11.9%/Prime + 11.9%N/A
Business Gold Card
American Express$295.00/$295.0014.24%/22.24%N/A

Data effective 04/20/21. At publishing time, amounts, rates, and requirements are current but are subject to change. Offers may not be available in all areas.

Costco Anywhere Visa Business Card: Best for Costco members

Best for Costco members
Citi
Costco Anywhere Visa Business Card
  • X
    $0.00 annual fee
  • Check
    1–4% cash back rewards
  • Check
    No bonuses for new card members
  • Check
    3 free employee cards

Have a Costco Business Membership? Get rewarded for your Costco runs with the Costco Anywhere Visa Business Card.

The Costco Anywhere Visa rewards you for all your spending with cash back, with a little extra for Costco purchases. You get 4% cash back on gas (for the first $7,000 you spend), 3% on restaurants and travel, and 2% on all your Costco warehouse and Costco.com purchases. Everything else earns you 1% cash back. If you’re spending at Costco anyway, that 2% rate could really add up.

While this card doesn’t have an annual fee, it does require an active Costco membership (a $60 annual fee). If you’ve never found a Costco membership worthwhile before, this card probably won’t change your mind.

But if you already have that Costco card in your wallet, the Costco Anywhere Visa will let you get more rewards for your regular spending.

Delta SkyMiles Gold Business Card: Best for travel rewards

Best for travel rewards
american express logo
Delta SkyMiles Gold Business Card
  • $99.00 annual fee (waived first year)
  • Check
    1–2x miles rewards
  • Check
    70,000 in bonus points and $50 statement credit after spending $2,000 in 3 mos.
  • Check
    Free employee cards

Want travel rewards? The Delta SkyMiles Gold Business Card from American Express does them best.

The Delta SkyMiles Gold card earns you miles on all purchases. You get 2 miles for each dollar spent on shipping, dining, advertising, and Delta purchases. (Other purchases get a 1 mile per dollar rate.) But aside from earning miles, this card also gives you travel bonuses like a free checked bag on all flights, priority boarding, in-flight savings, and so on. In other words, it can make your travel cheaper and more comfortable.

Do note the annual fee ($99), though. American Express waives the fee for your first year, but you’ll have to pay it after that. For regular travelers, the Gold Business Card likely pays for itself with those miles rewards―but it never hurts to do the math.

Even with that fee, the Delta SkyMiles Gold Business Card offers plenty of travel perks that make it our favorite business credit card for travel.

An alternative with bigger rewards: Delta SkyMiles Platinum Business American Express Card

Speaking of annual fees, you can pony up $250 a year (including your first year) to get the Delta SkyMiles Platinum Business American Express Card instead.

The Platinum credit card earns more miles than the Gold version―up to three miles per dollar. And it gets you some added travel perks, like TSA Pre-Check credit and discounts on Sky Club lounges. It’s the bigger, better (and more expensive) version of the Delta SkyMiles Gold Business Card.

Chase Ink Business Preferred: Best for points rewards

Best for points rewards
JP Morgan Chase Bank Business
Chase Ink Business Preferred
  • $95.00 annual fee
  • Check
    1–3x points rewards
  • Check
    10,000 in bonus points after spending $15,000 in 3 mos.
  • Check
    Free employee cards

Prefer points to cash back or travel rewards? Check out Chase Ink Business Preferred, which offers the best points-based reward program for business cards.

With Ink Business Preferred, you’ll earn up to 3 points for each $1 you spend. Like Chase’s Ink Business Cash card, you earn more in some categories (like shipping, travel, internet, and phone) than others. Once you’ve earned enough points, you can trade them in for all kinds of rewards―including gift cards, travel, merchandise, or even cash.

Unlike other Chase Ink cards, Ink Business Preferred has an unwaivable annual fee. As with other fee-charging cards, we recommend running some numbers to see if you’ll come out ahead.

Still, for points-based rewards with flexible redemption choices, Chase Ink Business Preferred is your best business card option.

Wells Fargo Business Secured Credit Card: Best for bad credit

Best for bad credit
Wells Fargo
Wells Fargo Business Secured Credit Card
  • $0.00 annual fee
  • Check
    1.5% cash back or 1x points rewards
  • Check
    No bonuses for new cardmembers
  • Check
    10 free employee cards

If you’re looking for a secured credit card―a card that requires a collateral deposit―then we suggest you look at the Wells Fargo Business Secured Credit Card.

Like any secured credit card, this Wells Fargo credit card has low credit score requirements thanks to the collateral requirement. Mostly, approval comes down to your collateral cash deposit. The size of your deposit―not your credit history― determines the size of your credit limit. That makes this card ideal for improving your business credit score (whether you have a spotty credit history or none at all).

Even with a cash deposit, the credit limit on this secure business card maxes out at a low $25,000. You’ll probably want to upgrade to a better card with a higher credit limit once you’ve improved your credit score.

Despite its limitations, though, the Wells Fargo Business Secured Credit Card offers the best way for businesses with low credit to get a card and improve their scores.

American Express Business Gold Card: Best for big spending

Best for big spending
american express logo
American Express Business Gold Card
  • $295.00 annual fee
  • Check
    1–4x points rewards
  • Check
    90,000 in bonus points after spending $10,000 in 3 mos.
  • Check
    Free employee cards

For businesses that do a lot of spending, the American Express Business Gold Card offers excellent point-based rewards.

With the Business Gold Card, you can get up to 4x points on every dollar―a higher point-earning rate than any other card on this list. That high rate applies to two categories (such as airfare, gas stations, or restaurants) that you do the most spending in, and only for the first $150,000 in those categories. Purchases in other categories earn you 1x points.

To get those big rewards, though, you’ll have to pay a hefty $295 annual fee. That’s a big enough fee that low spenders may not end up getting much from this card, which is why we recommend it to big spenders.

But if your business does plenty of regular spending, you’ll get plenty of rewards points from the American Express Business Gold Card.

An alternative that earns more points: Business Platinum Card from American Express

Really big spender? Consider upgrading from the Gold Card to the Business Platinum Card from American Express. This card earns even more reward points―up to 5x per dollar―to really maximize your rewards.

But as you can guess, it comes with an even higher fee. You’ll have to pay $595 per year to get those 5x points―so make sure it’s worth it.

Want more options? Fund your business with a personal loan.

Business credit card FAQ

Can an LLC have a credit card?

Yes, if you’re a business owner with an LLC, you can apply for a credit card. We just recommend sticking to a business credit card for your LLC, rather than a personal credit card. Business credit cards tend to offer better rewards, they build business credit, and they simplify your business finances.

For more information, see our guide to business credit cards vs. personal credit cards.

Are business credit cards worth it?

For many business owners, it’s absolutely worth getting a business credit card.

A business card can give you flexible working capital and help smooth over cash flow issues―and it can reward you with cash back, miles, or points when you use it.

Plus, business credit cards can build your business credit history―which makes it easier to get approved for business loans in the future.

What is the best credit card for a small business?

We think Chase Ink Business Cash is the best credit card for most small businesses―but you can find more suggestions on our rankings of the best small-business credit cards.

Recap: What is the best business credit card?

Overall, Chase offers the best business credit card with the affordable, high-rewards Ink Business Cash. If that doesn’t seem like quite the right fit for your business, though, you’ve got plenty of other solid card choices.

For cheap balance transfers, you can’t top the U.S. Bank Business Cash Rewards World Elite Mastercard. If you’d like more flexibility on your credit limit, the Blue Business Cash Card gives you exactly that. Spark Cash Select offers a convenient flat-rate rewards program. And if you need the lowest interest rate, you can find that on the Wells Fargo Platinum Credit Card. Plus, our honorable mentions offer great perks and rewards too.
So no matter your business’s needs, there’s a credit card company for you.

Found the card you want? Avoid surprises in the application process by learning how to apply for a business credit card.

Methodology

We analyzed more than 30 personal and business credit cards to find the best credit cards for businesses. To get our rankings, we compared factors including annual fees, other types of fees (such as balance transfer fees and foreign transaction fees), interest rates, reward rates, and signup bonus offers. We scored and weighted these factors to get the rankings you see above.

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Chloe Goodshore
Written by
Chloe Goodshore
Chloe covers business financing and loans for Business.org. She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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