10 Best Small-Business Credit Cards of 2021

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We compared fees, APR, rewards, bonuses, and more to find the top small-business credit cards.

Business.org’s pick
JP Morgan Chase Bank Business
Ink Business Cash Credit Card
3.8 out of 5 stars
3.8
$0.00 annual fee
  • Icon Pros  Dark
    Up to 5% cash back on eligible purchases
  • Icon Pros  Dark
    Intro 0% APR on purchases for 12 mos. (13.24%– 19.24% variable APR after)
Business.org’s pick
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
    Low intro APR for balance transfers
  • Icon Pros  Dark
    0% intro APR for 12 cycles (13.99%–22.99% variable APR after)
Business.org’s pick
american express logo
American Express Blue Business Cash™ Card
3.6 out of 5 stars
3.6
$0.00 annual fee
  • Icon Pros  Dark
    Flexible credit limit with Expanded Buying Power
  • Icon Pros  Dark
    0% intro APR for 12 mos. (13.24%–19.24% variable APR after)
Business.org’s pick
Capital One
Capital One Spark Cash Select for Business
3.5 out of 5 stars
3.5
$0.00 annual fee
  • Icon Pros  Dark
    Flat-rate rewards on all eligible purchases
  • Icon Pros  Dark
    0% intro APR for 9 mos. (13.99%–23.99% variable APR after)
Business.org’s pick
Wells Fargo
Wells Fargo Business Platinum Credit Card
3.3 out of 5 stars
3.3
$0.00 annual fee
  • Icon Pros  Dark
    Low ongoing purchase variable APR
  • Icon Pros  Dark
    0% intro APR for 9 mos. (Prime + 7.99%–Prime + 17.99% APR after)

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

A business credit card can offer all sorts of perks to your small business. It can help you build business credit, improve your cash flow, earn your rewards, and give your employees the ability to handle business expenses.

But which small-business credit card does all that the best? We compared more than 30 credit card options to find out. And after looking at factors like fees, interest rates, rewards, and more, we’ve found the 10 best small-business cards (plus a few more alternative choices).

Let’s find your new business credit card.

The best small-business credit cards

Compare the best small-business credit cards

Credit card
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
JP Morgan Chase Bank Business

Ink Business Cash

Chase$0.00/$0.0013.24%/19.24% variable0% intro APR on purchases for 12 mos.
US Bank

U.S. Bank Business Cash Rewards World Elite Mastercard

U.S. Bank$0.00/$0.0013.99%/22.99% variable0% intro APR for 12 cycles
american express logo

Blue Business Cash Card

American Express$0.00/$0.0013.24%/19.24% variable0% intro APR for 12 mos.
Capital One

Spark Cash Select

Capital One$0.00/$0.0013.99%/23.99% variable0% intro APR for 9 mos.
Wells Fargo

Wells Fargo Platinum Credit Card

Wells Fargo$0.00/$0.00Prime + 7.99%/Prime + 17.99% variable0% intro APR 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 to pick your business credit card

We’ve found great credit card picks for all sorts of businesses and needs, but you’ll have to figure out which one works best for your specific business.

Think about your typical credit card use, for example. Are you a big spender? Then a card with higher rewards will probably offer the most benefit―even if it comes with a higher annual fee. But if you only use your credit card for occasional business expenses, you’ll want to prioritize lower fees―even if that means lower rewards.

Likewise, consider your payment habits. If you repay your credit card in full every month, then you probably don’t need to worry too much about the APR (annual percentage rate). But if you use your credit card to tide your business over while waiting for more cash flow to come in, you may end up saving a lot of money by choosing a card with a lower APR.  

You may also want to think about other factors, like reward type (miles vs. cash vs. points), credit limit, employee card availability, welcome bonuses, credit score requirements―even foreign transaction fees.

It all comes down to how you use your business credit card and what you want to get from it.

Ink Business Cash Credit Card: Best overall small-business credit card

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

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.

For most businesses, the Ink Business Cash Credit Card offers the best credit card option.

A big reason for that? The Ink Business Cash Credit Card has great rewards. This cash back card gives you up to 5% cash back―the highest of any card on this list. Sure, that high percentage comes with some limitations. It applies only to the first $25,000 you spend on office supplies, internet, phone, or cable each year (with the year starting on your account anniversary date).

But even with those limitations, it’s hard to top that 5% rate. And you still get plenty of cash back on other purchases, too. You get 2% cash back on the first $25,000 you spend at gas stations or restaurants each year. All other purchases get you 1% cash back.

High rewards aside, the Ink Business Cash Credit Card still makes for a great card. With no annual fee, a competitive APR, free employee cards (that also earn rewards), and a nice signup bonus for new cardmembers, it would be a perfectly decent card even if you didn’t max out your 5% cash back reward.

That said, depending on your spending habits, another card on this list might end up rewarding you more (if you never spend at office supply stores and pay your internet bill by ACH transfer, for example).

But for many small businesses, Ink Business Cash Credit Card offers unbeatable rewards on top of an already solid credit card―making it our overall favorite small-business credit card.

Alternative option: Ink Business Unlimited Credit Card

If you’d prefer flat-rate rewards, you can opt for the Ink Business Unlimited Credit Card instead.

Like the Ink Business Cash Credit Card, the Ink Business Unlimited Credit Card has no annual fees, gives you free employee cards, and charges a competitive APR range.

The difference? Ink Business Unlimited Credit Card gives you 1.5% cash back on all your purchases. That can make it a better deal for businesses that don’t do much spending in the specific reward categories the Ink Business Cash Credit Card was designed for.

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: 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
  • Check
    1–3% cash back rewards
  • Check
    $500 in bonus cash back after spending $3,000 in 3 mos.
  • Check
    Free employee cards

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.

If you’re interested in a balance transfer―either to get a better APR or to consolidate your credit card debt―then we suggest U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

This card has competitive balance transfer fees. But more importantly, it offers a 0% introductory APR for 12 cycles that actually applies to balance transfers. (Most of the time, an intro APR applies only to new purchases.) So for 12 billing cycles (a whole year), you can get a 0% rate on your balance transfer and your purchases. That’s a steal of a deal. (After that, you get a 13.99% - 22.99% variable APR.)

And don’t worry―balance transfer potential aside, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® is still a great card choice. It offers up to 3% cash back, an excellent welcome bonus, and an annual cash back bonus―all with no annual fee.   

With perks like that and a great balance transfer interest rate, U.S. Bank Business Cash Rewards World Elite™ Mastercard® can work great for businesses that need balance transfers―or businesses that just need a great small-business card.

Alternative option: U.S. Bank Business Platinum Card

If you want your 0% intro balance transfer APR to last even longer, you might prefer the U.S. Bank Business Platinum Card.

With the Platinum card, you get 0% intro APR on purchases and balance transfers for 15 billing cycles―three months more than you get with the World Elite Mastercard.

And even after that period is up, the Platinum Card comes with a lower 11.99% to 20.99% variable APR. It doesn’t earn cash back rewards, though―or any rewards, for that matter―so many business owners will prefer the earning potential of the World Elite Mastercard.  

American Express Blue Business Cash™ Card: Best for flexible credit limits

american express logo
Blue Business Cash Card from American Express
3.6 out of 5 stars
3.6
  • $0.00 annual fee
  • Check
    1–2% cash back rewards
  • Check
    No signup bonus
  • Check
    Free employee cards

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.

Ever found yourself needing even a slightly higher credit limit for your business expenses? Then the American Express Blue Business Cash™ Card could be just what you need.

The American Express Blue Business Cash™ Card comes with what American Express calls Expanded Buying Power, which really just means that you can spend past your actual credit limit. Convenient, right? Sure, but Expanded Buying Power comes with some limitations. Any amount you spend beyond your credit limit has to be paid in full each month, for example―but few other cards give you such flexible cash flow.

Even if you don’t use the Expanded Buying Power often, you still get some good perks from the American Express Blue Business Cash™ Card―like a 0% intro APR for 12 months (with a 13.24%–19.24% variable APR after that), up to 2% cash back (you earn 2% on eligible purchases up to $50,000 each calendar year, then 1% on everything else), and occasional special offers with generous timelines. Plus, American Express offers instant approval in some cases. (Terms apply to all this.)

Put simply, if some credit limit flexibility would do wonders for your cash flow, the American Express Blue Business Cash™ Card offers an excellent business credit card choice.

Alternative option: Blue Business® Plus Credit Card

Prefer points to cash back? Pick American Express’s Blue Business® Plus Credit Card.

It works almost exactly like the American Express Blue Business Cash™ Card (with the same Expanded Buying Power), but the Blue Business® Plus Credit Card gives you 1 to 2x points on your spending.

With the same APR ranges, instant approval, and free employee cards, either Blue Business card has plenty to offer―it just comes down to which kind of rewards you’d rather have.

Capital One Spark Cash Select for Business: Best flat-rate rewards

Capital One
Spark Cash Select from Capital One
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

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.

You may have noticed that the cards above offer big rewards, but those rewards are limited to certain spending categories or amounts. If you want something simpler, Capital One Spark Cash Select for Business has the best flat-rate rewards.

With Capital One Spark Cash Select for Business, you get precisely 1.5% cash back on all your purchases. It doesn’t matter if it’s the first dollar you’ve spent that year or the fifty-thousandth, if you’re buying from an office supply store or a gas station―you get the same, competitive rate on all your business purchases. Sounds easier than carefully spending at the right places, doesn’t it?

And no, Capital One Spark Cash Select for Business isn’t the only flat-rate rewards card out there (in fact, we’ll show you three more in just a moment). But with no annual fee, a decent welcome offer, free employee cards (with rewards), and a fairly low starting APR, Capital One Spark Cash Select for Business stands out from other flat-rate credit cards.

Bottom line, if you want plenty of rewards without optimizing your business spending, Capital One Spark Cash Select for Business is the card for you.

Alternative options: Spark Miles Select, Spark Cash, and Spark Miles

Capital One offers several variations of its Spark business card that also offer great flat-rate rewards.

Spark Miles Select functions just like Spark Cash Select, except it earns travel rewards (1.5x miles per $1) instead of cash.

Spark Cash and Spark Miles actually earn a slightly higher flat rate (2% cash back or 2x miles, respectively). But they both have a $95 annual fee and a higher APR range. For some spenders, they could still offer the better deal―but we suggest doing the math first.

Wells Fargo Business Platinum Credit Card: 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 points 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

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.

Want a super affordable business credit card? Wells Fargo Business Platinum Credit Card fits the bill, thanks to its low purchase APR.

Wells Fargo Business Platinum Credit Card has the lowest starting purchase APR of any card on this list. While most cards start their APR ranges above 13%, the Wells Fargo Business Platinum Credit Card comes with a rate just over 11% (Prime + 7.99%). So while we don’t recommend carrying a balance on your small-business credit card, the Wells Fargo Business Platinum Credit Card offers the most affordable option for doing so.

It’s affordable in other ways too. You won’t pay an annual fee or employee card fee. Heck, Wells Fargo won’t even charge you foreign transaction fees, making this card a good choice for travellers. Oh, and you start off with an even lower introductory APR of 0% for 9 months (with an ongoing APR between Prime + 7.99% and Prime + 17.99%). Like we said―affordable.

So if you want a card with a low interest rate and few fees, Wells Fargo Business Platinum Credit Card has the low costs you’re looking for.

Honorable mention small-business credit cards

Compare runner-up website builders for small businesses

Credit card
Card issuer
Intro/ongoing annual fee
Min./max. purchase APR
Introductory APR
Get a card
Citi

Costco Anywhere Visa® Business Card by Citi

Citi$0.00/$0.0015.24%/15.24%N/A
american express logo

Delta SkyMiles® Gold Business American Express Card

American Express$0.00/$99.0015.74%/24.74%N/A
Capital One

Ink Business Preferred Credit Card

Chase$95.00/$95.0015.99%/20.99%N/A
Wells Fargo

Wells Fargo Business Secured Credit Card

Wells Fargo$0.00/$0.00Prime + 11.9%/Prime + 11.9%N/A
american express logo

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 by Citi: Best for Costco members

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

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.

Are you one of those small-business owners that makes frequent Costco runs? Then you should check out the Costco Anywhere Visa® Business Card by Citi.

This card earns you cash back, with up to a 4% rate on your first $7,000 in eligible gas purchases each year. Eligible restaurant and travel spending gets you a 3% rate, and Costco warehouse and Costo.com purchases get you 2%. So if you’re spending your money at Costco anyway, you might as well get that bonus cash back.

You do need a Costco membership (a $60 cost) to get the Costco Anywhere Visa® Business Card by Citi, though the card itself has no annual fee. As you can see, this one is really designed just for Costco members―so consider your shopping habits before applying.

For frequent Costco shoppers, though, the Costco Anywhere Visa® Business Card by Citi offers a great way to get rewarded for the warehouse purchases you’re already making.

Delta SkyMiles® Gold Business American Express Card: Best for travel rewards

american express logo
Delta SkyMiles® Gold Business American Express Card
  • $99.00 annual fee (waived first year)
  • Check
    1–2x miles rewards
  • Check
    50,000 in bonus miles and $50 statement credit after spending $2,000 in purchases with your card in your first 3 mos.
  • Check
    Free employee cards

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.

We’ve mentioned a couple cards that offer travel rewards, but the Delta SkyMiles® Gold Business American Express Card has the best travel rewards overall.

You’ll earn 1 to 2 miles on your purchases―with the 2 mile rate applying to every dollar on eligible Delta purchases, U.S. purchases for advertising in select media, U.S. shipping purchases, and spending at restaurants. (You get 1 mile per dollar spent on other eligible purchases.) But this credit card goes way beyond miles. It offers other travel rewards, like a free checked bag, priority boarding, a flight voucher, in-flight purchase savings, and more. You know, everything you need for comfortable business travel. (Yes, terms apply.)

Your Delta SkyMiles® Gold Business American Express Card won’t have an annual fee the first year, but you’ll have to pony up $99 a year after that. So as with other fee-charging cards, you may want to do some calculations before committing.

In the end, though, the Delta SkyMiles® Gold Business American Express Card offers the best travel rewards for business.

Alternative option: Delta SkyMiles® Platinum Business American Express Card

You can earn even more miles―3 per $1―with the Platinum version of the Delta SkyMiles business card. This version also gets you TSA Pre-Check credit, a companion certificate, discounted Sky Club lounge access, and more. (You know the drill―terms apply.)

That said, you have to pay a $250 annual fee for the Delta SkyMiles®Platinum Business card, so the extra perks may not be worth the extra cost.

Ink Business Preferred Credit Card: Best for points rewards

JP Morgan Chase Bank Business
Ink Business Preferred Credit Card
  • $95.00 annual fee
  • Check
    1–3x points rewards
  • Check
    100,000 in bonus points after spending $15,000 in 3 mos. from account opening
  • Check
    Free employee cards

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.

Like the flexibility of reward points? Chase’s Ink Business Preferred Credit Card has the best points rewards program for a business credit card.

Your Ink Business Preferred Credit Card lets you earn between 1 and 3 points per $1―3 points on the first $150,000 you spend on eligible purchases (shipping, advertising, internet, cable, phone, and travel), and then 1 point for all other purchases. And high point potential aside, Chase offers some of the more flexible points rewards out there. You can redeem points for cash, gift card, travel, and merchandise (through the Chase Ultimate Rewards store).

Chase’s Ink Business Preferred Credit Card does have an unwaivable annual fee, so very limited business spenders may not end up coming out ahead with this card.

But if flexible rewards points sound right for your business, Ink Business Preferred Credit Card offers an easy way to get them.

Wells Fargo Business Secured Credit Card: 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
    10 free employee cards
  • X
    No bonuses for new cardmembers

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.

Don’t have a great business credit score―or any business credit score? Working on building your business credit with the Wells Fargo Business Secured Credit Card.

As a secured card, you’ll have to make a cash deposit as collateral for this card. In fact, your credit limit will correspond directly to how much cash you offer as collateral. But because of that deposit, even businesses with no credit history or bad credit history can qualify. And as you use this card responsibly (you know, making on-time payments), it can improve your business credit score.

Note that Wells Fargo’s secured business card has a maximum credit limit of $25,000―smaller than other business cards on this list. That could be inconvenient for some spending.

Even so, the Wells Fargo Business Secured Credit Card offers the best option for businesses that need an accessible way to build their credit score.

American Express Business Gold Card: Best for big spending

american express logo
American Express Business Gold Card
  • $295.00 annual fee
  • Check
    1.5% cash back or 1x points rewards
  • Check
    1–4x points rewards
  • Check
    Free employee cards

Pay for lots of business expenses with your credit card? Do plenty of regular spending? Then your business could do well with the American Express Business Gold Card.

The Business Gold Card earns more points than any other points-based card on this list―up to 4x points for each dollar you spend. You’ll get that impressive rate on the first $150,000 you spend in two eligible categories. Your categories (like airfare, computer hardware, gas stations, restaurants, or shipping) will be whatever you spend the most on. For all other purchases, you get 1x points.

Those impressive rewards come at a cost, though. American Express charges a $295 annual fee. That’s why we recommend this card specifically to businesses that do a lot of spending―because they’re the ones that will come out ahead. 

If that describes your business, then go ahead and enjoy all the points you can earn with the American Express Business Gold Card.

Alternative option: Business Platinum Card from American Express

For even more rewards points, you can upgrade to the Platinum card. It earns up to 5x points and gets you some other travel and technology perks.

But watch out for the annual fee―this one comes with a whopping $595 charge.

Recap: What is the best small-business credit card?

The right credit card company for your business depends on your specific desires and needs, but we’ve found that the Ink Business Cash Credit Card offers the best card for most businesses (thanks to big rewards and few fees).

But you’ve got plenty of other great card options. For affordable balance transfers, the U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers a great deal. The American Express Blue Business Cash™ Card offers convenient, flexible credit limits, while the Capital One Spark Cash Select for Business simplifies things with flat-rate rewards. And if you just need an affordable card, the Wells Fargo Business Platinum Credit Card offers unbeatable APR.

Whatever card you pick, we hope you enjoy your new spending power―and the rewards and perks that come with it.

Credit cards are great, but they may not be the best kind of revolving credit for your business. Learn more about your options in our guide to business lines of credit vs. credit cards.

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Small-business credit card FAQ

What is the easiest business credit card to get?

For easy-to-get business credit cards, we recommend looking at secured business credit cards, like the Wells Fargo Business Secured Credit Card. 

A secured card requires you to put down collateral (usually money in a specific account), but even businesses with no (or poor) business credit history can qualify for them―unlike unsecured cards, which often require good or even excellent credit to qualify for.

Which bank has the best business credit card?

Chase Bank offers our favorite small business credit card, the Ink Business Cash Credit Card.

But plenty of other banks―like U.S. Bank, Wells Fargo, Citibank, and Capital One―also offer excellent business credit card choices, as you can see from our rankings.

Should I get a credit card for my LLC?

As a small-business owner, you can get quite a few benefits from getting a business credit card for your LLC. A business card gives you a convenient way to pay for business expenses, can help you tide over cash flow gaps, lets you build business credit, and can even earn you great rewards (like cash back or travel miles).

That doesn’t mean that every business needs a credit card, though. If your LLC has budget problems, for example, a credit card with a higher interest rate can easily bury you in debt. 

For most LLC small-business owners, though, we think the benefits of getting a business credit card outweigh the potential problems.

Methodology

To find the best small-business credit cards, we researched more than 30 personal and business credit cards from more than 10 different credit card issuers. We weighed several different factors, like annual fees, other fees (including cash advance fees and foreign transaction fees), promotional and ongoing APR, reward offerings and rates, and welcome bonus offers. By comparing these factors, we scored and ranked the best business credit cards.

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.

Business.org has partnered with CardRatings for our coverage of credit card products. Business.org and CardRatings may receive a commission from card issuers.

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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