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Travel miles, reward points, and cash back—oh my! The reward programs for business credit cards can feel as tempting as sugary breakfast cereal on a weekend. If you’re a small business owner, a business credit card can be a game-changer. Not only can it help you build a solid credit history, but it also keeps your business and personal expenses separate while helping you manage cash flow. But with so many options out there, how do you find the best business credit card for your needs?
To make it easier for you, we’ve done the research. Here’s our roundup of the 8 best business credit cards in the United States to help you choose the right one for your business!
8 best business credit cards for you
American Express® Business Gold Rewards Card
- Best for: Established businesses seeking flexible rewards.
- Card type: Charge card
- Rewards: 3X points on one specified category (airfare, advertising, fuel, shipping, or computer hardware/software) | 2X points on remaining categories (up to the first $100,000 spent) | 1X on all other purchases.
- Annual fee: $175 (free for the first year)
- Welcome offer: 50,000 points after spending $5,000 in the first 3 months.
Capital One Spark Classic for Business
- Best for: Businesses needing a basic cash back card.
- Card type: Credit card
- Rewards: Unlimited 1% cash back.
- Annual fee: None
Chase Ink Business CashSM
- Best for: Flexible cash back rewards.
- Card type: Credit card
- Rewards: 5% cash back at office supply stores and on internet, cable, and phone services | 2% cash back on gas and restaurant purchases | 1% on all other purchases.
- Annual fee: None
- Welcome offer: $500 cash back after spending $3,000 in the first 3 months.
Chase Ink BusinessSM Preferred
- Best for: Businesses with significant advertising needs.
- Card type: Credit card
- Rewards: 3 points per $1 on the first $150,000 spent on travel, shipping, internet, cable, phone services, and advertising.
- Annual Fee: $95
- Welcome offer: 80,000 bonus points after spending $5,000 in the first 3 months.
Bank of America® Business Advantage Travel Rewards
- Best for: No annual fee and no personal guarantee.
- Card type: Credit card
- Rewards: 3 points on travel booked through the Bank of America Travel Center | 1.5 points on all other purchases.
- Annual fee: None
- Welcome offer: 25,000 bonus points after spending $1,000 in the first 60 days.
SimplyCash® Plus
- Best for: High cash-back rewards with no annual fee.
- Card type: Credit card
- Rewards: 5% cash back on office supplies and mobile services | 3% on an expense category of your choosing | 1% on all other purchases.
- Annual Fee: None
Bank of America® Business Advantage Cash Rewards
- Best for: Earning cash back on common expenses.
- Card type: Credit card
- Rewards: 3% on gas and office supply store purchases (max $250,000 annually) | 2% on restaurant purchases | 1% on all other purchases.
- Annual fee: None
- Welcome offer: $200 statement credit after $500 in net purchases in the first 60 days.
Blue Business® Plus Credit Card from American Express
- Best for: Business card for new businesses
- Card type: Credit card
- Annual fee: $0
- Rewards: Earn 2X points on the first $50,000 in purchases each year, then 1X points on everything after that.
- Welcome Offer: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases within the first 3 months.
- Finding the right business credit card for your growth
Choosing the right business credit card isn’t just about getting rewards points or cash back—it’s about finding a financial tool that truly fits your business needs and growth plans. The right card can streamline your expenses, help you manage cash flow, and offer perks that align with your goals, whether that’s travel rewards, low interest rates, or valuable cashback on everyday purchases.
As a business owner, consider your spending habits: Are you frequently traveling, stocking up on office supplies, or investing in digital advertising? Do you need flexibility with credit limits, or perhaps access to premium services like airport lounges or expense management tools? Understanding where your money goes and what benefits you value most can make all the difference.
Each card we’ve covered brings something unique to the table, whether it’s a no-annual-fee option for startups, robust travel perks for growing companies, or high cashback rates for those who want to maximize every purchase. Take the time to evaluate what your business needs now—and where you plan to be in the future—so that your credit card can work just as hard as you do in reaching your business goals.
