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Erika’s Picks for Best Business Credit Cards
- Best for earning miles:
Capital One Venture X Business - Best for luxury travel perks:
The Business Platinum Card® from American Express - Best for unlimited cashback:
Ink Business Unlimited® Credit Card - Best for office supplies:
Ink Business Cash® Credit Card - Best for elevated cashback:
American Express Blue Business Cash™ Card - Best for new businesses:
Capital One Spark 1% Classic
If you run your own business, you’re going to want a business credit card. Having a business card that’s separate from your personal card makes it easier to keep those finances separate. Plus, some business credit cards come with benefits like cashback and travel perks.
Before you decide which business credit card to get, figure out your business needs. Estimate your level of spending, your highest categories of spending, and the most useful rewards for you.
To help you choose, here are our picks for the best business credit cards for different needs and different types of entrepreneurs.
Best for Earning Miles
Capital One Venture X Business
Rewards Rate
- 10x on hotels and rental cars booked through Capital One's travel booking site
- 5x on flights and vacation rentals booked through Capital One's travel booking site
- 2x miles on every purchase
Welcome Offer
For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
Annual Fee
$395
If you’re a frequent business traveler but don’t need all the bells and whistles of the Amex Platinum, check out the Capital One Venture X Business. This is a particularly good card if you plan to redeem your rewards in the form of airline miles.
This card offers unlimited double miles per dollar on purchases, and you also get an excellent elevated rewards earning rate on hotels and rental cars booked through Capital One Travel.
Your annual fee for the Venture X Business falls about halfway between the no-fee cards and luxury business cards, but you’ll still find competitive rewards and travel perks.
It’s likely best for you if your business has a high annual spending threshold (look at the minimum spend for the sign-up bonus to determine whether the card will be worth it to you).
Travel perks include:
- TSA PreCheck® or Global Entry
- Access to over 1,300 airport lounges worldwide
- $300 annual travel credit for bookings made through Capital One's travel booking site
- 10,000 annual bonus miles on your cardholder anniversary
It’s a pay-in-full card, meaning you’re required to pay the balance in full every month — you can’t carry a balance like with a traditional credit card. This may be a feature you want as an incentive to ensure you don’t get into business debt or have to pay late fees.
Like other business credit cards, the Capital One Venture X Business offers auto-payment options, $0 fraud liability, year-end summaries, and virtual card numbers.
This card stands out as one of the best for earning miles, since you can earn the same 2x miles rewards on all purchases, without limits. You also earn higher rates on flight, hotel, and rental car purchases through Capital One Travel.
But what really makes the Venture X Business stand out is that you can redeem the miles you earn in several ways. Of course, you can use the miles for flights, but you can also redeem for hotels and vacation rentals, with no blackout dates or restrictions.
All in all, it’s a solid rewards card with an annual fee you can easily recoup, especially if you plan to use the card for Capital One Travel purchases.
Best for Luxury Travel Perks
The Business Platinum Card® from American Express
Rewards Rate
- 5x points on flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com
- 1.5x points on eligible purchases of over $5,000
- 1.5x points on certain business expenses including electronic goods retailers
- 1x points on other eligible purchases
Welcome Offer
Limited Time Travel Offer! Earn 150,000 Membership Rewards® points after you spend $20,000 within the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel within the first 3 months. You can earn one or both of these offers. Offer ends 6/30/25.
Annual Fee
$695 (rates and fees)
For established businesses that can sustain higher levels of spending, The Business Platinum Card® from American Express offers a lot of luxury benefits. In particular, the card is excellent if you do a lot of business travel and want to enjoy perks that make it more enjoyable and convenient.
Though the annual fee is significant, it’s hard to find a credit card with better rewards potential for business owners. A number of statement credits can easily offset your annual fee, provided you’ll take advantage of those programs and products.
Statement credits available include:
- Up to $360 annual statement credit (up to $90 quarterly) for Indeed.com purchases (enrollment required)
- Up to $150 statement credit for eligible annual prepaid business plan purchases of Adobe Creative Solutions (enrollment required)
- Up to $120 statement credit for wireless telephone service purchases made directly with a wireless provider in the U.S. (enrollment required)
- Up to $200 airline fee credit with one qualifying airline
- $199 CLEAR® Plus statement credit
- Up to $200 Hilton statement credit (enrollment required)
The Business Platinum Card® from American Express offers excellent rewards for business travel, alongside all its travel bonuses, like airline credits and hotel elite status.
The card has a high annual fee, but it compensates for that with a lucrative rewards system. On top of the base rewards rate, you earn an elevated rate on certain business-related purchases and higher dollar amount purchases (on up to $2 million per year).
If you use AmexTravel.com to book flights and hotels, that’s where you’ll earn your maximum rewards rate — making it ideal for frequent business travelers looking for a bit of luxury.
Best for Unlimited Cashback
Chase Ink Business Unlimited® Credit Card
Rewards Rate
- Unlimited 1.5% cashback on every purchase made for your business
Welcome Offer
Earn $750 bonus cashback after spending $6,000 in the first 3 months
Annual Fee
$0
While some business cards come with a hefty annual fee, the Ink Business Unlimited® Credit Card provides exciting benefits with no annual fee. It earns a slightly elevated rate on all purchases with no limits.
The sign-up bonus is one of the best, with a fairly reasonable minimum spend and a high cash value.
Other benefits include:
- Primary auto rental coverage when you decline the rental company’s coverage
- Purchase protection for up to 120 days from date of purchase, up to $10,000 in theft or damage
- Extended warranty protection of an additional year on policies of three years or less
- Flexible rewards redemption options, including cash, travel purchases, Apple® Ultimate Rewards store, and gift cards
- Free employee cards, so you can boost your earning potential with multiple employees accessing the card
The Ink Business Unlimited® Credit Card card doesn’t charge an annual fee and still provides ongoing, unlimited rewards-earning potential. This makes it an extremely versatile and hands-off business card, since you don’t need to keep track of different spending categories or limits.
No fee means no stressing over whether you’re wringing enough value from the card year after year. You can also take advantage of a valuable sign-up bonus if you meet the minimum spend requirement.
Best for Office Supplies
Ink Business Cash® Credit Card
Rewards Rate
- 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% on everything else (unlimitied)
Welcome Offer
Earn up to $750 bonus cashback: $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 in the first 6 months after account opening
Annual Fee
$0
If you put a decent amount of your business budget toward office supplies, a great card for you may be the Ink Business Cash® Credit Card.
You'll earn 5% cashback at office supply retailers as well as on payments to internet, cable, and phone service providers. However, note that this does have an annual limit of $25,000 in combined purchases.
If you conduct a lot of business over meals, you can get 2% cashback at restaurants and gas stations with this card as well.
After meeting the annual limit on the higher rates, you’ll still earn — you’ll just revert back to the base 1% rewards rate.
Other benefits include:
- No cost for employee credit cards
- Flexible rewards redemptions
- Auto rental coverage — primary coverage (if used for business) up to $60,000 for qualifying rental cars
- Purchase protection from damage or theft for up to 120 days and $10,000 per item
- Extended warranty for up to one additional year
The Ink Business Cash® Credit Card, like the Ink Business Unlimited, has no annual fee and a nice welcome bonus. But Ink Business Cash will serve you better if you have a fair amount of spending on gas, restaurants, office supplies, and internet and phone services.
Some business owners would rather boost their rewards earnings in specific categories, so if that’s your preference, this is your better option.
This is also a great card if you already have another business credit card that rewards travel spending or provides travel perks, and you want to round out your business card options for other categories.
Best for Elevated Cashback
American Express Blue Business Cash™ Card
Rewards Rate
- 2% cashback on all eligible purchases on up to $50,000 per calendar year (1% after)
- 1% cashback automatically credited to your statement after the first $50,000 spent per calendar year
Welcome Offer
Earn a $250 statement credit after you make $3,000 in purchases in your first 3 months.
Annual Fee
The main perk of the American Express Blue Business Cash™ Card is that you can earn a flat 2% rate of rewards on all your spending — no categories to keep track of.
You get this with no annual fee, and although the rate bumps down to 1% after $50,000, it may still be best for you if your spending is around that mark.
Other benefits include:
- Car rental loss and damage insurance (secondary coverage)*
- Global Assist® Hotline with access to various emergency and medical services while traveling*
- Extended warranty protection for up to one additional year on warranties of 5 years or less*
- Purchase protection for up to 90 days from date of purchase*
* Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Although the American Express Blue Business Cash™ Card is similar to the Ink Business Unlimited in that it doesn’t charge an annual fee, you can earn a higher rate on up to your first $50,000 in purchases. This makes it an excellent card for businesses with lower annual expenses.
By comparison, the Capital One Spark Cash Plus charges an annual fee that is refundable, but only if you meet a fairly high annual spending threshold.
Best for New Businesses: Capital One Spark 1% Classic
Capital One Spark 1% Classic
Rewards Rate
- 5% cashback on hotels and rental cars booked through Capital One Travel
- Unlimited 1% cashback on every purchase
Welcome Offer
None
Annual Fee
$0
Consider the Capital One Spark 1% Classic card if you’re a fairly new business and need to build your business credit.
While it doesn’t offer a sign-up bonus or pay as high of a rewards rate as some other cards, it still gives you a good base rate of rewards on all business purchases. Plus, if you travel for work, hotel and rental car purchases earn a higher rewards rate. All rewards are unlimited and never expire.
Perhaps most importantly, if your business is new, the Spark 1% Classic enables you to build your credit history. Consistent on-time payments will establish and gradually improve your credit, making it easier for you to secure financing or sign up for more lucrative rewards cards in the future.
Some other features include zero fraud liability, an automatic payment option, and virtual card numbers.
For newer businesses, it can be tough to access credit. But the Capital One Spark 1% Classic is tailored to those just starting out, so you’ll have a better chance of qualifying for this card than many other business credit cards.
While not flashy in terms of perks, it does pay a solid rewards rate on all business purchases (no limits or category restrictions). There’s also no annual fee, making it an ideal starter card.
If your focus is on building credit while earning steady rewards (and you’re not worried about extra perks), the Spark 1% Classic is a solid option.
How To Choose a Business Credit Card
When you’re selecting a business credit card, consider the typical factors like interest rate, annual fee, welcome bonus, and rewards.
But since this is for your business, you also need to factor in your typical business expenses. Do you need free cards for employees that allow you to set spending limits? Will a large percentage of your purchases be at gas stations, travel, office supplies, business consulting, or other types of spending?
If you have some business debt, an introductory 0% APR could be helpful for getting your books back in order.
You might even benefit from one business credit card for hotels or airlines and another for general purchases and cash rewards.
Choosing the best business credit card means evaluating your business’s current spending needs and the most useful rewards.
Pros and Cons of Business Credit Cards
Business credit cards can help you grow your business and keep your personal expenses out of your company budget, but there are some cons to consider.
Pros
- Build business credit
- Manage and monitor company expenses
- Short-term cash availability
- Earn cashback or other rewards
- Easy to access records at tax time
Cons
- Good or excellent credit may be required
- Potential to rack up debt
- Interest charges may be high if not paid in full
- May briefly impact your personal credit score
Bottom Line: Should You Get a Business Credit Card?
If you have your own business or are planning to start one, it’s a smart move to get a business credit card. This can help you to better separate your business costs from your personal costs.
Plus, you can get business-specific perks like access to accounting programs, upgraded travel perks, and cashback on ongoing business costs like shipping and internet use.
Just remember that this is your business card and you don’t want to start using it for your personal spending. Not only could this muddy up your expenses come tax time, but you could end up losing track of your personal budget.
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