Best Credit Cards for Small Business Owners


Money Matters

Oct, 24 2017

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Every dollar you earn and spend matters when you are a small business owner. Using a business credit card is a smart move that can boost your bottom line with cash-back and airline rewards, or provide access to much-needed capital to help your business grow.

Banks designed credit cards with unique features for small business owners just like you. Business cards usually come with higher credit limits than personal cards, rewards on business related spending and unique financing options.

Whether you are solo entrepreneur or a small business owner with dozens of employees, these business credit cards can help you meet your goals.

We’ve done the research, these are the best small business credit cards. Read our reviews below. Compare cash-back, airlines miles or 0% introductory APR and apply for a new card to help your business thrive today.

Top Small Business Credit Cards

Ink Business Cash℠ Credit Card

Best for cash back at office supply stores, cellular phone, landline and internet with no annual fee.

Get the best ROI on your small business spending at office supply stores, cellular phone, landline, internet and cable TV services with this card. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

If your small business has a big purchase to make, take advantage of intro APR 0% for 12 months. Get employee cards at no additional cost. Set and change individual spending limits any time. You’ll earn rewards for their spending too. The Ink Business Cash℠ Credit Card was named "A Great Card for Small Businesses" by Kiplinger's Personal Finance. It’s simplicity and high-rate of cash-back rewards make it an easy choice with no annual fee.

Who should apply: Small business owners who spend at office supply stores, gas stations, restaurants and on cell phone, landline, internet and cable TV services can earn a high rate of cash-back. Earn rich rewards by paying for your expenses with this card.

The Blue Business℠ Plus Credit Card from American Express

Best for financing: lengthy 0% intro APR and option to spend above your credit limit.

Grow your business with the powerful financing features on this card. The Blue Business℠ Plus Credit Card from American Express offers one of the longest 0% intro APR periods on a business credit card with 0% for 15 months. If you need to make a big inventory or equipment purchase, this card allows you to float that debt interest-free for over a year, while earning generous rewards on all your spending.

American Express made headlines when it rolled out this offer that pays 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. There are no category restrictions. This a compelling rate for a $0 annual fee card. Rely on this card’s unique financing features to cover unexpected business expenses. Move fast on new growth opportunities with more buying power for your small business. This card offers the flexibility to buy above your credit limit and earn valuable points along the way.

Who should apply: Small business owners who want powerful financing features. Enjoy one of the longest 0% intro APR periods available on purchases and balance transfers and expanded buying power with this card. If your credit isn’t perfect, don’t worry. This card is aimed at those with excellent/good credit.

Capital One® Spark® Cash for Business

Best flat rate cash rewards: unlimited 2% cash back on every purchase, every day and a big cash sign-up bonus.

Boost your bottom line with 2% cash back on every purchase, every day. This card boasts one of the best sign-up bonuses available. You earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Rewards won't expire for the life of the account.

This is one of the highest paying flat rate cash cards available for small business owners. Earn unlimited cash back on every purchase, every day. The annual fee is $0 intro for first year; $95 after that.

Who should apply: Small business owners who want a high rate of cash-back on all their business spending, with no category restrictions. This is an easy to use card, so you can focus on what matters most – building your business.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Best cash-back on gas, plus an industry-high rate on other business spending with a $0 annual fee.

If your small business spends at gas stations, office supply stores and restaurants, this card can generate significant cash rewards. The 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% cash back on purchases at restaurants, 1% cash back on all other purchases can add up fast.

The high annual cap makes this an especially valuable card for small business owners who drive for work, have a fleet of vehicles, or buy a lot of office supplies. Start with a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening., which is a relatively low spend target to get the sign-up bonus. If you face a short-term cash crunch, this card comes with intro APR 0% for 9 billing cycles, then 12.24% - 22.24% variable apr. The $0 annual fee means you won’t pay an annual fee for card membership.

Who should apply: If you drive for work, or run a small business with multiple vehicles that you are filling with gas, pump up cash rewards with this card. Other cards also offer gas station and office supply rewards. But Bank of America® Business Advantage Cash Rewards Mastercard® credit card towers above the crowd with its massive annual cap on combined gas station and office supply purchases. If your small business spends big in these categories, you could earn over three times as much cash back with this card due to the high annual cap.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Best flexible travel rewards with big sign-up bonus and $0 annual fee.

Earn travel rewards fast for your small business with this card that delivers 1.5 rewards points for every $1 on all purchases. Redeem those points for a statement credit for flights, hotels or rental cars or baggage fees with this flexible rewards program, with no blackout dates. Enjoy a 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening. If you want financing flexibility for your small business, this card comes with 0% for 9 billing cycles then 12.24% - 22.24% variable apr.

If your business takes you abroad, you won’t pay any foreign transaction fees with this $0 annual fee card. Travel worry-free with benefits including travel accident insurance, lost luggage reimbursement, trip cancellation coverage and trip delay reimbursement.

Who should apply: If you want to earn unlimited travel rewards on all purchases, this card goes the extra mile for your small business. Offset or cover the cost of future trips with the powerful travel rewards generated on this card.

How to Apply

Take your business to the next level and apply for one of these top business credit cards. You’ll need to answer a few simple questions about your business when you apply. Small business owners may need their EIN or business tax ID (or Social Security number for sole proprietors), the legal business name and structure, and the date the business was formed. Don’t have that handy? Bookmark this page while you gather the information you need to apply.