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Best Business Credit Cards 2024

Best Credit Cards for Business in May 2024

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Capital One Spark Miles for Business best for Walmart purchases

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Capital One Spark® Miles
Annual fee:
$0 intro for the first year
$95 thereafter
Regular APR:
26.24% Variable
Our Rating:
4.11
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • Intro Offer:
    • 50,000x Miles once you spend $4,500 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    26.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

    The Card's APR for both purchases and transfers is 26.24% Variable.

    The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

    Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

  • Pros:
    • Attractive sign-up bonus
    • No foreign transaction fees
  • Cons:
    • No 0% APR period
    • Annual fee after the first year
  • Benefits:
    • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • $100 Travel Credit;
    • Capital One Lounge.

    For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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Capital One® Spark Cash Plus
Annual fee:
$150 annually
Regular APR:
None *
Our Rating:
3.62
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 2% Cash Back for your business on every purchase.
  • Intro Offer:
    • $1,200 Cash Bonus once you spend $30,000 in the first 3 months.
  • Purchase Intro APR:
    None *
  • Balance Transfer APR:
    None *
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

    The Card has no APR because your balance is due in full every month.

    Earn $1,200 Cash Bonus once you spend $30,000 in the first 3 months.

    The Card's annual fee is $150.

  • Pros:
    • No foreign transaction fees
  • Cons:
    • Annual Fee
  • Benefits:
    • $1,200 cash bonus;
    • $150 cash bonus every year you spend $150,000 or more;
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 2% Cash Back on every purchase;
    • Roadside Assistance;
    • Free Employee Cards;
    • Extended Warranty;
    • $0 Fraud Liability.
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Capital One Spark Cash Select for Excellent Credit
Annual fee:
$0
Regular APR:
18.49% - 24.49% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $750 Cash bonus once you spend $6,000 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    18.49% - 24.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark Cash Select for Excellent Credit earns a $750 cash bonus once you spend $6,000 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Capital One Spark Cash Select for Excellent Credit doesn't charge an annual fee.

    The Card's APR is 18.49% - 24.49% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $750 cash bonus (once you spend $6,000 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
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Divvy Cross River Bank
Annual fee:
$0
Regular APR:
None
Our Rating:
4.04
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 2x - 7x:
    • Points on restaurants.
    • 2x - 5x:
    • Points on hotels.
    • 1.5x - 2x:
    • Points on recurring software subscriptions.
    • 1x - 1.5x:
    • Points on everything else.
  • Issuer name:
    Cross River Bank
  • Details:

    The Divvy Card is a corporate credit card.

    The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

    Points can be redeemed for travel, gift cards, statement credits or cash back.

    Read full review

  • Pros:
    • No fees
    • Rewards
  • Cons:
    • No sign-up bonus
  • Benefits:
    • Unlimited creation of virtual cards;
    • Scalable credit line;
    • Employee cards for everyone;
    • Enforceable budgets;
    • Expense reports.
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BMO Harris Bank Business Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
20.49% - 29.49% Variable
Our Rating:
4.66
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on all purchases.
  • Intro Offer:
    • 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
  • Purchase Intro APR:
    0% Introductory APR for nine months from account opening date
  • Balance Transfer APR:
    20.49% - 29.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card earns 25,000 points when you spend $3,000 within 3 months of account opening. The Card offers 1.5x points for every $1 spent on all purchases.

    The Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 9 months on purchases. In addition, there is a 0% introductory APR period for 9 months on balance transfers made within 90 days of account opening. After that, the variable APR is 20.49% - 29.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 25,000 points (when you spend $3,000 within 3 months of account opening);
    • 1.5x points for every $1 spent on all purchases;
    • Up to 25% at 40,000+ merchants;
    • Up to 20 additional cards;
    • $600 cell phone protection;
    • Extended Warranty;
    • Zero Liability;
    • Travel Assistance Services;
    • Master RoadAssist®;
    • Priceless® Cities;
    • Mastercard Easy Savings®.
Card detail
Black Hills Federal Credit Union Visa® Cash Back Business
Annual fee:
$0
Regular APR:
7.75% - 17.90% Variable
Our Rating:
4.86
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 1.5% Cash Back on everyday purchases.
  • Purchase Intro APR:
    2.90% Introductory APR for 12 months from account opening
  • Balance Transfer APR:
    7.75% - 17.90% Variable
  • Issuer name:
    Black Hills Federal Credit Union
  • Details:

    The Visa® Cash Back Business Credit Card from BHFCU doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 2.90% for both purchases and balance transfers for the first 12 months (7.75% - 17.90% Variable after that).

  • Pros:
    • No annual fee
    • No cash advance fee
    • No balance transfer fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1% Cash Back on everyday purchases;
    • Travel Accident Insurance up to $500,000;
    • Auto Rental Collision Damage Waiver;
    • Access 24/7 Card Support for a lost or stolen card, denied transactions, transaction verification, and more.
Card detail
American Express® Marriott Bonvoy Business®
Annual fee:
$125 annually
Regular APR:
20.99% - 29.99% Variable
Our Rating:
3.22
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6x Bonus Marriot Bonvoy points at Marriott per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program.
    • 4x Bonus Marriot Bonvoy points on purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
    • 2x Bonus Marriot Bonvoy points on all other purchases.
  • Intro Offer:
    • 75,000x Bonus Marriot Bonvoy points after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Marriott Bonvoy Business® Credit Card earns 75,000 points after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.

    The Card offers 6x points at Marriott, 4x points on purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Plus, earn 2x points on all other purchases.

    The Marriott Bonvoy Business® Card comes with an annual fee of $125.

    The card's APR: 20.99% - 29.99% (Variable APR).

  • Pros:
    • No foreign transaction fees
    • Hotel perks and discounts
    • Welcome offer covers the annual fee
  • Cons:
    • Low Marriott Bonvoy points value
    • Points expire
  • Benefits:
    • 75,000 points (after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership);
    • 6x points at Marriott per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program;
    • 4x points on purchases at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping;
    • 2x points on all other purchases;
    • 7% Marriott Bonvoy® Room Rate Discount;
    • Elite Night Credits;
    • Marriott Bonvoy Air+Car Transfer Program;
    • Complimentary Gold Elite Status;
    • Premium Internet Access;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • Car Rental Loss and Damage Insurance;
    • Employee Cards;
    • Extended Warranty.
Card detail
Black Hills Federal Credit Union Visa Signature® Rewards Business
Annual fee:
$0
Regular APR:
7.75% - 17.90% Variable
Our Rating:
3.78
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Point on all purchases.
  • Balance Transfer APR:
    7.75% - 17.90% Variable
  • Issuer name:
    Black Hills Federal Credit Union
  • Details:

    The Visa Signature® Rewards Business Credit Card from BHFCU doesn't charge an annual fee. The Card's APR is 7.75% - 17.90% (Variable).

  • Pros:
    • No annual fee
    • No cash advance fee
    • No balance transfer fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1x point on all purchases;
    • 24 Hour Visa Signature Concierge;
    • Auto Rental Collision Damage Waiver;
    • $1 Million Travel Accident Insurance;
    • Personal Identity Theft.
Card detail
BMO Harris Bank Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
16.49% - 25.49% Variable
Our Rating:
3.72
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for 18 months from account opening date
  • Balance Transfer APR:
    16.49% - 25.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Mastercard® Credit Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 18 months on purchases. In addition, there is a 0% introductory APR period for 18 months on balance transfers made within 90 days of account opening. After that, the variable APR is 16.49% - 25.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Save up to 25% at 40,000+ merchants;
    • Extended Warranty;
    • Zero Liability;
    • Digital Payments;
    • MasterRental®;
    • Mastercard Global Service™;
    • Master RoadAssist®;
    • Travel Assistance Services;
    • Priceless® Cities;
    • Mastercard Easy Savings®;
    • Discounts on Intuit Quickbooks and TurboTax;
    • Up to 20 additional cards;
    • $600 cell phone protection.
Card detail
Barclays Hawaiian Airlines® World Elite Business Mastercard®
Annual fee:
$99 annually
Regular APR:
21.24% - 29.99% Variable
Our Rating:
2.67
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on gas, dining and office supply store purchases.
    • 1x Miles on all other purchases.
  • Intro Offer:
    • 60,000x Bonus HawaiianMiles® after spending $2,000 on purchases in the first 90 days.
  • Balance Transfer APR:
    21.24% - 29.99% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Barclays Hawaiian Airlines® World Elite Business Mastercard® Credit Card earns 60,000 bonus HawaiianMiles® after spending $2,000 on purchases, plus earn an additional 10,000 bonus HawaiianMiles after a purchase is made on an employee card, each within the first 90 days. The Card offers 2x miles on gas, dining and office supply store purchases and 1x miles on all other purchases.

    The Hawaiian Airlines® World Elite Business Mastercard® comes with an annual fee of $99.

    The card's APR: 21.24% - 29.99% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • 60,000 bonus HawaiianMiles;
    • Up to 40,000 anniversary bonus HawaiianMiles;
    • 2x miles on gas, dining and office supply store purchases;
    • 1x miles on all other purchases;
    • 50%-off companion discount;
    • Complimentary employee cards;
    • Travel assistance services;
    • Easier expense tracking.
Card detail