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Best Business Owners credit cards 2022

Compare credit cards for Business Owners on Myfin.us.

Best Credit Cards for Business owners in November 2022

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The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
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Card detail
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.
View all Divvy details
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On Cross River Bank‘s site
Card detail
Chase Ink Business Premier℠
Annual fee:
$195 annually
Regular APR:
17.24% - 25.24% Variable
Our Rating:
4.12
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2.5% Cash Back on every purchase of $5,000 or more. That's $250 on a purchase of $10,000 when redeemed.
    • 2% Cash Back on all other business purchases.
  • Intro Offer:
    • $1,000 Bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening.
  • Issuer name:
    Chase
  • Details:

    The Chase Ink Business Premier℠ Credit Card earns $1,000 bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening. The Card offers 2.5% Cash Back on every purchase of $5,000 or more, 2% Cash Back on all other business purchases.

    The Card's APR: 17.24% - 25.24% (Variable).

    The Ink Business Premier℠ Card has an annual fee of $195.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • $1,000 Bonus Cash Back (after you spend $10,000 on purchases in the first 3 months after account opening);
    • 2.5% Cash Back on every purchase of $5,000 or more;
    • 2% Cash Back on all other business purchases;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Roadside Dispatch;
    • Cell Phone Protection;
    • Employee cards.
Card detail

Emigrant Bank Brex for Startups best for Without SSN

Brex Card for Startups Emigrant Bank
Annual fee:
$0
Regular APR:
None
Our Rating:
2.06
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 8x Points on rideshare, including Uber, Lyft, taxi, and scooter.
    • 5x Points on flights and hotels booked through Brex Travel.
    • 4x Points on restaurants.
    • 3x Points on recurring software like Salesforce, Zendesk, Twilio, and more.
    • 1x Points on everything else.
  • Issuer name:
    Emigrant Bank
  • Details:

    If you’re a new startup or small business owner looking to build your business’ credit history and earn significant rewards on business-related purchases, the Brex Corporate Card was made for you.

    Get discounts on top services to run your company. Compared to an average of $500 in typical business credit card bonuses, Brex partner offers total $150,000 in value. Redeem anytime.

    With the Brex Corporate Card, you’ll earn 8x points on rideshares, 5x on travel booked through Brex, 4x on restaurants, 3x on recurring software and 1x on everything else. Points can be redeemed for statement credit or travel via Brex’s travel portal.

    Credit limits 10-20x higher than traditional small business corporate cards.

    This a charge card, so you’ll have to pay your balance in full each month. To qualify, you’ll need a $100,000 bank balance.

    Under the rideshare category, your small business or startup can earn points for Uber, Lyft, taxi rides and more. The recurring software category rewards you for monthly subscriptions like GitHub and Slack.

    You won’t be charged an annual fee, but there isn’t a welcome bonus or introductory APR offer. The card is, though, part of the Mastercard network, meaning you can expect widespread acceptance.

  • Pros:
    • No personal guarantee required
    • Irrelevant and unaffected personal credit
    • Startups tailored rewards program
    • Dynamic credit limits
    • No annual Fee
    • No foreign transaction fees
  • Cons:
    • Charge card
    • Tech industry oriented
    • High amount of funds required to qualify
  • Benefits:
    • Partner perks;
    • Build business credit;
    • Brex Travel portal;
    • Instant onboarding and virtual cards;
    • Manage your business anywhere;
    • Receipts match automatically;
    • Pairs with Brex Cash;
    • Built-in expense tools and integrations;
    • Live support in 2 minutes.
Card detail
American Express® Delta SkyMiles® Gold Business
Annual fee:
$0 intro annual fee for the first year
$99 for the rest years
Regular APR:
19.49% - 28.49% Variable
Our Rating:
3.49
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 2x Miles at Delta.
    • 2x Miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media.
    • 1x Miles on all other purchases.
  • Intro Offer:
    • 50,000x Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Delta SkyMiles® Gold Business American Express® Credit Card earns 50,000 bonus miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.

    The Delta SkyMiles® Gold Business Card offers 2x miles at Delta, 2x miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media, 1x mile on all other purchases.

    The Delta SkyMiles® Gold Business Card has a $0 introductory annual fee for the first year, then $99.

    The Card's APR on Purchases: 19.49% - 28.49% Variable APR, Penalty APR: 29.99%.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • Balance transfers are not available
    • High APR
  • Benefits:
    • 50,000 bonus miles (after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership);
    • 2x miles at Delta;
    • 2x miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media;
    • 1x mile on all other purchases;
    • $100 Delta Flight Credit;
    • 20% In-Flight Savings;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Employee Cards;
    • Extended Warranty.
Card detail
Barclays Bank Delaware JetBlue Business
Annual fee:
$99 annually
Regular APR:
18.24% - 27.24% Variable
Our Rating:
3.53
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 6x Points on eligible JetBlue purchases.
    • 2x Points at restaurants and office supply stores.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after spending $2,000 on purchases in the first 90 days, and earn an additional 10,000 bonus points after a purchase is made on an employee card.
  • Balance Transfer APR:
    18.24% - 27.24% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The JetBlue Business Credit Card offers 60,000 bonus points after spending $2,000 on purchases in the first 90 days. Earn an additional 10,000 bonus points after a purchase is made on an employee card.

    The JetBlue Business Card offers 6x points on eligible JetBlue purchases, 2x points at restaurants and office supply stores and 1x points on all other purchases.

    The Card's annual fee is $99. The APR for purchases and balance transfers is 18.24% - 27.24%.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • Up to 70,000 bonus points;
    • 5,000 bonus points every year after your account anniversary;
    • 6x points on eligible JetBlue purchases;
    • 2x points at restaurants and office supply stores;
    • 1x points on all other purchases;
    • Free first checked bag for you and up to 3 companions;
    • 50% savings on eligible inflight purchases;
    • $100 statement credit after purchasing a JetBlue Vacations package;
    • Mosaic benefits;
    • $0 Fraud Liability;
    • Employee cards at no extra cost.
Card detail
American Express® Lowe’s Business Rewards
Annual fee:
$0
Regular APR:
19.49% - 28.49% Variable
Our Rating:
4.41
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back at Lowe's.
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $100 Back upon approval. Cash Back is earned automatically as a statement credit.
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.
  • Issuer name:
    American Express®
  • Details:

    The Lowe’s Business Rewards Credit Card earns a $100 back upon approval (statement credit) and 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.

    The Card earns 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services and 1% Cash Back on other purchases.

    The Lowe’s Business Rewards Card doesn't charge an annual fee. The APR for purchases is 19.49% - 28.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • $100 back upon approval (statement credit);
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months;
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services;
    • 1% Cash Back on other purchases;
    • Lowe's ProServices;
    • Employee Cards;
    • Extended Warranty.
Card detail
TD Bank Business Solutions
Annual fee:
$0
Regular APR:
15.49% - 25.49% Variable
Our Rating:
3.51
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on purchases.
  • Intro Offer:
    • 250% Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Balance Transfer APR:
    15.49% - 25.49% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Bank Business Solutions Credit Card earns 1% Cash Back on purchases. Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account. Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

    The TD Bank Business Solutions Card doesn't charge an annual fee. The APR for purchases and balance transfers is 15.49% - 25.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $250 Cash Back in the form of a statement credit (when you spend $1,500 within the first 90 days);
    • 1% Cash Back on purchases;
    • 1% Cash Back when you redeem into an eligible TD Bank Deposit Account.
Card detail
WebBank Capital on Tap Founder Rewards Business Visa®
Annual fee:
$0
Regular APR:
24.99%
Our Rating:
3.62
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on all eligible purchases.
  • Intro Offer:
    • $200 Get $200 back if you spend $15,000 in your first 3 months.
  • Issuer name:
    WebBank
  • Details:

    The Capital on Tap Founder Rewards Business Visa® Credit Card offers the opportunity to earn 1.5% Cash Back on all eligible purchases. Get $200 back if you spend $15,000 in your first 3 months.

    The Capital on Tap Founder Rewards Business Visa® doesn't charge an annual fee. The APR for purchases is 24.99%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Balance transfers are not available
  • Benefits:
    • $200 back if you spend $15,000 in your first 3 months;
    • Unlimited free 1.5% Cash Back;
    • Credit limits up to $50,000;
    • Unlimited cards for your company.
Card detail
First National Bank of Omaha ANA U.S.A. Visa®
Annual fee:
$70 annually
Regular APR:
20.24% Variable
Our Rating:
2.25
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1x Mile per $1 spent on purchases (such as at restaurants and online stores).
  • Intro Offer:
    • 5,000x Bonus miles for your first qualifying purchase.
  • Balance Transfer APR:
    20.24% Variable
  • Issuer name:
    First National Bank of Omaha
  • Details:

    The ANA U.S.A. Visa® Credit Card is a business airline rewards card. The card earns 1 mile per $1 spent on purchases, such as at restaurants and online stores. You will receive 5,000 bonus miles for your first qualifying purchase.

    The ANA U.S.A. Visa® comes with an annual fee of $70. The APR for purchases and balance transfers is 20.24% Variable.

  • Pros:
    • No penalty fees
    • No rewards limit
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
    • No Intro APR period
  • Benefits:
    • 5,000 bonus miles for your first qualifying purchase;
    • 1 mile per $1 spent on purchases;
    • Extra Flight Bonus Miles;
    • Less Requirements toward ANA Bronze member status;
    • Priority Check-In;
    • 10% off on ANA in-flight purchases;
    • 10% off at duty free shops at the airport;
    • Discounts at ANA Hotels and ANA - IHG co-branded hotels;
    • 5% off while shopping at ANA Group airport shops;
    • Access to ANA Group discounts and Benefits;
    • FICO® Score for free.
Card detail