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Best Credit Cards for Small Business

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Best Credit Cards for Small business in May 2022

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Divvy Cross River Bank
Annual Fee:
$0
Regular APR:
None
Our Rating:
4.04
scorer
Сredit 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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Card detail
Southwest Rapid Rewards® Performance Business Chase
Annual Fee:
$199 annually
Regular APR:
15.99% - 22.99% Variable
Our Rating:
4.16
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points for every $1 you spend on Southwest Airlines® purchases.
    • 2x Points for every $1 you spend on local transit and commuting, including rideshare services.
    • 2x Points for every $1 you spend on social media and search engine advertising, internet, cable, and phone services.
    • 1x Point for every dollar you spend on all other purchases.
  • Intro Offer:
    • 80,000x Earn 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening.
  • Issuer name:
    Chase
  • Details:

    The Southwest Rapid Rewards® Performance Business Credit Card offers 80,000 points after you spend $5,000 on purchases within the first 3 months of account opening. Plus, earn 9,000 bonus points after your Cardmember anniversary.

    Earn 4x points on Southwest Airlines purchases, 3x points on on Rapid Rewards hotel and car rental partner purchases, 2x points on local transit and commuting, including rideshare services, 2x points on social media and search engine advertising, internet, cable and phone services and 1x point on all other purchases. Plus, you can earn 10,000x bonus points for each friend or business (Refer friends program).

    The Southwest Rapid Rewards® Performance Business Credit Card comes with an annual fee of $199. The card's APR: 15.99% - 22.99% (Variable), 29.99% (Penalty APR).

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • Annual Fee
    • Extra Fees
    • No Intro APR period on purchases and transfer
  • Benefits:
    • 4x points on Southwest Airlines® purchases;
    • 3x points on Rapid Rewards hotel and car rental partner purchases;
    • 2x points on local transit and commuting, including rideshare services;
    • 2x points on social media and search engine advertising; internet, cable, and phone services;
    • 1x point on all other purchases;
    • 80,000 Points;
    • 9,000 bonus points after your Cardmember anniversary;
    • Extended Warranty Protection;
    • Employee cards;
    • Inflight WiFi Credits;
    • 4 Upgraded Boardings per year;
    • Global Entry or TSA Pre✓® Fee Credit;
    • Lost Luggage Reimbursement;
    • Baggage Delay Insurance.
Card detail
TD Bank Business Solutions
Annual Fee:
$0
Regular APR:
13.99% - 23.99% Variable
Our Rating:
3.61
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on purchases.
  • Intro Offer:
    • $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening.
  • 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 $400 Cash Back in the form of a statement credit when you spend $3,000 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 13.99% - 23.99% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $400 Cash Back in the form of a statement credit (when you spend $3,000 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
Сredit 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:
18.24% Variable
Our Rating:
2.37
scorer
Сredit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1x Mile per $1 spent on purchases.
  • Intro Offer:
    • 5,000x Bonus miles for your first qualifying purchase.
  • 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 18.24% 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
Navy Federal Credit Union GO BIZ Rewards Visa® Business
Annual Fee:
$0
Regular APR:
9.15% - 17.15% Variable
Our Rating:
4.39
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Points per dollar spent on eligible net purchases.
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal GO BIZ Rewards Visa® Business Credit Card is designed to help keep your business moving forward. The Card has no annual fee.

    The Navy Federal GO BIZ Rewards Visa® Business features contactless technology, so you can make purchases quickly.

    The Navy Federal GO BIZ Rewards Visa® Business offers 1x points per dollar spent on eligible net purchases and up to 15% on qualifying business purchases from participating merchants.

    The Card's APR is 9.15% - 17.15% (Variable for purchases and transfers).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • No earnings cap
    • Low APR
  • Cons:
    • Extra Fees
    • No intro APR period
  • Benefits:
    • 1x points per dollar spent on eligible net purchases;
    • Up to 15% on qualifying business purchases from participating merchants;
    • Multiple cardholders available;
    • Zero Liability policy.
Card detail
Business Gold American Express
Annual Fee:
$295 annually
Regular APR:
14.49% - 22.49% Variable
Our Rating:
2.74
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on the 2 select categories where your business spent the most each billing cycle. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year (1X point per dollar thereafter).
    • 1x Points on other purchases.
  • Intro Offer:
    • 80,000x Earn 80,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Business Gold Card earns 80,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

    Get 4x Membership Rewards® points on the 2 categories where your business spent the most each billing cycle (4x points applies to the first $150,000 in combined purchases from these 2 categories each calendar year, 1x points thereafter), plus earn 1x on other purchases.

    The American Express® Business Gold Card comes with a $295 annual fee. The Card's APR: 14.49% to 22.49% (Variable).

    The American Express® Business Gold Card offers travel and protection benefits.

  • Pros:
    • No Foreign Transaction Fee
    • Travel benefits
  • Cons:
    • Annual Fee
    • No Intro APR period
    • Balance transfers and cash advances are not available
  • Benefits:
    • 80,000 Membership Rewards® Points;
    • 4x Membership Rewards® points (2 business categories);
    • 1x Membership Rewards® points on other purchases;
    • 25% Airline Bonus;
    • Extended Warranty;
    • Relationship Care® Service;
    • Employee Cards;
    • The Hotel Collection;
    • Global Assist® Hotline;
    • Baggage Insurance Plan;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay Insurance;
    • Terms Apply.
Card detail
Divvy Credit Builder Cross River Bank
Annual Fee:
$0
Regular APR:
None
Our Rating:
1.88
scorer
Сredit score
No Credit History to Poor (0-579)
  • 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:

    Use Credit Builder to grow your credit and build your way up to an unsecured credit line with Divvy.

    The Divvy Credit Builder 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.

  • Pros:
    • Easy online application
    • Rewards
    • No fees
  • Cons:
    • No sign-up bonus
  • Benefits:
    • Secure virtual cards;
    • Seamless software integration;
    • Track spend in real time from anywhere.
Card detail

Capital One Spark® Miles best for Walmart purchases

Capital One Spark® Miles
Annual Fee:
$0 intro for the first year $95 thereafter
Regular APR:
20.99% Variable
Our Rating:
4.33
scorer
Сredit score
Excellent (740-799)
  • 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 Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark® Miles for Business 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.

    There also isn’t a 0 percent intro APR for purchases or balance transfers. The card's APR for both purchases and transfers is 20.99%.

    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:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 50,000 bonus miles;
    • $0 Fraud Liability;
    • $100 Travel Credit.
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
Сredit 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