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Best Credit Cards for Small Business

Compare credit cards for Small Business on Myfin.us.

Best Credit Cards for Small business in February 2023

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Capital One Spark Miles for Business best for Walmart purchases

Capital One Spark® Miles
Annual fee:
$0 intro for the first year
$95 thereafter
Regular APR:
25.24% Variable
Our Rating:
4.15
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 Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    25.24% 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 25.24% 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.
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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:
    • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 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 up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

    The Card's annual fee is $150.

  • Pros:
    • No foreign transaction fees
  • Cons:
    • Annual Fee
  • Benefits:
    • Up to $1,000 in the first 6 months;
    • $200 cash bonus every year you spend $200,000 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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Card detail
Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
16.24% - 22.24% 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:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 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 Spark® Cash Select Card doesn't charge an annual fee.

    The card's APR is 16.24% - 22.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 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.
View all Spark® Cash Select 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.
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On Cross River Bank‘s site
Card detail
Chase IHG® Rewards Premier Business
Annual fee:
$99 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.96
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $100 Statement credit after you spend $20,000 on purchases and make one additional purchase each calendar year.
    • 10,000x Bonus points after you spend $20,000 on purchases and make one additional purchase each calendar year.
    • 26x Total points at IHG® Hotels and Resorts.
    • 5x Total points on travel, dining, select business, and at gas stations.
    • 3x Points per $1 spent on all other purchases.
  • Intro Offer:
    • 140,000x Bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    19.74% - 26.74% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase IHG® Rewards Premier Business Credit Card earns 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn a $100 statement credit and 10,000 bonus points after you spend $20,000 on purchases and make one additional purchase each calendar year.

    The IHG® Rewards Premier Business Card offers up to 26x total points at IHG® Hotels and Resorts, 5x total points on travel, dining, select business, and at gas stations and 3x points per $1 spent on all other purchases.

    The Card's annual fee is $99. The APR for purchases and balance transfers is 19.74% - 26.74% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • 140,000 bonus points (after you spend $3,000 on purchases in the first 3 months from account opening);
    • $100 statement credit and 10,000 bonus points (after you spend $20,000 on purchases and make one additional purchase each calendar year);
    • Up to 26x total points at IHG® Hotels and Resorts;
    • 5x total points on travel, dining, select business, and at gas stations;
    • 3x points per $1 spent on all other purchases;
    • Save 20% on reward points purchases;
    • Anniversary Free Night;
    • Trip Cancellation/Trip Interruption Insurance;
    • Global Entry, TSA PreCheck® or NEXUS Statement Credit.
Card detail
BMO Harris Bank Business Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
4.79
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:
    17.49% - 26.49% 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 17.49% - 26.49%.

  • 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
BMO Harris Bank Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
13.49% - 22.49% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for 18 months from account opening date
  • Balance Transfer APR:
    13.49% - 22.49% 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 13.49% - 22.49%.

  • 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
PNC BusinessOptions® Visa Signature®
Annual fee:
$0 - $500 annually
Regular APR:
13.24% - 19.24% Variable
Our Rating:
4.08
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on purchases.
  • Intro Offer:
    • $750 Make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
  • Balance Transfer APR:
    13.24% - 19.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC BusinessOptions® Visa Signature® Credit Card earns 1.5% Cash Back on all purchases. You have the ability to choose your rewards program. The BusinessOptions® Visa Signature® allows you to choose between cash back, miles, and PNC points®.

    The APR on purchases and balance transfers ranges from 13.24% to 19.24% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • $750 bonus;
    • 1.5% Cash Back on purchases;
    • Choose either a pay-in-full option or a revolving credit option to pay off your balance;
    • Choice of 3 rewards programs;
    • Ability to limit individual employee spending by merchant or purchase category;
    • Visa Signature Travel Benefits.
Card detail
Truist Bank Business Travel Rewards
Annual fee:
$0 introductory annual fee for the first year
$49 thereafter
Regular APR:
14.49% - 23.49% Variable
Our Rating:
4.42
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging.
    • 1x Mile for each $1.00 in eligible purchases.
  • Intro Offer:
    • 20,000x Bonus miles when you spend $2,000 within 90 days of account opening.
  • Balance Transfer APR:
    14.49% - 23.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Business Travel Rewards Credit Card earns 20,000 miles when you spend $2,000 within 90 days of account opening. The Card offers 2x miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging and 1x mile for each $1.00 in eligible purchases.

    The Card's annual fee: $0 introductory annual fee for the first year, $49 thereafter. The APR for purchases and balance transfers is 14.49% - 23.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • Annual Fee
  • Benefits:
    • 20,000 miles when you spend $2,000 within 90 days of account opening;
    • 2x miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging;
    • 1x mile for each $1.00 in eligible purchases;
    • Up to $85 statement credit per organization every 4 years towards TSA PreCheck® or Global Entry® application fee reimbursement;
    • Loyalty Travel Bonus;
    • Zero Liability protection;
    • Digital account management through Truist Online Banking and Truist eZBusiness.
Card detail
M&T Bank Business
Annual fee:
$0
Regular APR:
10.99% - 17.99% Variable
Our Rating:
4.18
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.99% - 17.99% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 10.99% - 17.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No rewards
  • Benefits:
    • Add Employee Cards at no additional cost;
    • Visa Zero Liability;
    • M&T Assurance®;
    • Digital Wallet.
Card detail