Best Credit Cards for Small Business

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

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).

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.

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%.

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.

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).

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.

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.

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.

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.

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.