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Best Credit Cards for Small Business

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Best Credit Cards for Small business in June 2023

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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:
25.74% Variable
Our Rating:
4.13
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:
    25.74% 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 25.74% 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:
    • $1,000 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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Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
17.99% - 23.99% 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:
    17.99% - 23.99% 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 17.99% - 23.99% Variable.

  • 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.
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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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BrightStar Business Elite Rewards
Annual fee:
$0
Regular APR:
11.49% Variable
Our Rating:
3.49
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Points on every purchase.
  • Purchase Intro APR:
    0% Intro APR on Purchases for 12 months
  • Balance Transfer APR:
    3.99% Intro APR on Balance transfers for 12 months
    11.49% Variable
  • Issuer name:
    BrightStar Credit Union
  • Details:

    The BrightStar Business Elite Rewards Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases (3.99% on balance transfers). After that, the variable APR is 11.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1x points on every purchase;
    • Credit limits up to $50,000;
    • Premium purchase protection and extended warranty;
    • NortonLifeLock™ Identity Theft Protection;
    • Luggage Insurance;
    • Travel Accident Insurance.
Card detail
Barclays Hawaiian Airlines® World Elite Business Mastercard®
Annual fee:
$99 annually
Regular APR:
18.24% - 27.24% Variable
Our Rating:
2.79
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:
    • 80,000x Bonus HawaiianMiles and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
  • Balance Transfer APR:
    18.24% - 27.24% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Barclays Hawaiian Airlines® World Elite Business Mastercard® Credit Card earns 80,000 bonus HawaiianMiles and a $99 statement credit after spending $2,000 on purchases in 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: 18.24% - 27.24% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • 80,000 bonus HawaiianMiles and a $99 statement credit (after spending $2,000 on purchases in the first 90 days);
    • 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
Citi Costco Anywhere Visa® Business
Annual fee:
$0
Regular APR:
20.24% Variable
Our Rating:
4.2
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 4% Cash Back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco, for the first $7,000 per year and then 1% thereafter.
    • 3% Cash Back on restaurant and eligible travel purchases worldwide.
    • 2% Cash Back on all other purchases from Costco and Costco.com.
    • 1% Cash Back on all other purchases.
  • Issuer name:
    Citi
  • Details:

    The Citi Costco Anywhere Visa® Business Credit Card earns 4% Cash Back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco (for the first $7,000 per year and then 1% thereafter).

    The Card offers 3% Cash Back on restaurant and eligible travel purchases worldwide, 2% Cash Back on all other purchases from Costco and Costco.com and 1% Cash Back on all other purchases.

    The Citi Costco Anywhere Visa® Business doesn't charge an annual fee. The standard variable APR for purchases is 20.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Balance transfers are not available
    • No welcome bonus
  • Benefits:
    • 4% Cash Back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco (for the first $7,000 per year and then 1% thereafter);
    • 3% Cash Back on restaurant and eligible travel purchases worldwide;
    • 2% Cash Back on all other purchases from Costco and Costco.com;
    • 1% Cash Back on all other purchases;
    • Digital Wallets;
    • Damage & Theft Purchase Protection;
    • Citi Entertainment®.
Card detail
Kemba Premier Business Visa®
Annual fee:
$0
Regular APR:
11.49% Variable
Our Rating:
3.9
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back rewards on balance transfers in the first 90 days.
  • Balance Transfer APR:
    11.49% Variable
  • Issuer name:
    Kemba Financial Credit Union
  • Details:

    The Kemba Premier Business Visa® Credit Card doesn't charge an annual fee. The APR for purchases and balance transfers is 11.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 1% Cash Back on balance transfers in the first 90 days;
    • Fraud protection.
Card detail
Clearview Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
7.24% Variable
Our Rating:
4.93
scorer
Credit score
Good (670-739)
  • Balance Transfer APR:
    7.24% Variable
  • Issuer name:
    Clearview® Federal Credit Union
  • Details:

    The Clearview Business Platinum Mastercard Credit Card doesn't charge an annual fee.

    The APR for purchases and balance transfers is 7.24% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Travel accident insurance;
    • Additional cards available for your employees;
    • Free anti-fraud protection and 24/7 card security services from Mastercard;
    • Mastercard Airport Concierge™;
    • MasterRental™ Insurance;
    • Priceless Cities Offers & Experiences.
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