Best Credit Cards for Small Business

Compare credit cards for Small Business on Myfin.us.

Updated September 18, 2021
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Best Credit Cards for Small business in September 2021

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Emigrant Bank Brex for Startups best for Without SSN

Brex Card for Startups Emigrant Bank
Apply now
Our Rating:
2.06 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    None
  • Balance Transfer APR:
    None
  • 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.
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Chase Ink Business Cash® best for No Annual Fee, Small business

Ink Business Cash® Chase
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
    • 2% Cash Back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $750 Bonus Cash Back after you spend $7,500 on purchases in the first 3 months after account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Fixed Intro APR for the first 12 months that your Account is open.
  • Regular APR:
    13.24% - 19.24% Variable.
  • Balance Transfer APR:
    13.24% - 19.24% Variable.
  • Issuer name:
    Chase
  • Details:

    The Ink Business Unlimited Credit Card, issued by Chase, offers small-business owners easy Cash Back on their purchases with no annual fee.

    The 0% introductory APR for purchases lasts for 12 months, then APR reverts to the regular rate of 13.24% to 19.24% (Variable). The card's Penalty APR: up to 29.99%.

    The Ink Business Cash’s welcome offer of $750 bonus Сash Back when you spend $7,500 on purchases in the first three months.

    You’ll earn 5% Cash Back on the first $25,000 worth of office supplies, cable, internet, and phone service purchases each year as well as 2% Cash Back on the first $25,000 in purchases at restaurants and gas stations each year. All other purchases earn 1% Cash Back.

    Other useful benefits include purchase protection for up to 120 days and a 12-month extended warranty when you make an eligible purchase with your card. The extended warranty only applies to qualifying warranties of up to three years.

  • Pros:
    • No Annual Fee
    • Intro APR on new purchases
    • High rewards rates in certain categories
    • Sign-up bonus
  • Cons:
    • Foreign Transaction Fee
    • Spending caps in bonus categories
    • Low rewards rate outside bonus categories
  • Benefits:
    • $750 bonus Cash Back;
    • 5% Cash Back at office supply stores and on internet, cable and phone services;
    • 2% Cash Back at gas stations and restaurants;
    • 1% Cash Back on all other purchases;
    • Free employee cards;
    • Protection and insurance;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Build your business credit;
    • Get insights into your business;
    • Manage your cash flow.

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Chase Ink Business Preferred® best for Without SSN, Daily use

Ink Business Preferred® Chase
Apply now
Our Rating:
4.57 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
    • 1x Point per $1 on all other purchases.
  • Intro Offer:
    • 100,000x Bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 Cash Back or $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®.
  • Annual Fee:
    $95 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 20.99% Variable.
  • Balance Transfer APR:
    15.99% - 20.99% Variable.
  • Issuer name:
    Chase
  • Details:

    The Ink Business Preferred® Credit Card from Chase is a good fit for business owners who spend a lot of money on travel, shipping, internet, cable and phone services, and advertising purchases.

    Earn 100.000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 Cash Back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

    Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases. Redeem points for Cash Back, gift cards, travel and more – your points don’t expire as long as your account is open.

    Chase has a 1:1 point transfer system, meaning one point equals one partner mile or rewards point. For business travelers, this can translate into great savings. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

    The card's regular APR: 15.99 % to 20.99 % (Variable). The APR for Cash Advance: 24.99%.

    The Ink Business Preferred® Credit Card's Penalty APR: up to 29.99%.

    While the biggest fee is the $95 annual fee, there are also other fees to be aware of such as the late or returned payment fee of $39. Balance transfers are charged at $5 or 5 percent for each transfer, whichever is greater. Cash advances cost $15 or 5 percent, whichever is greater.

    The Ink Business Preferred® Credit Card pays up to $600 per claim for damage or theft of cell phones for you and your employees when the bill is paid using your card. There’s a maximum of three claims in a 12-month period, and there is a $100 deductible for each claim.

    Trip cancellation and interruption insurance reimburses you up to $5,000 per trip (including passenger fares, tours and hotels) when your trip is canceled due to sickness, severe weather conditions and other qualifying scenarios.

    As part of the Visa network, the card is broadly accepted by merchants worldwide. It also doesn’t charge foreign transaction fees, which will save you money on your overseas purchases.

  • Pros:
    • 3x Bonus
    • Relatively Low Annual Fee
    • Cards for Employees at No Additional Cost
    • High Sign-Up Bonus
    • No Foreign Transaction Fees
  • Cons:
    • High Spending Minimum for Sign up Bonus
    • High APR
  • Benefits:
    • 100,000 bonus points;
    • 3x points on travel and select business categories;
    • 1x point on all other purchases;
    • $0 Fraud Liability;
    • Extended warranties;
    • Employee cards at no additional cost;
    • Build your business credit;
    • 25% more in travel redemption;
    • 1:1 Points Transfer;
    • Gift Cards;
    • Apple® Ultimate Rewards Store;
    • Trip Cancellation/Trip Interruption Insurance;
    • Roadside Dispatch;
    • Auto Rental Collision Damage Waiver;
    • Cell Phone Protection.
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American Express Business Platinum Card® best for Big purchase

Business Platinum Card® American Express
Apply now
Our Rating:
2.28 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on flights and prepaid hotels on amextravel.com.
    • 1.5x Points on each eligible purchase of $5,000 or more (that's an extra half point per dollar). Up to 1 million additional points per calendar year.
    • 1x Points for each dollar you spend on eligible purchases.
  • Intro Offer:
    • 120,000x Points after you spend $15,000 on eligible purchases with your Card in the first 3 months.
  • Annual Fee:
    $595 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    14.24% - 22.24% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Amex Business Platinum gives new cardholders the chance to earn 120,000 American Express Membership Rewards points when they spend $15,000 on their cards within three months of account opening.

    Earn 5x points on flights and prepaid hotel bookings through Amex’s travel portal. However, purchases of $5,000 or more will net business owners with 1.5x Membership Rewards points for each dollar spent, which can add up quickly if you have pricey business expenses to cover every month.

    This luxury travel credit card for business comes with a hefty $595 annual fee. Other fees to be aware of include a late payment fee up to $39 (or 2.99 percent of any past due Pay in Full amount, whichever is greater) and a returned payment fee up to $39. The card's regular APR: 14.24% to 22.24% (Variable). The card's penalty APR is 29.99%.

    This business card also comes with important perks you can take advantage of, including up to $200 in airline fee credits each year, elite status with Marriott Bonvoy and Hilton Honors, up to $200 in Dell credits, airport lounge access and more.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate in certain categories
    • Lounge access, airline fee credit
  • Cons:
    • High Annual Fee
    • Extra Fees
  • Benefits:
    • 120,000 Membership Rewards® Points;
    • 5x Membership Rewards points on flights and prepaid hotels;
    • 1.5x points on each eligible purchase of $5,000 or more;
    • 1x points on all other purchases;
    • 35% Airline Bonus;
    • $200 Annual Dell Technologies Statement Credit;
    • Employee Cards;
    • Vendor Pay by Bill.com;
    • Dispute Resolution;
    • Pay Over Time Option;
    • Business Platinum Card Concierge;
    • Preferred Seating Program;
    • Global Dining Collection;
    • Premium Car Rental Privileges;
    • American Express Global Lounge Collection®;
    • Fee Credit for Global Entry or TSA Pre✔;
    • Marriott Bonvoy Gold Elite Hotel Status;
    • Hilton Honors Gold Status;
    • Business Platinum Travel Service;
    • Trip Cancellation and Interruption Insurance;
    • Trip Delay Insurance;
    • Baggage Insurance Plan;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline.
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Chase Ink Business Unlimited® best for Daily use

Ink Business Unlimited® Chase
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back rewards on every purchase made for business.
  • Intro Offer:
    • $750 Cash Back after you spend $7,500 on purchases in the first 3 months after account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Intro APR for the first 12 months that your Account is open.
  • Regular APR:
    13.24% - 19.24% Variable APR.
  • Balance Transfer APR:
    13.24% - 19.24% Variable APR.
  • Issuer name:
    Chase
  • Details:

    The Ink Business Unlimited® Credit Card has an annual fee of $0 and offers an unlimited 1.5% cash back on all purchases. Plus, earn $750 bonus Cash Back after you spend $7,500 on purchases in the first 3 months after account opening. Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

    The Ink Business Unlimited® Card offers 0% intro APR for 12 months from account opening on purchases. After that,13.24% – 19.24% (Variable). The card's Penalty APR is 29.99%. The card has a foreign transaction fee of 3% (each transaction in U.S. dollars).

    With the Ink Business Unlimited® Credit Card your purchases are protected from theft and damage up to $10,000 per claim and $50,000 per account for up to 120 days.

  • Pros:
    • No Annual Fee
    • 0% Intro APR on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $750 bonus Cash Back;
    • 1.5% Cash Back rewards on every purchase;
    • Free employee cards;
    • Auto Rental Collision Damage Waiver;
    • Travel and Emergency Assistance Services;
    • Roadside Dispatch;
    • Extended Warranty Protection.
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American Express Blue Business Cash™ best for Daily use

Blue Business Cash™ American Express
Apply now
Our Rating:
3.4 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • Intro Offer:
    • $250 Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening.
  • Regular APR:
    13.24% - 19.24% Variable APR.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Blue Business Cash™ Card earns 2% Cash Back up to $50,000 per year, then 1%. The card has no annual fee.

    Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.

    The American Express Blue Business Cash™ Card offers 0% intro purchase APR and 13.24% to 19.24% variable APR. The card's Penalty APR is 29.24%.

    Enjoy flexible buying power, when your business needs it. Expanded Buying Power gives you the freedom to spend beyond your credit limit and help get business done.

    Get the most out of your Business Card by adding Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.

    When you designate an Account Manager, you can allow trusted individuals - like an assistant or business partner - to access and manage your Business Card account. So you can trust your Account Manager to get the work done when you can't be there.

  • Pros:
    • No Annual Fee
    • 0% Intro APR on purchases
  • Cons:
    • Foreign Transaction Fee
    • No welcome bonus
    • No introductory APR for balance transfers
  • Benefits:
    • 2% Cash Back on all eligible purchases (up to $50,000 per year, then 1%);
    • $250 statement credit;
    • Employee Cards;
    • Account Manager;
    • Expanded Buying Power;
    • Extended Warranty Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline.
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American Express Blue Business® Plus best for Daily use

Blue Business® Plus American Express
Apply now
Our Rating:
3.4 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Membership Rewards® Points on the first $50,000 spent in purchases each year, 1x points thereafter.
  • Intro Offer:
    • 15,000x Extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening.
  • Regular APR:
    13.24% - 19.24% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Blue Business® Plus Credit Card from American Express offers 15,000 Extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Plus, the card earns 2x Membership Rewards Points on first $50,000 each year (1x points thereafter).

    The Blue Business® Plus Credit Card has no annual fee. The Card's APR: 0% Intro APR period on purchases; 13.24% - 19.24% (Variable APR); 29.24% (Penalty APR).

    There is no annual fee for additional Employee Blue Business® Plus Credit Cards. Plus, when you add an additional Employee Card to your account, you earn Membership Rewards® points on their eligible purchases in addition to the points you earn on your own card.

    The Blue Business® Plus Credit Card from American Express offers Car Rental Loss and Damage Insurance.

  • Pros:
    • Membership Rewards® program
    • 0% Intro APR
    • Expanded Buying Power
    • Plugs into QuickBooks
  • Cons:
    • Limits on Rewards
    • Limited acceptance worldwide
    • Foreign Transaction Fee
  • Benefits:
    • 15,000 Extra Membership Rewards® points;
    • 2x points on the first $50,000 spent in purchases each year (1x points thereafter);
    • Employee Cards;
    • Extended Warranty;
    • Account Manager;
    • American Express® Business App;
    • Relationship Care® Service;
    • Global Assist® Hotline;
    • Car Rental Loss and Damage Insurance.
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Business Advantage Cash Rewards Mastercard® Bank of America
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice. You'll earn 2% and 3% Cash Back on up to $50,000 in combined purchases in those categories each calendar year, then 1% thereafter.
    • 2% Cash Back on dining.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $300 Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 9 billing cycles following the opening of your account.
  • Regular APR:
    12.24% - 22.24% Variable.
  • Balance Transfer APR:
    12.24% - 22.24% Variable.
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America® Business Advantage Cash Rewards Mastercard® credit card offers a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Plus, earn 3% Cash Back in the category of your choice, 2% Cash Back on dining and 1% Cash Back on all other purchases. You can earn up to 75% more Cash Back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier.

    The Bank of America® Business Advantage Cash Rewards Mastercard® has no annual fee. The card's APR: 0% for 9 billing cycles, then 12.24% - 22.24% (Variable APR).

    Enjoy travel services your business needs, including $100,000 in travel accident insurance and auto rental insurance, emergency ticket replacement, lost-luggage assistance and the option to get extended protection.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
    • High rewards rate
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $300 online statement credit;
    • 3% Cash Back on one select category;
    • 2% Cash Back on dining;
    • 1% Cash Back on all other purchases;
    • 75% more Cash Back on every purchase;
    • $0 Liability;
    • Overdraft Protection;
    • Travel and Emergency Services.
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Southwest Rapid Rewards® Performance Business Chase
Apply now
Our Rating:
4.16 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points for every $1 you spend on Southwest Airlines® purchases.
    • 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.
  • Annual Fee:
    $199 annually.
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable.
  • Balance Transfer APR:
    15.99% - 22.99% Variable.
  • 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 3x points on Southwest Airlines purchases, 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:
    • 3x points on Southwest Airlines® purchases;
    • 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.
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Capital One Spark® Miles best for Walmart purchases

Capital One Spark® Miles
Apply now
Our Rating:
4.33 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 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.
  • Annual Fee:
    $0 intro for the first year. $95 thereafter.
  • Purchase Intro APR:
    None
  • Regular APR:
    20.99% Variable.
  • Balance Transfer APR:
    20.99% Variable.
  • 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 with no blackouts or seat restrictions and no minimum to redeem.

    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;
    • 50,000 bonus miles;
    • $0 Fraud Liability;
    • $100 Travel Credit.
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