Best Small Business Credit Cards

The top credit card offers for small business - Updated January 2024

28 Cards in Total

Choosing a credit card for your business is an important decision, but it does not have to be a time consuming or difficult process. Below there are several credit cards that cater to small business owners from a variety of issuers. These cards typically require your EIN upon application submission and are a great way to streamline spending as well as earning rewards while doing so.

CreditCardReviews.com is an independent, advertising-supported comparison service. Many of the offers that appear on this site are from companies from which CreditCardReviews.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCardReviews.com does not include the entire ecosystem of credit offers available to the US market. CreditCardReviews.com has partnerships with issuers and referral platforms including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, Discover, Well Fargo, and Cardratings.
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0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 27.49%

Annual Fee

See Terms

Recommend Credit Score

720 - 850

Start your card ownership with a gift, in the shape of a $100 Amazon Gift Card, with this business-focused credit card. Then as you use the card, take advantage of 3% Back or 60 Day Terms on US purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market (on the first $120,000 you spend each calendar year. 1% Back thereafter). Earn 2% Back at US restaurants and gas stations, and on wireless telephone services purchased directly from US service providers. 1% back on all other purchases. The rewards on this card also don't expire - you are free to choose when to redeem them.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 27.49%

Annual Fee

See Terms

Recommend Credit Score

720 - 850

If you’re a regular Amazon user, then why not earn as you browse? With this card, eligible Prime Members also get a $125 Amazon Gift Card upon approval, and an ongoing 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market (for the first $120,000 spent in a calendar year). You can also earn 2% Back at US restaurants, U.S. gas stations, and on wireless telephone services purchased directly from US service providers. 1% Back on other purchases.

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0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

19.49% - 28.49%

Annual Fee

375

Recommend Credit Score

720 - 850

This card comes with great rewards and incentives on a range of purchases that are relevant to the average office-based business. You can expect 4X Membership Rewards® points on the top 2 categories where your business spends the most each billing cycle (from 6 categories). Each calendar year, you can earn 4X points on the first $15,000 spent in these categories (then 1X). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your card, and earn up to $20 in statement credits every month, after using your card for eligible US purchases at FedEx, Grubhub, and Office Supply Stores. You will also receive $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership with your card!

Intro Purchase APR

0% for 9 billing cycles

Intro Transfer APR

N/A

Regular APR

18.49% - 28.49%

Annual Fee

0.00

Recommend Credit Score

720 - 850

Earn cash rewards for spending on business-related categories of your choice. That’s 3% cash back from purchases in gas stations & EV charging stations, office supply stores and travel, to TV/telecom & wireless, computer services and business consulting services. Receive a further 2% cash back on dining purchases and 1% cash back on all other purchases. You can also raise these rates by up to 75% if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. No annual fee, and 0% Introductory APR on purchases for your first 9 billing cycles.

Intro Purchase APR

0% for 9 billing cycles

Intro Transfer APR

N/A

Regular APR

18.49% - 28.49%

Annual Fee

0.00

Recommend Credit Score

720 - 850

This card is particularly useful for those who frequently travel. You can redeem points for a statement credit to offset travel and dining purchases, and to travel with no blackout dates at the Bank of America® Travel Center (or for cash back or gift cards!). There are no annual fees or international transaction fees, and no limit to the amount of points you can earn. Your points also don't expire as long as your account remains open. Receive an extra 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days - the equivalent of $300 statement credit towards travel or dining purchases.

Intro Purchase APR

0% for 9 billing cycles

Intro Transfer APR

N/A

Regular APR

18.49% - 28.49%

Annual Fee

0.00

Recommend Credit Score

720 - 850

There is no annual cap on cash rewards with this card, no annual fee, and the rewards don’t expire as long as your account remains open. Receive a gift of $300 in statement credit when you spend at least $3,000 in the first 90 days of your account opening. You can then earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business (free of cost) and earn up to an unlimited 2.62% cash back on all purchases (with a few terms and conditions). Choose how to redeem your cash rewards - as a bank deposit, statement credit or a mailed check.

Intro Purchase APR

0% for 7 billing cycles

Intro Transfer APR

N/A

Regular APR

16.49% - 27.49%

Annual Fee

0.00

Recommend Credit Score

720 - 850

This card carries a competitive purchase APR, which will help you save on interest, and no annual fees. It also offers 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR will apply. Added to this, when you make at least $3,000 in purchases in the first 90 days of your account opening, you will receive a $300 online statement credit. Finally, bring your whole team in on the deal and get employee cards at no additional cost to you, with credit limits you set.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.99%

Annual Fee

99

Recommend Credit Score

720 - 850

A card for those who fly regularly for business, with plenty of rewards geared towards travel. Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 within the first 4 months of owning a card. Enjoy a free first checked bag on domestic American Airlines itineraries, 25% savings on American Airlines inflight Wi-Fi when you use your card, and preferred boarding on American Airlines flights. This card will earn you AAdvantage® miles and Loyalty Points (1 for every 1 eligible AAdvantage® mile). No foreign transaction fees.

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

20.99% - 29.99%

Annual Fee

150

Recommend Credit Score

720 - 850

The perfect card to collect miles with Delta and enjoy exclusive benefits when flying. Get your first checked bag free on delta flights, and make the most of Main Cabin 1 Priority Boarding. Save 15% when booking Award Travel with miles on Delta flights via delta.com and the Fly Delta app, and expect a welcome offer of 50,000 Bonus Miles after spending $2,000 in the first 3 months of card membership. You also earn regular miles every time you make a purchase - 2 miles on every $1 spent on eligible purchases at US shipping providers and eligible US advertising purchases in select media, 2 miles on every $1 spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants, and 1 Mile on every other eligible $1 purchase.

star-icon

0.0

/ 5

0 Ratings & Reviews

Intro Purchase APR

N/A

Intro Transfer APR

N/A

Regular APR

21.24% - 29.24%

Annual Fee

70

Recommend Credit Score

720 - 850

If you fly Alaska, then make sure you invest in this card. You will receive 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account. When you paid for your flight with your card, enjoy Priority Boarding and a free checked bag (and the same for up to 6 guests on the same reservation). You can also expect 20% back on Alaska Airlines inflight purchases when you pay with your card. When you’re not flying, earn miles through everyday purchases! 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare), and 1 mile for every $1 spent on all other purchases.