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Best Small Business Credit Cards

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by Eric Rosenberg | Updated Oct. 23, 2019

Overview of the Best Small Business Credit Cards

Many small businesses in various stages of growth often have different financial needs for success. If you're running a seasonal business, you might need significant capital upfront to ensure success when demand finally comes in. On the other hand, if you're running an eCommerce business, shipping and online advertising might be more top of mind. Many small business credit cards have recently begun to offer features designed precisely for the purpose of alleviating the stress of running a business. These cards aim to make it easier for you to get access to short-term capital, get rewards or cash back for common business purchases like shipping, advertising, and utilities, among other benefits. Given the myriad types of businesses out there, it's very difficult to say any one credit card will fit all of your needs. Using our credit card rewards evaluation model, we've compiled the following list of the best small business credit card offers that will help improve your bottom line by giving you access to the tools and features you really need. See More



Best Small Business Credit Card for Rewards

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  • Earn 80,000 points when spending $5,000 in purchases in the first 3 months from account opening. If you redeem through Chase Ultimate Rewards towards travel, this would be equal to $1,000!
  • Earn 3 points per dollar spent on the first $150K in combined purchases in select categories each anniversary year
  • All other purchases earn one point per dollar with no limit to the amount you can earn
  • Receive 25% more points when redeeming for travel through the Chase Ultimate Rewards portal
  • Points can be redeemed for travel, cash back, gift cards and more - plus, your points don't expire as long as your account is open and in good standing
  • No foreign transaction fees if you need to travel overseas on business
  • Receive additional cards for your employees at no additional cost
  • An annual fee of $95 will apply

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.49% - 22.49% Variable

Benefits

What do you get back from dollars your business spends? If the answer isn't rewards you should consider the Ink Business Preferred Credit Card. Earn a massive 80,000-bonus points after spending $5,000 on purchases in the first 3 months from account opening. That is worth at least $1,000 in free travel when redeemed through Chase Ultimate® Rewards. Then earn 3 points per $1 on the first $150,000 spent in select categories each year. Earn 1 point per $1 on everything else, with no limit to the amount you can earn. This card has no foreign transaction fees. Chase points case be used to purchase travel through the Ultimate Rewards® portal – and points don’t expire. Cardholders can also transfer points to leading frequent travel programs 1:1, including United and Southwest for travel around the world.

Things to Consider

This card has a $95 annual fee, with no introductory rate. The APR rate for purchases and balance transfers ranges from 17.49% - 22.49% Variable based on your credit history. Pay 26.49% Variable on cash advances.

Our Verdict

Chase Ultimate Rewards® is a top travel rewards program today. The points can be used for travel purchases as well as be transferred to airline and hotel partners, which can give you even more value per point. The bonus points you can earn in the first 3 months alone is worth $1,000 toward travel when you redeem through Chase Ultimate Rewards®. This card offers flexible, lucrative points you can use to travel across in the world. It is our favorite card for business travel rewards.

Compare Similar Rewards Offers

Best Small Business Credit Card for Average Credit

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  • Earn unlimited 1% cash back on all purchases
  • No annual fee
  • Opportunity to build credit for your business with responsible use
  • Zero fraud liability coverage if your card is ever lost or stolen
  • Free cards for your employees, and those cards will also earn cash back
  • Cash back won't expire and you can you can redeem for any amount
  • No foreign transaction fees when using your card abroad

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.74% Variable

Benefits

Some business owners struggle to reach top-tier cards due to a few credit mistakes in the past. That shouldn’t keep you from earning valuable cash back from your purchases. Capital One® Spark® Classic for Business offers 1% cash back on all purchases. There is no limit to how much you earn, and no minimum to redeem. Use this card to strengthen your credit and your business credit with no annual fee.

Things to Consider

This card is designed for people with less than stellar credit. Pay 24.74% Variable APR on purchases if you don’t pay your bill in full each month. Some cards do offer more compelling rewards but require excellent credit.

Our Verdict

If you are looking for a simple business credit card with no annual fee, this is a great choice. Earn 1% cash back across the board on all purchases. Use rewards however you choose. Add additional cards for employees at no extra cost. This card charges no foreign transaction fees. It is a great addition to any business owner’s wallet.

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Best Small Business Credit Card for Cash Back

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  • For a Limited Time: Earn up to $2,000 in early spend bonuses
  • Earn a one-time early spend bonus of $500 when you spend $5,000 on purchases within the first 3 months. Plus, earn $1,500 when you spend $50,000 in the first 6 months of cardmembership.
  • Earn unlimited 2% cash back - no matter the purchase
  • Introductory annual fee of $0 for your first year, after that pay $95
  • Add card for your employees for free and earn cash back from their purchases
  • Zero fraud liability coverage if your card is ever lost or stolen
  • Redeem cash back at any amount, plus cash back won't expire as long as your account is in good standing

Annual Fee

$0 intro for the first year, $95 thereafter

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.74% Variable

Benefits

If you want cash back from your business purchases, Capital One® Spark® Cash for Business is a great choice. Card holders earn 2% cash back for all purchase, which helps bring money back into your business. In addition, earn $500 bonus cash back after spending $5,000 in the first 3 months. Plus, you can earn an extra $1,500 when you spend $50,000 in the first 6 months with your card. If you want simple, lucrative cash back for your purchases, this is the card for you.

Things to Consider

Capital One® Spark® Cash for Business has a $95 annual fee, with an introductory rate of $0 first year. The card charges 18.74% Variable APR on purchases and balance transfers. Pay 24.74% Variable on cash advances. Missed payments lead to a penalty APR of 31.15% variable.

Our Verdict

This card is the best cash back credit card for businesses today. Earning 2% cash back can help your business earn profits from every purchase. The ability to earn up to $2,000 in early spend bonuses makes this a lucrative card. Add employees for no extra fee. Business owners looking to earn from every purchase should look no further.

Compare Similar Cash Back Offers

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing small business credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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