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Best Small Business Credit Cards

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by Eric Rosenberg | Updated Apr. 19, 2017
We maintain strict editorial integrity in our writing and assessments. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone.

Best Small Business Credit Cards Overview

Advertiser Disclosure

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.

Best Small Business Credit Card for Rewards

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  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% - 21.74% Variable

Best Small Business Credit Card for Average Credit

More Details

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

23.49% Variable

Best Small Business Credit Card for Cash Back

More Details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Annual Fee

$0 intro annual fee for the first year $59 after that

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.49% Variable

Our 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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Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
Get Your $200 Credit
Get a travel credit card with massive rewards + $200 Statement Credit
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Data provided by Informa Research Services and CJ Affiliate.
Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset does not include all card companies or all card offers available in the marketplace.
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