From freelancers to other small business owners the perks of getting business credit cards are endless. No matter if you want to earn rewards or keep your personal and professional expenses separate, business credit cards will make things easier for you. Not only this many of the business cards allow you to create free employee cards which is an excellent way to streamline the process of spending.
It is important to note that business credit cards come in all shapes and sizes with various rewards, luxurious travel perks, loyalty points, interest-free financing on new purchases, insurance, warranties and much more. The key to deciding the best small business credit cards of 2024 is determined by the personal choice of business owners and what you value the most: cash back, rewards, welcome bonus, special financing, shipping, or low APR. Here are the top picks for the best small business credit cards of 2024 which offers the most value to the users.
Table of Contents
Quick Overview – Best Small Business Credit Cards of 2024
- Ink Business® Unlimited Credit Card – Overall best cash back business credit card
- The Blue Business® Plus Credit Card from American Express – Best business flexible rewards with 0% APR in the introductory period
- Ink Business Cash® Credit Card – Best no annual fee business credit card for bonus categories
- Ink Business℠ Premier Credit Card – Best flat rate business credit card
- World of Hyatt Business Credit Card – Great pick hotel card for business travels
- Capital One Spark Cash Plus – Best business card for heavy spenders
- Wells Fargo Business Elite Signature Card – Great business card with low interest
- Amazon Business Prime American Express Card – Best business card for Amazon
- U.S Bank Triple Cash Rewards Visa Business Card – Great pick business card for varied expenses
- Capital on Tap Business Credit Card – Newer entry in business cards with extra perks
1. Ink Business® Unlimited Credit Card
Annual Fee: $0
Introductory APR : 0% APR for a period of 12 months
Regular APR: 18.49% – 24.49% ( Variable APR )
Credit Card Score Required: 690-850
The top among the best small business credit cards of 2024 is geared towards business owners who are looking for greater rewards. This card is simple, easy to use and comes with no annual fee. The good aspect is that you don’t have to monitor the bonus categories as the card comes with no caps or bonus categories to keep tab on.
Product Details
- With one of the best small business credit cards of 2024, you can earn bonus cash back of uptown $900 after spending a total amount of $6,000 on eligible purchases
- Get unlimited 1.5% cash back on the purchases you made for your business
- Comes with no annual fee
- With this card you can redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards®
- The biggest benefit of one of the best small business credit cards of 2024 is that you can earn greater rewards with employee cards at no additional cost.
- For extra safety the card comes with round-the-clock monitoring for unusual credit card purchases
- With zero liability you are not at all responsible for the unauthorized charges that are made using your card
- Member FDIC
| Pros | Cons |
| Generous welcome bonus | High foreign transaction fee |
| Charges no annual fee | Not a great card for balance transfers |
| Unlimited 1.5 % cash back on all the purchases | |
| Cash back awarded as Ultimate Rewards can be combined with a Premium Chase credit card for great redemption options |
2. The Blue Business® Plus Credit Card from American Express
Annual Fee: $0
Introductory APR : 0% APR for a period of 12 months
Regular APR: 18.49% – 26.49% ( Variable APR )
Credit Card Score Required: 690-850
The card starts with a solid intro APR offer and comes with additional rewards. Being in the list of best small business credit cards of 2024 it is preferable for those who value membership reward points with no annual fees. No matter what the size of your business the card offers the right benefits and perks for your business operations.
Product Details
- With one of the best small business credit cards of 2024, you can earn 2X Membership Reward points on business purchases such as office supplies and annual dinners for employees. The 2X rewards are applicable for making purchases up to $50,000 per year
- Earn 1 point per dollar on all the purchases
- Comes with 0% Introductory APR for a tenure of 12 months, followed by variable APR of 18.49% – 26.49%
- The greatest benefit is that being one of the best small business credit cards of 2024 the card can be used beyond its credit limit with Expanded Buying power. The amount you spend above the credit limit is not unlimited , it totally depends upon the credit record, payment history and credit score
| Pros | Cons |
| Multiple airline transfer partners | High foreign transaction fee |
| Comes with no annual fee | 2 points per dollar in first year then 1 point per dollar in the next years |
| High reward rate with a spending cap of $50,000 per year |
3. Ink Business Cash® Credit Card
Annual Fee: $0
Introductory APR : 0% APR for a period of 12 months
Regular APR: 18.49% – 24.49% (Variable APR )
Credit Card Score Required 690-850
If your business has a lot of travel expenses then this card is specifically for you. Being on the list of the best small business credit cards of 2024, it offers great rewards on a broad spectrum of expenses including supplies, internet, phone services and cable. In brief, the card comes with enticing business rewards with 0% introductory APR for the first 12 months of account opening.
Product Details
- Get 5% cash back on spending a total amount of 425,000 in combined purchases for office supplies, internet, cable , phone services on each account anniversary
- With one of the best small business credit cards of 2024, you can also earn 2% cash back on total spending of $25,000 at gas stations and restaurants on each account anniversary
- Earn 1% cash back on all the other purchases made through this card
- Get employee cards with no additional costs and set individual spending limit to earn rewards at a faster rate
- Easy redemption of your rewards for gifts, cash back, and travel that are done through Chase Ultimate Rewards®
- Get 5% cash back on Lyft rides through your Chase Ink Cash card
| Pros | Cons |
| Impressive signup bonus of $900 | High fees for cash advances and balance transfers |
| Charges no annual fee which is perfect for small business owners | High spending cap on the bonus categories |
| High reward rate with a spending cap of $25,000 in combined purchases every year |
4. Ink Business℠ Premier Credit Card
Annual Fee: $195
Introductory APR : 0% APR for a period of 12 months
Regular APR: 19.49% – 27.49% ( Variable APR )
Credit Card Score Required 700-749
The Ink Business℠ Premier Credit Card is one of the best card in the Chase small business line up . The card is one of the favorable choices among the best small business credit cards of 2024 with eye-popping rewards on travel and other purchases. As the first “Pay in Full” business card it totally functions as a charge card and selected purchases can be paid off over a certain time period. On large purchases, it offers a higher cash- back earning rate.
Product Details
- Get a sign-up bonus of $1000 after you spend $10,000 on purchases in the first 3 months
- With one of the premium option among the best small business credit cards of 2024, earn 2.5% cash back on every purchase of $5000 or above
- Turn all your business expenses into rewards with unlimited 2% cash back on all business purchases
- With this card you can easily redeem your rewards for travel, gift cards, cash back and more through Chase Ultimate Rewards
- Employee cards come at no upfront costs and even setting a spending limit can benefit you in earning higher rewards
- For all the small business owners who prefer to pay their balance each month, this card gives access to increased spending power , higher rewards and premium perks
- Being in the list of best small business credit cards of 2024, it offers the flexibility to pay off eligible purchases over time with low-interest
- Get 5% cash back on Lyft Rides with your Chase Ink Premier card
| Pros | Cons |
| Great welcome offer | Expenses to be paid in each month |
| No annual fee for the employee cards | Points cannot be transferred to airlines and hotels |
| Multiple travel and purchase protections | Charges greater annual fee |
| 5% cash back earned on travel purchased through Chase Ultimate Rewards |
5. World of Hyatt Business Credit Card
Annual Fee: $199
Introductory APR: No Introductory APR
Regular APR: 21.49% – 28.49% (Variable APR )
Credit Card Score Required: 700-749
The welcome offer of this card is one of the biggest reasons it holds significant value for the modest spender. Being one of the best small business credit cards of 2024, it offers an interesting set of perks for all those who are loyal to Hyatt. With this card’s ongoing earning structure, you can use car spending as an extra boost toward earning status. The greater you spend on this card every year , the more valuable it can be.
Product Details
- Get 60,00 bonus points after spending a total amount of $5,000 on purchases in the first 3 months
- With one of the elite business cards among the list of best small business credit cards of 2024, you can earn 15K bonus points after spending $12,000 in first 6 months
- Get 9 points per dollar spent at Hyatt, 4 points per dollar after using cards at Hyatt hotel and lastly 5 base points per dollar from Hyatt as a World of Hyatt member
- Get 2 bonus points on each dollar you spent on the top three categories in each quarter
- Get 2 points per dollar spent on gym membership and fitness clubs
- Get 1 point per dollar on all the other purchases
- Get up to $100 in Hyatt statement credits after spending $50 or more on Hyatt property and get $50 statement credit twice each anniversary year
- Get 5 tier qualifying night credit towards status and milestone rewards after you spend $10,00 each year
- Member FDIC
| Pros | Cons |
| Offers solid welcome bonus | Low earning rate for non- bonused spending |
| Greater earning rates compared to the other best small business credit cards of 2024 | Charges high annual fee |
| Automatic Discoverist Status |
6. Capital One Spark Cash Plus
Annual Fee: $150
Introductory APR: No Introductory APR
Regular APR: Not Applicable
Credit Card Score Required: 740-850
If you are a big spender and looking for a reasonable business card with a minimal fee then Capital One Spark Cash Plus is for you. The good aspect of one of the best small business credit cards of 2024 is that it has set no spending cap on categories. With this card, you can get an overall 2% cashback on all the purchases you make. For you to earn greater rewards on this card try to maximize your purchase on business dinners and other office supplies.
Product Details
- Get one time cash back bonus of $120 with a high spending cap of $30,000 in the first 3 months
- Earn 2% unlimited cash back on every purchase you make you make through this card
- Being one of the best small business credit cards of 2024, it comes with no preset spending limit so you can easily get rewards while spending on your favorite items
- The card can aptly fit your needs based on multiple factors that include payment history, spending behaviors, and credit profile
- The plus point for the big spenders is that , if you spend a total of $150,000 on this card you get your annual fee refunded
- If you book hotels and rentals through Capital One Travel , you can earn unlimited 5% cash back
- Get employee cards for free and earn 2% cash back on purchases
| Pros | Cons |
| Cashback availability both for primary and employee cards | High spending cap to get welcome bonus |
| Rewards are easy to redeem and don’t expire | Charges greater annual fee |
| No foreign transaction fees |
7. Wells Fargo Business Elite Signature Card
Annual Fee: $0 and $125 for the next years
Introductory APR: No Introductory APR
Regular APR: 14.24%- 27.24% ( Varies according to the purchases)
Credit Card Score Required: 740-850
The Wells Fargo Business Elite Signature Card is specifically designed for businesses with over a million dollars in annual sales. The card is jam-packed with travel perks and protections with the fee waived for first year but for next year the charges are $125. As the great option among the best small business credit cards of 2024, the card either offers flat rate 1.5% cash back or 1 point per dollar with bonus hitting monthly spending limit. This card is preferable for businesses that have sales and for people who travel extensively for business ventures
Product Details
- The card designed for big spenders in the list of best small business credit cards of 2024, you can earn a one-time $1,000 cash-back bonus or $100,000 bonus points after spending $25,000 in the first 3 months of account opening
- Get 1.5% cash back on each dollar you spend or earn
- Earn 1 point on every dollar you spent or receive plus 5,000 bonus points in case your company spend $10,000 or more in any monthly billing period
- Offers travel incidental fee reimbursement of up to $100 in each calendar year
- Annual fee of $125 is waived for the first year
| Pros | Cons |
| Offers excellent benefits like travel insurance and others | Cash back is credited to the account each quarterly |
| Charges no foreign transaction fee | Charges greater annual fee |
| No extra cost for employee cards |
8. Amazon Business Prime American Express Card
Annual Fee: $0
Introductory APR: No Introductory APR
Regular APR:19.49%- 27.49% (Variable APR)
Credit Card Score Required: 700-749
This card is a solid contender for all business owners who make various purchases on Amazon. The plus point of one of the best small business credit cards of 2024 is that you can earn 5% cash back on purchases at Amazon-owned properties and can easily redeem the points on Amazon purchases. The reward structure depends upon the number of purchases you made through this card from Amazon.com, Amazon Web Services and Whole Foods
Product Details
- As a welcome bonus you get Amazon.com gift card after the verification of Amazon Business Prime American Express Card
- Being in the list of the best small business credit cards of 2024 you have the option to choose 5% cash back or 90 days term on eligible purchases on Amazon Business, Amazom.com , AWS, and Whole Foods market
- Earn 5% cash back if you spend a total amount of $120,00 in each calendar year
- Get 2% cash back at U.S restaurants, gas stations, and telephone services that are purchased directly through U.S service providers
- Earn 1% cash back on all the other purchases
- Get access to expense management tools including Employee card, Amex business application, Vendor Pay, account manager, and much more
| Pros | Cons |
| With each purchase either choose 5% cash back or 90-day term on Amazon and Whole Foods | No introductory APR |
| Offers free employment cards with purchase control | Requires an Amazon Prime Membership |
| No foreign transaction fees |
Best Credit Cards for Online Shopping in 2024
If you are the one who is super fond of getting stuff online , then you can check out the detailed guide on best credit cards for online Shopping in 2024. The top option among the best shopping credit cards is Wells Fargo Active® Cash Credit Card which comes with no annual fee and an easy reward structure to facilitate a large user base.
9. U.S Bank Triple Cash Rewards Visa Business Card
Annual Fee: $0
Introductory APR: 0% Introductory APR for 15 billing cycle
Regular APR: 19.24%- 28.24% (Variable APR)
Credit Card Score Required: 700-749
The U.S Bank Triple Cash Rewards Visa Business Card offers a long list of perks as long as its name. It’s an impressive option with generous welcome bonus and enhanced earnings in multiple categories that align with business spending. Being in the list of best small business credit cards of 2024 it offers a lengthy introductory period for balance transfer and purchases
Product Details
- With one of the best small business credit cards of 2024 you can earn $500 cash back after spending a total amount of $4500 in the first 150 days of account opening
- Get 5% cash back on prepaid hotels and cars rentals that are directly booked through Travel Rewards Centre
- Earn 3% cash back on eligible purchases at gas stations, EV charging points, office supplies, cellphone services, and restaurants mainly
- Get 1% cashback on all the other eligible purchases
- Get $100 annual software credit for recurring software subscription charges
| Pros | Cons |
| Comes with no annual fee | Higher foreign transaction fees |
| Offers introductory APR for balance transfer and purchases | Rewards categories may not align with business spending’s |
| Earn upto 5% ash back on hotels through Travel Reward center |
10. Capital on Tap Business Credit Card
Annual Fee: $0
Introductory APR: No Introductory APR
Regular APR:17.74%- 35.99% (Variable APR)
Credit Card Score Required: 670-850
This one is a simple card with solid value for all the business credit card users. The good aspect is that even if you are freelancer with low credit score you can get this card with ease. Being last in the list of the best small business credit cards of 2024 does not mean that it offers few perks . The good aspect is that it offer 1.5% cashback on almost all the purchases you make.
Product Details
- With one of the best small business credit cards of 2024 you can earn $200 cash back after spending $15,000 in the first 3 months of account opening
- Get 1.5% cash back on all the purchases
- Offers unlimited employee cards with no separate charges
- Customer service is available 24/7 for the ease of users
| Pros | Cons |
| Offers unlimited 1.5% cashback on all the purchases | Limited perks in comparison with other best small business credit cards of 2024 |
| Credit limit is upto $50,000 | Little flexibility in terms of reward redemption |
| No annual and foreign transaction fees |
Frequently Asked Questions
Which business card is suitable for your business ?
The choice of the best business card is totally dependent on the type of business. The Preference of the card is based on multiple factors including cashback , rewards, welcome bonus , introductory Apr and much more. Therefore it is important to look at the reward details of the best small business credit cards of 2024.
What is the easiest credit card to get for small business?
In terms of the credit score the easiest credit card to get in 2024 is Capital on Tap Business Credit Card. Although the perks are fewer but with low credit card score you can apply for this cards and save on your future purchases.
