Business cards are a viable option for entrepreneurs who are looking for the best options to promote and expand their businesses. As every penny you spend on the growth of your business counts a lot so for all business transactions, business cards are rewarding in all aspects. The best business credit cards offer rich ongoing rewards that can help you reach your goals at a faster pace.
If you are worried about the approval and terms and conditions for the best business credit cards, fret not as cards offer a different structure and you will likely find one that fit well with your budget and needs. The approval of the card majorly depends on personalized credit history, current credit standing, sort of business, and much more. It is highly important to consider your business spending such as advertising, travel, and telecom, and then accordingly go for cards with these bonus categories or the one that offers flat rate cashback. Moreover, if not a single card, the combination of the best business credit cards is another way to maximize your rewards, welcome bonuses, and other offers.
Here are the top picks for the best business credit cards of 2024, which include multiple options from American Express, and Chase among others.
Table of Contents
Quick Overview – Best Business Credit Cards of 2024
- The Blue Business® Plus Credit Card from American Express – Overall best business card with flexible rewards
- Ink Business® Unlimited Credit Card – Best business card with great cashback offers
- Ink Business Cash® Credit Card – Best flat rate cashback business card
- Capital One Spark Cash Plus – Best business card for heavy spenders
- American Express® Business Gold Card – Best business card for enhanced earnings
- Capital One Venture X Business – Best welcome offer and travel rewards for business class
- Brex 30 Card – Best businesscard without a personal guarantee
- United ClubSM Business Card – Best airline credit card for businesses
- World of Hyatt Business Credit Card – Best hotel card for businesses
- Ink Business Premier Card – Best business charge card
Charting the Best Business Credit Cards of 2024
| Card | Annual fee | Best perk for business | Intro offer |
| The Blue Business® Plus Credit Card from American Express | $0 | Flexible rewards on all purchases, cell phone protection, and purchase protection | 0% APR on purchases for 15 months from account opening (on select purchases) |
| Ink Business® Unlimited Credit Card | $0 | Earn 1.5% cash back on all eligible purchases | 0% introductory APR for 12 months on purchases from account opening |
| Ink Business Cash® Credit Card | $0 | Earn 5% cash back on cell phone service, internet, cable TV, and select streaming services, 2% cash back on gas and office supplies, and 1% cash back on all other eligible purchases | 0% introductory APR for 12 months on purchases from account opening (on select purchases) |
| Capital One Spark Cash Plus | $150 | Earn 2% cash back on all eligible purchases | Earn an unlimited 20% cash back match on the total cash back you earn at the end of your first year |
| American Express® Business Gold Card | $295 | Earn 4x Membership Rewards® points on U.S. purchases on shipping and 2x Membership Rewards® points on the first $100,000 in annual U.S. purchases on select airfare and gas at U.S. gas stations | 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card in your first 3 months of Card Membership. Terms Apply. |
| Capital One Venture X Business | $395 | Earn 5 miles per dollar on flights booked on capitalone.com and 2 miles per dollar on all other eligible purchases | Earn 75,000 bonus miles after you spend $4,000 on purchases with your new card within 3 months of account opening. |
| Brex 30 Card | $0 | No personal guarantee, free employee access, and generous rewards on travel, office, and software purchases | None |
| United Club℠ Business Card | $450 | Receive a United Club membership, 2 free checked bags on United and United Express flights, and 50% off in-flight Wi-Fi purchases | Earn 80,000 bonus miles after you spend $5,000 on eligible purchases within the first 3 months of account opening. |
| World of Hyatt Business Credit Card | $199 | Earn 9 points per dollar spent at Hyatt hotels and 2 points per dollar spent at restaurants, gas stations, and fitness clubs | Earn 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months from account opening. |
| Ink Business Premier Card | $195 | Earn points that can be redeemed for travel, cash back, and gift cards. You can also earn 6x points on shipping, 3x points on internet, cable, and phone services, and 1 point per dollar on all other eligible purchases | 100,000 points after you spend $15,000 on purchases in your first 3 months from account opening. |
1. The Blue Business® Plus Credit Card from American Express
Welcome Offer: Earn 15,000 Membership reward points after making purchases of $3,000 in the first 3 months
Reward Rate : 1%-2% cashback
Annual Fee: No annual fee
Regular APR: 18.49% – 26.49% (Variable APR)
Credit Score: Good to Excellent ( 700-749)
The Blue Business® Plus Credit Card from American Express is the top pick among the best business credit cards that offer excellent rewards and earnings. This card comes with no annual fee and you can easily get 2x points on multiple purchases with a spending cap of $50,000 per year. This card is ideally good for small businesses as it starts with a solid introductory APR and later racks up the rewards.
In brief, this card is geared toward those who are eager to earn Membership reward points but with no annual fee.
Card Details of #1 Best Business Credit Cards
- As a welcome bonus you earn 15,000 Membership Reward point after you spend $3,000 in eligible purchases in the first 3 months of the card membership
- 0% introductory APR period for a duration of 12 months then a variable APR of 18.49% – 26.49 will be charged based on your creditworthiness.
- With one of the best business credit cards earn 2x Membership rewards on everyday purchases that include dine-out, office supplies, and much more. The mandatory condition for this is that you should spend at least $50,000 in purchases using this card.
- The Blue Business® Plus Credit Card from American Express gives you the favor to use the card beyond its credit limit with expanded buying power. The amount you can spend in this case is not unlimited and it entirely depends upon payment and credit card history.
| Pros | Cons |
| Charges no annual fee | Charges foreign transaction fees |
| Wide variety of airline transfer partners for travel | Hold lesser value for businesses that have a greater spending cap than $50,000 |
| High reward rate with an annual spending cap |
2. Ink Business® Unlimited Credit Card
Welcome Offer : Earn $900 bonus cash back after you spend a total of $6,000 on purchases in the duration of first 3 months
Reward Rate: 1.5% cashback
Annual Fee: No annual fee
Regular APR: 18.49% – 24.49% (Variable APR)
Credit Score: Good to Excellent (700-749)
This card among the Chase lineup offers a high-rate cashback for all business owners. When this card is paired with the premium Chase Ultimate Rewards card, rewards hold greater value for you. Moreover it offers a hassle-free process to get cashback rewards with no spending limit. Being in the list of the best business credit cards, it comes with no annual fee and no bonus categories to keep tabs on.
Overall, by getting unlimited 1.5% no-frill cash back, you can benefit from this card in the best possible way.
Card Details of #2 Best Business Credit Cards
- Earn $900 cash-back bonus after you spend a total of $6,000 on eligible purchases on the card in the first 3 months
- Get unlimited 1.5% cash back on every purchase you make
- Easy way to redeem rewards for gifts, cash back, and travel through Chase Ultimate Rewards®
- Earn greater rewards with the employee cards at no additional cost. You can also set individual spending limits for greater control
- 24/7 monitoring for unusual credit card purchases
- Zero liability and you won’t be held responsible for unauthorized charges made with your card
- Being one of the best business credit cards , it offers 0% introductory APR for a period of 12 months
| Pros | Cons |
| Unlimited 1.5% cashback | Charges high foreign transaction fees |
| Generous welcome bonus | Not a great option for balance transfer |
| Cashback are generally awarded as Ultimate Rewards and has better redemption options |
3. Ink Business Cash® Credit Card
Welcome Offer: Earn $900 cashback bonus after you spend a total of $6,000 on purchases in the first 3 months after account opening
Reward Rate: 1%-5% cashback
Annual Fee: No annual fee
Regular APR: 18.49% – 24.49% (Variable APR)
Credit Score: Good to Excellent (700-749)
For all the heavy spenders, the Ink Business Cash® Credit Card offers enticing cashback rewards. This card is a viable option among the cashback cards that can also be paired with the Chase ultimate rewards earning card to earn more value. Being the card with no annual fee , it offers car rental protections that are not offered by other cards in the list.
Being in the list of the best business credit cards, you can easily earn 5% cashback on multiple purchases you make for your business. Overall, this card is good for all business travel expenses and other office necessities with greater flexibility and cashback opportunities.
Card Details of #3 Best Business Credit Cards
- Get $900 as a welcome bonus after you spend $6,00 on purchases in the duration of first 3 months after account opening
- Earn 5 % cashback on combined purchases of $25,000 for internet , cable, phone services , office supplies on each account anniversary
- Get 2% cashback on combined purchases for restaurants and gas stations with a spending limit of $25,000 on each account anniversary.
- Earn 1% cashback on all the other purchases you make
- Being in list of the best business credit cards, it provides 0% introductory APR period for a duration of 12 months
- With this card, you won’t be responsible for unauthorized charges made with your card
- Easily redeem rewards for cashback , gift card , travel and more through the Chase Ultimate Rewards®
| Pros | Cons |
| Charges no additional fees for the employee cards | High charges for balance transfers and cash advances |
| High reward rate with combined spending on certain bonus categories | Low reward rate outside the bonus categories |
| Great welcome bonus |
4. Capital One Spark Cash Plus
Welcome Offer: Earn $1200 one-time cashback bonus after you spend a total of $30,000 on purchases in the first 3 months after the account opening
Reward Rate: 2%-5% cashback
Annual Fee: $150
Regular APR: No but terms and conditions are applicable
Credit Score: Excellent (700-850)
The Capital One Spark Cash Plus stands out from the rest of the cashback and business cards as it offers a generous welcome bonus along with no foreign transaction fee. Considering the perks of this card the annual fee $150 is palatable in comparison with the high-end cards. Being one of the good options among the best business credit cards, it offers no spending limit for earning cashback.
Overall, the card is geared towards all the large-scale business owners who spend big to earn big with Spark Cash Plus.
Card Details of #4 Best Business Credit Cards
- Earn one-time amazing cashback bonus of $1,200 after you spend $30,000 in the first 3 months
- With one of the best business credit cards, you can earn unlimited 2% cash back on purchases with no restriction on the spending limit
- This card comes with no preset spending limit and adapts perfectly to your spending behavior and payment behavior
- After spending a total of at least $150,000 per year you get your annual fees refunded
- Earn 5% cashback on rental cars and hotels that are booked through Capital One Travel
- The Capital One Spark Cash Plus gives you the option to add employee cards and gain unlimited 2% cashback on their purchases
- Capital One Spark Cash Plus has no APR as your balance is due every month
5. American Express® Business Gold Card
Welcome Offer:Earn 70,000 Membership Rewards point with a total spending of $10,000 on eligible purchases in the first 3 months
Reward Rate: 2%-5% cashback
Annual Fee: $295
Regular APR: 19.49% – 27.49% (Variable APR)
Credit Score: Good to Excellent (700-749)
This card is geared towards all the business who have heavy spending to earn 4x points rate on eligible purchases. The American Express® Business Gold Card have no rotating bonus categories so that card holders have the maximum chance to earn rewards . You can easily spend on your business needs and can expect enticing rewards with the usage of this card.
Overall , Amex has various hotel and airline partners making it easy to transfer points . To increase the value of the existing points , you can transfer it to airline partner you prefer to fly with for your business meetings.
Card Details of #5 Best Business Credit Cards
- As a welcome offer you can earn 70,000 Membership Rewards® point with eligible purchases of $10,000 with Business Gold Card in the first 3 months
- Being in the list of best business credit cards, you can earn 4x Membership reward points after spending on two of your chosen categories in each billing cycle. To earn 4X points you have to spend at least $150,000 each calendar year
- Earn 3x Membership Rewards points on hotels and flights that are booked through amextravel.com
- With one of the best business credit cards, you get $20 as a statement credit after the use of a Business Gold Card at Office Supply Stores, FedEx, and GrubHub. This can eventually result in an annual saving of at least $240
- Get $12.95 back in the statement credit in case you pay for the Walmart+ membership with your Business Gold card.
| Pros | Cons |
| Flexible redemption and point transfer options | High annual fee relative to the benefits |
| Robust travel benefits | High spending limit of $150,000 to earn 4x points |
| Automatically gain 4 points per dollar on the highest spending categories on each billing cycle | |
| Offers 25% airline redemption rebate when travel booked through Amex |
6. Capital One Venture X Business
Welcome Offer: Earn 150,000 travel miles after you spend a total of $30,000 in the first 3 months of account opening
Reward Rate: 2x-10x miles
Annual Fee: $395
Regular APR: No APR terms and conditions are applicable
Credit Score: Good to Excellent (700-749)
The Capital One Venture X Business offers great rewards and is a good addition to the wallet of heavy spenders . In comparison with the other premium travel cards , the perks and the fee is justified. And all the business owners who prefer to travel in luxury , this card is a viable choice.
Although the spending limit for the welcome bonus is guarded by high spending but if you don’t spend this much amount , this card is not fit for you . Overall , this card is specifically designed for all the business owners with serious expenses.
Card Details of #6 Best Business Credit Cards
- Earn unlimited 2x points on every purchase with no category restrictions
- No preset spending limit and the card adapts to your purchase and spending behavior
- With one of the best business credit cards, you have the chance to earn 150,000 bonus miles after you spend $30,000 in the first 3 months
- Redeem your miles on hotels, flights and more. Easily transfer your miles to 15+ travel loyalty programs
- Earn 10x miles on rental cards and hotels while 5 x miles on flights that rea directly booked through Capital One Travel
- On each account anniversary you get 10,000 bonus miles and receive annual $300 credit for booking through Capital travel
- Being one of the viable options among the best business credit cards, you get free employee cards
- Skip the hassle of long lines with up to $100 statement credit on Global Entry and on TSA PreCheck® and then enjoy complimentary access to the Capital One Lounges
- This card is pay in full card and the balance is due every month in full amount
| Pros | Cons |
| Provides access to lounge membership | High annual fee relative to the benefits |
| High reward rate in comparison to other business cards | Requires excellent credit to opt for this card |
| Generous welcome offer |
7. Brex 30 Card
Welcome Offer:Earn 10,000 points after you spend a total of $3,000 in the first 3 months of account opening
Reward Rate:1x-7x miles
Annual Fee: $0
Regular APR: No APR terms and conditions are applicable
Credit Score: No Credit check
This card is primarily designed for well-funded startups and comes with lenient terms and conditions. Being on the list of best business credit cards, it requires no annual fee offers dynamic credit limit that move according to your cash flow. Moreover, richer rewards are exclusively for those with Brex exclusive along with big discounts on certain products.
In brief , this card is specifically for those who already have a big bank account to earn the big sign-up bonus of this card.
Card Details of #7 Best Business Credit Cards
- With one of the best business credit cards, you can earn 10,000 signup bonus points after spending a total of $3,000 in the duration of first 3 months
- Brex offers corporate cards for companies to increase their spending power and grow at a faster pace
- Get 10-20 x higher limits in comparison with the other business cards like 7x on rideshare while 2x on recurring software’s
- With automatic monthly payments on this card you can gradually build business credit
- Being in the list of the best business credit cards , it requires no credit check , personal guarantee , account fee and interest charges
- Save time and money with the built in expense management and automatic receipt matching to gain insights on your total spending.
- Have the offer to issue unlimited virtual cards to your team and set custom limits.
- To get approved for a Brex card, business need a linked bank balance of at least $50,000
| Pros | Cons |
| Generous rewards on multiple spending categories | Cannot carry a balance |
| No credit check and personal guarantee required | High capital requirement for approval |
| New card holder bonus offer |
8. United ClubSM Business Card
Welcome Offer: Earn 70,000 bonus miles after you spend a total of $5,000 in the first 3 months of account opening
Reward Rate: 1x-5x miles
Annual Fee: $450
Regular APR: 21.74%-28.74% (Variable APR)
Credit Score: Good to Excellent (700-749)
This card is specifically designed for all the business owners who love to travel often on United and want to enjoy luxurious perks. The annual fee might feel hefty at first glance but the perk makes it the strong contender among the best business credit cards. Alone the United Club lounge membership cost $550 a year, which is included for free in the card expenses.
Overall , for All the frequent business travelers this card is of utmost importance as it helps you to earn 1.5 miles per dollar on all purchases.
Card Details of #8 Best Business Credit Cards
- With this card, you get the chance to earn 75,000 miles after you spend $5,000 in the first 3 months of account opening
- Being one of the best business credit cards, you can easily earn 2 miles per dollar on United purchases while 1.5 miles per dollar on all other purchases
- Get access to United clubs and other participating Star Alliances affiliated lounges across the world
- Get first and second bags checked on United flights for luxury travel perks
- Get 25% back on United in-flight purchases
- This card provides all sorts of travel protections that include trip cancellation interruption insurance, baggage delay insurance and much more
| Pros | Cons |
| Business class travel perks that include Premier Access | Charges high annual fee |
| Free United Club lounge membership | Lack of common bonus categories |
| Free employee cards |
Best Airline Credit Cards to Win Awards in 2024
Frequent travelers always seek for great rewards and travel miles to get the most out of the airline credit card. All the premium airline credit cards offer great introductory offers to facilitate a large number of travelers.
9. World of Hyatt Business Credit Card
Welcome Offer: Earn 75,000 points after you spend a total of $5,000 in the first 3 months of account opening
Reward Rate: 1x-5x miles
Annual Fee: $199
Regular APR: 21.49%- 28.49% (Variable APR)
Credit Score: Good to Excellent (700-749)
The world of Hyatt business credit card is geared towards all the small businesses seeking greater perks. This card has several stand-out features like an adaptive accelerator that can help you earn bonus points on the categories you spend heavily. Another good aspect is that there is no cap on the amount of bonus points you will be able to earn each quarter. In brief, you can reap the benefits of this card if you are a loyal World of Hyatt member.
Card Details of #9 Best Business Credit Cards
- With this card you get 60,00 bonus points after you spend a total of $5,000 on eligible purchases in the first 3 months . Moreover being one of the best business credit cards, you get 15K bonus points after you spend $12,000 in the first 6 months
- Get 9 points per dollar at Hyatt, 4 points per dollar for card usage at Hyatt hotels and 5 base points per dollar as a World of Hyatt member
- Get 2 bonus points on spending at fitness club and gym memberships
- 1 bonus point per dollar on all the other eligible purchases
- Get up to $100 Hyatt statement credit if you spend $50 or more on Hyatt property and get $50 statement credit 2 times on each anniversary
- For every $10,000 you spend annually, you get 5-tier qualifying night credits towards status
| Pros | Cons |
| Offers a solid earning rate | Base level status with the card offer limited perks |
| Get automatic Discoverist status | Low earning rate for non-bonused categories |
| Generous welcome bonus |
10. Ink Business Premier Card
Welcome Offer: Earn 1,000 points after you spend a total of $10,000 in the first 3 months of account opening
Reward Rate: 2%-5% cashback
Annual Fee: $195
Regular APR: 19.49%- 27.49% (Variable APR)
Credit Score: Good to Excellent (690-850)
This card is a solid option for all those businesses that spend heavily throughout the year. The Ink Business Premier Card can help you earn points that are convertible to cash with 100 points for each dollar. The points earned through this card can be easily used to purchase gift cards or Apple products at a rate of cents a point.
In a nutshell, being on the list of best business credit cards, it lets you concentrate on earning cash back .
Card Details of #10 Best Business Credit Cards
- With one of the best business credit cards, you will be able to earn $1000 cashback bonus after spending $10,00o on purchases in first 3 months
- Get a chance to earn unlimited 2.5% cash back on total purchases of more than $5,000 and unlimited 2% on all other business purchases.
- Get unlimited 5% cash back on travel that is purchased through the Chase Ultimate Rewards
- Being the last but viable option among the best business credit cards it offers greater rewards , increased spending power for all those businesses who pay in full each month
- With this card you can purchase with confidence with fraud protections, zero liability protection, purchase protection, cellphone protection, and more
- Get free employee cards with the ability to set purchase alerts, spending limits and more
| Pros | Cons |
| High reward rate | Requires good to excellent credit |
| No foreign transaction fee | Purchases that do qualify for Flex for business have to be paid in full each month |
| New cardholders can enjoy generous welcome bonus |
Frequently Asked Questions
Which is the best small business credit cards?
The best small business credit card offers easy access to a revolving line of credit with a certain credit limit to make purchases. The card that offers great perks to small business owners is World of Hyatt Business Credit Card.
Which business credit cards have a low interest rate?
Among the best business credit cards, the card that offers 0% APR for a certain duration of time and then a regular variable APR ranging from 18.49% – 24.49% will be charged
