Make sure you take this into account if you plan on carrying a monthly balance. With this business credit card, you don’t have to spend as much to get rewards points best small business credit cards with the Blue Business Plus Credit Card from American Express. The account activity on personal credit cards gets reported to the three major credit bureaus — Experian, Equifax and TransUnion. At the same time, the January 2024 Senior Loan Officer Opinion Survey on Bank Lending Practices showed tighter underwriting standards for business loans.

Do I Need A Business Credit Score To Apply For A Business Credit Card?

Therefore, actively managing your business credit card usage is a strategic step toward long-term financial success and growth. The best business credit cards offer rewards and benefits while helping to boost your business credit score. Freelancers, solopreneurs, partnerships, LLCs, and corporations may all be eligible. Ultimately, your chances of approval depend on both your business and personal credit scores.

When To Choose The Chase Business Ink Preferred Card

Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. If you’re looking for a quick way to see which Capital One Business cards you qualify for—without impacting your personal credit—you may want to consider getting pre-approved.

In addition, there are some other important differences between business and corporate cards in regard to account opening and cost. When it comes to welcome bonuses, Chase Ink Business preferred offers one of the largest welcome bonuses in the business credit card space. If you intend to do significant spending on your new business credit card immediately upon getting it, the Chase Ink Business Preferred card rewards is worth looking into. If you spend $8,000+ with your Ink Business Preferred card within 3 months of opening your account, you’ll get a whopping 120,000 point bonus. While this bonus is worth $1,200 when redeemed for cash back or $1,500 when redeemed for travel. Since each merchant operates from a different place of need, there is no one definition of what makes the “best” overall business credit card.

The American Express Blue Business Cash™ Card

Each individual business may have a different ideal number of business credit cards. Carrying multiple business cards may allow you to earn more varied and higher rewards and provide a more comprehensive set of business benefits, but managing multiple accounts requires more time and oversight. The two most common types of business credit cards are either small business cards or corporate cards. The recommendations on our list include small business cards, which can be applied for without establishing a custom financial arrangement. With 1.5% cash back on purchases and no bonus categories to worry about, you can spend your time focusing on your small business instead of your credit card. Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements.

• Certain services available through Brex may be provided by Brex Payments LLC (NMLS # ), an affiliate of Brex and a licensed money transmitter.
• Among the most valuable business credit card benefits, these cards earn points or miles as part of robust rewards programs.
• This table highlights the annual fees, regular APRs, and special features of each card to help you make an informed decision.
• The flip side is that business card welcome bonus offers can have larger minimum spending requirements.
• We’ve compiled a list of the best business rewards credit cards with rewards options to fit multiple business spending habits and rewards redemption options.
• For businesses looking to grow their funds and earn yields, I think Bethpage is an ideal choice.

American Express Business Gold Card: Best For Custom Rewards

They usually offer automated receipt capture, custom approval workflows, and detailed spending analytics across departments. Many include working capital features, supply chain financing options, and vendor payment automation. Finding the perfect business credit card can improve how your company manages money, tracks expenses, and fuels growth.

Spark® Miles from Capital One®

Also, examine whether the card offers a grace period for purchases and how it handles late payments, as these policies can significantly impact your cash flow management. Business credit cards can help small-business owners track expenses, manage day-to-day operations and separate their business from their personal spending. A merchant cash advance is an attractive option for companies processing customer credit cards.

However, corporate credit cards have disrupted this tradition by basing business card eligibility on business structure and cash flow rather than credit scores and personal guarantees. You won’t be able to carry a monthly balance with a corporate card, but you will get access to funds for business purchases and employee purchases (generally with higher credit limits). If you don’t have a business credit score yet, check out the best corporate credit cards to see your options. A business credit card allows business owners to make purchases and earn business-specific rewards for spending. Depending on the structure of the business credit card, you’ll also be building your business credit score as opposed to your personal credit score.

This midrange card focuses more on a path to earnings than showering you with benefits. That said, cardholders can still make use of two EarlyBird check-ins per year, 25% off in-flight purchases and a head start toward earning the companion pass, thanks to a 10,000-mile boost of qualifying points. Cardholders interested in earning status can make great use of the ability to earn unlimited tier qualifying points through business spending. Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit.

Our pick for best business gas credit card is the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. You’ll earn a high rate of cash back on the first $50,000 you spend in the category of your choice, including gas. Plus, this card is worth keeping in your wallet for other business expenses, since you’ll earn cash back on every purchase. The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees) earns 2 points per dollar on the first $50,000 of spending annually (then 1 point per dollar), which is a sweet deal. The card also has an introductory APR offer, which can help a new business acquire inventory or pay upfront expenses and have time to pay in full without accruing interest.

• No personal guarantee business credit cards evaluate eligibility based solely on your business’s creditworthiness, revenue, and financial history — not your personal credit.
• American Express Blue Business Plus card has a 30,000 bonus points welcome offer if you spend $6,000 in the first 3 months.
• Small businesses who spend heavily at office supply stores and on internet, cable and phone services will find the Ink Business Cash to be a perfect fit.
• Start by determining whether your business could use travel rewards or cash back.
• As a welcome bonus, you can earn 50,000 bonus miles after you spend $4,500 on purchases in your first 3 months.
• By calculating how much the business would earn in rewards with each card and subtracting any applicable fees, a small business owner can compare expected savings and choose the best card.

There are also no ongoing rewards, so there isn’t a compelling reason to hold onto the card after the introductory APR expires. Other card benefits are light, but businesses can add free employee cards and set spending controls to keep things running without issue. The Amex Business Gold card has an exciting welcome bonus with a fresh look in white gold.

Issuers evaluate business financials and usage to determine eligibility. Established businesses with strong revenue ($1M+) and solid business credit profiles looking to completely separate personal and business liability. These cards are particularly valuable for larger corporations and established LLCs that want to protect personal assets while maintaining high purchasing power. Businesses with multiple shareholders who prefer not to have personal liability tied to business expenses will also benefit.