business credit cardsThe Best Credit Cards
For Business

Business credit cards offer business owners a way to separate business expenses from personal accounts, earn points or miles on their many business purchases and itemize monthly expenses easily. How do you choose the right card for your business? Consider how much you spend each month, whether you plan to pay off your balance each month, and what kind of rewards would be most beneficial to you and your business. Here are our favorite business credit cards based on rewards structure, business-related benefits and APR.

Gold Delta SkyMiles® Business Credit Card from American Express

DeltaSky MIles Business Credit Card

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
  • Terms and limitations apply.

Bonus

30,000 miles

Intro APR

N/A

Ongoing APR

16.24%, 18.24% or 20.24% variable

Annual Fee

$0 first year; then $95

Business Green Rewards Card from American Express OPEN

American Express Business Green Rewards Credit Card

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  • Get 5,000 Membership Rewards® points after your first purchase on the Card.
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website.
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases.
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants.
  • No pre-set spending limit.
  • $0 introductory annual fee for the first year, then $95.

Bonus

5,000 points

Intro APR

N/A

Ongoing APR

N/A

Annual Fee

$0 first year; then $95

SimplyCash® Plus Business Card from American Express OPEN

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  • Special offer: Earn up to $400 cash back. Earn a $200 statement credit after spending $5,000 or more in qualifying purchases on your Card within the first 6 months PLUS earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership
  • 0% interest on purchases for 9 months.
  • No annual membership fee.
  • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers.
  • 3% cash back on the category of your choice from a list of eight categories and 1% cash back on other purchases.
  • 5% and 3% apply to purchases up to $50,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

Bonus

$250 credit

Intro APR

0% on purchases for 9 months

Ongoing APR

13.24%-20.24% variable

Annual Fee

$0

The Business Gold Rewards Card from American Express OPEN

american express business card front

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  • Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Terms and limitations apply
  • Get 3x points – Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Visit our credit card partner’s site in order to learn more and securely apply for the Business Gold Rewards Card from American Express OPEN

Bonus

50,000 points

Intro APR

N/A

Ongoing APR

N/A

Annual Fee

$0 first year; then $175

The Business Platinum Card® from American Express OPEN

american express business platinum

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  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn  50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases on the Business Platinum Card within your first 3 months of Card Membership.
  • Get 50% more points on large business eligible purchases of $5,000 or more. Up to 1 million additional Membership Rewards®points per year. That’s 1.5 points per dollar.
  • Plus, continue to get one point per dollar for qualifying purchases under $5,000
  • 35% Airline Bonus: Use Membership Rewards Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 bonus points per calendar year.
  • There are two types of eligible fares:
    • First and Business Class tickets with all airlines available through American Express Travel.
    • Any fare class with your selected qualifying airline.
  • You can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Terms & Restrictions Apply

Bonus

Welcome Offer: Up to 75,000 points

Intro APR

N/A

Ongoing APR

N/A

Annual Fee

$450

Capital One® Spark® Miles for Business

Capital One Spark Miles Business Credit Card

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  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don’t expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There’s no limit to the amount of miles you can earn and miles don’t expire
  • Redeem miles for travel, cash back, gift cards, and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Bonus

50,000 miles

Intro APR

N/A

Ongoing APR

17.99% variable

Annual Fee

$0 first year; then $59

Capital One® Spark® Cash  for Business

Capital One Spark Cash forBusiness

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  • Earn 2% cash back on every purchase, every day.
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.
  • Cash rewards don’t expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • No foreign transaction fees.
  • Earn unlimited cash rewards that don’t expire.

Bonus

$500 cash bonus

Intro APR

N/A

Ongoing APR

17.99% variable

Annual Fee

$0 first year; then $59

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

american airlines aadvantage platinum citi card

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  • Designed for businesses
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines flights for you and up to four companions traveling with you on the same reservation*
  • Enjoy Group 1 Boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations2
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*

Bonus

30,000 miles

Intro APR

N/A

Ongoing APR

16.74 – 24.74%% variable

Annual Fee

$0 first year; then $95

Starwood Preferred Guest® Business Credit Card from American Express

starwood preferred guest card from american express front

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  • Get 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • Earn up to 5  Starpoints® . For each dollar of eligible purchases at participating SPG®hotels – that’s 2 Starpoints® for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints® for which you may be eligible as an SPG® member.
  • Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,300 hotels and resorts in over 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and conditions apply.

Bonus

25,000 Starpoints

Intro APR

N/A

Ongoing APR

16.24%, 18.24% or 20.24% variable

Annual Fee

$0 first year; then $95

Ink Business CashSM  Card

Chase Ink Business Cash (Service Mark) Card. VISA

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  • $300 Bonus Cash Back. After you spend $3,000 on purchases in the first 3 months after account opening.
  • 0% intro APR on purchases and balance transfers for the first 12 months, after that a variable APR of 14.24% – 20.24%.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores, on internet, cable & phone services each account anniversary year.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations & restaurants each account anniversary year.
  • Earn 1% cash back on all other purchases with no limits on the amount of cash back you can earn.
  • Redeem for cash back, travel, gift cards and more – your points don’t expire as long as your account is open.
  • No annual fee

Bonus

$300 cash back

Intro APR

0% on purchases and balance transfers for 12 months

Ongoing APR

14.24% – 20.24% variable

Annual Fee

$0

* See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply” button, you can review the credit card terms and conditions on the provider’s website.