The Best Small Business Credit Cards

The Blue Business® Plus Credit Card from American Express offers excellent spending power and reward-earning potential for small businesses. With 2 points per dollar on your first $50,000 in business purchases, you’ll rack up points quickly with no annual fee.
Pros:

• High 2X rewards rate on your first $50,000 in spending
• No annual fee
• Option to spend beyond your credit limit

Cons:

• Foreign transaction fee
• Low rewards rate after you spend $50,000
• Low sign-up bonus

• 15,000 Membership Rewards points when you spend $3,000 on eligible purchases in the first three months
• After you spend $50,000, you’ll still earn 1 point per dollar on all purchases
• Access Expanded Buying Power to spend beyond your credit limit

If you want to maximize bonus rewards without worrying about spending in the right categories, this business credit card from U.S. Bank is a great choice. Automatically earn 2% cash back in your top two spending categories each month without doing anything, and enjoy a generous sign-up bonus if you spend $7,500 in the first 120 days.
Pros:

• Earn the most where you spend the most, without
• signing up for special categories
• No foreign transaction fee
• No reward caps

Cons:

• Low rewards rate outside your top spending categories
• $95 annual fee after first year
• No intro APR

• $750 in rewards when you spend $7,500 in the first 120 days
• 2% cash back on your top two spending categories each month, without any action from you
• 5% cash back on hotels and car rentals booked through the Rewards Center
• 1% cash back on all other purchases
• Use U.S. Bank ExtendPay™ Plan to pay for some purchases over time with no interest

This card is designed for United flyers, but you’ll also earn solid rewards on everyday spending. Its 1.5X-mile rewards on all purchases are stronger than many other business cards, and you’ll also earn 2X miles on United flights. The free United Club membership makes the annual fee well worth it.
Pros:

• Generous 75,000 sign-up bonus
• United Club membership more than offsets annual fee
• Solid 1.5X everyday rewards rate

Cons:

• High annual fee
• No additional bonus categories outside United
• No intro APR

• 75,000 bonus miles when you spend $5,000 in the first three months
• Unlimited 2X miles on United, 1.5X miles on all other purchases
• Luxury travel benefits include Premier Access
• Free employee cards

With the World of Hyatt Business Credit Card, you can boost your status with Hyatt Hotels and earn substantial rewards for your travels. The card also offers decent rewards on your top spending categories outside of Hyatt hotels.
Pros:

• 9X points on Hyatt spending
• Automatic World of Hyatt Discoverist status for you and
• five employees
• 60,000 bonus-point sign-up offer

Cons:

• Annual fee
• Limited rewards for basic spending outside bonus categories
• No intro APR

• 60,000 bonus points when you spend $5,000 in the first three months
• 9X points for all Hyatt hotel spending
• Earn 2X points for your top three spending categories each quarter (drops to top two as of 1/1/24)
• 2X points on fitness clubs and gym memberships
• 1X points on all other spending
• Earn $50 two times per year when you spend $50 at Hyatt properties
• Earn five credits toward status and Milestone rewards for every $10,000 you spend each calendar year

When launching your own business, you may want to protect your personal credit as much as possible. The Brex 30 card helps you do that. With no credit check, personal guarantee requirements or interest charges, this card allows you to build your business credit history risk-free.
Pros:

• No personal guarantee leaves your personal credit protected
• 10–20X higher limits than traditional business cards
• No account fees or interest charges

Cons:

• Can’t carry a balance
• Must spend $9,000 in first 30 days to earn sign-up bonus
• Requires a linked bank balance of at least $50,000

• 50,000 bonus points when you spend $9,000 in the first 30 days
• 7X points on rideshare services, 2X points on recurring software fees
• Automatically pay your balance every month, avoiding interest and building your business credit
• Unlimited virtual cards with custom limits for your employees

Ink Business Cash® lives up to its name by making it easy to earn cash back fast. With a generous welcome bonus and key bonus categories for boosting rewards on business spending, you can quickly earn points to redeem for cash, gift cards and more on Chase Ultimate Rewards.
Pros:

• Generous $750 welcome bonus
• 0% intro purchase APR for 12 months
• No annual fee

Cons:

• Spending cap on bonus categories
• Low rewards potential outside of select categories
• High fees for cash advances and balance transfers

• $750 bonus cash back when you spend $6,000 in first three months
• 5% cash back on first $25,000 in combined purchases for internet, cable and phone services and office supply stores each account anniversary
• 2% cash back on first $25,000 in combined purchases at restaurants and gas stations each account anniversary
• 1% cash back on all other purchases
• Use Chase Ultimate Rewards to redeem rewards for cash, travel, gift cards and more

This credit card takes the benefits of the Ink Business Cash® card to the next level, offering more cash back in high-value business spending categories such as travel, shipping and social media advertising. The 100,000-point sign-up bonus is nearly unmatched, especially if you redeem through Chase.
Pros:

• Best-in-class sign-up bonus
• Small annual fee compared to reward potential
• No foreign transactions

Cons:

• High cash advance fee
• High balance transfer fee
• Must spend $15,000 in the first three months to earn bonus

• 100,000 bonus good for up to $1,250 cash back through Chase Ultimate Rewards
• 3X points on first $150,000 in shipping purchases, travel, internet, cable and phone services, and social media and search engine advertising each account anniversary
• 1X points on all other purchases
• New purchases covered for 120 days against theft or damage (up to $10,000 per claim and $50,000 per account)