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9+ Best business credit cards for 2024

Find a combination of useful business perks, strong rewards and flexible financing options.

Finder’s expert credit card team spends hundreds of hours comparing over 100 business credit cards. We based our list of the top-10 performing business cards on several factors, including:credit requirements, annual and balance transfer fees, APRs, reward opportunities, signup bonuses and additional business features. Finder’s experts provide unbiased, trustworthy evaluations of all business credit cards and providers, not just those we partner with on the site.

10 best business credit cards

Best for rewards on office supplies, Internet and phone

Ink Business Cash® Credit Card

4.5
★★★★★

Finder score

Welcome Offer$350
RewardsUp to 5% cash back
Annual fee$0
Minimum credit score670

Best for no personal guarantee required

Brex Card

4.9
★★★★★

Finder score

Go to site
Welcome OfferOther
RewardsUp to 8x points
Annual fee$0
Minimum credit scoreNew / limited credit

Best for unlimited cash back

Ink Business Unlimited® Credit Card

4.4
★★★★★

Finder score

Welcome Offer$750
RewardsUp to 1.5% cash back
Annual fee$0
Minimum credit score670

Best business credit card for signup bonus

Ink Business Preferred® Credit Card

4.4
★★★★★

Finder score

Welcome Offer90,000 points
RewardsUp to 3x points
Annual fee$95
Minimum credit score670

Best for new businesses

Ramp Visa® Commercial Card

4.5
★★★★★

Finder score

Go to site
Welcome Offern/a
RewardsUp to x n/a
Annual fee$0
Minimum credit score670

Best for selecting your bonus category

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.4
★★★★★

Finder score

Welcome Offer$300
RewardsFrom 1% cash back
Annual fee$0
Minimum credit score740

Best business credit card for balance transfers

U.S. Bank Business Platinum

3.4
★★★★★

Finder score

Terms apply, see rates & fees.
Welcome Offern/a
RewardsNone
Annual fee$0
Minimum credit score740

Best business credit card for luxury travel

The Business Platinum Card® from American Express

4.4
★★★★★

Finder score

Go to site
Terms apply, see rates & fees.
Welcome Offer150,000 points
RewardsUp to 5x points
Annual fee$695
Minimum credit score670
Terms apply to American Express benefits and offers.

Best airline business card

Delta SkyMiles® Reserve Business American Express Card

4.3
★★★★★

Finder score

Go to site
Terms apply, see rates & fees.
Welcome Offer80,000 miles
RewardsUp to 3x miles
Annual fee$650
Minimum credit score670
Terms apply to American Express benefits and offers.

Best hotel business card

The Hilton Honors American Express Business Card

4.8
★★★★★

Finder score

Go to site
Terms apply, see rates & fees.
Welcome Offer175,000 points
RewardsUp to 12x points
Annual fee$195
Minimum credit score670
Terms apply to American Express benefits and offers.

Best for payment flexibility

The Plum Card® from American Express

4.1
★★★★★

Finder score

Go to site
Terms apply, see rates & fees.
Welcome Offern/a
RewardsUp to 1.5% cash back
Annual fee$250
Minimum credit score670
Terms apply to American Express benefits and offers.

Methodology

The needs of a business are as varied as the need of an individual consumer. To create our best list we devised a simple list of the most common financial needs businesses are likely to encounter. From there we judged cards within these categories based on card features like bonus reward categories, reward rates, intro APR periods, travel perks and free employee cards. Those that performed best in each category based on these features were chosen for our list.

Compare all business credit cards

If you don’t see an option that fits your financial needs on our list of best business credit cards, you can compare even more options. Take a look at other available business credit cards to find something that suits your company finances.

5 factors to consider when choosing the best business credit card for you

In many ways, choosing a business credit card is similar to choosing a personal credit card. Here are some things to consider:

  1. Consider why you need a business credit card. This includes the need for a new line of credit to invest in your business; an interest-free period to pay off your current debt; an interest-free period to make a large purchase of inventories or supplies and pay it off in the next months; luxury perks during frequent travel or the option to earn rewards on your business expenditures.
  2. Determine what kind of rewards suit you best. Depending on your business needs, you can earn rewards on office supplies, gas, dining or travel purchases. Some credit cards offer flat rewards on all purchases, while others have no rewards at all. Calculate which of these options would best complement your business wallet and apply for the card that offers the best value for your needs.
  3. Figure out if you need to carry a balance. If part of your business card needs involve an early investment, look for a card with an intro APR on purchases or balance transfers. This can help you save on interest while you wait for your business investment to pay off. And if you need to carry a balance from time to time thereafter, look for a business card with a low ongoing purchase APR.
  4. Determine the number of employee cards you need. Some business cards, but not all, offer free additional cards for employees. Such cards can let you earn additional rewards on purchases made by your employees with the employee business card. But if you don’t have as many employees and the benefits you get from the cards outweigh a potential annual fee, you could consider a more expensive credit card option.
  5. Pick a card suited to the health of your business and finances. You’ll find a few business cards on the market that don’t require a personal guarantee. This is especially valuable for startups or other businesses that are taking some risks. If your business doesn’t survive, you won’t be held liable for expenses made on your business credit card.

5 instances when you should consider a business credit card

Business credit cards can help you simplify bookkeeping, build business credit and potentially earn rewards on all purchases. If you fall into one of the following categories, a business credit card may be worth considering.

  1. LLC. Limited Liability Companies have one advantage — the company owner is not personally liable for the companies debts. This can keep your personal assets safe in case your company fails and can’t pay off the credit card debt.
  2. Small businesses. Small businesses can get the advantage of earning credit card rewards on select categories where the business spends the most. If you have multiple employees, you can set spending limits, track employee spending and simplify your bookkeeping with separate receipts.
  3. Freelancers and independent contractors. You don’t need to have a company to get a business credit card. All you need is an income outside of your regular employment. This can be helpful for Uber drivers, especially with a credit card with gas rewards.
  4. Startups. Startups can choose some of the best credit cards designed specifically for this type of business. These cards don’t require a personal guarantee and come with generous rewards on categories where a startup may spend the most.
  5. Self-employed. If you’re self-employed, you can still get a business credit card. With a business credit card, you get the same benefits that any other company would get with this type of card.

You can apply for a business credit card without a business

To apply for most business credit cards without a business, you need to meet the following requirements.

  • Have an income as a freelancer or by running an online shop outside of your employment.
  • Select sole proprietor in your credit card application.
  • Use your own Social Security number as a tax ID or EIN.
  • Why freelancers should consider a business credit card

    The main benefit to getting a business card as a freelancer would be earning rewards in business-related categories like office supplies and separating personal and business expenses to simplify bookkeeping.

    Types of freelancers and side hustles that can qualify you for a business credit card are:

    • Uber or Lyft drivers
    • Online selling on Etsy, Amazon, eBay and other websites
    • Freelancing
    • Airbnb and home rentals
    • Babysitting and tutoring

    You asked, we listened: Top 3 common questions

    Business cards aren’t so different from standard cards, though as you’d expect from a business card, there’s a bit of fine print involved. Here are the three most common questions we receive on the subject.

    1. What’s the difference between a business card and a personal card? Business cards differ from personal cards because they offer perks and rewards designed around business expenses. You’ll also need a business, or to show you’re generating revenue, to obtain a business credit card.
    2. Will my business credit affect my personal credit? Generally no. However, there are a few situations where it might affect your personal credit, such as business cards with a personal guarantee.
    3. Can you get a business credit card with bad credit? There are business cards for poor credit, including secured business cards that require a deposit as collateral when opening the card.

    Bottom line

    The best business credit card depends on the size of your business and what financial tools and perks you need. If none of the cards on our list feel like the right fit, compare more cards to find one that is.

    Credit card ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    Our team evaluates credit cards to determine their value against similar cards on the market.

    We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

    Learn the details of our methodology and scoring.

    Kliment Dukovski's headshot
    Writer

    Kliment Dukovski was a personal finance writer at Finder, specializing in investments and cryptocurrency. He's written more than 700 articles to help readers compare the best trading platforms, understand complex investment terms and find the best credit cards for their needs. His expert commentary has been featured in such digital publications as Fox Business, MSN Money and MediaFeed. He’s also well-versed in money transfers, home loans and more — breaking down these topics into simple concepts anyone can understand. In another life, Kliment ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. See full bio

    Kliment's expertise
    Kliment has written 86 Finder guides across topics including:
    • Investing
    • Day trading
    • Stock market technical analysis
    • Personal and business credit cards

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