13 Best Business Credit Cards of 2021 (Ranked and Compared)

13 Best Business Credit Cards of 2021 (Ranked and Compared)
Last Updated on September 10, 2021 by Adam Enfroy

Literally, every single business at a certain point can benefit from having the right business credit card.

Depending on your business model has a line of credit from a credit card available for your business is essential.

Data shows that over 89% of small businesses in the US use lines of credit and credit cards for capital and day-to-day business operations.

The point of a credit card is NOT to go into debt because they have so many other benefits when it comes to points, cashback, and purchase protection which most debit cards are not able to offer.

Here’s the dilemma though. Actually narrowing down the best business credit card for your business is tricky because you can’t go out and apply for five credit cards all at once.

As a business owner you already have so many other operations tools like your taxes, small business accounting software, HR related issues, payroll software and operations, and a ton more. The last thing you need to worry about is which credit card to choose.

That is where this post is here to help pick the right business credit card for your business easy.

What Are The Best Business Credit Cards?

Here are my top picks for the best business credit cards of 2021.

Table of Contents

1. Chase Ink Business Cash Credit Card.

Best for cash-back and buying office supplies.

Chase Ink Business Cash

The Chase Ink Business Cash is an excellent option for freelancers, bloggers, small business owners, and anyone looking to maximize rewards on a $25,000 spending cap.

Sign-up Bonus: It offers a $750 bonus after you spend $7,500 in the first three months.

Other Rewards and Benefits:

  • 5% cash back on the initial $25,000 spent on office supply stores, cell phones, landlines, internet, and cable TV services.
  • You also get 2% cash back on the first $25,000 spent on gas stations and restaurants.
  • Then you get 1% cash back per dollar spent everywhere else. Your points won’t expire as long as the account remains open.
  • No additional cost for employee cards.

Annual Fee: $0

APR (Annual Percentage Rate): 0% intro APR for 12 months on purchases. After that, 13.24% – 19.24% variable APR.

Recommended Credit: 670 – 850 (Good – Excellent).

2. Chase Ink Business Preferred Credit Card.

Best for travel rewards and cash back.

Chase Ink Business Preferred

Chase Ink Business Preferred Credit Card is suitable for small business owners looking to expand their businesses through more significant purchases.

Sign-up Bonus: Chase Ink Business Preferred has a welcome bonus of 100,000 Ultimate Rewards points after you make a purchase of at least $15,000 in the first three months.

Those 100,000 points are worth $1,000 cashback or $1,250 when redeemed for travel through the Chase Ultimate Rewards portal.

Other Rewards and Benefits:

  • Earn 3x points per dollar on the initial $150,000 spent in combined purchases on travel, shipping purchases, Internet, phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
  • Unlimited one point for each dollar spent on every other purchase. Reward points don’t expire as long as your account stays open.
  • Employee cards at no additional cost.

Annual Fee: $95

APR: 15.99% – 20.99% variable APR.

Recommended Credit: 670 – 850 (Good – Excellent).

3. The Blue Business Plus Amex.

Best small business credit card with 0% introductory APR.

Blue Business Plus Credit Card

Sign-up Bonus: The Blue Business Plus Credit Card from American Express offers a sign-up bonus of 15,000 Membership Rewards points after spending at least $3,000 within the first three months of card membership.

Other Rewards and Benefits:

  • Earn 2x points on the first $50,000 spent in purchases every year.
  • Next, earn one point on every dollar spent after that.
  • No annual fee for additional Employee Cards.
  • Auto-expense categorization in QuickBooks.
  • It also provides travel baggage insurance, secondary car rental insurance, and purchase protection.

Annual Fee: $0

APR: 0% intro APR for 12 months on purchases. After that, 13.24% – 19.24% variable APR.

Recommended Credit: 670 – 850 (Good – Excellent).

4. The Business Platinum Card from American Express.

Best for business travel perks and rewards.

Business Platinum Card American Express

The Business Platinum Card from American Express offers several business-friendly perks, including travel benefits and app-based technologies.

It’s a charge card, which requires you to pay your entire balance every month.

Sign-up Bonus: This card offers 100,000 Membership Reward points after spending $15,000 on eligible purchases within three months of account opening.

Other Rewards and Benefits:

  • Earn 1.5x points for each dollar spent on the first $5,000 spent on combined eligible purchases.
  • 1x point for every dollar spent on eligible purchases.
  • 5x Membership Rewards Points on flights and hotels booked through AmexTravel.com.
  • 35% airline bonus disclosure.
  • $200 airline fee credit per calendar year and up to $200 Annual Dell Technologies Statement Credit.
  • $179 CLEAR credit per calendar year if you use your Business Platinum Card to pay for your CLEAR membership.
  • $550 in perks at over 1,100 hotels and resorts, including daily breakfast for two, late check-out, and more.
  • Complimentary lounge access (pick from over 1,300 airport lounges across 140 countries).

Annual Fee: $595

APR: 14.24% – 22.24% variable APR.

Recommended Credit: 690 – 850 (Good – Excellent).

5. U.S. Bank Triple Cash Rewards Visa Business Card.

Best for balance transfers.

U.S. Bank Triple Cash Rewards Visa

U.S. Bank Triple Cash Rewards Visa Business Card is best suited for small to medium businesses.

Sign-up Bonus: Get $500 in cash-back on spending $4,500 on the Account Owner's card within the first 150 days of account opening.

Other Rewards and Benefits:

  • It provides 3% cash-back on eligible purchases at office supply stores, gas stations, restaurants, and cell phone service stores.
  • Earn 1% on all other purchases.

Annual Fee: $0

APR: 0% intro APR for the initial 15 months on purchases and transfers. After that, 13.99% – 22.99% variable APR.

Recommended Credit: 690 – 850 (Good – Excellent).

6. Brex Card.

Best for small business owners with a poor credit score.

Brex credit card

The Brex Card is a business credit card suitable for companies of any size, especially companies with thin credit scores. There’s no annual fees or personal guarantee required to apply for the Brex credit card.

Instead of checking your personal credit score, they assign cards based on your company’s financial information. This could include your company’s capital, credit history, or spending patterns.

Sign-up Bonus: Earn 10,000 points on spending $3,000 and 20,000 points if you link a payroll or eCommerce platform to Brex within the first three months of account opening.

Other Rewards and Benefits:

  • Earn one point for every dollar spent. The points are uncapped and will never expire.
  • Customers that make daily payments with the Brex card can earn 8x on cab service (for example, Uber, Lyft, Taxi, etc.), 5x on travel, 4x on restaurants, 3x on eligible Apple purchases through the Brex Rewards Portal, and 1.5x on online ads.
  • Tech rewards like 3x on recurring software and 3x on eligible Apple purchases through the Brex Rewards Portal.
  • Rewards on purchases related to science, including 8x on conference tickets and 2x on lab supplies.
  • Get partner perks worth more than $150,000, including $10,000 credits of Freshworks suite of products, up to $150 in Google Ads credit, 25% off 12 months of eligible Slack paid plans.

Annual Fee: $0

APR: N/A

Recommended Credit: 300 – 850 (Poor – Excellent).

7. The Hilton Honors American Express Business Card.

Best for business travelers who usually stay with Hilton.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card should be on your radar if you’re a Hilton Honors member or just someone who likes to travel and stay at Hilton resorts and hotels.

You will enjoy various perks, including elite status, priority booking, room upgrades, and other exclusive offers.

Sign-up Bonus: It comes with a sign-up bonus of 130,000 Hilton Honors points after you make purchases of $3,000 within the first three months of card membership.

Plus, it provides statement credits worth up to $100 on all eligible purchases made at any Hilton hotel within the first 12 months of card membership.

Other Rewards and Benefits:

  • Earn 12X points for each dollar spent for purchases made directly with hotels and resorts in the Hilton portfolio.
  • Get 6X points for every dollar spent on specific business purchases at gas stations, wireless telephone service purchases, and more.
  • 6X points for select travel purchases, including at U.S. restaurants, flights booked with Amex Travel, or car rentals booked from eligible car rental companies.
  • 3X points on all other purchases.
  • Additional perks like room upgrades, an 80% bonus on all base points, global entry, TSA PreCheck, and more.
  • No foreign transaction fees.

Annual Fee: $95

APR: 15.74% – 24.74% variable APR.

Recommended Credit: 670 – 850 (Good – Excellent).

8. Marriott Bonvoy Business American Express Card.

Best for business travelers who usually stay with Marriott.

Marriott Bonvoy Business Card

Marriott Bonvoy Business American Express Card is a business card that gives you special access to incredible travel savings with Marriott resorts and hotels.

Sign-up Bonus: You can earn 75,000 Marriott Bonvoy Bonus Points if you spend $3,000 within the first three months. Plus, get up to $150 cash-back on eligible purchases within the first three months of your card membership.

Other Rewards and Benefits:

  • 6X points on each dollar spent at eligible Marriott Bonvoy hotels; 4X at restaurants, gas stations, shipping providers, and wireless phone services; 2X points on other select purchases.
  • Get one free night after your card activation date every year. Plus, get another free night on your Marriott Bonvoy Hotel booking after the spend of $60,000.
  • Redeem your Marriott Bonvoy points for Flight Tickets and car rentals booked from hundreds of travel partners around the world.
  • Get late checkouts and 10% bonus points on every stay with the Silver Elite status, global entry, TSA PreCheck, and more.
  • Zero international transaction fees. Charges may apply at ATMs.
  • Get premium internet access in all your stays in Marriot Bonvoy Hotels.
  • Get insured on your trips, including lost, stolen, or damaged luggage, if you pay the full fare of the plane, bus, train, or ship using the card. Plus, it covers damage and theft protection charges in your rental car.

Annual Fee: $150

APR: 15.74% – 24.74% variable APR.

Recommended Credit: 690 – 850 (Good – Excellent).

9. Capital One Spark Cash for Business.

Best for flat-rate cash-back.

Capital One Spark Cash for Business

Capital One Spark Cash for Business is a reward credit card designed to help small business owners and self-employed individuals make everyday purchases, earn points for each purchase they make, and earn cashback.

Sign-up Bonus: Get a one-time $500 cash bonus on spending $4500 within the first three months of your account opening.

Other Rewards and Benefits:

  • Get 2% cashback on every purchase without any restrictions on limits or categories.
  • Get a virtual card number to avoid thefts and make safer payments by hiding your actual card number.
  • Set up auto payments for your monthly subscriptions and get reports of your spending in formats like EXCEL, QuickBook, and Quicken.
  • Free employee cards can help you track their spendings. Plus, you can set a limit on the cards for maximum expenditure.
  • No foreign transaction fees.

Annual Fee: $0 for the first year, then $95 after that.

APR: 20.99% – 29.44% variable APR.

Recommended Credit: 670 – 850 (Good – Excellent).

10. Ink Business Cash Credit Card.

Best small business card for cash-back.

Ink Business Cash Credit Card

Ink Business Cash Credit Card is suitable for your small business where you earn rewards in the form of cash-back on purchases from office supply stores and select service providers.

Sign-up Bonus: Get flat $750 cash-back when you spend $7500 on purchases within the first three months of account opening.

Other Rewards and Benefits:

  • Get 5% in cash-back on the first $25,000 spent on office supplies, internet, cable, and phone services each account anniversary year.
  • 2% cash back on the initial $25,000 spent at gas stations and restaurants each account anniversary year.
  • Get 1% cash-back on all other purchases after that.
  • Employee cards at no additional cost.
  • Additional benefits like purchase protection, fraud protection, and personalized account alerts.

Annual Fee: $0

APR: 0% intro APR for the first year, then 13.24% – 19.24% variable APR.

Recommended Credit: 690 – 850 (Good – Excellent).

11. The US Bank Business Platinum Card.

Best for low-interest rates.

The US Bank Business Platinum Card

The US Bank Business Platinum Card is great for contractors, small business owners, and freelancers. It includes a low-or-no interest rate on any balance transfer, zero liability assistance for stolen credit cards, free online banking, and fraud protection.

However, there is no welcome bonus or cash-back rewards like other cards on this list.

Sign-up Bonus: No welcome offer.

Other Rewards and Benefits:

  • Monitor all your expenditure reports with an online reporting tool exclusive to US bank customers.
  • Link your card with your mobile phone to make quick contactless payments with Apple, Samsung, or Google Pay.

Annual Fee: $0

APR: 0% APR for the first 18 billing cycles. After that, 11.99% – 20.99% variable APR.

Recommended Credit: 720 – 850 (Good – Excellent).

12. Delta SkyMiles Reserve Business American Express Card.

Best for travelers who prefer to travel with Delta airlines.

Delta SkyMiles Reserve Business Card

Delta SkyMiles Reserve Business American Express Card gives you access to many perks, including top-notch customer service, expedited entry, and more.

Sign-up Bonus: Get 60,000 Bonus Miles and 10,000 Medallion Qualification Miles (MQMs). Plus, you get $100 statement credit when you spend $4,000 on purchases within the first three months.

Other Rewards and Benefits:

  • Earn three miles on every dollar spent on select purchases made with Delta. You can redeem these miles on flights, seat upgrades, merchandise, gift cards, and more.
  • 1.5 miles on spending $150,000 per calendar year on eligible purchases. Plus, you get one mile on every dollar spent after that.
  • Complimentary access to the Centurion Lounge and Delta Sky Clubs and an exclusive per-visit rate of $39/person for two guests.
  • Check your first bag for free and enjoy complimentary concierge assistance.
  • No foreign transaction fees.

Annual Fee: $550

APR: 15.74% – 24.74% Variable APR.

Recommended Credit: 690 – 850 (Good – Excellent).

13. Slate Edge from Chase.

Best for balance transfers and low APR.

Sign-up Bonus: Slate Edge from Chase doesn’t charge any balance transfer fees for the first two months from your account opening.

Other Rewards and Benefits:

  • Lower your APR by 2% each year if you pay on time and spend at least $1,000 by your next account anniversary. It’s applicable until the APR reaches the Prime Rate plus 9.74%.
  • Get a one-time review for a higher credit limit if you pay on time and spend $500 within the first six months.
  • You can pay through third-party mobile apps or websites like Google Pay, Apple Pay, or Samsung Pay.
  • Zero liability protection and fraud monitoring.

Annual Fee: $0

APR: 0% intro APR for the first 15 months. After that, 14.99% – 23.74% APR.

Recommended Credit: 690 – 850 (Good – Excellent).

What is a Business Credit Card?

A business credit card is like a regular credit card you use in your everyday life, except for business purposes. It's the same product but used differently. Unlike personal credit cards, you can use them to make purchases for your business.

They also provide extra rewards for purchases you make while traveling or participating in business-related activities. And as long as you pay your balance in full each month, you won’t have to worry about paying interest on the charges you make.

Why Do You Need a Business Credit Card?

If you’re in business for yourself and not an employee, you need a business credit card or two. The right credit card can provide you with cash management for your business, including additional purchasing power to stock up for improving your inventory.

It can also help you build out your physical store, bring in key pieces to show at tradeshows, and offer discount programs and other perks that can help your company grow.

This can be a great way to make the most out of your money, depending on your business sector.

Here are some of the reasons why you need a business credit card:

1. Separate Personal Expenses From Business Expenses.

Having a Business Credit Card can be convenient because it allows you to track your expenditures.

It pays to be organized and know exactly where your money is going every month. A simple way to do this is to use a separate credit card for the business and a different bank account.

Keeping business expenses and personal expenses separate makes it easier to keep up with who owes how much on what type of expense. This includes travel expenses, entertaining clients, office supply expenses, and other expenditures associated with running a business.

2. Cash Back And Other Perks.

Business credit cards give you a chance to earn rewards, points, or cash-back when you buy goods and services for your company’s use.

Points earned on business credit cards can provide you with discounts on travel or foreign purchases, airfare, hotel stays, car rentals, restaurants, fuel, and even office supplies.

For example, the Chase Ink Business Cash Credit Card provides a 5% cash-back on the first $25,000 spent on office supply stores.

In addition to earning rewards, business credit cards are an excellent source of capital. As your new business grows, you can easily increase the company’s lines of credit or withdraw from your account as needed.

3. Large Spending Limit.

Business credit cards come with a higher spending limit and more provided services. This means more money for you to make purchases.

These increases in spending limits can mean bigger payments on the things that matter to your business.

4. Great Sign-up Bonuses.

Business credit cards are a great way to earn rewards for business expenses. They usually offer some great introductory deals on cash-back, travel rewards, and other promotions as a bonus.

Some business cards like the Chase Ink Business Preferred Credit Card offer as much as $1000 cash-back on spending $15,000 within the first three months of account opening.

Credit cards with such generous intro bonuses can be profitable for your small businesses.

5. Steady Cash Flow.

Small businesses — from freelancers to home-based companies — require a lot of resources. Business credit cards allow these small entrepreneurs to be fiscally responsible while providing the necessary funding for their ongoing expenses and revenue.

They can also enable your small company or startup to establish credibility and obtain financing through the revolving line of credit.

6. Establish Company’s Financial Credibility And Business Credit History.

Using one of the best business credit cards is a quick and easy way to establish your company's financial credibility.

As long as you make payments on time and don’t exceed the maximum limit allowed by the lender, a good rating for your company will follow. This will result in better terms and lower interest rates when applying for other types of loans in the future.

The Difference Between Business Credit Scores and Personal Credit Scores.

The most fundamental difference between business credit scores and personal credit scores is that the former is used exclusively to evaluate the creditworthiness of businesses. In contrast, the latter may be used for personal identification.

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A business credit score is a statistical measure of the trustworthiness of a business. In most cases, the business credit score is used as an estimation of the level of risk when doing business with that specific company.

Business credit scores are usually calculated by looking at multiple financial parameters. These include payment history, cash flow, total assets, and profitability. Credit bureaus like Dun & Bradstreet, Equifax, and Experian maintain your business credit scores.

On the other hand, personal credit scores are the 3-digit number generated by the credit rating agencies using the information in your credit report to determine your creditworthiness. Credit bureaus like TransUnion, Equifax, and Experian maintain your personal credit scores.

An excellent credit score can help you get loans or a mortgage at better rates. Having bad credit means you will pay more money when borrowing money for significant expenses like a car or home.

Apply for a Business Credit Card.

When you’re running a small business, managing your finances and budgeting can be challenging. Taking out a loan with a bank may not sound convenient for you. That’s why credit cards can be the ideal choice to help get your business rolling.

Small business credit cards primarily target people who operate as sole proprietorships or partnerships in the United States. Freelancers or those earning their income through work-from-home jobs can also apply for a business credit card.

Before that, you need to determine which card is suitable for you and your business.

Which Business Credit Card is Suitable for You?

Choosing the right business credit card for yourself should not be a daunting task. By taking a critical look at your business needs and determining what you value, you can find a card that aligns with your company’s strategy and has all the features you need.

Here’s everything you need to consider before deciding which credit card is appropriate for your business:

1. Introductory APR.

When choosing a business credit card, you should consider the introductory APR rate and its benefits. An introductory period is when your interest rate is lower than that of the standard rate.

The APR (Annual Percentage Rate) refers to the annual interest rate charged to consumers who miss payments or carry a balance from previous months.

Many business cards even come with a 0% introductory APR that lasts nine to 12 months. Such cards are beneficial if you want to build your business credit score.

2. Annual Fee.

The annual fee is the amount of money your company pays for having the business credit card account. Annual fees can range from $0 to hundreds of dollars per month or more.

Even if you think that the annual fee for a particular credit card is too much, it might be worth considering if it has exceptional benefits.

For example, while the Chase Ink Business Preferred Credit Card has an annual fee of $95, it offers an excellent sign-up bonus and cash-back points.

3. Sign-up Bonus and Other Rewards.

Business credit cards have the potential to offer a variety of rewards that may be appealing from a business perspective – whether it’s earning points for travel, cash-back, merchandise, or other items tied to your business.

Ensure that the rewards rate and spending categories are related to your business for maximum benefits.

4. Foreign Transaction Fee.

A foreign transaction fee is one of the most unexpected charges that can appear on a credit card statement. And it can add up if you do a lot of international business.

There are cards with zero foreign transaction fees as well. They are best suited for businesses that do a lot of business outside the United States.

5. Purchase Protection.

Having a credit card that offers purchase protection can be a lifesaver if you ever end up with the damaged property, non-delivery goods, or other fraudulent incidents.

Most cards offer purchase protection, which extends the warranty period and can even reimburse you if your business purchase gets broken or stolen. However, they often vary in coverage and limitations.

Now, it’s time to fill out the application form. But there are some things you need before filling the application.

Business Credit Card Application Requirements.

It pays to know what the requirements are before applying for a business credit card.

Here’s everything the application asks for:

  1. Your Business Name – The business name is one of the most critical elements when applying for a business credit card. It’s the name of the company you’re representing. If you don’t have your corporation, your own name will suffice.
  2. Contact Details for Your Business – The application will ask for your company’s business address, phone number, and email address. If you work from home, just provide your personal address.
  3. Industry Type – It’s what your business does (the type of business you have). For example, if you sell custom-made shoes, the shoes are the product you sell, and the service you provide is the industry type (or line of business).


Usually, the application forms already have options that you’ll have to choose from the drop-down menu.

Here’s an example of the application form of the Marriott Bonvoy Business American Express Card:

Marriott Bonvoy Application form

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  1. Legal Structure – Your business is the legal entity you operate under. It can be but isn’t limited to a corporation, LLC, partnership, sole proprietorship, or something else. Choose “sole proprietorship” if you work as a freelancer or do not have a registered business.
  2. Federal Tax Identification Number – Your Federal Tax ID is the nine-digit EIN (Employer Identification Number) assigned to your company by the IRS (Internal Revenue Service). If you’re a sole proprietor, just add your SSN (Social Security Number) instead.
  3. The number of Employees and Time in Business – You'll need to answer questions about the number of employees and also about the time you've been in business. Those are two important numbers for a lender to know when they look at your application.
  4. Total Annual Income and Expenses – To determine whether you’re capable of repaying them and your debt-to-income ratio.

Note that for applying for a business credit card, you don’t necessarily need to apply for a DBA or LLC. A business card is not just for businesses operating in the form of corporations but also for proprietorships and partnerships.

Having a “sole proprietorship” won’t impede your credit card application in any way.

Sign a Personal Guarantee.

Most business credit card issuers require you to sign personal guarantees. A personal guarantee is when an individual personally guarantees payment for a business credit card.

To sign one, you will need to add your name and social security number on the application or in a rider agreement. If you sign this type of contract, you will be personally liable and legally obligated to repay the debt if your company cannot.

Wait for Card Approval.

Approval time for small business credit cards is much quicker than for large corporate accounts. Credit card issuers usually monitor your personal credit score using your SSN or Federal Tax ID and expense-income ratio.

In most cases, they claim to approve your credit cards almost instantly. For example, Capital One business credit cards take merely 60 seconds to get approved.

However, it may take weeks to get approved if your personal credit score is low.

Executive Summary.

With so many of the best business credit cards out there, it can be challenging to figure out the best credit card to get. Look for rewards cards with low-interest rates or rewards programs and bonus categories that align with your business spending.

A good business credit card helps your company build its credit history and make personal finance much more effortless.

If you’re searching for a business card, then you might consider my top picks:

  • Chase Ink Business Cash: Best for cash-back and buying office supplies.
  • Chase Ink Business Preferred: Best for travel rewards and cash-back.
  • Blue Business Plus Amex: Best small business credit card with 0% introductory APR.
  • The Business Platinum Amex: Best for travel perks and rewards.
  • U.S. Bank Business Cash Rewards World Elite Mastercard: Best for balance transfers.
  • Brex Card: Best for small business owners with a poor credit score.
  • The Hilton Honors Amex: Best for business travelers who like to stay at Hilton hotels.
  • Marriott Bonvoy Business Amex: Best for business travelers who like to stay at Marriott hotels.
  • Capital One Spark Cash: Best for flat-rate cash-back.
  • Ink Business Cash Credit Card: Best for cash-back.
  • The US Bank Business Platinum Card: Best for low-interest rates.
  • Delta SkyMiles Reserve Business Amex: Best for travelers who prefer to travel with Delta airlines.
  • Slate Edge from Chase: Best for balance transfers and low-interest rates.

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