During the evaluation process, our editors and writers verify current offers from credit card issuers. Additionally, we delve into each card's fine print to analyze their features and potential value. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read the full methodology to learn more.

• 44 business credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

• Offers high rewards on gas, transit, U.S. restaurants and more
• No preset spending limit gives more spending flexibility (Terms apply)
• Includes car rental, trip delay and baggage insurance*

• Statement credits are worth only 0.6 cents per point
• $375 annual fee
• $150,000 annual cap on the card’s 4x bonus category

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Who it’s best for: The American Express® Business Gold Card is the best business card for those who prefer flexible spending categories that adapt to your monthly spending habits.

What we like: This card offers a high reward rate in the two categories (from a list of six) where you spend the most each month. It automatically adjusts to your spending habits without the need to opt in or pick your preferred categories each month.

What we don’t like: With this card, you have to pay your balance in full each month. However, some eligible purchases can be paid over time. (Terms apply.) It also has a high annual fee of $375, so it’s best to pick another business card if your spending doesn’t align with its bonus categories.

• Earn 1.5% cash back on every eligible purchase
• No annual fee
• Complimentary access to Dun & Bradstreet business credit score

• Security deposit required
• No bonus categories
• No introductory bonus or APR period
• Offers less redemption options than other cards

You'll earn 3% and 2% cash back only on the first $50,000 in combined purchases between your chosen category and dining each calendar year, 1% thereafter.

Who it’s best for: The Bank of America® Business Advantage Unlimited Cash Rewards Secured Business Credit Card is a great option for business owners aiming to build or repair their credit.

What we like: This card requires a $1,000 minimum security deposit that acts as collateral if you ever fail to make the monthly payments, making it easier to qualify for. Additionally, the card offers travel perks like $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost luggage assistance and legal and medical referrals while traveling. It also provides free access to your Dun & Bradstreet business credit score, so you can easily track your progress.

What we don’t like: The card doesn’t offer a welcome bonus or an introductory APR period. You also get fewer redemption options (statement credit, a check or a deposit into your Bank of America® checking or savings account) than other business cards.

All information about the Bank of America® Business Advantage Unlimited Cash Rewards Secured Business Credit Card has been collected independently by Money.com.

• Earn 3% cash back on the first $50,000 in in your chosen bonus category each calendar year (1% thereafter)
• Earn up to 75% more cash back on eligible purchases if you're a Bank of America business checking account holder and qualify for Preferred Rewards for Business Platinum Honors

• Bonus categories have a combined annual spending cap of $50,000
• 3% foreign transaction fee

Who it’s best for: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card offers reward customization capabilities that are quite uncommon, making it a great choice for those who want more control over their bonus categories.

What we like: This card lets you choose your top-earning category from a list of six options, and you can change your pick as often as once a month. So, if you plan ahead, you could maximize your cash back. For example, you could set travel as your preferred bonus category before a business trip and earn 3% back on the flight ticket and rideshare services (like Uber). Additionally, the card features perks such as travel accident and auto rental insurance.

What we don’t like: The card’s 3% and 2% cash back rates are limited to the first $50,000 spent in combined purchases yearly. Once you reach the cap, you’ll only earn 1% back.

All information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card has been collected independently by Money.com.

• No annual fee
• No foreign transaction fees
• 5% cash back on select travel purchases through Capital One Travel

• Earns only 1% cash back on most purchases
• Doesn’t include perks or travel protections

Who it’s best for: While most of the best business credit cards require good or excellent credit, the Capital One Spark 1% Classic is available for business owners with a limited credit history or those with fair scores.

What we like: This card is a solid option for those who need to build or improve their credit. And while it’s a starter business credit card with few perks, it doesn’t charge foreign transaction fees, which other no-annual-fee cards charge.

All information about the Capital One Spark 1% Classic has been collected independently by Money.com. It has not been reviewed or provided by the issuer.

• 2% flat reward rate on all eligible business purchases
• Get your $150 annual fee refunded (as a statement credit) each year you spend at least $150,000
• No preset credit limit

• $150 annual fee
• Few extra benefits
• Balance must be paid in full each month

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Who it’s best for: The Capital One Spark Cash Plus lets you earn unlimited 2% cash back on every purchase, with no caps or category restrictions.

What we like: This cards has no preset spending limit. Instead, the limit changes based on your spending behavior, payment history, credit profile and other factors. This can give business owners with excellent credit more spending flexibility. Also, you can get the card’s $150 annual fee refunded (as a statement credit) if you spend at least $150,000 in a year.

What we don’t like: Since this is a charge card, you must pay your balance in full each month or else you’ll get charged late fees and your account will be considered past due — unlike standard credit cards that let you accrue a balance as long as you make a minimum monthly payment. The card also has fewer benefits than similarly priced business cards.

• Unlimited 1.5x cash back for your business on all purchases
• 5% cash back on hotels and rental cars booked through Capital One Travel
• No yearly spending caps
• No annual or foreign transaction fees

• Few additional perks
• No direct deposit redemption option

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Who it’s best for: The card_name doesn’t charge annual or foreign transaction fees and it offers a high cash-back rate on most eligible purchases.

What we like: Not only do you earn an unlimited 1.5% cash back on most eligible purchases for your business, you can also earn 5% cash back on hotels and rental cars booked through Capital One Travel. Additionally, the card doesn’t charge any foreign transaction fees — most no-annual-fee business cards charge around 3% on transactions processed outside of the U.S.

What we don’t like: The card’s bonus categories are limited, so those who spend a lot on travel, office supplies and other business-centered categories can miss out on rewards. Also, you can only redeem your cash back as a statement credit or check.

• Annual $300 credit for bookings through Capital One's travel booking site
• 10,000 bonus miles every year (starting on your first anniversary)
• Access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
• Up to $120 credit for Global Entry or TSA PreCheck® (when you use the card)

• High annual fee ($395)
• Outstanding balance must be paid in full every month

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Who it’s best for: The Capital One Venture X Business is an obvious choice for business owners seeking valuable travel benefits and a straightforward rewards program for an affordable annual fee.

What we like: You’ll earn travel rewards from day-to-day spending without the hassle of tracking spending categories or limits. To add to its appeal, the card provides several premium travel benefits at a reasonable cost, including:

• $300 annual travel credit for bookings through Capital One Travel

• 10,000 bonus miles every year (starting on your first anniversary)

• Up to a $120 statement credit for Global Entry or TSA PreCheck®

• Complimentary Priority Pass™ Select for access to 1,300+ airport lounges

What we don’t like: Because it’s a business charge card, your bill is due in full every month. Also, this card’s rewards are rather narrowly tailored for travel, so it isn’t the best option for those who want a variety of reward categories.

• No annual fee
• Includes primary rental car coverage
• High rewards rate for office supplies, cable, internet and phones services and more
• Redeem for statement credits, checking account deposits, gift cards, travel purchases and more

• $25,000 spending cap on bonus categories
• Foreign transaction fees

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Who it’s best for: The Ink Business Cash® Credit Card is a solid no-annual-fee business credit card for small business owners who spend big on office supplies and cable, internet and phone services.

What we like: The Ink Business Cash® Credit Card offers flexible redemption options. While it's advertised as a cash-back credit card, it actually earns Chase Ultimate Rewards® points. These are worth around one cent each and can be redeemed for statement credits, checking account deposits, gift cards, travel purchases and more. You can also transfer your points to other cards that earn Chase Ultimate Rewards® points, even if they’re not business cards.

What we don’t like: This card is not the best choice for businesses with high operational costs. Businesses that spend more than $25,000 each year in this card’s reward categories might get more value from a card with higher spending caps, like the Ink Business Preferred® Credit Card.

• Get bonus points for airfare, hotels, rental cars and more booked through any platform
• Points are worth 25% more when you redeem for travel through Chase Travel℠ portal
• Can transfer your points to over 10 travel partners
• No foreign transaction fees

• $150,000 annual cap on bonus rate might be low for some businesses
• $95 annual fee

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Who it’s best for: The card_name is ideal for small businesses that spend often on travel and common business expenses, like shipping purchases.

What we like: The card offers valuable travel redemption options when you book through the Chase Travel℠ portal. When you use the portal, your points will be worth 1.25 cents apiece (instead of the usual one cent), and you can transfer your points to over 10 airline and hotel partners, including Jetblue, United and Marriott. The card also includes trip cancellation and interruption insurance, primary rental car coverage and cell phone coverage.

What we don’t like: If your operational costs exceed $150,000 early in the year, you might do better with a card without annual caps, like the Ink Business Premier® Credit Card.

• Solid cash-back potential for businesses that often make purchases of $5,000 or more
• Includes travel protections like primary auto rental and trip cancellation/interruption insurance
• Cell phone protection plan for all devices listed on your monthly bill
• Offers more spending flexibility than a traditional charge card

• $195 annual fee
• Can’t combine your rewards with other Chase cards
• Rewards can’t be transferred to travel partners
• Purchases that don’t qualify for Flex for Business must be paid in full every month

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Who it’s best for: The Ink Business Premier® Credit Card is an excellent option for larger businesses that need the spending power a charge card can offer.

What we like: This card offers outstanding earning potential for businesses that make frequent large purchases of $5,000 or more. Also, while it’s a charge card that needs to be paid fully each month, the Flex for Business feature lets you pay qualifying purchases of $500 or more over time with interest (up to a set credit limit). This makes the card more flexible than similar charge cards.

What we don’t like: Some might consider it a hassle to track which transactions must be settled by the end of the month and which can be paid over several months. Also, unlike with other Chase business cards, you can't transfer your points to travel partners or other Chase cards.

• Unlimited 1.5x points on purchases made for your business
• No yearly spending caps
• Primary rental car insurance
• No annual fee

• No bonus categories
• Foreign transaction fees

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Who it’s best for: The card_name is an excellent option for business owners who prefer a simple earning structure and flexible redemption options.

What we like: This card offers unlimited 1.5% cash back on most purchases and lets you transfer your rewards to other cards that earn Chase Ultimate Rewards® points, such as the Ink Business Preferred® Credit Card. This makes it a great addition to your wallet if you already own other Chase credit cards. Also, you can redeem your cash back for statement credits, account deposits, gift cards, travel purchases and more.

What we don’t like: The Ink Business Unlimited® Credit Card doesn’t offer any additional bonus categories, and it’s not a good option for international travelers since it charges a 3% foreign transaction fee.

• High flat reward rate for most purchases
• No annual fee
• Access to Expanded Buying Power feature lets you spend above your credit limit (Terms apply)

• You can only redeem your cash back earnings as a statement credit
• Annual cap on bonus category

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Who it’s best for: The American Express Blue Business Cash™ Card is an excellent choice for business owners who prefer a simple cash-back rate and automatic redemptions.

What we like: Business owners can earn cash back on most everyday purchases without being limited to bonus categories. Also, your cash back is automatically redeemed as a statement credit at the end of each billing cycle, making the card even easier to use.

What we don’t like: You can’t redeem your cash back for account deposits, checks, travel or gift cards, like with other business credit cards.

• No annual fee
• Earns 2 points per dollar on eligible business purchases (up to $50,000 per year)
• Can transfer your points to 16 travel partners
• Access to Expanded Buying Power that lets you spend above your credit limit (Terms apply)

• Points are worth only 0.6 cents each when redeemed for statement credits

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Who it’s best for: Consider The Blue Business® Plus Credit Card from American Express if you want to earn high rewards on most purchases without being limited by bonus categories. (Terms apply.)

What we like: You can redeem your points for travel bookings or transfer them to one of the issuer’s airline and hotel partners, which include Delta, Jetblue and Hilton. Also, this card features Expanded Buying Power, which lets you spend above your credit limit up to a certain amount. (Terms apply.)

What we don’t like: This card is not ideal if you'd like to redeem your points for statement credits as points are valued at 0.6 cents per dollar when used this way.

• Comprehensive travel insurance*
• Transfer points to 16 travel partners, including Delta and Marriott
• Airport lounge access in more than 1,400 locations worldwide (enrollment required)

• $695 annual fee
• Car rental insurance is secondary**
• Statement credits are worth only 0.6 cents per point

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