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Best Small Business Credit Cards of Summer 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

On Capital One's Secure Website

Capital One® Spark® Cash for Business

On Capital One's Secure Website
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Annual Fee
$0 intro for first year; $95 after that
Regular APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Cash Select for Business

On Capital One's Secure Website
One time bonus of $200 once you spend $3,000 in the first 3 months
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Annual Fee
$0
Regular APR
15.24% - 23.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Miles for Business

On Capital One's Secure Website
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
Annual Fee
$0 intro for first year; $95 after that
Regular APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Preferred℠ Credit Card

On Chase's Secure Website
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Annual Fee
$95
Regular APR
18.24% - 23.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Cash℠ Credit Card

On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
15.49% - 21.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Citi's Secure Website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

On Citi's Secure Website
Earn 60,000 miles after making $3,000 in purchases in first 3 months of account opening
  • Designed for businesses
  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
  • Designed for businesses
  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
Annual Fee
$99, waived for first 12 months*
Regular APR
17.74%-25.74%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

New! Southwest Rapid Rewards® Performance Business Credit Card

On Chase's Secure Website
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.
Annual Fee
$199
Regular APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Cash for Business

On Capital One's Secure Website
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Annual Fee
$0 intro for first year; $95 after that
Regular APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Cash Select for Business

On Capital One's Secure Website
One time bonus of $200 once you spend $3,000 in the first 3 months
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 15.24% - 23.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Annual Fee
$0
Regular APR
15.24% - 23.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Capital One's Secure Website

Capital One® Spark® Miles for Business

On Capital One's Secure Website
Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
Annual Fee
$0 intro for first year; $95 after that
Regular APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Preferred℠ Credit Card

On Chase's Secure Website
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Annual Fee
$95
Regular APR
18.24% - 23.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Cash℠ Credit Card

On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
15.49% - 21.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

Ink Business Cash℠ Credit Card

On Chase's Secure Website
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Annual Fee
$0
Regular APR
15.49% - 21.49% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Citi's Secure Website

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

On Citi's Secure Website
Earn 60,000 miles after making $3,000 in purchases in first 3 months of account opening
  • Designed for businesses
  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
  • Designed for businesses
  • Earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases in first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
Annual Fee
$99, waived for first 12 months*
Regular APR
17.74%-25.74%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}
On Chase's Secure Website

New! Southwest Rapid Rewards® Performance Business Credit Card

On Chase's Secure Website
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.
Annual Fee
$199
Regular APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

1. Capital One® Spark® Cash for Business

Why we like it: The Capital One® Spark® Cash for Business delivers some of the best all around cash rewards of any business credit card. Business owners get a simple 2% cash back on all purchases with no limits or restrictions, compared to a typical 1-1.5% back from others. While some cards can deliver as much as 5% back, they have spending caps or restrictions that make them a hassle to use. Small business owners who are busy and don't want to jump through hoops will appreciate the simplicity of this card.

Potential deal-breakers: The card has a $95 annual fee, waived the first year, which is a bit high. You need to charge at least $19,000 each year to justify the fee. Businesses with less expenses will be better off with the Capital One® Spark® Cash Select for Business.

2. Capital One® Spark® Cash Select for Business

Why we like it: The Capital One® Spark® Cash Select for Business is a great no-annual-fee credit card for small business owners. It offers unlimited 1.5% cashback on every purchase, plus a $200 welcome offer for spending $3,000 in the first three months from account opening. You'll also have the ability to get free cards for your employees.

Potential deal-breakers: The only major downside to the Capital One® Spark® Cash Select for Business is that it doesn't offer the highest available rewards rate on purchases. While other cards offer 3% to 4% on certain categories of spending, the Capital One® Spark® Cash Select for Business earns a flat 1.5% on every dollar. However, most cards with better rewards rates charge annual fees, so the Capital One® Spark® Cash Select for Business is a good option for low spending businesses with varied purchases.

3. Capital One® Spark® Miles for Business

Why we like it: We highly recommend the Capital One® Spark® Miles for Business for companies with high travel demands. The card earns 2X miles per dollar on every purchase with no cap on rewards, and there's no minimum to redeem your miles. You can transfer you miles to over 10 travel partners, or you can use them on flights, vacation packages, hotels and other redemptions.

Potential deal-breakers: One possible drawback to using the Capital One® Spark® Miles for Business is that it earns miles rather than cash back. While most cash back can be applied as statement credit toward travel expenses without losing any value, miles are less flexible; if you want to redeem them for cash, they'll lose some of their value.

4. Ink Business Preferred℠ Credit Card

Why we like it: The Ink Business Preferred℠ Credit Card currently offers the highest bonus of any small business credit card, which we estimate to be around $1,000. Bonuses on most business credit cards tend to max out at $600. What makes the deal even sweeter is that the bonus comes in the form of Ultimate Rewards points. We consider these to be the most valuable credit card points, because they can be redeemed at a high value and transferred to a number of airline and hotel programs at a 1:1 ratio.

Potential deal-breakers: The main drawback to this card's bonus is the high purchase minimum of $5,000 within the first three months of opening your account to qualify. That can be a steep for small firms or lean startups that have low expenses. If you go with a regular cash back card, you can get a bonus for spending as little as $500 or $1,000, but the bonus will be worth substantially less (sub $200).

5. Ink Business Cash℠ Credit Card

Why we like it: The Ink Business Cash℠ Credit Card is our top pick for small companies who want cheap short term financing, or more time to pay off existing debt. It's an excellent card that combines both a long 0% intro APR for 12 months on purchases with cash back rewards. Cash back rewards aren't common among even the most attractive low-interest business credit cards.

Potential deal-breakers: Although this card doesn't carry an annual fee, you'll get poor rewards if your business spends over $25,000 in a year. In addition, there are no travel rewards on this card, which could be a downside if your employees fly frequently.

6. CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Why we like it: The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a great option for small business owners who are loyal to American Airlines. The card earn 2 miles per dollar on American Airlines purchases, 2 miles per dollar in select business categories (telecommunications merchants, car rental merchants, cable and satellite providers, gas stations), and 1 mile per dollar on everything else. You'll also get a free checked bag on domestic American Airlines itineraries.

Potential deal-breakers: The main downside to this card, depending on your travel preferences, is that it earns American Airlines AAdvantage miles. This is great if you mainly fly American, but it's not so useful for people who prefer to find the cheapest fare, regardless of airline. If you're not an airline loyalist, consider a general travel rewards card like the Capital One® Spark® Miles for Business.

7. New! Southwest Rapid Rewards® Performance Business Credit Card

Why we like it: The New! Southwest Rapid Rewards® Performance Business Credit Card is a solid business credit card for people who fly Southwest and have internet-related expenses. You'll earn 3 points per dollar on Southwest airlines purchases; 2 points per dollar on social media and search engine advertising, Internet, cable and phone services; and 1 point per dollar on everything else. You'll also get four upgraded boardings per year, in-flight WiFi credits, a Global Entry or TSA Precheck fee credit once every four years, and more.

Potential deal-breakers: This card comes with a $199 annual fee, which isn't waived the first year. While the host of benefits make the fee worth it for Southwest-loyal business owners, some may not be able to justify shelling out nearly $200 per year on a credit card. If this is the case, consider the Southwest Rapid Rewards® Premier Business Credit Card, which comes with a $99 annual fee.

Summary of the best small business credit cards

We evaluated dozens credit cards to determine the best one for different types of business needs. Our research shows that the typical business card should provide $940 in rewards every two years — whether in cash back, points or miles. However, entrepreneurs may value perks differently, which is why we encourage all readers to compare multiple offers.

How to choose a small business credit card

In many ways, finding the best small business credit card is much like finding the top consumer card. This also means businesses which fail to pay off their credit card(s) in full every month should opt for a card with a low or 0% intro APR offer. That's because carrying a balance on your card means your business will have to pay costly interest fees. These interest fees often outweigh any of the benefits offered by other types of small business cards. A card with a low or 0% intro APR will give your company a grace period for interest payments, typically of a few months, on purchases, balance transfers or both.

Small businesses with bad credit or those that just recently launched a venture (and therefore have a limited credit history), should focus on strengthening their credit before applying for a card with rewards. Doing so will help business owners avoid applying for a card only to be denied. One strategy these business owners can take is to apply for a secured card, which is targeted towards businesses with subpar credit. Keep in mind that business credit scores are different than a consumer's credit score. However, applying for a small business credit card can result in a hard pull of your personal credit report. Banks may also evaluate your personal credit score when you apply.

Small businesses with limited spending, generally $1,000 per month or less, should search for a small business credit card without an annual fee. Generally, companies that spend less than this amount will not earn enough rewards from a card to justify paying an annual fee for a credit card.

The best small business credit cards will offer at least a 1.5% rewards rate and the rewards rate should more than offset any annual fees that the card may have. The leading options will have a sign-up bonus that's worth more than $200. Since the card is meant to be used for all of your business expenses, you should be able to request cards for your employees at no additional cost. Anyone looking for a card that aligns with (in some cases exceeding) the guidelines mentioned above, should consider applying for the Capital One® Spark® Cash for Business.

Other features that may be offered by small business credit cards, like the ability to connect to your account to QuickBooks or other expense management tools are nice to have, but not necessary. Of course, the larger your company becomes, the more these types of benefits will come in handy.

How we chose the best small business cards

Our team spent days analyzing 45 small business card on the market. After long discussions weighing the merits of one card over another, we decided that there isn't a single best business credit card. That's because small businesses are unique and need different perks and features from their credit card. This decision led to us crowning seven cards as the 'best' across seven different categories. We selected cards that offered the highest rewards rates, have longevity, offer valuable bonuses, offer employee cards, have worthwhile fees and come equipped with other valuable perks.

We understand that not every feature made available through small business credit cards can be quantified. For instance, how would you measure the value of being able to connect your credit card account to QuickBooks? You could account for the time savings and then compare that to the cost of labor. Of course, we'd have to account for how the cost of labor differs from region to region. You can quickly see why we decided to measure some of these features on a qualitative basis. Each card's features was debated by our in-house group of credit card experts and heavily scrutinized. In fact, several of our credit card experts own a business themselves.

To make sure that our analysis was comprehensive, we scoured our competitor's recommendations, popular online forums, and our site's own comments. We wanted to make sure that we caught the most significant concerns and details for business owners and managers. Our goal was to avoid any recommendations that might seem good on paper, but ultimately failed to live up to expectations. As a result of our diligence, we're positive we have put forth a great guide on selecting the best small business credit card of 2018.

Our Selection Criteria

Rewards rate: Our search was centered around finding small business cards that provide the greatest value. Within the universe of small business credit cards this means having a minimum rewards rate of 1.5%. We feel that most small businesses would be able to meet the minimum eligibility requirements set forth by credit card issuers to get a card with this rewards rate.

Staying power: A great small business card should provide value for as long as it's being used. We selected the best in-class cards under the assumption that most business owners will want to keep their account open for several years. By making this a set of our criteria, we were able to eliminate cards that provided great value through a sign-up bonus, but little redeeming value in their ongoing rewards.

Welcome offer: While we consider a card's long-term value to be more important than a welcome offer, bonuses are still critical as they can provide hundreds of dollars of value. While we didn't disqualify small business cards that didn't offer a sign-up bonus, we did dock them given the great offers that are available.

Employee cards: Given a small business credit card can accrue rewards for employee spending, we searched for cards that allowed business owners to order cards for their employees. There were two main considerations taken into account when it comes to employee cards: the number of additional cards that could be ordered and how much each card cost. The more cards that could be ordered and the less it costs, the better the card.

Fees: Annual fees are fair play when it comes to small business cards. However, that's only the case if a card offers enough rewards to offset the annual fee. We also considered other fees, such as foreign transaction fees, which grant cardholders the ability to spend freely when they're outside of the U.S. Under our scoring system, we penalized cards that carried a foreign transaction fee since we understand that certain small businesses have international travel needs.

Other business perks: Tracking and organizing expenses is important for any small-business. While determining the best small business cards, we took such features into account, but they weren't the primary scoring factor. We believe that these kinds of features are important and they add value, but they shouldn't be the determining factor when choosing a card.

What is the easiest business credit card to get?

If you're looking to get a business credit card that's guaranteed by your personal credit, you should already have good credit — i.e., a score that's at least in the high 600s. This is because most business credit cards, like the Chase lineup, require excellent personal credit. However, you may be able to meet application requirements if you can provide proof of income for your business. In most cases, Capital One business cards tend to have slightly more lenient credit requirements (they accept applicants with both good and excellent credit, among other factors), so these are your best bet if you don't have excellent credit.

How do I build credit for my business?

The most important step toward building a strong business credit profile is to incorporate your business and apply for an Employee Identification Number (EIN) through the IRS. The EIN functions like a social security number for your business, and it allows you to apply for credit cards with your business' credit score. Once you've incorporated your business, the next step to building business credit is to open a credit card.

How do small businesses get credit cards?

As mentioned above, the best way to get a business credit card is to, first, incorporate your business and, second, apply for an EIN through the IRS. Once you've done these steps, you can apply for a business credit card with your EIN and incorporated business name. Alternatively, some credit card issuers allow you to use your personal information to apply for a small business credit card.

Yowana Wamala

Yowana is a product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

Comments and Questions

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).