Small business owner, listen: If you don’t have a business credit card in your wallet, it’s time to add one.
Getting a business credit card does not have to be complicated. In fact, it may be easier than you think to complete a business credit card application and check your business credit score.
Separating your business and personal expenses is a smart financial move, and there are many great credit card options to win rewards for your business expenses. Here are some tips for cards that are suitable for your small business strategy.
The best small business credit card
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The best small business credit cards
Options for your first commercial credit card
Assuming you have done this, incorporate your personal and business credit into a good place, and you can apply for a business credit card, your next step is to determine which credit card you should choose.
If you are looking for the first business credit card, you may need a card that costs less or may not have an annual fee. All cards listed in this guide charge no more than $99 per year, which is ideal for small businesses just starting to start.
With that in mind, here are some of our favorite small business credit cards.
Chase Ink Business First Choice
What business owners who want to earn profitable chase ultimate reward points will appreciate Ink business priority discount.
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Welcome offer: Spend $8,000 to earn 90,000 bonus points in the first three months after the account is opened.
As of September 2025, TPG estimated this bonus to $1,845.
Annual fee: $95
Earn structure: You will earn 3 points per dollar on advertising, cable, internet and telephone services, shipping and travel purchases (each account anniversary year, then 1 point per dollar). You will spend 1:1 on all other purchases.
Why we like it: Based on our September 2025 valuation, small business owners in the bonus category covered by these cards can expect a 6.2% fee return rate. These categories (including travel, transportation, and advertising) are common expenses and are easy to maximize.
Additionally, this card offers allowances such as purchase protection and mobile phone protection for low prices.
To learn more, read our full review of the ink business preferred.
Chasing the Ink Business Unlimited
If you are a Chase fan and are looking for an unfamiliar business card, Ink business unlimited Probably a good choice.
Current welcome offer: Spend $6,000 in purchases in the first three months of opening and earned $750 in bonus cashback.
Annual fee: $0
Earn structure: With the unlimited ink business, you will earn 1.5% cash back on each purchase without limiting your income.
Why we like it: Ink Business Unlimited is simple: You don’t pay an annual fee and you earn cash at a fixed interest rate without tracking multiple reward categories.
The real power of this card appears when you still have an advanced chase card. Based on our September 2025 valuation, holding one of the four cards below, you can convert your cash reserves into chase points, essentially double its value:
To learn more, read our full review of Ink Business Unlimited.
Apply here: Ink business unlimited
Amex Blue Business Plus
If you want to earn American Express membership bonus points without paying an annual fee, investigate Amex Blue Business Plus.
Current welcome offer: Spend $3,000 in the first three months of card membership to earn 15,000 bonus points on eligible purchases.
According to TPG’s September 2025 valuation, this welcome offer is worth $300.
Annual fee: $0
Earn structure: With Blue Business Plus, you will earn 2 points per dollar to all qualified purchases (up to $50,000 per year, then 1 point per dollar).
Why we like it: Small business owners interested in earning Amex points can’t go wrong with this unpopular choice.
TPG’s September 2025 valuation focuses on membership reward points, each with a valuation of 2 cents. This means your purchase return on earnings does not need to track any bonus categories (in the first $50,000 of each calendar year, then an estimated 2% return).
We recommend transferring these points to one of Amex’s 20 airlines and hotel travel partners to book air tickets or hotel accommodation. For example, you can use Flying Blue’s monthly promotional reward to transfer AMEX points to Air France-klm flight blue to book discounted flights to Europe.
To learn more, read our full review of Amex Blue Business Plus.
Apply here: Amex Blue Business Plus
Amex Blue Commercial Cash
Return your small business’ daily expenses by earning cash. Amex Blue Commercial Cash.
Current welcome offer: Earn $250 in a stated credit after making a $3,000 qualified purchase on the card within the first three months of a card membership.
Annual fee: $0
Earn structure: Blue Business Cash earns 2% cashback on all eligible purchases (up to $50,000 per year and then receives 1% cashback on all purchases). Earned cash backs are automatically credited to your statement.
Why we like it: With blue business cash, you don’t have to worry about maximizing any bonus categories, thus making the cash discount revenue simple for businesses with a wider list of expenses.
Additionally, you will have access to Extended Warranty*, Purchase Protection*, and Grade 2 Car Rental Loss and Damage Insurance**.
*Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. Please visit AmericaneXpress.com/benefitsguide for more details. Undertaken by Amex Assurance Company.
**Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. Please visit AmericaneXpress.com/benefitsguide for more details. Undertaken by Amex Assurance Company. Provides car rental loss or loss coverage through American Express travel-related services.
To learn more, read our full review of Amex Blue Commercial Cash.
Apply here: Amex Blue Commercial Cash
The Capital One Spark Mile Business
You can earn a mile of transferable capital on the business of Spark Miles.
Current welcome offer: Earn 50,000 miles of bonus miles, spending $4,500 in the first three months of opening an account.
According to TPG’s September 2025 valuation, the bonus is worth $925.
Annual fee: $0 for the first year introductory annual fee, then $95
Earn structure: Commercial Spark Mileage earns 2 miles per dollar on most purchases. You will earn 5 miles on hotels, vacation rentals and hotels booked through Capital One’s travel portal.
Why we like it: This card earns a mile at a simple speed without remembering the bonus category, so it is a great option for small business owners with multiple fees.
Capital One Mile is a valuable currency that can be transferred to more than 15 travel partners. For example, you can transfer a mile of capital to British Airways and use these Avios to book flights to multiple airlines, including Aer Lingus, British Airways, Finnair, Iberia, Loganair, Loganair and Katar Airways.
To learn more, read our full review of Spark Miles business.
Learn more: Spark Mile for Business
Capital One Spark Cash Choice
The young fee Spark Cash Select makes income from general business expenses easy.
Current welcome offer: After earning $500 in cash back, it cost $4,500 in purchase fees from the first three months of opening the account.
Annual fee: $0
Earn structure: You will earn 1.5% cash back on most purchases. You will earn 5% cash on hotels and cars booked through Capital One’s travel portal.
Why we like it: With this card, you will get simple cash back on business purchases through Capital One’s travel booking website and be able to earn more on select bookings.
Small business owners who don’t want to worry about redeeming miles and prefer cash rewards will love the simplicity of this card.
To learn more, read our full review of Spark Cash Select.
Learn more: Spark Cash Choice
US banking business advantages Custom cash
Bank of America often slides under radar compared to major issuers such as Chase and American Express, but small business owners should absolutely consider it US banking business advantages Custom cash.
Current welcome offer: After making a $3,000 purchase within the first 90 days of opening, earning $300 in statement credit.
Annual fee: $0
Earn structure: US Banking Advantage Custom Cash earns 3% of revenue in the category you choose because of the first $50,000 merged category/food purchase year for each calendar year, after which 1% is available. Qualified categories include:
- Business Consulting Services
- Computer Services
- Gas stations and electric vehicle charging stations
- Office Supplies Store
- travel
- TV/telecom and wireless
You will also earn 2% of your income on your catering purchases, while other purchases earn 1% of your return.
Why we like it: You can select the earning category that suits your business model and change this category monthly to suit your business operations.
Cash backs can be redeemed for a check or savings account at Bank of America or as a statement credit. You can also choose to automatically redeemed cashback monthly, but remember that the minimum redemption price is $25.
Additionally, members of the Bank of America’s preferred Rewards® program can earn rewards at rates up to 75%, meaning you can use this card to get up to 5.25% rewards in your selected category. The reward rate you receive depends on the amount you have in this program.
To learn more, read our full review of business advantages custom cash.
Apply here: US banking business advantages Custom cash
Bottom line
There are many aspects to consider when starting a small business. Understanding and building your business credit score can help you get more credit, which will free up funds to help your business succeed financially.
Now that you know more about business credit cards and why it is important to consider adding one of these reliable options as your first business credit card. Ultimately, it could be the ideal spending tool for your small business.
Related: Business Credit Card Tips Everyone Should Pay Attention
For rates and fees for Amex Blue Business Plus cards, click here.
For rates and fees for Amex Blue Commercial Cash Cards, click here.
