Best Business Credit Cards

Capital One's Spark business credit cards offer a range of options catering to diverse business needs. Whether you are a small business owner looking to build credit or a larger enterprise seeking robust rewards, there's a Spark card for you. Here's an overview to help you choose the best option for your business:

• Spark 1% Classic: Ideal for businesses building credit, this card offers unlimited 1% cash back on every purchase and 5% cash back on bookings through Capital One Travel. It has no annual fee and a variable APR of 30.74%​​.

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• Spark 1.5% Cash Select (Good Credit): This card provides unlimited 1.5% cash back on all purchases, 5% cash back on Capital One Travel bookings, no annual fee, and an introductory 0% APR for the first 12 months (21.24% - 29.24% variable APR thereafter)​​.

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• Spark 1.5% Cash Select (Excellent Credit): Similar to the Good Credit variant, this card offers the same cash back rates but with a lower variable APR of 18.49% - 24.49%. It also includes a $750 cash bonus when you spend $6,000 in the first 3 months

$750 Sign-up Bonus; 5% Cash Back on Communications & at Office Supply Stores; 2% Cash Back at Gas Stations & Restaurants

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Chase Ink Business Cash is a popular business credit card with a generous cash back rewards program, solid sign-up bonus, and reasonable APR. It holds down the Ink stable with the Chase Ink Business Preferred and Unlimited Cards (see below and above), both of which offer different (but no less rewarding) opportunities for frequent spenders.

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When you spend at least $7,500 within 3 months of opening your account, you get $750 bonus cash back. From day one, you earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services), up to $25,000 per year. You earn 2% cash back on gas station and restaurant purchases, up to $25,000 per year. After reaching the $25,000 cap, you earn unlimited 1% cash back on these spending categories. All other purchases earn 1% unlimited cash back as well.

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Redeem accumulated cash back for statement credits or direct deposits starting at $20, airfare booked through Chase’s Ultimate Rewards portal (which offers the opportunity to boost your cash back by 20%, turning $500 in cash back into $625 in travel purchases), gift cards, and Amazon purchases. Redemptions start at $20.

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Sign-up Bonus: Earn $750 bonus cash back when you spend at least $7,500 within 3 months of signing up.

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Key Fees: There’s no annual fee. Foreign transactions cost 3% of the total transaction amount.

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Introductory APR: 0% on purchases for 12 months.

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Regular APR: Following the conclusion of the introductory period, the regular purchase APR is 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. The cash advance APR is 24.99% variable.

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Other Perks: Chase’s Purchase Protection plan covers new purchases against damage or theft for 120 days, up to $10,000 per claim and $50,000 total per account. The Extended Warranty plan offers complimentary extended warranty protection for an additional 12 months on warranties originally set to expire after three years or less.

Enjoy a Fantastic Welcome Offer and 5x Points on Airfare & Hotels Booked Through Amex Travel

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American Express Business Platinum is a popular business card that comes with a generous welcome offer and lavish perks that compensate for a hefty annual fee of $595. 

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This card’s top perks include:

• A $200 statement credit for purchases made with an airline of your choice

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• Complimentary access to more than 1,100 airport lounges worldwide through the American Express Global Lounge Collection

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• Free Wi-Fi at more than 1 million Boingo hotspots worldwide

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• Reimbursement for TSA Precheck application fees (up to $100)

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• A 35% bonus when using Membership Rewards® points to book travel with your selected qualifying airline, up to 500,000 bonus Membership Rewards® points each calendar year

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The Business Platinum Card from American Express has a points-based rewards system and a fantastic welcome offer: 85,000 Membership Rewards points after you spend at least $15,000 on qualifying purchases in the first 3 months, plus 5 points per $1 spent on eligible purchases in 5 select business categories (up to 80,000 bonus points per category) during the first 3 months.

 

Moving forward, airfare and prepaid hotel purchases booked through American Express Travel earn 5 points per $1 spent. Purchases greater than $5,000 earn 1.5 points per $1 spent, up to a total of 1 million bonus Membership Rewards® each year. All other purchases earn an 1 point per $1.

 

Redeem accumulated points for gift cards, online shopping, travel purchases, statement credits, and more. Redemption minimums start at 1,000 points. Point values vary by redemption method, but rarely exceed $0.01 – for instance, statement credits value points at $0.006 apiece, while gift cards value points at $0.01 apiece.

Terms and conditions apply – see the full list of rates and fees.

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Welcome Offer: Earn 85,000 Membership Rewards® points after you spend at least $15,000 in qualifying purchases within 3 months of opening your account. Plus, earn 5 points per $1 spent on eligible purchases in 5 select business categories, all up to 80,000 bonus points per category, during the first 3 months

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Key Fees: There’s a $595 annual fee, but no foreign transaction fee. Late payments cost up to $39 or 2.99% of the outstanding balance, and returned payments cost up to $39. For rates and fees of the the Business Platinum Card® from American Express, please visit this rates and fees page.

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Introductory APR: None.

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Other Perks: Notable benefits for small business owners include up to $100 in annual purchase credits (statement credits) for U.S. purchases with Dell (terms apply). The Business Platinum Card has a host of lesser perks, including insurance coverage up to $2,000 for checked baggage ($3,000 cumulatively for checked and carry-on baggage) and 24/7 travel concierge service.

2% Cash Back on the First $50,000 in Eligible Purchases

American Express Blue Business Cash is a popular American Express credit card with a generous 0% APR introductory promotion (12 months), solid cash rewards program, and relatively low fees.

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All eligible purchases made with this card earn 2% cash back, up to $50,000 per year. Purchases over the $50,000 annual spending cap earn 1% cash back. Cash back automatically comes as a statement credit on the second statement after it’s earned. Terms and conditions apply – see rates and fees.

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Key Fees: There’s no annual fee, but foreign transactions cost 2.7%, and late and returned payments cost up to $39.

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Introductory APR: 0% APR for 12 months from account opening on purchases. For rates and fees of the American Express Blue Business Cash™ Card, please visit this rates and fees page.

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Regular APR: Following the end of the introductory period, variable regular APR applies: 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates. See rates and fees for more details.

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Other Perks: The Purchase Protection plan reimburses you for purchased items that are lost, stolen, or damaged within 90 days of purchase. This card also comes with extended warranties on purchased items with existing manufacturers’ warranties and access to exclusive offers from American Express®.

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Terms and Conditions Apply: See rates and fees

$750 Sign-up Bonus; Unlimited 1.5% Cash Back on All Eligible Purchases​

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Chase Ink Business Unlimited is an annual-fee-free business credit card that echoes Chase Freedom Unlimited, a consumer credit card that also earns unlimited 1.5% cash back. Ink Business Unlimited accrues cash back via Ultimate Rewards points, which can be redeemed for cash, gift cards, travel purchase, and general merchandise.

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Additional perks include a generous sign-up bonus – worth $750 after you spend $7,500 in purchases within 3 months – and a 12-month, 0% APR promotion on purchases. The latter is a rarity among small business credit cards.

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Sign-up Bonus: Earn $750 bonus cash after you spend $7,500 in purchases within 3 months after account opening.

Key Fees: This card has no annual fee and no employee card fees. The foreign transaction fee is 3%.
 

Introductory APR: 0% APR on purchases for 12 months from account opening.
 

Regular APR: Once the promotional period ends, the regular APR ranges between 13.24% to 19.24% variable, depending on your personal creditworthiness and prevailing interest rates.

Other Perks: Value-added benefits include complimentary auto rental insurance when you pay for your rental in full with your card, purchase protection on covered items for 120 days up to $10,000 per claim, and a 1-year extended warranty on items with existing eligible warranties of 3 years or less.

Earn 75,000 Points (Worth $750 Cash Back) When You Spend $7,500 in Eligible Net Purchases in the First 4 Months

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The U.S. Bank Business Leverage Visa Card® has a fantastic sign-up bonus and a generous rewards program that automatically earns 2 points per $1 spent on purchases in the top two categories where you spend the most each month – with no action required on your part.

All other eligible purchases earn 1 point per $1 spent, and you can redeem for cash back, travel, general merchandise, and more.

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If you process lots of payments, don’t miss the optional Encore Relationship Rewards program, which earns points based on net payment processing volume.

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Sign-up Bonus: Earn 75,000 bonus points after spending $7,500 in eligible purchases within the first 4 months your account is open on the account owner’s card. That’s worth $750 when redeemed for cash back.

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Key Fees: The annual fee is $95 after the first year. There is no fee for additional employee cards. The foreign transaction fee is 2% to 3% of the transaction amount, depending on denomination.

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Introductory APR: None.

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Other Perks: With U.S. Bank’s optional Encore Relationship Rewards program, you can earn points for taking credit card payments (based on net payment processing volume) in addition to regular spending with your Leverage card.

$300 Statement Credit With $3,000 in Eligible Spending in the First 90 Days; Up to 3% Cash Back on Select Purchases

 

Bank of America Business Advantage Cash Rewards is another no-annual-fee business rewards credit card from Bank of America®. This one earns up to 3% cash back on select purchases and boasts an easy-to-attain sign-up bonus.

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This card has a three-tiered cash back rewards program. Eligible purchases in one of your choice of six spending categories earn 3% cash back, while eligible dining purchases earn 2% cash back, up to $50,000 in annual combined category spending. All other eligible purchases earn unlimited 1% cash back, including 3% and 2% category purchases above the $50,000 spending cap.

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Plus, if you’re enrolled in the Preferred Rewards for Business program as a Platinum Honors member, you’ll earn 75% more cash back.

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Sign-up Bonus: Earn a $300 statement credit bonus when you spend at least $3,000 in net eligible purchases in the first 90 days after opening your account.

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Key Fees: There’s no annual fee. The foreign transaction fee is 3% of the total transaction amount. Cash advances cost the greater of $10 or 4%, except overdraft cash advances, which cost the greater of $10 or 3% (though you must enroll in the Bank of America® overdraft protection program to qualify for the lower fee).

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Introductory APR: See terms for the latest APR information.

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Regular APR: See terms for the latest APR information.

Other Perks: Enjoy cash flow management tools, complimentary travel coverages, and overdraft protection transfers from your cash advance account.

 

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65,000 Bonus Miles After Spending $4,000 in Eligible Purchases Within the First 4 Months

 

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a fantastic spending aid for frequent American Airlines flyers (and anyone who flies with American’s alliance partners). Its rewards program promises 2 AAdvantage miles per $1 spent on American Airlines purchases, plus 2 miles per $1 spent on purchases in four business spending categories:

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• Telecommunications (including cell phones and plans)

• Cable and satellite providers

• Gas stations

• Car rental merchants

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All other purchases earn an unlimited 1 mile per $1 spent.

This card has an excellent sign-up bonus that should more than cover the mileage cost of a round-trip main cabin award flight anywhere in the United States. Don’t miss the companion certificate offer, a nice perk for heavy spenders, and the multitude of in-flight benefits.

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Sign-up Bonus: Earn 65,000 bonus AAdvantage miles after spending $4,000 in eligible purchases within the first 4 months your account is open.

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Key Fees: The annual fee is $99 after the first year. There’s no foreign transaction fee.

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Introductory APR: None.

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Other Perks: Enjoy a companion certificate (good for one round-trip main cabin domestic airfare) after spending $30,000 or more in purchases in a card membership year. Plus, get priority boarding, 25% off in-flight Wi-Fi, and a free checked bag for yourself and up to four ticketed traveling companions on American Airlines flights.

3% Cash Back on Eligible Purchases & 25% Annual Bonus on Cash Back Earnings (Up to $250 Bonus Cash)

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The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent business cash back credit card that earns 3% cash back on eligible net gas station, office supply store and cell phone or service provider purchases and 1% cash back on all other eligible purchases. Plus, you’ll get a 25% annual cash back bonus, up to $250. And there’s no limit to how much you can earn or redeem.

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Sign-up Bonus: Earn $500 bonus cash back after spending $4,500 in eligible purchases during the first 150 days your account is open.

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Key Fees: There is no annual fee or fee for additional employee cards. The foreign transaction fee is 2% to 3% of the transaction amount, depending on denomination.

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Introductory APR: 0% APR on purchases and balance transfers for the first 15 billing cycles your account is open, then variable regular APR applies.

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Other Perks: This card comes with a standard lineup of World Elite Mastercard protections and benefits.

2X Points on up to $50,000 in Purchases per Year

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Blue Business Plus is a popular American Express business card with a nice rewards program and a long 0% APR introductory promotion.

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This card rewards you for conducting business as usual. You earn 2X points on everyday business purchases such as office supplies or client dinners. The 2X rate applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

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Redeem accumulated points for gift cards, online merchandise purchases, travel purchases, and more through American Express’s Membership Rewards® portal. Points are typically worth $0.005 to $0.01 when redeemed, and redemption minimums start at 5,000 points. 

Terms and conditions apply – see the full list of rates and fees.

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Key Fees: There’s no annual fee. Foreign transactions cost 2.7% and balance transfers cost $5 or 3%. Late and returned payments cost up to $39.

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Introductory APR: 0% APR on purchases for 12 months from account opening date. Then variable regular APR applies, based on your creditworthiness and other factors. For rates and fees of the Blue Business® Plus Credit Card from American Express, please visit this rates and fees page.

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Regular APR: Following the end of the introductory period, the variable regular APR for purchases currently rises to 13.24% to 19.24% variable, depending on prevailing interest rates and your personal creditworthiness. Please visit this rates and fees page for more detail.

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Other Perks: Get a complimentary 12-month extended warranty on items covered by manufacturers’ warranties of five years or less.

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Terms and Conditions Apply: See rates and fees

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