10 best small business credit cards of December 2024

• Cashback rewards
• Issue an unlimited number of employee cards
• Access to over $350,000 in offers from multiple partners
• Automated expense management software
• Track vendors and receive pricing insights from one dashboard
• Automated accounts payable
• Zero fees or interest

• No interest or fees
• Cashback rewards
• No personal guarantee

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• Balances do not carry over, so you must pay them by the end of each month
• Your business must be incorporated to qualify for a card
• You need at least $50,000 in a business bank account to qualify

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• 3% cashback on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
• Unlimited 1% cashback for all other purchases
• $100 credit for recurring software subscriptions
• No annual fees
• 0% introductory APR for the first 15 months of account opening
• 5% cashback on prepaid hotels and car rentals booked directly in the Travel Rewards Center
• $500 cash back if your eligible net purchases exceed $4,500 within the first 150 days from account opening

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• 0% intro APR for the first 15 months
• No annual fees
• Elevated cashback for some categories

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• Only unlimited 1% cashback on all other categories
• 3% foreign transaction fee
• 3% balance transfer fee after the intro period concludes

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• $1,000 cash bonus after you spend $10,000 on purchases within the first three months from account opening
• 2.5% cashback on all large purchases of $5,000 or more
• Unlimited 2% cashback on all business purchases
• $195 annual fee
• Unlimited employee cards
• You must pay your balance in full each month
• 5% cashback on Lyft rides through March 2025

• High cashback
• No foreign transaction fee
• High welcome bonus

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• No intro APR offer
• $195 annual fee
• Pay in Full requires that you repay your balance at the end of each month (Chase Flex exceptions apply)

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• Unlimited 1.5% cashback on all purchases
• Preferred Rewards for Business lets you earn up to 75% more cashback depending on your tier
• No annual fee
• 0% intro APR for the first nine billing cycles
• $300 online statement credit after you make at least $3,000 in purchases within the first 90 days of account opening
• $100,000 in travel accident insurance
• Balance Connect offers overdraft protection

• Unlimited 1.5% cashback
• No annual fee
• 0% intro APR for the first nine months

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• No cashback category that lets you earn 3% on every purchase
• 3% foreign transaction fee
• 4% balance transfer fee

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• 2x miles on every purchase
• 150,000 bonus miles if you spend at least $30,000 in the first three months ($1,500 in travel)
• Receive an annual $300 travel credit for booking through Capital One Travel
• 10,000 bonus miles every year, starting on your first anniversary
• Skip the lines with TSA PreCheck or Global Entry
• Pay-in-full card
• No preset spending limit
• $395 annual fee

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• No preset spending limit
• 2x miles on every purchase
• Skip long airport lines

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• You need an excellent credit score to qualify for this card
• High annual fee
• You must pay the balance in full at the end of each month

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• No annual fee
• Earn 30,000 membership rewards points after you spend $6,000 in purchases within three months of account opening
• 0% intro APR for the first 12 months
• 2x points on up to $50,000 per year
• Unlimited 1x points on all other purchases
• Buy above your credit limit with Expanded Buying Power
• Expense management tools

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• No annual fee
• Start off with 2x points on up to $50,000 per year
• Exceed your credit limit when necessary

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• Only receive unlimited 1x points back after spending more than $50,000
• 2.7% foreign transaction fee
• 3% balance transfer fee

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• No annual fee
• 0% intro APR for the first 12 months
• Earn $350 after spending $3,000 within the first three months of account opening
• Earn an additional $400 when you spend $6,000 on purchases within the first six months of account opening
• Earn 5% cashback each account anniversary year on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services
• Earn 2% cashback on the first $250,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Unlimited 1% cashback on all other purchases
• Get automatically checked for a credit line increase every six months

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• Automatic credit limit increases
• High cashback rewards for some categories
• 0% intro APR for the first 12 months

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• Only unlimited 1% cashback for non-qualifying categories
• 5% balance transfer fee
• 3% foreign transaction fee

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• Unlimited 1.5% cashback
• Earn a $750 cash bonus when you spend $6,000 in the first three months of account opening
• No annual fee
• 18.49% - 24.49% variable APR based on your creditworthiness
• Receive itemized reports at the end of the year that summarize your spending and simplify taxes
• Virtual card numbers

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• Make safer online payments with virtual card numbers
• Low max APR
• No balance transfer fee

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• An excellent credit score is required
• Some cards have elevated cashback rewards for specific categories
• High 34.65% penalty APR

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• Earn 125,000 membership rewards points after spending $10,000 within the first three months of card membership
• $375 annual fee
• 4x points on your top two eligible categories
• 3x points on flights and pre-paid hotels booked on AmexTravel.com 
• 1x points on all other eligible purchases
• $240 flexible business credit for purchases at select business merchants
• $155 Walmart+ credit

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• High points back rewards
• No foreign transaction fee
• Statement credits for Walmart+ and qualifying business merchants

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• High annual fee
• $39 late payment fee or 2.99% of any past due Pay in Full amount, whichever is greater
• The value of a point varies based on how you redeem the reward

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• No annual fee
• 3% cashback or 60-day terms on U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market
• 2% cashback at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• Earn 1% cashback on all other purchases
• Receive a $100 Amazon Gift Card upon approval
• No foreign transaction fees
• Travel benefits like Car Rental Loss and Damage Insurance, Global Assist Hotline, and Baggage Insurance Plan

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• No annual fees
• 3% cashback for some categories
• Receive the bonus right away instead of having to spend enough money on eligible purchases within a few months of account opening

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• 3% cashback only applies for the first $120,000 in purchases each calendar year before going down to 1% cashback
• Low bonus offer
• The cash advance fee comes to $5 or 3% of the amount, depending on which amount is higher

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