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A business credit card is one of the best resources for your small business. These cards allow companies to build business credit, which can help them qualify for better financing. Access to more capital at lower interest rates can make other resources more accessible for business owners.

However, every business credit card gives you the opportunity to build credit. The issuers report your company’s payment history to the major credit bureaus so your score gets updated over time. Business credit card companies have been upping the ante with rewards and other perks for their cardholders.

There are a variety of business credit cards for you to choose from. Here are our top choices.

Best business credit cards

1. Ramp Corporate Card

2. U.S. Bank Business Triple Cash Rewards World Elite Mastercard

3. Ink Business Premier Credit Card

4. Bank of America Business Advantage Unlimited Cash Rewards Mastercard

5. Capital One Venture X Business Card

6. Blue Business Plus Credit Card from American Express

7. Ink Business Cash Credit Card

8. Capital One Spark Cash Select

9. American Express Business Gold Card

10. Amazon Business Prime American Express Card

Here's a look at each of these cards in more detail.

Can you open a business credit card without any income?

It’s possible to open a business credit card even if your company is just starting out. Some credit card issuers do not require your startup to generate any revenue to qualify for a card.

These issuers will look at your personal credit score and may request that you make a personal guarantee. This guarantee requires that you use your personal assets to pay off any business credit card debt that the company cannot cover. Personal guarantees get around corporate protection.

As your startup grows and generates more revenue, it will become easier to qualify for the best business credit cards and receive lower interest rates. 

Can you get a business credit card if you have bad personal credit?

A low personal credit score will make it more difficult to get a business credit card, but you still have options. Many issuers offer secured credit cards for companies that are getting started or want to repair bad credit. 

Secured business credit cards require a security deposit to get started. This security deposit becomes your credit limit, and you'll only receive it back if you close your card or upgrade to an unsecured business credit card. 

Some banks offer seamless upgrades if you demonstrate a good payment history and responsible credit use. These upgrades can take place as early as six months after you open a secured credit card. Leveling up to an unsecured business credit card typically comes with a higher credit limit and better rewards for every purchase.

Grow your business with the Ramp corporate card

Every business needs access to additional capital. More funds allow you to make more investments and acquire assets that take your business to the next level. The Ramp Corporate card is a popular choice for many companies since it doesn’t have a preset spending limit.

As long as you pay off the balance each month, your spending limit can comfortably exceed the limits set by other credit card issuers. You'll also receive 1.5% cashback and don’t have to worry about any fees, including APR.

Want to learn more about the Ramp card? You can get a free demo and discover if it’s the right card for your company.

Try Ramp for free
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CPFC, Contributor Finance Writer
Marc Guberti is a certified personal finance counselor and a freelance writer. His work has been featured in US News & World Report, Newsweek, Fox Business, and other publications.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


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