- Best small business credit cards
- Can you open a small business credit card without any income?
- Can you get a small business credit card if you have bad personal credit?
- Grow your business with the Ramp Business Credit Card
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 small business credit cards
1. Ramp Business Credit 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.
Card comparison
- 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
Annual Fee
$0
APR
N/A
U.S. Bank Business Triple Cash Rewards World Elite Mastercard- 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
Annual Fee
$0
APR
19.24%–28.24%
Chase Ink Business Premier Credit Card- $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
Annual Fee
$195
APR
19.49%–27.49%
Bank of America Business Advantage Unlimited Cash Rewards Mastercard- 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
Annual Fee
$0
APR
18.49%–28.49%
Capital One Venture X Business Card- 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
Annual Fee
$395
APR
19.99–29.24% (variable)
American Express Blue Business Plus- 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
Annual Fee
$0
APR
18.49%–26.49%
Chase Ink Business Cash Credit Card- 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
Net Savings
$0
APR
18.49% (variable)
Personal Guarantee
Required
Capital One Spark Cash Select for Business- 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
Annual Fee
$0
APR
18.49%–29.24%
American Express Business Gold Card- 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
Annual Fee
$375
APR
19.49%–28.49%
Amazon Business American Express Card- 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
Annual Fee
$0
APR
19.49%–27.49%
Can you open a small 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 small 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 Business Credit 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 Business Credit 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 cashback on purchases 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.
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