- 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 Visa Business Credit Card- The U.S. Bank Business Triple Cash Rewards Visa Business Card offers between 1%–3% cashback on eligible purchases
- Not all purchase categories qualify for elevated rewards
- Introductory 0% APR for 12 months, followed by a high variable APR
- Annual $100 statement credit for recurring software subscription expenses
Annual Fee
$0
Intro APR
0% for 12 months
Regular APR
17.99%–26.99%
Rewards
Cashback
Chase Ink Business Premier Credit Card- Business credit card with travel and purchase protections
- 2%–2.5% cashback rewards on purchases
- Free physical employee cards with optional spend limits
- $10,000 minimum credit limit
- $1,000 bonus cashback after spending $10,000 in your first 3 months
Annual Fee
$195
APR
18.49%–26.49% variable with Flex for Business
FX Fees
$0
Rewards
Cashback
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 CardA premium business travel card offering high reward rates on travel purchases and access to luxury travel benefits. As a pay-in-full card, it requires full monthly balance payments. Late payments are subject to a fee.
Net Savings
$395
APR
N/A
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- 2% cashback on gas station purchases and dining at restaurants (on the first $25,000 in combined purchases per account anniversary year, then 1%)
- 5% cashback on the first $25,000 spent at office supply stores, internet, cable, and phone services per account anniversary year
- 1% cashback on all other purchases
- Offers a $750 bonus after spending $6,000 in the first 6 months
- 0% intro APR for 12 months on purchases, followed by a variable APR
- No annual fee
- Employee cards at no additional cost
Annual Fee
$0
APR
18.49%–24.49% (variable)
Recommended Credit Score
700–850 (good to excellent)
Rewards Rate
1%–5%
Capital One Spark Cash Select for Business- The Capital One Spark Cash Select for Business offers travel cashback opportunities ideal for businesses that spend a lot of time in the air.
- It includes a 0% APR intro period for 12 months from the date of account opening.
- After the intro period, a higher regular APR applies, which might make it difficult to keep up with payments.
- Earn unlimited 1.5% cash back on every purchase.
Annual Fee
$0
Intro APR
0% for 12 months
Regular APR
17.49%–23.49%
Rewards
Cashback
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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