Small-business credit cards aren't just for people with storefronts or offices. If you're a freelancer, have a "side hustle" or do gig work, you may be a candidate for a small-business credit card, too. Having a dedicated card for your money-making enterprise helps you keep business and personal finances separate. And many small-business cards offer rewards and perks to rival some of the best consumer cards. Below, you'll find our favorite small-business cards, plus information on what it takes to apply for them and how they differ from consumer cards.
Best Small Business Credit Cards
- American Express Blue Business Cash™ Card
- Brex Card for Startups
- Ink Business Preferred® Credit Card
- Capital One Spark Cash for Business
- Ink Business Cash® Credit Card
- The Blue Business® Plus Credit Card from American Express
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American Express Blue Business Cash™ Card
You get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. For rewards, you earn 2% cash back on the first $50,000 in purchases each year, and 1% after that. Terms apply.
The $50,000 cap on 2% cash back makes this card a poor fit for businesses with high expenses. Prefer Amex points to cash back? See The Blue Business® Plus Credit Card from American Express.
Brex Card for Startups
Apply for the card through NerdWallet for a great offer: 75,000 in Brex Rewards points upon signup and waived card fees for life (equal to $750+ value). This card pays 1 point per dollar spent on purchases, but if you make the Brex Card for Startups your only company card, you'll earn elevated rewards on rideshares (7 points per dollar), travel booked through Brex (4 points per dollar), restaurants (3 points per dollar) and recurring software expenses (2 points per dollar). You'll also qualify for valuable offers from such business service providers as Amazon Web Services, Google Ads, WeWork and Salesforce.
Your business must have a $100,000 bank balance to apply. This is a charge card, not a credit card, meaning the balance is due in full each billing cycle.
Ink Business Preferred® Credit Card
If your business's budget includes enough expenses to earn it, the sign-up bonus is worth $1,250 if you redeem the points for travel booked through Chase. (You can also transfer points to a dozen or so airline and hotel programs, including United, Southwest, Marriott and Hyatt.) You'll earn 3 points per dollar on up to $150,000 a year in spending on travel, telecommunications (internet, phone and cable), shipping, and advertising on social media and search engines; all other spending earns 1 point per dollar.
This card's bonus categories aren't a good fit for all business owners. There's an annual fee of $95. After the first year, you’d have to spend at least $2,534 before the rewards make up for the annual fee. This might not matter as much to you, though, if you deduct the fee as a business expense on your taxes.
Capital One Spark Cash for Business
If your business expenses don't fall neatly into the bonus categories on other cards, a flat-rate cash back card is perfect for you, especially one that pays a generous 2% cash back on everything. This card also comes with a handsome sign-up bonus.
There's an annual fee of $0 intro for the first year, then $95. After the first year, you’ll need to put $4,750 on the card annually to break even. If you plan to spend less, consider a no-annual-fee card instead.
Ink Business Cash® Credit Card
You get 5% cash back on up to $25,000 in combined spending per account year at office supply stores and on internet, cable and phone services; 2% cash back on the first $25,000 in combined spending per account year at gas stations and restaurants; and 1% on everything else. There's a great sign-up bonus, a 0% intro APR period and a $0 annual fee.
The bonus categories might not be a good match for your spending — and the limit on spending eligible for 5% or 2% rewards might be too low for some businesses.
The Blue Business® Plus Credit Card from American Express
You'll get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. For rewards, the card gives you 2 Membership Rewards points per dollar spent on everything, on up to the first $50,000 in purchases made every year, and 1 point per dollar after that. (Terms apply.)
The $50,000 spending cap on double points reduces this card's value for businesses with high operating expenses. Prefer cash to points? See the American Express Blue Business Cash™ Card.