Selecting the right business credit card is crucial for entrepreneurs aiming to optimize cash flow, earn rewards, and manage expenses effectively. The ideal card aligns with your business’s spending patterns and financial goals. Here are some top business credit cards for entrepreneurs, highlighting their key features and benefits.
1. Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card offers a robust rewards program tailored for businesses.
- Rewards: Earn 3 points per $1 on the first $150,000 spent annually on travel, shipping, internet, cable, phone services, and advertising purchases made with social media and search engines. All other purchases earn 1 point per $1.
- Sign-Up Bonus: Earn 100,000 bonus points after spending $15,000 within the first three months.
- Annual Fee: $95.
- Additional Benefits: Employee cards at no extra cost, travel and purchase protection, and no foreign transaction fees.
This card suits businesses with significant spending in the specified categories, offering substantial rewards and comprehensive benefits.
2. American Express® Business Gold Card
The American Express® Business Gold Card provides flexible rewards that adapt to your business’s spending habits.
- Rewards: Earn 4 Membership Rewards® points per $1 on the two categories where your business spends the most each billing cycle, from a list of six categories, on up to $150,000 in combined purchases annually. All other purchases earn 1 point per $1.
- Welcome Offer: Earn 70,000 Membership Rewards® points after spending $10,000 within the first three months.
- Annual Fee: $295.
- Additional Benefits: Expense management tools, no foreign transaction fees, and access to the American Express® Business App for tracking expenses.
This card is ideal for businesses with varying expenses, allowing you to maximize rewards in your top spending categories.
3. Capital One Spark Cash Plus
The Capital One Spark Cash Plus offers straightforward, unlimited cash back on all purchases.
- Rewards: Earn 2% cash back on every purchase, with no limits or categories to track.
- Sign-Up Bonus: Earn up to $1,000: $500 after spending $5,000 within the first three months, and an additional $500 after spending $50,000 within the first six months.
- Annual Fee: $150.
- Additional Benefits: No preset spending limit, free employee cards, and no foreign transaction fees.
This card benefits businesses with diverse spending needs, offering consistent cash back without category restrictions.
4. The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card is a no-annual-fee option with a solid rewards structure.
- Rewards: Earn 2 Membership Rewards® points per $1 on the first $50,000 spent annually; all other purchases earn 1 point per $1.
- Welcome Offer: Earn 15,000 Membership Rewards® points after spending $3,000 within the first three months.
- Annual Fee: $0.
- Additional Benefits: Expanded buying power, expense management tools, and no foreign transaction fees.
This card is suitable for businesses seeking a no-annual-fee option with flexible rewards.
5. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card offers simple, unlimited cash back with no annual fee.
- Rewards: Earn 1.5% cash back on every purchase, with no limits.
- Sign-Up Bonus: Earn $750 bonus cash back after spending $7,500 within the first three months.
- Annual Fee: $0.
- Additional Benefits: Employee cards at no extra cost, purchase protection, and travel and emergency assistance services.
This card is ideal for businesses preferring straightforward cash back without category tracking.
6. American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card provides cash back with no annual fee.
- Rewards: Earn 2% cash back on all eligible purchases up to $50,000 annually; 1% cash back thereafter.
- Welcome Offer: Earn a $250 statement credit after spending $3,000 within the first three months.
- Annual Fee: $0.
- Additional Benefits: Expanded buying power, expense management tools, and no foreign transaction fees.
This card suits businesses seeking cash back with no annual fee and moderate spending.
7. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers cash back in key business categories.
- Rewards: Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers, and restaurants; 1% cash back on all other eligible purchases.
- Sign-Up Bonus: Earn $500 cash back after spending $4,500 within the first 150 days.
- Annual Fee: $0.
- Additional Benefits: 0% introductory APR on purchases and balance transfers for 15 billing cycles, free employee cards, and no foreign transaction fees.
This card is ideal for businesses with significant spending in the specified categories, offering substantial cash back and a generous introductory APR period.
8. Bank of America® Business Advantage Customized Cash Rewards Mastercard®
The Bank of America® Business Advantage Customized Cash Rewards Mastercard® allows you to choose your top cash back category.
- Rewards: Earn 3% cash back in a category of your choice, 2% on dining, and 1% on all other purchases. The 3% and 2% cash back apply to the first $50,000 in combined choice category/dining purchases each calendar year; 1% thereafter.
- Sign-Up Bonus: Earn a $300 statement credit after spending $3,000 within the first 90 days.