Overview
Compare the best business credit cards for small businesses. Expert reviews on cash back, travel rewards, and expense management tools. Finding the right option depends on your specific needs, spending habits, and financial goals. Below we break down the key factors to consider and the top choices available.
Top Business Credit Cards Compared
| Card | Annual Fee | Best For | Rating | |
|---|---|---|---|---|
| Chase Ink Business Preferred | $95 | 3x on travel, shipping, ads, telecom | ⭐ 4.8 | Read Review → |
| Amex Business Gold | $375 | 4x on top 2 spending categories | ⭐ 4.6 | Read Review → |
| Capital One Spark Cash Plus | $150 | 2% flat cash back on everything | ⭐ 4.5 | Compare → |
How These Cards Compare
Chase Ink Business Preferred offers a strong balance of reasonable fee and valuable bonus categories common to most small businesses (travel, shipping, advertising, internet/phone). Amex Business Gold automatically applies 4x to your top 2 spending categories each billing cycle, adapting to your actual business expenses. Capital One Spark Cash Plus keeps things simple with a flat 2% on every purchase.
What to Look for in a Business Card
Consider your typical spending categories, whether you want employee cards included at no extra cost, and if the issuer reports to business credit bureaus (which keeps activity separate from your personal credit).
Frequently Asked Questions
Most business cards require a personal guarantee, meaning your personal credit is checked at application and may be affected by missed payments, even though everyday activity typically reports to business bureaus, not personal ones.
Yes — sole proprietors can apply using their Social Security Number if they don't have an EIN, and are eligible for the same business cards as incorporated businesses.