Overview
Find the best credit cards for small businesses and sole proprietors. Compare rewards, credit limits, and employee card options. 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.
Best Cards for Small Businesses
| Card | Annual Fee | Best For |
|---|---|---|
| Chase Ink Business Cash | $0 | 5% on office supplies, internet, phone |
| Capital One Spark Cash Select | $0 | 1.5% flat cash back, no fee |
| American Express Blue Business Cash | $0 | 2% on first $50K annually |
Why No-Fee Cards Work for Many Small Businesses
Small businesses with modest spending often do better with a no-fee card that still delivers solid cash back, rather than paying for premium travel-focused cards whose perks may go unused.
Frequently Asked Questions
No-fee cash-back cards like Capital One Spark Cash Select or Amex Blue Business Cash tend to have somewhat more accessible approval criteria than premium travel cards, though good personal credit is still typically required.
No — sole proprietors and freelancers can apply for business cards using their own name and Social Security Number, without needing to form an LLC first.