Best Business Cards of March 2024
The best business credit cards available offer a blend of lucrative rewards and business-friendly benefits tailored to various professional needs. These cards cater to a wide range of businesses, from freelancers and small enterprises to large corporations, providing perks like cashback on office supplies and travel expenses, points for everyday business purchases, and significant travel rewards. They often feature generous welcome bonuses and introductory APR offers, enhancing their appeal to new cardholders.
Additionally, these top-tier cards often come with added benefits like expense management tools, higher credit limits, and premium customer service, making them not just a means of payment but a key component in business financial management. The right business credit card can serve as a powerful tool for optimizing cash flow, earning rewards on routine purchases, and managing business expenses more effectively, thereby supporting overall business growth and efficiency.
| Credit Card | Our Rating | Annual Fee | Rewards Rate | Intro Offer | Learn More |
|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card | 5.0/5 | $0 | 1.5% | $900 | Apply Now |
 Ink Business Cash® Credit Card | 4.7/5 | $0 | 1%-5% | $900 | Apply Now |
 Capital One Spark Cash Plus | 4.9/5 | $150 | 2%-5% | $1,200 | Apply Now |
Ink Business Preferred® Credit Card | 5.0/5 | $95 | 1x-3x Points | 100,000 Points | Apply Now |
 The Blue Business® Plus Credit Card from American Express | 4.5/5 | $0 | 1x-2x Points | 15,000 Points | Apply Now |
 Capital One Venture X Business | 5.0/5 | $395 | 2x-10x | 150,000 Miles | Apply Now |
 IInk Business Premier℠ Credit Card | 5.0/5 | $195 | 2%-5% | $1,000 | Apply Now |
 Capital One Spark Miles for Business | 4.6/5 | $0 | 2x-5x | 50,000 Points | Apply Now |
Our pick for
Cash-back business credit card
Ink Business Unlimited® Credit Card
ANNUAL FEE
$0
REWARDS RATE
1.5%
INTRO OFFER
$900
CREDIT SCORE
690-850
The Ink Business Unlimited® Credit Card is a simple, straightforward cash back card with no annual fee and no caps or bonus categories to keep tabs on.
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Up to 5% cash back
Ink Business Cash® Credit Card
ANNUAL FEE
$0
REWARDS RATE
1%-5%
INTRO OFFER
$900
CREDIT SCORE
690-850
If your business spends heavily on office supplies, gas, restaurants or internet, cable and phone service, the
Ink Business Cash® Credit Card
is worth a look.Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Business charge card for heavy spenders
Capital One Spark Cash Plus
ANNUAL FEE
$150
REWARDS RATE
2%-5%
INTRO OFFER
$1,200
CREDIT SCORE
720-850
Big spenders can net a massive welcome bonus, plus an annual bonus if you hit spending requirements. Just make sure that you can pay your balance in full each month. The
Capital One Spark Cash Plus
is a charge card that doesn’t let you revolve a balance.Pros
- Earns cash back on primary and employee cards
- Rewards don’t expire
- No foreign transaction fees
Cons
- Balance must be paid in full every month
- Has annual fee
- High spending requirement to hit full welcome bonus, annual bonus offers
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Our pick for
Business card for points
Ink Business Preferred® Credit Card
ANNUAL FEE
$95
REWARDS RATE
1x-3x
INTRO OFFER
100,000 Points
CREDIT SCORE
690-850
The
Ink Business Preferred® Credit Card
offers one of the richest sign-up bonuses available on any credit card, anywhere, and it pays handsome rewards for travel expenses and a variety of business categories.Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Business card for new businesses
The Blue Business® Plus Credit Card from American Express
ANNUAL FEE
$0
REWARDS RATE
1x-2x
INTRO OFFER
15,000 Points
CREDIT SCORE
690-850
Start with a solid intro APR offer, then rack up rewards.
The Blue Business® Plus Credit Card from American Express
is a good match for small-business operators who value Membership Rewards points but don’t want to pay an annual fee.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit`
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Our pick for
Welcome offer + annual travel credit
Capital One Venture X Business
ANNUAL FEE
$395
REWARDS RATE
2x-10x
INTRO OFFER
150,000 Miles
CREDIT SCORE
720-850
This luxury travel card’s perks include airport lounge access and an annual travel credit that easily offset the annual fee.
Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
- Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Our pick for
Business charge card
Ink Business Premier℠ Credit Card
ANNUAL FEE
$195
REWARDS RATE
2%-5%
INTRO OFFER
$1,000
CREDIT SCORE
690-850
This card pays you more for big purchases:
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. Earn unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards.
(There’s a big welcome bonus, too.)Pros
- High rewards rate
- New cardholder bonus offer
- No foreign transaction fees
Cons
- Has annual fee
- Requires good/excellent credit
- Purchases that don’t qualify for Flex for Business must be paid in full every month
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Our pick for
Travel rewards (flat-rate)
Capital One Spark Miles for Business
ANNUAL FEE
$0
REWARDS RATE
2x-5x
INTRO OFFER
50,000 Points
CREDIT SCORE
690-850
The
Capital One Spark Miles for Business
is made for traveling entrepreneurs whose expenses don’t fall into common bonus categories.Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Thriving Business with Creditcardzy's Business Credit Cards
Initiating Creditcarzy’s Credit Cards: Establishing Business Evolution
Introduction
Creditcardzy prioritizes top-rated small business credit cards tailored to various professional needs, from freelancers to large corporations. Our selection emphasizes lucrative rewards and business-friendly benefits, including cashback on office supplies and travel expenses, points for everyday business purchases, and significant travel rewards. We offer generous welcome bonuses and introductory APR offers to attract new cardholders.
The best business credit cards offer rewards tailored to business spending habits, such as cashback on office supplies, travel expenses, or points for everyday purchases. Business credit cards often come with expense management tools, such as spending tracking features and customizable reporting capabilities. Choosing the best rated credit card company is essential for optimizing rewards, minimizing costs, streamlining expense management, accessing valuable benefits, and enhancing financial flexibility.
Benefits of Creditcardzy’s Top-Rated Small Business Credit Cards
Lucrative rewards tailored to various professional needs
- Cashback on office supplies and travel expenses: Get cashback on essential office supplies and travel expenses. Earn rewards while you stock up on supplies or book business trips. Maximize savings on everyday purchases and business trips with cashback incentives, helping you save money and optimize your budget effortlessly.
- Points for everyday business purchases: Points for everyday business purchases refer to rewards or incentives earned through regular spending on business-related expenses. These points can often be redeemed for various benefits such as discounts, cashback, travel rewards, or merchandise. They incentivize businesses to use designated credit cards or loyalty programs for their day-to-day operational spending.
- Significant travel rewards: Significant travel rewards offer substantial benefits, such as free flights, hotel stays, or upgrades, earned through loyalty programs or credit card points. These rewards enhance travel experiences by providing savings and perks, encouraging frequent travel and exploration.
Generous welcome bonuses and introductory APR offers
- Attracting new cardholders with enticing incentives: Attracting new cardholders involves offering enticing incentives such as cash bonuses, reward points, or introductory interest rates. These incentives aim to entice individuals to apply for and use credit cards, fostering customer acquisition and loyalty while providing immediate value and financial benefits.
Additional business-friendly benefits
- Expense management tools: Streamline your finances effortlessly with our cutting-edge expense management tools, exclusively available with our premium credit card. Take control of your spending, track transactions in real time, and set personalized budgets with ease. Simplify your financial journey and achieve your goals faster with our intuitive expense management features. Experience financial empowerment like never before.
- Higher credit limits: Enjoy the convenience of larger spending capacities tailored to your needs. With increased flexibility and opportunity, seize the moment and elevate your lifestyle effortlessly. Businesses with better credit scores may qualify for business credit cards low interest. Experience the benefits of higher credit limits today and embark on a journey of endless possibilities.
- Premium customer service: Premium customer service offers personalized assistance, expedited support, and exclusive benefits to cardholders, enhancing their overall experience and satisfaction with the financial institution.
Supporting Business Growth and Efficiency
- Optimizing cash flow with strategic credit card usage: Manage your cash flow with strategic credit card usage. Handle the expenses strategically, making the most of grace periods and rewards programs to postpone payments and gain perks. And also ensure you have enough cash on hand when you need it. It will involve leveraging credit cards to manage cash flow efficiently, taking advantage of grace periods and rewards programs to delay payments and earn benefits while maintaining liquidity.
- Earning rewards on routine purchases to reinvest in the business: Maximize every business expense with our exclusive credit card rewards program! Earn valuable rewards on your everyday purchases and watch your business thrive. From office supplies to travel expenses, every transaction earns points or cash back, giving you the power to reinvest and grow your business like never before. Unlock your potential today!
- Managing business expenses effectively with expense management tools: Take charge of your business finances effortlessly with our advanced expense management tools, available with our premium credit card. Track and categorize expenses in real time, set spending limits for employees, and generate detailed reports seamlessly. Stay in control, streamline your operations, and propel your business toward success with ease. Unlock efficiency today!
Choose Creditcardzy’s Credit Cards
Creditcardzy’s credit cards offer a plethora of benefits like the best credit card processing fees and best credit card processing rates tailored to professional needs. These cards provide lucrative rewards such as cashback on office supplies and travel expenses, points for everyday purchases, and significant travel rewards. Additionally, generous welcome bonuses and introductory APR offers to attract new cardholders. Business-friendly benefits include expense management tools, higher credit limits, and premium customer service. By optimizing cash flow, earning rewards on routine purchases, and effectively managing expenses, businesses can support growth and efficiency.
Apply for a Creditcardzy business credit card to unlock financial success and enjoy these exclusive benefits.
Start your journey with Creditcardzy’s Credit Cards, now!