Updated 5/17/17

Our picks of the best business credit cards are intended to meet business owners on their own terms. Entrepreneurs are already juggling a laundry list of responsibilities and flexible credit cards reign supreme, in our opinion. That's why the credit cards on our shortlist meet a handful of important criteria, including big rewards earned for common business purchases, large sign-up bonuses, valuable perks, and justifiable fees. Without further ado, here are our picks for the best business credit cards.

  • Best business credit card sign-up bonuses -  Chase Ink Business PreferredSM Credit Card and  Capital One® Spark® Cash for Business 
  • Best no-annual-fee business credit card -  Chase Ink Business CashSM Credit Card
  • Best entry-level business credit card -  Capital One® Spark® Classic for Business 

Ink Business Preferred Credit Card
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Ink Business Preferred Credit Card

Chase's Ink Business PreferredSM Credit Card will turn heads with its sign-up bonus of 80,000 bonus points earned after spending $5,000 on new purchases in the first three months, which is worth up to $1,000 for travel booked through Chase Ultimate Rewards® or $800 cash back. But focusing on the bonus is short-sighted. Cardholders also earn 3x points per dollar on the first $150,000 in combined spending on business essentials (think travel, shipping purchases, Internet, cable and phone services, and on social media and search engine advertising) and all other spending earns 1 point per dollar. These are just a few reasons why the card secured a spot on our list. Read our full review of Ink Business PreferredSM Credit Card to learn more.

Ink Business Cash Credit Card
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Ink Business Cash Credit Card

Ink Business CashSM Credit Card may be best for cardholders wanting the simplicity of cash back versus points or business with big aspirations but smaller credit budgets today. Cardholders earn 5% cash back on up to $25,000 of spending in combined purchases at office supply stores, and on cellular phones, landline, internet, and cable TV services. Gas and restaurant purchases earn 2% cash back on up to $25,000 of spending, and every other purchase earns 1% cash back. Qualifying new cardholders also earn a lucrative $300 sign-up bonus after spending at least $3,000 on purchases in the first three months. What's surprising is these perks don't come at the expense of an annual fee, which is surprisingly $0. We don't know of another no-annual-fee card that offers up such a large bonus. Read our full review of  Ink Business CashSM Credit Card to learn more.

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business sits squarely in between the two Chase credit cards on this list when it comes to rewards and fees. Qualifying new cardholders earn a sign-up bonus of $500 when spending at least $4,500 on new purchases within the first three months. All purchases earn flat 2% cash back, making it an ideal card for business owners preferring to carry one card for all needs, rather than a few credit cards to stretch rewards across bonus categories. Read our full review of Capital One® Spark® Cash for Business to learn more.

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

The Capital One® Spark® Classic for Business card landed a spot on this list since the other credit cards require at least good credit to qualify. Cardholders with limited or average credit have a good chance of qualifying for Capital One® Spark® Classic for Business. What makes the card stand out is all purchases earn unlimited 1% cash back plus it doesn't charge an annual fee. For those wondering what's labelled as average credit, Capital One considers average credit to be for people who've declared bankruptcy in the past three years or those who have limited credit, spanning less than three years. Read our full review of Capital One® Spark® Classic for Business to learn more.


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