Supercharge Your Business Savings: The Best Business Credit Cards This Week, Jan. 12, 2026
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Looking to level up your work-related savings this year? If so, a top business credit card ought to do the trick.
Whether you prefer versatile cash back or travel rewards for your next business trip, there's a credit card out there that can help you save. You can also decide between a luxury card, a no-annual-fee card, or something in between -- whatever will help you save the most at the end of the day.
Here are all our favorite business credit cards available this week.
Top business cards this week
2026 Award Winner
On American Express's Secure Website.
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= PoorOn American Express's Secure Website.
Good/Excellent
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
17.74% - 28.49% Variable
Rewards • 5X points on flights and prepaid hotels booked on AmexTravel.com • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points on other eligible purchases
1X - 5X points
Annual Fee
$895
Welcome Offer Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
200,000 Membership Rewards® points
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If business travel is a priority, this card brings premium rewards and perks. Earn 5X points on flights and prepaid hotels booked on AmexTravel.com, plus 2X on eligible purchases of $5,000 or more. With access to 1,550+ lounges, annual travel credits, and TSA PreCheck/Global Entry fee credit, frequent flyers can easily offset the $895 fee and enjoy more comfort on the road. (Terms apply.)
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- Versatile rewards points
- Huge welcome offer
- Airport lounge access
- Complimentary elite statuses
- Tons of statement credits
- High annual fee
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- Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- $895 Annual Fee.
- Terms Apply.
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= Best
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= PoorGood/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.74% - 25.74% Variable
Rewards Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 5x total points on Lyft rides through 9/30/27.
Earn 3 points per $1 in select business categories
Annual Fee
$95
Welcome Offer Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 100,000 bonus points
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This card offers excellent earning potential for businesses looking to earn valuable rewards on everyday expenses. You’ll earn 3X points on travel, shipping, and advertising purchases (up to $150,000 per year), making it a great fit for businesses that invest in growth. With an impressive 100,000-point welcome bonus and access to the Chase Ultimate Rewards® ecosystem, this card helps you maximize rewards. Plus, we like that points are worth more when redeemed for travel through Chase Travel℠, further boosting the card’s value.
Read Full Review -
- Huge sign-up bonus
- Advertising rewards
- Shipping rewards
- Cell phone protection
- Flexible travel points
- Card perks
- Annual fee
- No intro APR offer
- Spending minimum for sign-up bonus
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- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase Travel(SM). Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
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= Best
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= PoorGood/Excellent (670-850)
Intro APR 0% Intro APR on Purchases
Purchases: 0% Intro APR on Purchases, 12 months
Balance Transfers: N/A
Regular APR
16.99% - 24.99% Variable
Rewards Earn unlimited 1.5% cash back on every purchase made for your business. Earn 5% total cash back on Lyft rides through 9/30/27.
Earn unlimited 1.5% cash back on every purchase
Annual Fee
$0
Welcome Offer Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Earn $750 bonus cash back
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This is one of the easiest ways to turn business spending into real cash back. Earn unlimited 1.5% on every purchase, plus a limited-time $750 welcome bonus to boost your rewards right away. With no annual fee, 0% intro APR for 12 months on purchases, and free employee cards, it’s a low-maintenance card that delivers big value from day one.
Read Full Review -
- Big cash back sign-up bonus
- Competitive cash back rate
- Great intro APR
- No annual fee
- Free employee cards
- No bonus categories
- Foreign transaction fee
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- Earn $750 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
On American Express's Secure Website.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorOn American Express's Secure Website.
Good/Excellent
Intro APR
Purchases: 0% on purchases, 12 months from date of account opening
Balance Transfers: N/A
Regular APR
16.74% - 26.74% Variable
Rewards Earn 2X 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. Terms and limitations apply.
1x - 2x points
Annual Fee
No annual fee
Welcome Offer 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.
15,000 Membership Rewards® points
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This card is a strong fit for businesses with modest yearly expenses. Earn 2X Membership Rewards® points on your first $50,000 in purchases each year — one of the best flat-rate rewards you’ll find at that level of spend. After that, you’ll still earn 1X points, with no annual fee and flexible redemptions for cash, travel, or transfers to airline and hotel partners.
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- Purchase rewards
- Welcome bonus
- Intro 0% APR offer
- No annual fee
- Foreign transaction fee
- Personal guarantee
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- 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, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
On Bank of America's Secure Website.
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= PoorOn Bank of America's Secure Website.
Excellent (740-850)
Intro APR 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
Purchases: 0%, 7 billing cycles
Balance Transfers: N/A
Regular APR
16.74% - 26.74% (Variable)
Rewards Earn unlimited 1.5% cash back on all purchases
1.5% cash back
Annual Fee
$0.00
Welcome Offer $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
$300 cash back
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For businesses that want rewards on every dollar, this card keeps it simple. Earn unlimited 1.5% cash back, a $300 welcome bonus, and 0% Intro APR for 7 billing cycles on purchases (then 16.74% - 26.74% (Variable)), with no annual fee. Qualify for Preferred Rewards for Business and you can boost earnings up to 2.62% cash back.
Read Full Review -
- Unlimited cash back with no expiration
- No annual fee
- Intro APR
- Foreign transaction fees
- Mediocre incentives
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- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Choosing a business card that matches your day-to-day
There isn't one business credit card that works for everyone. The best choice is the one that fits how you actually spend money for your business.
If you like things simple, a flat-rate cash back card can be hard to beat. You earn the same rewards everywhere, with nothing to track.
If travel is part of the job -- flights, hotels, conferences, rental cars -- a travel card may stretch your dollars further. Transferable points, travel protections, and lounge access can add up quickly if you use them.
It's also smart to look at cards with a 0% intro APR. That flexibility can make it easier to pay for equipment, software, or other big expenses over time without interest.
And if you're watching costs closely, there's no shortage of no-annual-fee business cards that still offer solid rewards and useful extras.
What to know before you apply
You don't need a large company or a formal setup to qualify for a business credit card. Freelancers, side hustlers, consultants, and online sellers often qualify.
A few quick things to know:
- You can apply as a sole proprietor using your own name and Social Security number.
- Be honest about income. Side income and expected earnings usually count.
- Most business cards don't show balances on your personal credit report unless you miss payments.
Just remember: business card or not, staying on top of payments is key.
Business cards vs. personal cards
Business and personal credit cards serve different purposes.
Business cards are built for work expenses like software, advertising, travel, and office purchases. They often offer higher limits, spending tools, and employee cards.
Personal cards are better for everyday spending like groceries, gas, and personal travel.
If you carry both, keeping them with the same bank can simplify things. Some issuers even let you combine rewards across accounts, helping your cash back or points grow faster.
Compare all our top picks for business credit cards in 2026.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
|
The Business Platinum Card® from American Express
Apply Now for The Business Platinum Card® from American Express
On American Express's Secure Website. |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
200,000 Membership Rewards® points Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership. | 1X - 5X points • 5X points on flights and prepaid hotels booked on AmexTravel.com • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. • 1X points on other eligible purchases |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 17.74% - 28.49% Variable |
4.70/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Ink Business Preferred® Credit Card
|
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Earn 100,000 bonus points Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | Earn 3 points per $1 in select business categories Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 5x total points on Lyft rides through 9/30/27. |
Intro: N/A Purchases: N/A Balance Transfers: N/A Regular: 19.74% - 25.74% Variable |
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Ink Business Unlimited® Credit Card
|
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
Earn $750 bonus cash back Earn $750 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 Earn unlimited 1.5% cash back on every purchase made for your business. Earn 5% total cash back on Lyft rides through 9/30/27. |
Intro: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 12 months Balance Transfers: N/A Regular: 16.99% - 24.99% Variable |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
The Blue Business® Plus Credit Card from American Express
Apply Now for The Blue Business® Plus Credit Card from American Express
On American Express's Secure Website. |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
15,000 Membership Rewards® points 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. | 1x - 2x points Earn 2X 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. Terms and limitations apply. |
Intro: Purchases: 0% on purchases, 12 months from date of account opening Balance Transfers: N/A Regular: 16.74% - 26.74% Variable |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Apply Now for Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
On Bank of America's Secure Website. |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
$300 cash back $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. | 1.5% cash back Earn unlimited 1.5% cash back on all purchases |
Intro: 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply. Purchases: 0%, 7 billing cycles Balance Transfers: N/A Regular: 16.74% - 26.74% (Variable) |
4.60/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
FAQs
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You'll likely get a hard inquiry, but most business cards don't report monthly activity to your personal credit unless there's a credit default. So make sure you pay all your bills on time!
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In most cases, no. Business credit card rewards are considered rebates, not income. But double-check with a tax professional if you're unsure.
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Yes. Many cardholders start with freelance, consulting, or side hustle income. Just be honest about your income estimates.
This is exactly how I started by the way. I didn't have an official business, so I used my personal name as my business name and SSN in place of an EIN. This is common for sole proprietors and freelancers.
Our Research Expert
Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.
For rates and fees for The Blue Business® Plus Credit Card from American Express, click here
For rates and fees for The Business Platinum Card® from American Express, click here