Best Business Credit Cards of 2023

The Best for Travel Rewards

This American Express Business Platinum credit card is our top choice for frequent travelers who like to add some luxury to their business travel. The Business Platinum Card includes perks such as VIP airport lounge access in certain participating airlines and general annual travel credits.

Intro offer: Earn 120,000 rewards points upon spending $15,000 on eligible purchases within the first three months.

Annual fee: $695 *See Rates and Fees 

APR: 0% on purchases for the first 12 months, 19.24% – 27.24% variable APR after intro period.

Rewards: 5x points in membership rewards on flights and prepaid hotel purchases through amextravel.com, 1.5x points on business purchases and those purchases of $5000 or more everywhere else up to $2 million per calendar year, up to $400 statement credit on Dell technology purchases, up to $360 credit on Indeed purchases.

Qualifying credit scores: Good to Excellent, 680-850

Best for Flexible Rewards Earning

The American Express Business Gold credit card is our top choice for flexible spending and a high-earnable rewards program. This business credit card rewards 4x points earned on business expenses in your top two spending categories.

Intro offer: 70,000 rewards points when you spend $10,000 on eligible purchases within the first three months.

Annual fee: $295 *See Rates and Fees

APR: 19.24% to 27.24% variable 

Rewards: Earn 4x membership rewards on the top two categories that your business makes purchases in. Earn 1x membership points on all other purchases. 

Qualifying credit scores: Good to excellent, 670-850

Best for No Annual Fees

This American Express Blue Business Plus credit card is our top choice for a $0 annual fee card. *See Rates and Fees. This American Express card has the most perks and rewards with a $0 annual fee, which is the best of both worlds. This is a small business credit card meant for everyday business spending that was created specifically for sole proprietorships and start-up businesses with little to no working capital or large revenue.

Intro offer: Earn 15,000 membership rewards points when you spend $3,000 on eligible purchases within the first three months.

Annual fee: $0 annual fee

APR: 0% interest rate on purchases within the first 12 months, 18.24% to 26.24% variable APR after that.

Rewards: 2x rewards points for members with unlimited category spending. 2x rewards points for the first $50,000 spent within the first year, and then 1x rewards points after that.

Qualifying credit scores: Good to excellent, 670-850

Best for Earning Bonus Points

This Chase Ink Business Preferred credit card is our top choice for earning the highest initial bonus points from Chase. This card also offers a good cashback rate on eligible business purchases, travel rewards and protections, and shopping protections for yourself and your employees.

This card is perfect for providing employee credit cards at no extra charge and combining points spent across all cardholders in your business, making it the best for earning bonus points quickly.

Intro offer: Earn 100,000 rewards points after spending $15,000 on eligible purchases within the first three months. 

Annual fee: $95

APR: 20.74% to 25.74% variable 

Rewards: Earn 3 points per dollar spent on the first $150,000 spent on travel and select business categories each account anniversary year, and earn 1 point per dollar spent on all other purchases.

Qualifying credit scores: Good to excellent, 670-850

Best for Freelancers

This Chase Ink Business Unlimited credit card is our top choice for freelancers who cannot spend large amounts of money within the first three months of opening. This credit card offers a generous $750 cash back once you spend $6000 on eligible purchases within the first three months.

The Chase Ultimate rewards are most useful when one has other lines of credit with Chase, including the Chase Sapphire Reserve®, Chase Sapphire Preferred® Card, and the Ink Business Preferred.

Intro offer: Earn $750 bonus cash back when you spend $6000 within the first three months. 

Annual fee: No annual fee

APR: 0% on purchases in the first 12 months, then 17.99% – 23.99% variable APR 

Rewards: Unlimited 1.5% cash back on all business purchases.

Qualifying credit scores: Good to excellent, 670-850

Best For Office Supplies

This Chase Ink Business Cash credit card is our top choice for office supply purchases with no annual fee for small-business owners. Another perk to this business credit card is that there are no additional fees for providing business credit cards to your employees. When your employees make purchases, your business will earn cash back.

Intro offer: Earn $750 bonus cash back after spending $6,000 on purchases within the first three months. 

Annual fee: No annual fee

APR: 0% on purchases for the first 12 months and 17.99% to 23.99% variable APR after that 

Rewards: Earn 5% cash back on the first $25,000 spent at office supply stores, and on internet, cable, and phone services during each anniversary year. 

Qualifying credit scores: Good to Excellent, 670 to 850

Best for Customizable Business Cash Back

This Bank of America Business Advantage Customized Cash Rewards credit card is a great option for your small business or freelance individuals who don’t want to spend an annual fee and want to customize how to use their rewards. This card allows you to pick one purchase category to receive 3% cash back rewards.

Intro offer: $300 statement credit after you spend $3,000 in the first ninety days.

Annual fee: No annual fee

APR: 0% on purchases for the first nine billing cycles and then 16.49% – 26.49% variable

Rewards: Earn 3% cash back when you spend $50,000 within the first year on one selected purchase category, including gas stations, office supply stores, travel, TV/cable/wireless providers, computer services, or business consulting services, then 1%.

Earn 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter..

Earn 1% cash back on all other purchases. 

Qualifying credit scores: Excellent 740-850

Best for Quick Approval

This Capital On Tap Business credit card is the best option for small businesses that need fast and easy approval for a business credit card with possible low-interest rates.

The downside of this card is that there are little to no rewards available. It is meant for small business owners who need to start building business credit with no annual fee, and it can help a new business get excellent credit in no time.

Intro offer: $200 in cashback rewards when you spend $15,000 within the first three months.

Annual fee: No annual fee

APR: 9.99% to 34.99% variable

Rewards: You get 1.5% unlimited cash back on eligible purchases.

Qualifying credit scores: Good to excellent, 670-850

Best for Everyday Expenses

This Capital One Spark 2X Miles Business credit card is our top choice for earning many travel miles within unlimited categories of purchases. You can redeem these for travel or business rewards.

Intro offer: Earn 50,000 bonus miles upon spending $4,500 within the first three months of account opening.

Annual fee: $0 intro for the first year, then $95/year

APR: 25.74% variable

Rewards: You get 2x miles rewards on every purchase and 5x miles rewards on travel purchases such as flights, hotels, and rental cars booked through Capital One Travel. 

Qualifying credit scores: Good to excellent, 670-850

Best for United Airline Traveling Perks

This United Business credit card is the best business credit card for business owners who prefer to travel with United airlines. This card has massive travel rewards with the advantage of no initial annual fee for the first year.

Another benefit of this card is providing your employees with business credit cards at no additional cost, and your business can earn more mileage points.

Intro offer: Earn 75,000 bonus miles when you spend $5,000 on qualifying purchases within the first three months.

Annual fee: It is $0 for the first year and then $99 annually 

APR: 21.24% – 28.24% variable

Rewards: 5,000 annual bonus points when you hold a United Business credit card and a personal United credit card. 2x rewards miles on United purchases, gas stations, dining and food delivery services, office supply stores, and local transit. 1x rewards miles for all other purchases. Qualifying credit scores: Good to excellent, 670- 850.