Best business cards for startups of February 2023

By
Christina Ly
Editor
Nick Ewen
Updated
Feb 01, 2023
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Having a business credit card is a good starting point for a new business. It can help your start-up reap rewards on new business expenses and simplify the finances of your new enterprise. Since business credit cards utilize personal credit history to determine creditworthiness, you can get a business credit card with minimal credit history. 

In fact, you may be eligible to apply for a card as a sole proprietor using your Social Security number, even if you don’t have a formal business or significant revenue history.

TPG Editor's Rating tooltip icon
4/5
1 - 5% cash-back
details
  • 5% 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
  • 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
$900
details
Intro Offer tooltip icon
$900
$0

Why We Chose It

The Ink Business Cash Credit Card is a great pick if you are looking for a no-annual-fee business card with great cash-back rates. The card provides 5% back on office supplies and telecommunication purchases (up to $25,000 in combined purchases each year), 2% cash back at gas stations and restaurants (up to $25,000 in combined purchases each year) and then 1% back on all other purchases. In addition, it offers an introductory 12-month 0% APR for purchases. If you apply today, you can take home a best-ever bonus of $900 cash back after you spend $6,000 on purchases in the first three months after account opening.

The Ink Business Cash’s cash-back can be transferred to Chase Ultimate Reward points for cardmembers with eligible premium Chase Ultimate Rewards cards. This potentially doubles the value of its sign-up offer, making the bonus one of the best business card offers out there. Read more about the Ink Business Cash Credit Card here. 

Pros

  • Lucrative sign-up bonus.
  • No annual fee.
  • Introductory 0% APR for purchases.
  • Bonus earning categories.
  • Compatible with Chase Ultimate Rewards.

Cons

  • Subject to Chase’s 5/24 rule.
  • Spending cap on bonus earning.
  • Foreign transaction fees.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • Lucrative sign-up bonus.
  • No annual fee.
  • Introductory 0% APR for purchases.
  • Bonus earning categories.
  • Compatible with Chase Ultimate Rewards.

Cons

  • Subject to Chase’s 5/24 rule.
  • Spending cap on bonus earning.
  • Foreign transaction fees.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • Lucrative sign-up bonus.
  • No annual fee.
  • Introductory 0% APR for purchases.
  • Bonus earning categories.
  • Compatible with Chase Ultimate Rewards.

Cons

  • Subject to Chase’s 5/24 rule.
  • Spending cap on bonus earning.
  • Foreign transaction fees.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Apply for American Express® Business Gold Card
Apply now for American Express® Business Gold Card at American Express's secure site Terms & restrictions apply. See rates & fees
award ribbon
award ribbon
Terms & restrictions apply. See rates & fees
Best for American Express Membership Rewards
TPG Editor's Rating tooltip icon
3.5/5
1 - 4X points
details
  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
70,000 points
details
Intro Offer tooltip icon
70,000 points
$295

Why We Chose It

The American Express Business Gold Card is a great choice for companies looking to earn travel rewards, specifically American Express Membership Rewards points. The card earns 4 Membership Rewards points per dollar spent on your top two spending categories each billing cycle (up to $150,000 in combined purchases every calendar year) and 1 point per dollar on all other purchases. American Express points are transferable to 17 airlines and three hotel transfer partners, but if you use your points for a flight with Amex Travel, you can get 25% of your points back thanks to the Pay With Points feature. The Amex Business Gold card is not for every start up, as it has a hefty $295 annual fee, but it can be a good match if you’re looking to gain flexible reward points. Read more about the American Express Business Gold Card here

Pros

  • Earns American Express Membership Rewards points.
  • Flexible redemption options.
  • Bonus for Amex Travel redemptions.
  • High welcome offer.
  • Bonus earning rates.

Cons

  • High annual fee.
  • No statement credits.
  • Less appropriate for lower-spending businesses.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • Earns American Express Membership Rewards points.
  • Flexible redemption options.
  • Bonus for Amex Travel redemptions.
  • High welcome offer.
  • Bonus earning rates.

Cons

  • High annual fee.
  • No statement credits.
  • Less appropriate for lower-spending businesses.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • Earns American Express Membership Rewards points.
  • Flexible redemption options.
  • Bonus for Amex Travel redemptions.
  • High welcome offer.
  • Bonus earning rates.

Cons

  • High annual fee.
  • No statement credits.
  • Less appropriate for lower-spending businesses.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees
BEST OFFER EVER
Best for freelancers
TPG Editor's Rating tooltip icon
4/5
1.5% cash-back
details
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$900
details
Intro Offer tooltip icon
$900
$0

Why We Chose It

The Ink Business Unlimited is a great business card for freelancers, as it offers no annual fee and unlimited 1.5% cash back. New cardmembers can earn a generous $900 cash back after spending $6,000 in the first three months from account opening. Premium Chase card holders can also transfer the Ink Business card’s cash-back rewards to Chase Ultimate Rewards and potentially double its redemption value. 

In addition to having no annual fee, the Ink Business Card features a relatively low spending rate to earn the sign-up bonus and an introductory 0%APR for 12 months on new purchases, which can be helpful for freelancers who are still building out their businesses. But even for established operations who may already have other Ink Business cards, the Ink Business Unlimited can be a great card to fill in reward gaps not covered by other products. Read more about the Ink Business Unlimited Credit Card here

Pros

  • Unlimited cash-back earning.
  • Compatible with Chase Ultimate Rewards.
  • Introductory 0% APR on purchases.
  • No annual fee.

Cons

  • Limited travel and purchase protections.
  • Foreign transaction fees.
  • No bonus categories.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • Unlimited cash-back earning.
  • Compatible with Chase Ultimate Rewards.
  • Introductory 0% APR on purchases.
  • No annual fee.

Cons

  • Limited travel and purchase protections.
  • Foreign transaction fees.
  • No bonus categories.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • Unlimited cash-back earning.
  • Compatible with Chase Ultimate Rewards.
  • Introductory 0% APR on purchases.
  • No annual fee.

Cons

  • Limited travel and purchase protections.
  • Foreign transaction fees.
  • No bonus categories.
  • Best Offer Ever: 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
4/5
1 - 5X points
details
  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X 1X points for each dollar you spend on eligible purchases.
120,000 points
details
Intro Offer tooltip icon
120,000 points
$695

Why We Chose It

The Business Platinum Card from American Express is a great card if your startup requires extensive travel — and even more so if you are looking to add some luxury to your business trips. While the card does come with a high annual fee, it also offers a ton of valuable benefits and perks. The Business Platinum Card offers generous annual travel credits, unparalleled lounge access (including Amex Centurion Lounges), elite hotel status and more. Read more about the Business Platinum Card from American Express here

Pros

  • Global Entry/TSA Precheck application credit.
  • Numerous statement credits.
  • Elite hotel status.
  • Travel and shopping protections.

Cons

  • High annual fee.
  • High spend needed for welcome offer.
  • Minimal non-travel bonuses.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
  • $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.

Pros

  • Global Entry/TSA Precheck application credit.
  • Numerous statement credits.
  • Elite hotel status.
  • Travel and shopping protections.

Cons

  • High annual fee.
  • High spend needed for welcome offer.
  • Minimal non-travel bonuses.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
  • $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.

Pros

  • Global Entry/TSA Precheck application credit.
  • Numerous statement credits.
  • Elite hotel status.
  • Travel and shopping protections.

Cons

  • High annual fee.
  • High spend needed for welcome offer.
  • Minimal non-travel bonuses.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
  • $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Best for Chase Ultimate Rewards
TPG Editor's Rating tooltip icon
4.5/5
1 - 3X points
details
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
100,000 points
details
Intro Offer tooltip icon
100,000 points
$95

Why We Chose It

The Ink Business Preferred Credit Card is a great choice for companies looking to earn reward points, specifically Chase Ultimate Rewards. The Ink Business Preferred offers 3 Ultimate Rewards points per dollar spent on the first $150,000 spent on travel, shipping, advertising and telecommunication providers, and all other purchases earn 1 Ultimate Rewards point per dollar. All points are transferable to Chase’s airline and hotel transfer partners. The Ink Business Preferred also offers travel protections, shopping protections, primary rental car coverage and more for — all for just a $95 annual fee. Read more about the Ink Business Preferred Credit Card here.  

Pros

  • Cellphone and travel protections.
  • Multiple bonus categories.
  • No foreign transaction fees.

Cons

  • Annual fee.
  • High spend required for sign-up bonus.
  • Earn 100k bonus points after you spend $15,000 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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.

Pros

  • Cellphone and travel protections.
  • Multiple bonus categories.
  • No foreign transaction fees.

Cons

  • Annual fee.
  • High spend required for sign-up bonus.
  • Earn 100k bonus points after you spend $15,000 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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.

Pros

  • Cellphone and travel protections.
  • Multiple bonus categories.
  • No foreign transaction fees.

Cons

  • Annual fee.
  • High spend required for sign-up bonus.
  • Earn 100k bonus points after you spend $15,000 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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.
Terms & restrictions apply. See rates & fees
TPG Editor's Rating tooltip icon
4/5
1 - 2X points
details
  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
15,000 points
details
Intro Offer tooltip icon
15,000 points
No annual fee

Why We Chose It

The Blue Business Plus Credit Card is a great card for startups looking for reward earning without a high annual fee. The card earns 2 American Express Membership Rewards points per dollar spent on all purchases, up to $50,000 in annual spending. In addition, the card offers a welcome bonus of 15,000 Amex points, which can be transferred to 20 different partners. Based on creditworthiness, new card members can also qualify for an introductory APR of 0% for up to 12 months. But the Blue Business Plus does have a foreign transaction fees, so if your business involves international travel, there may be better options for you. Read more about the Blue Business Preferred Card here

Pros

  • Transfer partners.
  • No annual fee.
  • Flat-rate earning on all purchases.
  • Welcome offer.
  • Introductory APR.

Cons

  • Foreign transaction fees.
  • Cap on bonus earning.
  • 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.
  • 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply

Pros

  • Transfer partners.
  • No annual fee.
  • Flat-rate earning on all purchases.
  • Welcome offer.
  • Introductory APR.

Cons

  • Foreign transaction fees.
  • Cap on bonus earning.
  • 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.
  • 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply

Pros

  • Transfer partners.
  • No annual fee.
  • Flat-rate earning on all purchases.
  • Welcome offer.
  • Introductory APR.

Cons

  • Foreign transaction fees.
  • Cap on bonus earning.
  • 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.
  • 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Ink Business Unlimited® Credit Card Best for freelancers $900
  • Earn unlimited 1.5% cash back on every purchase made for your business
$0
American Express® Business Gold Card Best for American Express Membership Rewards 70,000 points
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X is earned for other purchases. **
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
$295
The Blue Business® Plus Credit Card from American Express Best for no-annual-fee reward earning 15,000 points
  • 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
No annual fee
The Business Platinum Card® from American Express Best for travel perks 120,000 points
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X points for each dollar you spend on eligible purchases.
$695
Ink Business Cash® Credit Card Best for cash-back $900
  • 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 card purchases with no limit to the amount you can earn
$0
Ink Business Preferred® Credit Card Best for Chase Ultimate Rewards 100,000 points
  • 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 – with no limit to the amount you can earn
$95

Do I qualify for a business credit card if my business is a start-up? 

Startups will have a limited credit history, but that doesn’t mean you can’t get a business credit card. Most issuers will allow individuals to apply for business cards using a Social Security number, but that requires a personal guarantee ‚— an agreement where the applicant agrees to personally cover any debt on the business card. Even in cases of business failure, the personal guarantor is responsible for the debt.

This means that your personal credit history greatly affects your eligibility for a business credit card. If your personal credit is good to excellent, the cards on this list can be a great fit. 

How can I establish business credit?  

Small business credit cards are often given to companies with minimal credit history based on a personal credit score. However, established businesses should seek to create a dedicated business score to access better loans and lines of credit. For more information on how to build business credit, you can check out our full guide here