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The right business credit card separates business expenses from personal spending, earns rewards on purchases you are already making, and can provide cash flow flexibility. Here are the best business credit cards for 2026.
Best Business Credit Cards at a Glance
| Card | Best For | Welcome Bonus | Annual Fee |
|---|---|---|---|
| Ink Business Cash | Cash back — no fee | $750 after $6,000 spend | $0 |
| Ink Business Preferred | Travel rewards | 90,000 points after $8,000 spend | $95 |
| Amex Business Platinum | Premium travel + perks | 120,000 points after $15,000 spend | $695 |
| Amex Blue Business Cash | Flat-rate cash back | $250 after $3,000 spend | $0 |
| Capital One Spark Cash Plus | High spend / flat 2% cash back | $1,200 after $30,000 spend | $150 |
Best Business Credit Card for Cash Back (No Annual Fee): Ink Business Cash
The Chase Ink Business Cash earns 5% cash back at office supply stores and on internet, cable, and phone services (up to $25,000/year), 2% at gas stations and restaurants, and 1% on everything else. The $750 welcome bonus is one of the highest among no-annual-fee business cards. If your business spends heavily on telecom and office supplies, this card is hard to beat.
Best Business Credit Card for Travel Rewards: Ink Business Preferred
The Ink Business Preferred earns 3x points on the first $150,000 spent on travel, shipping, advertising, and telecom. Points transfer to major airlines and hotels at 1:1, including United, Hyatt, and Southwest. The 90,000-point welcome bonus is worth about $1,125 in travel when redeemed through Chase Ultimate Rewards. At $95 per year, it is one of the best-value travel cards in any category.
Best Premium Business Card: Amex Business Platinum
The Amex Business Platinum is for high-spending businesses. At $695 per year, it includes up to $400 in annual Dell credits, up to $360 in wireless credits, a 35% airline bonus when using Pay with Points, and access to 1,400+ airport lounges through Priority Pass and Amex Centurion. The card makes financial sense if your business spends over $50,000 per year and you travel frequently.
Best Business Card for Simple Flat-Rate Cash Back: Capital One Spark Cash Plus
The Spark Cash Plus earns unlimited 2% cash back on every purchase with no cap. There is no need to track categories. The $150 annual fee is waived if you spend $150,000 or more in the year. For businesses with high, varied spending across categories, flat-rate 2% is often more rewarding than category cards.
What to Look for in a Business Credit Card
- Reward structure: Does the card reward where you actually spend? Office supplies, travel, advertising, and utilities are common business categories.
- Welcome bonus: The sign-up bonus is often worth more than a year of rewards — make sure the spending requirement is achievable within 3 months.
- Employee cards: Most business cards offer free employee cards. Look for the ability to set individual spending limits.
- Annual fee: A card with a fee is worth it only if the rewards and benefits exceed the cost. Run the numbers against your actual spend before applying.
Bottom Line
The Ink Business Cash is the best starting point for small businesses that want cash back with no annual fee. The Ink Business Preferred is the best travel card at a low fee. The Amex Business Platinum is for heavy spenders who travel frequently. Compare your actual spending patterns against each card’s reward structure before applying.
Frequently Asked Questions
Do business credit cards affect personal credit?
Applying for a business credit card triggers a hard inquiry on your personal credit. Most issuers also require a personal guarantee, meaning late payments can affect your personal score. Some cards like Brex and Ramp do not require a personal guarantee.
What credit score do I need for a business credit card?
Most small business credit cards require a personal credit score of at least 670. Premium cards like the Amex Business Platinum typically require 720+.
Can a sole proprietor get a business credit card?
Yes. You can apply as a sole proprietor using your Social Security number instead of an EIN. Your income as a self-employed person qualifies as business revenue.