If your business spends a lot at office supply stores, the Ink Business Cash^® Credit Card provides an extremely generous cash back rate. 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.

You can redeem rewards for cash back, travel, gift cards and more.

In addition to the rewards rate, there is a sign-up bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Plus, if you need time to pay off a large purchase, the Ink Business Cash^® Credit Card offers a 0% Intro APR on Purchases for 12 months, after which an APR of 17.74% - 23.74% variable will apply.

The annual fee for the Ink Business Cash^® Credit Card is $0.

The Ink Business Cash^® Credit Card is our top overall pick for best business credit card. It charges a $0 annual fee, earns rewards on common business spending categories and provides an intro APR and sign-up bonus that can help with financing a big-ticket item. Plus, it offers solid benefits.

• Earn $750 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
• 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.
• 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
• Member FDIC

The Ink Business Preferred^® Credit Card comes with a very lucrative sign-up bonus — especially when redeemed for travel through the Chase Ultimate Rewards® portal. Cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

Points can be redeemed for cash, gift cards, travel or merchandise. When redeeming them for airfare, hotel stays, car rentals, activities or cruises through the Chase Ultimate Rewards® portal, you’ll get 25% more value per point. You can also transfer points at a 1:1 value to a variety of airline and hotel partners.

The ongoing rewards program is generous as well: Cardholders 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.

As befits one of the top business travel cards on the market, the foreign transaction fee is $0.

There is an annual fee of $95. Also, be aware that the card doesn’t come with an intro APR, so you start out immediately at the regular 20.49% - 25.49% variable APR.

If you’re a small business owner looking to earn a huge influx of rewards on company expenses that can be redeemed for travel and more, you should look at the Ink Business Preferred^® Credit Card and its valuable sign-up bonus. The card does charge a $95 annual fee, but if you earn the sign-up bonus, you more than offset the amount of the annual fee in year one. The card also offers strong ongoing value thanks to the ability to transfer points 1:1 to travel partners, as well as numerous benefits.

• 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
• 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.
• 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.
• Member FDIC

Earn a flat rate of 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel with this card. Plus, there’s an intro APR of 0% on purchases for 12 months. After, a 20.24% - 28.24% (variable) APR applies.

The card’s annual fee is $0. And if you’re traveling abroad, don’t worry about a foreign transaction fee since the Capital One Spark Cash Select - 0% Intro APR for 12 Months charges none.

Whereas many business cards require good to excellent credit, the Capital One Spark Cash Select - 0% Intro APR for 12 Months is accessible if you have good credit. Plus, it earns flat cash back rewards at a competitive rate on every purchase and charges a $0 annual fee.

The card doesn’t offer a sign-up bonus. But you can finance a big-ticket purchase, thanks to its intro APR period.

• 0% Intro APR for the first 12 months; 20.24% - 28.24% variable APR after that
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
• No annual fee
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 fraud liability if your card is lost or stolen

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard^® comes with a generous sign-up bonus and a lengthy 0% intro APR period on purchases.

Cardholders can earn the following sign-up bonus: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. And there’s a 0% Intro APR for 15 billing cycles on purchases, after which a 18.49% - 27.49% (variable) APR applies.

If you need to transfer a balance from another card, there’s also an APR of 0% Intro on balance transfers for 15 billing cycles. After, a 18.49% - 27.49% (variable) APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.

For ongoing rewards: Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. No limit on total cash back earned. Plus, you can earn 5% cash back on prepaid hotels and car rentals when you book directly in the Travel Rewards Center. The card’s annual fee is $0 and the foreign transaction fee is 3%.

When you need to finance a big-ticket item, you want two things — an intro APR on new purchases so you can avoid interest charges as you make payments, and a sign-up bonus that can help offset the cost of what you spent. The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard^® has both.

Plus, thanks to a generous rewards program that earns cash back on common business spending categories, this card offers ongoing value even after you pay off your initial purchase.

• Earn $500 in cash back.  Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. 
• Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs. 
• Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.  
• 1% cash back on all other eligible net purchases.  
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.  
• No limit on total cash back earned.  
• Rewards never expire.  
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks 
• 0% Intro APR on purchases and balance transfers for 15 billing cycles.  After that, a variable APR currently 18.49% - 27.49%
• No annual fee. 
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.  
• Great Offer from U.S. Bank, a 2022  World's Most Ethical Company® - Ethisphere Institute, February 2022 
• Terms and conditions apply 

The Ink Business Unlimited^® Credit Card is a $0-annual-fee card that lets business owners earn cash back at a simple, flat rate.

You can earn unlimited 1.5% cash back on every purchase made for your business. There’s also a decent sign-up bonus. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

There are several ways to redeem your rewards back awards, including statement credits, travel or gift cards you could give to employees.

The Ink Business Unlimited^® Credit Card is best for small business owners looking for a card with flexibility and simple rewards structure. With this card, you don’t have to worry about different earning categories or spending caps, since your rewards are unlimited.

It’s also best for business owners looking for a card with an intro APR. The Ink Business Unlimited^® Credit Card has a 0% Intro APR on Purchases for 12 months. Then, it goes to a 17.74% - 23.74% Variable APR.

• 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
• Member FDIC

While the U.S. Bank Business Platinum Card doesn’t come with rewards or a sign-up bonus, it does offer a long intro APR offers on balance transfers and purchases.

Business owners who get the U.S. Bank Business Platinum Card will enjoy an exceptional 0% intro APR on balance transfers for 18 billing cycles. After, a 16.49% to 25.49% APR applies. The balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.

There’s also a 0% intro APR on purchases for 18 billing cycles, providing plenty of time to pay off a big purchase. After, a 16.49% to 25.49% APR applies.

The annual fee is $0 and the foreign transaction fee is 3% on each foreign transaction.

When it comes to business credit cards, there aren’t as many 0% intro APR offers on balance transfers as there are with consumer cards. The U.S. Bank Business Platinum Card is an exception, and comes with an intro APR period close to two years long. If you need breathing room to pay off debt you’re currently carrying on another business card, this card merits your consideration.

And, thanks to a lengthy intro APR on new purchases, it’s also a solid choice for business owners looking to finance a big-ticket item (though it doesn’t offer a sign-up bonus to offset the cost).

• Limited time offer: 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.49% to 25.49%.
• U.S. Bank Business Platinum Card
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply

The PNC Visa® Business Credit Card also has a long intro APR on balance transfers as well as a low ongoing APR.

Cardholders get a 0% intro APR on balance transfers for 13 months, after which a 13.74% to 23.74% variable APR applies. The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater.

There’s no intro APR on purchases; the regular purchase APR is 13.74% to 23.74% variable.

This card doesn’t earn rewards or a sign-up bonus. But if you’re looking for a low interest rate, this card offers the chance to get a lower one than you’d find on many competing business cards.

When you need more than a year to pay off a balance transferred from another card, the PNC Visa® Business Credit Card is a solid choice. Plus, the regular interest rate is quite low, particularly if your APR is set at the lower end of the 13.74% to 23.74% variable range. If you encounter an emergency and have to roll a balance over month to month, a low interest card can help you incur a smaller amount of interest.

• 0% intro APR on balance transfers for 13 months, after which a 13.74% to 23.74% variable APR applies
• Set spending limits on employee cards
• No annual fee

The Capital One Spark Classic for Business earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

You’ll pay a $0 annual fee to carry the card and you don’t have to worry about a foreign transaction fee when business takes you abroad — this card charges none.

The APR is high at 29.74% (variable).

Many business credit cards require good to excellent credit in order to be approved. The Capital One Spark Classic for Business is accessible with just fair credit. If you’re a business owner worried your credit file is too slim to qualify for other business cards, the Capital One Spark Classic for Business might be what you need.

• Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• No annual fee
• Build and strengthen credit for your business by using this credit card responsibly
• $0 Fraud Liability if your card is lost or stolen
• Free employee cards, which also earn unlimited 1% cash back on all purchases
• Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
• No foreign transaction fees

The Capital One Spark Cash Plus earns 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.

Plus, there’s a sign-up bonus: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

In addition, you can earn a $200 cash bonus every year you spend $200,000 or more on this card.

Note that this is a charge card. That means you have no preset spending limit — rather, what you can spend on the card adapts based on factors such as your purchase and payment history. This can come in handy if you frequently need to make big purchases.

However, because this is a charge card, you have to pay in full every month and can’t carry a balance. If you don’t pay in full, there’s a 2.99% monthly late fee.

The Capital One Spark Cash Plus charges a $150 annual fee.

Because of the $150 annual fee, the Capital One Spark Cash Plus isn’t ideal for everyone. But it excels in situations where you need a card that will let you spend without a hard limit and you’re able to pay off your balance in full every month. Plus, thanks to its flat cash back rate, you earn the same amount on all purchases without having to think about various rewards categories.

• Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
• Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Add employee cards for free, and earn unlimited 2% cash back from their purchases
• $150 annual fee
• Spark Cash Plus has no APR because your balance is due in full every month
• For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The Business Platinum Card^® from American Express charges one of the highest annual fees around at $695, but comes with a long list of luxury benefits to match. For example:

• Access to the American Express Global Lounge Collection®, including more than 1,400 airport lounges.
• An annual airline fee statement credit of up to $200.*
• An annual statement credit of up to $400 for U.S. purchases with Dell once enrolled.*
• Up to $189 back per year on your CLEAR® membership.*
• Up to $360 in credits per year for spending with Indeed.*
• Up to $150 in credits annually for spending with Adobe.*
• Up to $120 in credits each year for wireless telephone purchases.*

Plus, get a credit to reimburse either Global Entry (up to $100 available every four years) or TSA PreCheck (up to $85 available every four-and-a-half years) when you pay for the application with this card.*

There’s also a valuable 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.

The Business Platinum Card^® from American Express also earns ongoing rewards: 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.

Don’t worry about a foreign transaction fee; you’ll be charged none.

*Enrollment required for these benefits

Quite simply, The Business Platinum Card^® from American Express is aimed at business owners who travel frequently and want top-of-the-line benefits. Plus, you’re not tied to any one airline, so you have more flexibility than you would with an airline-specific business card. However, with a steep $695 annual fee, this card probably won’t make sense for the occasional traveler.

To see rates & fees for The Business Platinum Card^® from American Express please click here.

• 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.