Best Business Credit Cards

Small business credit cards can be great tools to earn hundreds of dollars of rewards.

A Discover card among other credit cards
(Image credit: Getty Images)

For our review of the best business credit cards, we may get compensation if you visit partner links on our site. We may not cover every available offer. Our relationship with advertisers may impact how an offer is presented on our website. However, our selection of products is made independently of our relationship to advertisers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit to learn more.

Rates checked as of October 31, 2023.

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Chase Ink Business Cash® Credit Card

Get up to 5% cash back on business expenses, and add employee cards to your account free of charge. And enjoy a $750 sign-up bonus if you spend $6,000 in the first three months. 

Small businesses are more likely to be victims of fraud than larger companies. So, cardholders may also appreciate the card's free Fraud Protection, Purchase Protection, and personalized Account Alert services.

Other benefits include car rental insurance, purchase protection and extended warranty.


American Express Blue Business Cash™ Card 

This card offers 2% back on all spending up to the annual cap of $50,000. And small business owners can add employees to the account, issuing them separate cards.

With the generous cash back rate and no annual fee, this card provides short and long-term benefits to small businesses. See rates and fees.


Capital One Spark Miles for Business 

If you travel regularly for your business, this card can help you accumulate plenty of miles to put toward trips – and it comes with extra travel perks. The card is also offering a generous sign-on bonus of 50,000 miles if you spend $4,500 in the first three months.

Earn five miles per dollar spent on hotel and car rentals booked through Capital One's travel service, and two miles per dollar on all other spending. And unlike many competing cards, there is no limit to the number of miles you can rack up.


As an independent publication dedicated to helping you make the most of your money, the article above is our view of the best deals and is not the opinion of any entity mentioned such as a card issuer, hotel, airline etc. Similarly, the content has not been reviewed or endorsed by any of those entities.

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.

With contributions from