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Small business credit cards can be a helpful tool for business owners who may not qualify for small loans or have other financing options available.

With so many options for small business credit cards, which should you choose? We’re comparing ten of the best cards below to help you make your pick.

  1. Chase Ink Business Preferred
  2. Capital One Spark Cash
  3. Business Platinum Card from American Express
  4. SimplyCash Plus Business Card from American Express
  5. CitiBusiness/AAdvantage Platinum Select World Mastercard
  6. Wells Fargo Business Secured Credit Card
  7. Hilton Honors American Express Business Card
  8. American Express Blue Business Plus
  9. Southwest Rapid Rewards Premier Business
  10. GM BuyPower Business Card

1. Chase Ink Business Preferred

The Chase Ink Business Preferred card is a top choice among many small business owners because of the flexible and generous points program. With benefits including trip cancellation and interruption insurance, purchase protection, and auto rental waiver, along with no foreign transaction fees, this is an ideal card for business travel.

APR: Variable from 18.24% – 23.24%
Annual Fee: $95
Foreign Transaction Fee: none
Ideal For: Those who frequently travel for business

Perks Program

With the Chase Ink Business Preferred card, you’ll get points for every purchase you make. To get you started, Chase offers 80,00 bonus points after spending $5,000 within the first 3 months of opening the account.

You’ll earn 3 points for every $1 on purchases up to $150,000 each year in the following categories:
• Travel
• Shipping purchases
• Internet, cable, and phone
• Advertising with social media and search engines

You’ll receive 1 point for every $1 spent on all other purchases, with no limit.

You can redeem your points for cash back, gift cards, experiences and more. The real perks come in when you redeem for travel with Chase Ultimate Rewards. You’ll get 25% more for your points when using them for travel.

2. Capital One Spark Cash

When it comes to business credit cards with cash back programs, it’s hard to beat the Capital One Spark Cash rewards. Fraud protection and purchase security will give you peace of mind when using your card to make business purchases.

APR: 19.24% variable APR
Annual Fee: $0 for the first year, $95 after
Foreign Transaction Fee: none
Ideal For: Those looking for cash back from purchases

Perks Program

The Capital One Spark Cash business card has a generous 2% cash back rewards program. You can earn unlimited rewards and cash out at any time, without a minimum. It’s free to add employee cards, and the account owner will earn all of the rewards, along with being able to easily track spending.

New card members will earn a $500 cash bonus after spending $4,500 within the first 3 months of opening their account.

3. Business Platinum Card from American Express

The higher annual fee of the Business Platinum Card from American Express might not make it the right choice for every small business owner. However, for those that are using their card to make substantial purchases, the rewards can be well worth it.

APR: 20.49%
Annual Fee: $595
Foreign Transaction Fee: none
Ideal For: Those with higher monthly spending

Perks Program

A major draw of this card is the welcome offer. After spending $10,000 with the card, you’ll earn 50,000 reward points. After spending another $10,000, you’ll earn an additional 25,000 points.

After earning your points, redeem them for rewards in the variety of categories offered by American Express: Travel, Hotel, Shopping, and Entertainment. Look for special offers in each of the categories to make the most of your points, like pre-sale tickets to entertainment events and TSA Pre Check at select airports.

4. SimplyCash Plus Business Card from American Express

If high annual fees are deterring you from choosing the Business Platinum Card, the SimplyCash Plus Business Card is a strong alternative.

APR: 0% for 9 months, then between 14.24 – 21.24%
Annual Fee: $0
Foreign Transaction Fee: 2.7%
Ideal For: Getting cash back on all purchases

Perks Program

Cash back is the name of the game with the SimplyCash Plus Business Card. With this perks program, you’ll get a percentage back from every purchase. Get 5% back for purchases made in office supply stores and wireless services. Get 3% back on airfare, hotels, car rentals, gas stations, restaurants, advertising, shipping, and computer products. Get 1% back on all other purchases.

5. CitiBusiness/AAdvantage Platinum Select World Mastercard

If you travel often for work, a credit card with a great travel rewards program should be a priority. With the CitiBusiness/AAdvantage Platinum Select World Mastercard, you’ll earn American Airlines bonus miles with every purchase you make.

APR: Variable 17.99% to 25.99%
Annual Fee: $99, waived for the first 12 months
Foreign Transaction Fee: None
Ideal For: Frequent American Airlines travelers

Perks Program

The CitiBusiness/AAdvantage card offers many travel benefits to those who prefer flying with American Airlines. You’ll start with 50,000 American Airlines AAdvantage bonus miles after spending $2500 in the first three months after opening your card.

With this card, you’ll earn American Airlines miles along with travel benefits. Earn 2 AAdvantage miles for every $1 spent at gas stations, restaurants, and American Airlines purchases. While you’re traveling, you’ll enjoy benefit including flight discounts with American Airlines, a first free checked bag, and no foreign transaction fees.

6. Wells Fargo Business Secured Credit Card

For those just getting their business off the ground, establishing a solid credit history is the first step toward getting the best interest rates, qualifying for loans, and becoming financially successful. With a secured card, like the Wells Fargo Business Secured Credit Card, you can build your credit while enjoying the cash back and other rewards.

APR: Prime + 11.90%
Annual Fee: $25 per card (up to 10 cards)
Foreign Transaction Fee: None
Ideal For: Building your business credit

Perks Program

This card has a basic rewards program, but one that will help you earn cash back and points for every purchase your company makes. You’ll get 1.5% cash back for every $1 spent, returned automatically each quarter. You can also earn 1 point for every $1 spent, with 1,000 bonus points if you spent $1,000 or more in the billing period. Those points can be used for gift cards, flights, and more.

7. Hilton Honors American Express Business Card

When you’re frequently traveling for work, costs can add up quickly. Choosing a card with a hotel rewards program will not only save you money, but will often come with rewards that will make your time away feel more like home.

APR: variable rate 17-99% – 26.99%
Annual Fee: $95
Foreign Transaction Fee: none
Ideal For: making the most of hotel stays

Perks Program

Obviously, the draw of this card is the Hilton benefits. You’ll earn Hilton Honors Bonus Points for every eligible purchase you make. Earn 12x points per dollar on money spent at Hilton hotels and resorts. Earn 6x points per dollar on select business purchases including gas stations, wireless services, and shipping, along with travel purchases including restaurants, flights, and car rentals. Earn 3x points per dollar on other purchases. With your card, you’ll also have Hilton Honors Gold Status, giving you perks like room upgrades and bonus points.

8. American Express Blue Business Plus

Building business credit is an important step for any small business and qualifying for a credit line is a great first step. However, many business cards come with high annual fees. If those fees just aren’t in the budget, consider the American Express Blue Business Plus card.

APR: $0 for the first 15 months then variable rate 13.49% – 21.49%
Annual Fee: none
Foreign Transaction Fee: none
Ideal For: anyone looking for a card with no annual fee

Perks Program

The rewards of the American Express Blue Business Plus care are straightforward. You’ll earn 2x points on purchases up to $50,000 each year. After that, you’ll earn 1x points for every purchase. Use those points to make purchases at partnering merchants like Amazon and Walmart or on gift cards, travel, and other purchases through the America Express program.

9. Southwest Rapid Rewards Premier Business

Building business credit is an important step for any small business and qualifying for a credit line is a great first step. However, many business cards come with high annual fees. If those fees just aren’t in the budget, consider the American Express Blue Business Plus card.

APR: $0 for the first 15 months then variable rate 13.49% – 21.49%
Annual Fee: none
Foreign Transaction Fee: none
Ideal For: anyone looking for a card with no annual fee

Perks Program

The rewards of the American Express Blue Business Plus care are straightforward. You’ll earn 2x points on purchases up to $50,000 each year. After that, you’ll earn 1x points for every purchase. Use those points to make purchases at partnering merchants like Amazon and Walmart or on gift cards, travel, and other purchases through the America Express program.

10. GM BuyPower Business Card

While airline and hotel rewards cards may be the most well-known and widely used type of rewards card, but the GM BuyPower Business Card is another practical option that can help you expand your small business. With this card, rewards points can be used to purchase a company vehicle.

APR: 0% for the first year, then 19.24% variable
Annual Fee: none
Foreign Transaction Fee: none
Ideal For: business owners interested in saving on a GM vehicle

Perks Program

The goal of the rewards program with the GM BuyPower card is to redeem points for a new vehicle. You’ll earn 5% on purchases of GM parts, accessories, and services, 3% at gas stations, restaurants, and office supply stores, and 1% on all other purchases. Use your points to lower your monthly payments and upgrade your company vehicle.


Jess Barnes | Jess has a passion for helping small business owners build their brands and connect with their customers. She writes about money, tech, and marketing for blogs and businesses.