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Best Small Business Credit Cards of December 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated November 30, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

There are many ways you can use a small business credit card to help your business’s bottom line. You can use it to turn everyday expenses into travel by earning miles, use it to manage employee expenses or offset ongoing expenses with cash back rewards, or even just use it to get into an airport lounge and relax.

Before selecting a small business credit card, you need to figure out how a card will align with your expenses and what you are aiming to get out of the card. If there’s no one card that answers all of your needs, you may find it beneficial to have multiple cards. We’ve organized our recommendations listed on our site by category — so here are our top picks based on our research of cards available through LendingTree, as well as top cards offered by major issuers.

Best Small Business Credit Cards of December 2021
Best travel rewards business credit card Ink Business Preferred℠ Credit Card
Best airline credit card for business Delta SkyMiles® Reserve Business American Express Card
Best cashback business credit card Ink Business Cash® Credit Card
Best 0% intro APR business card The Blue Business® Plus Credit Card from American Express
Best luxury business card The Business Platinum Card® from American Express

Best For Business travel rewards

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99%-20.99% Variable

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.

The Ink Business Preferred℠ Credit Card comes with a very lucrative sign-up bonus offer – especially when redeemed for travel through Chase Ultimate Rewards®.

Cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. If you redeem those points for cash or gift cards, they will be worth $1,000. Or, if you redeem them for airfare, hotel stays, car rentals, activities or cruises through Chase’s travel portal, they are worth 25% more, or $1,250.

Ultimate Rewards points can be redeemed for cash, gift cards, travel or merchandise, or transferred at a 1:1 value to a variety of airline and hotel partners.

The Ink Business Preferred℠ Credit Card is geared toward business owners with excellent credit.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95. However, the value you can get from the card’s sign-up bonus more than covers that amount during the first year of card membership.

Because the Ink Business Preferred℠ Credit Card does not offer an intro APR on purchases, you will be subject to an APR of 15.99%-20.99% variable if you don’t pay your balance in full each month.

If you need to finance a large purchase, such as business travel or equipment for your company, you may be better off with a business credit card that doesn’t charge interest on purchases for a year or longer, such as the Ink Business Cash® Credit Card.

  • Free employee cards: Employee cards are free, and you have the ability to implement spending limits to keep spending under control.
  • Cellphone protection: Receive up to $600 per claim in cellphone protection against damage or theft for you and your employees when you pay your bill with your card.
  • Trip cancellation/trip interruption insurance: You may be reimbursed up to $5,000 per person and $10,000 per trip for eligible expenses if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Auto rental collision damage waiver: If you decline the rental company’s collision insurance and charge the entire rental cost to your card, and later are a victim of theft or collision damage, you may be reimbursed up to the actual cash value of the vehicle. This applies to most car rentals in the U.S. and abroad.
  • Purchase protection. Your new purchases will be covered against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection. Eligible U.S. manufacturer warranties of three years or less will be extended an additional year.
  • Foreign transaction fees. You will be charged $0 in foreign transaction fees if you use your card to make purchases outside of the U.S.

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.

The Ink Business Preferred℠ Credit Card comes with a very lucrative sign-up bonus offer – especially when redeemed for travel through Chase Ultimate Rewards®.

Cardholders earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. If you redeem those points for cash or gift cards, they will be worth $1,000. Or, if you redeem them for airfare, hotel stays, car rentals, activities or cruises through Chase’s travel portal, they are worth 25% more, or $1,250.

Ultimate Rewards points can be redeemed for cash, gift cards, travel or merchandise, or transferred at a 1:1 value to a variety of airline and hotel partners.

The Ink Business Preferred℠ Credit Card is geared toward business owners with excellent credit.

The Ink Business Preferred℠ Credit Card charges an annual fee of $95. However, the value you can get from the card’s sign-up bonus more than covers that amount during the first year of card membership.

Because the Ink Business Preferred℠ Credit Card does not offer an intro APR on purchases, you will be subject to an APR of 15.99%-20.99% variable if you don’t pay your balance in full each month.

If you need to finance a large purchase, such as business travel or equipment for your company, you may be better off with a business credit card that doesn’t charge interest on purchases for a year or longer, such as the Ink Business Cash® Credit Card.

  • Free employee cards: Employee cards are free, and you have the ability to implement spending limits to keep spending under control.
  • Cellphone protection: Receive up to $600 per claim in cellphone protection against damage or theft for you and your employees when you pay your bill with your card.
  • Trip cancellation/trip interruption insurance: You may be reimbursed up to $5,000 per person and $10,000 per trip for eligible expenses if your trip is canceled or cut short by sickness, severe weather or other covered situations.
  • Auto rental collision damage waiver: If you decline the rental company’s collision insurance and charge the entire rental cost to your card, and later are a victim of theft or collision damage, you may be reimbursed up to the actual cash value of the vehicle. This applies to most car rentals in the U.S. and abroad.
  • Purchase protection. Your new purchases will be covered against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.
  • Extended warranty protection. Eligible U.S. manufacturer warranties of three years or less will be extended an additional year.
  • Foreign transaction fees. You will be charged $0 in foreign transaction fees if you use your card to make purchases outside of the U.S.

Best For Small business airline card

Delta SkyMiles<sup>®</sup> Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 15.74% - 24.74% Variable

For business owners who are among Delta Air Lines’ top elite flyers and want a card to match, then consider the Delta SkyMiles® Reserve Business American Express Card. Your Delta SkyMiles Medallion elite status pairs well with this luxury card, which further upgrades your travel experience in the air and on the ground thanks to airline-related perks.

The Delta SkyMiles® Reserve Business American Express Card comes with basic benefits including no travel blackout dates, miles that never expire and no limits on how many you can earn. Use miles to pay for flights, seat upgrades and merchandise in the SkyMiles Marketplace. You can also donate, gift and transfer miles or spend them on unique SkyMiles Experiences.

The card comes with a $550 annual fee, which is not unusual for a luxury card. And, every time the card is renewed, you receive a free domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate.

To see the rates and fees for the Delta SkyMiles® Reserve Business American Express Card, please click here.

If your business is loyal to Delta, the Delta SkyMiles® Reserve Business American Express Card is a no-brainer, since it comes packed with perks designed to make your travel on the airline better. And it comes with solid options to help you maintain your elite Medallion status. But on the minus side, other luxury cards offer more points and miles per dollar spent on broader travel, dining, gas and supermarkets.

Cardholders can earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

The card offers ways to keep your Medallion elite status based on yearly spending. Each year, cardholders can earn up to 60,000 Medallion Qualification Miles (MQMs): Earn 15,000 MQMs after spending $30,000 in a calendar year on the card. If in that same calendar year you make purchases of $60,000, $90,000 or $120,000 or more, you will receive an additional 15,000 MQMs for each threshold you meet.

  • Complimentary access to Delta Sky Club (when traveling on a same-day Delta-marketed or Delta-operated flight)
  • Two one-time guest passes each year allowing you to bring traveling companions into Delta Sky Club lounges
  • Bring up to two guests when visiting Delta Sky Club lounges for an exclusive per-visit rate of $39 per person
  • When on a Delta partner airline flight not marketed by Delta, access Delta Sky Club lounges for $39 (per person, per visit)
  • Complimentary Centurion Lounge access
  • First checked bag free
  • Up to $100 fee credit for Global Entry or TSA Precheck
  • Trip delay insurance
  • Baggage insurance
  • Car rental loss and damage insurance
  • Delta SkyMiles® Reserve Business American Express Card foreign transaction fees
  • Main Cabin 1 priority boarding
  • Complimentary upgrades
  • Annual companion certificate (does not include taxes and fees)
  • Concierge to assist with dinner arrangements, purchasing tickets, and more
  • Terms apply

For business owners who are among Delta Air Lines’ top elite flyers and want a card to match, then consider the Delta SkyMiles® Reserve Business American Express Card. Your Delta SkyMiles Medallion elite status pairs well with this luxury card, which further upgrades your travel experience in the air and on the ground thanks to airline-related perks.

The Delta SkyMiles® Reserve Business American Express Card comes with basic benefits including no travel blackout dates, miles that never expire and no limits on how many you can earn. Use miles to pay for flights, seat upgrades and merchandise in the SkyMiles Marketplace. You can also donate, gift and transfer miles or spend them on unique SkyMiles Experiences.

The card comes with a $550 annual fee, which is not unusual for a luxury card. And, every time the card is renewed, you receive a free domestic First Class, Delta Comfort+® or Main Cabin round-trip companion certificate.

To see the rates and fees for the Delta SkyMiles® Reserve Business American Express Card, please click here.

If your business is loyal to Delta, the Delta SkyMiles® Reserve Business American Express Card is a no-brainer, since it comes packed with perks designed to make your travel on the airline better. And it comes with solid options to help you maintain your elite Medallion status. But on the minus side, other luxury cards offer more points and miles per dollar spent on broader travel, dining, gas and supermarkets.

Cardholders can earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.

The card offers ways to keep your Medallion elite status based on yearly spending. Each year, cardholders can earn up to 60,000 Medallion Qualification Miles (MQMs): Earn 15,000 MQMs after spending $30,000 in a calendar year on the card. If in that same calendar year you make purchases of $60,000, $90,000 or $120,000 or more, you will receive an additional 15,000 MQMs for each threshold you meet.

  • Complimentary access to Delta Sky Club (when traveling on a same-day Delta-marketed or Delta-operated flight)
  • Two one-time guest passes each year allowing you to bring traveling companions into Delta Sky Club lounges
  • Bring up to two guests when visiting Delta Sky Club lounges for an exclusive per-visit rate of $39 per person
  • When on a Delta partner airline flight not marketed by Delta, access Delta Sky Club lounges for $39 (per person, per visit)
  • Complimentary Centurion Lounge access
  • First checked bag free
  • Up to $100 fee credit for Global Entry or TSA Precheck
  • Trip delay insurance
  • Baggage insurance
  • Car rental loss and damage insurance
  • Delta SkyMiles® Reserve Business American Express Card foreign transaction fees
  • Main Cabin 1 priority boarding
  • Complimentary upgrades
  • Annual companion certificate (does not include taxes and fees)
  • Concierge to assist with dinner arrangements, purchasing tickets, and more
  • Terms apply

Best For Cashback business card

Ink Business Cash<sup>®</sup> Credit Card

Ink Business Cash® Credit Card

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 12 months
Annual Fee $0
Regular Purchase APR 13.24% - 19.24% Variable

If your business spends a lot at office supply stores, the Ink Business Cash® Credit Card provides an extremely generous cashback 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 great rewards rate, there is a sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

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

The Ink Business Cash® Credit Card can help offset the cost of everyday business expenses for a $0 annual fee.

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 13.24% - 19.24% variable will apply.

This is a great card to help business owners regularly save on typical business expenditures, such as office supplies, cable, internet and phone services, and more.

  • Free employee cards
  • Travel and emergency assistance services
  • Extended warranty protection
  • Purchase protection
  • Primary auto rental collision damage waiver

If your business spends a lot at office supply stores, the Ink Business Cash® Credit Card provides an extremely generous cashback 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 great rewards rate, there is a sign-up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

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

The Ink Business Cash® Credit Card can help offset the cost of everyday business expenses for a $0 annual fee.

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 13.24% - 19.24% variable will apply.

This is a great card to help business owners regularly save on typical business expenditures, such as office supplies, cable, internet and phone services, and more.

  • Free employee cards
  • Travel and emergency assistance services
  • Extended warranty protection
  • Purchase protection
  • Primary auto rental collision damage waiver

Best For 0% intro APR

The Blue Business<sup>®</sup> Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR 0% on purchases for 12 months from date of account opening
Annual Fee No annual fee
Regular Purchase APR 13.24% - 19.24% Variable

Many small businesses may need to carry a balance from time to time. This isn’t ideal, but a card with an introductory 0% APR can provide a window of time to pay off debt without accruing interest charges. Our top pick when you need to pay off a large purchase over time is the Blue Business® Plus Credit Card from American Express.

With this card, you will receive an intro APR of 0% on purchases for 12 months from date of account opening. After, a 13.24% - 19.24% variable APR applies.

The card also offers rewards. 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. There is no annual fee.

Finally, the welcome offer allows you to 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.

To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.

If you’re a small business owner who wants the prestige and benefits that come with carrying an American Express business credit card while also having the ability to carry a balance interest-free for a year, check out the Blue Business® Plus Credit Card from American Express.

In addition to offering rewards on company-related expenses, such as office supplies, the no annual fee  card offers an interest-free period on purchases for an entire year. And it comes with Expanded Buying Power (more on that in the next tab) which might be helpful if you find yourself needing to make a purchase that’s larger than your credit limit.

  • Expanded Buying Power. This feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases. Just know, at the end of the billing cycle, the portion above your credit limit will be due in full.
  • Account Manager. You can have a designated employee or business partner act as an Account Manager to handle various tasks like reviewing statements, making payments and more.
  • American Express® Business App. Add receipts and notes to transactions via mobile or desktop to track spending and manage your card more easily.
  • Relationship Care® Service. Call the number on the back of your card to speak to specially trained customer care professionals who have the knowledge to help your small business with questions that may arise.
  • Car rental loss and damage insurance.
  • Extended warranty.
  • Purchase protection.
  • Terms Apply

Many small businesses may need to carry a balance from time to time. This isn’t ideal, but a card with an introductory 0% APR can provide a window of time to pay off debt without accruing interest charges. Our top pick when you need to pay off a large purchase over time is the Blue Business® Plus Credit Card from American Express.

With this card, you will receive an intro APR of 0% on purchases for 12 months from date of account opening. After, a 13.24% - 19.24% variable APR applies.

The card also offers rewards. 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. There is no annual fee.

Finally, the welcome offer allows you to 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.

To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.

If you’re a small business owner who wants the prestige and benefits that come with carrying an American Express business credit card while also having the ability to carry a balance interest-free for a year, check out the Blue Business® Plus Credit Card from American Express.

In addition to offering rewards on company-related expenses, such as office supplies, the no annual fee  card offers an interest-free period on purchases for an entire year. And it comes with Expanded Buying Power (more on that in the next tab) which might be helpful if you find yourself needing to make a purchase that’s larger than your credit limit.

  • Expanded Buying Power. This feature lets you buy above your credit limit — with no overlimit fees — and earn cash back on those purchases. Just know, at the end of the billing cycle, the portion above your credit limit will be due in full.
  • Account Manager. You can have a designated employee or business partner act as an Account Manager to handle various tasks like reviewing statements, making payments and more.
  • American Express® Business App. Add receipts and notes to transactions via mobile or desktop to track spending and manage your card more easily.
  • Relationship Care® Service. Call the number on the back of your card to speak to specially trained customer care professionals who have the knowledge to help your small business with questions that may arise.
  • Car rental loss and damage insurance.
  • Extended warranty.
  • Purchase protection.
  • Terms Apply

Best For Luxury business card

The Business Platinum Card<sup>®</sup> from American Express

The Business Platinum Card® from American Express

Apply Now
on American Express's secure site
Terms Apply
Intro Purchase APR See Pay Over Time APR
Annual Fee $595 (10/14-1/12/22)
Regular Purchase APR 14.24% - 22.24% Variable

Luxury credit cards are a great way for your business to enjoy the high-value rewards and benefits and typically come with a high annual fee, but the benefits your business will receive are often worth it, such as lounge access, travel and purchase protections, travel credits, versatile rewards and more. Whether your business wants to enjoy airline credits, acquire travel insurance, or simply access an airport lounge — a luxury credit card is a great choice that will allow you to travel comfortably.

The Business Platinum Card® from American Express is the most prestigious luxury business credit card on the market. Although it comes with one of the highest annual fees of any card at $595 (10/14-1/12/22), the rewards and benefits are top-notch.

You’ll earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

And the welcome offer is generous as well, as long as you can meet the spending requirement: 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.

To see the rates and fees for The Business Platinum Card® from American Express, please click here.

One of the biggest benefits of carrying this card is its wide-ranging lounge access. It comes with access to more than 1,300 airport lounges across 140 countries. That includes lounges in Amex networks — such as The Centurion Lounge and The International American Express lounges — and also partner lounge networks such as Delta Sky Club and Priority Pass Select (enrollment required).

Additional benefits to this card include:

  • An annual airline fee statement credit of up to $200 (enrollment required).
  • An annual statement credit of up to $400 for U.S. purchases with Dell once enrolled.
  • Up to $179 back per year on your CLEAR® membership.
  • Up to $360 in credits per year for spending with Indeed (enrollment required)
  • Up to $150 in credits annually for spending with Adobe (enrollment required)
  • Up to $120 in credits each year for wireless telephone purchases (enrollment required)

 

Taking advantage of these benefits can significantly reduce the annual fee. For example, if you use the full $200 airline fee statement credit each year, that essentially brings the card’s annual fee down from $595 (10/14-1/12/22) to $395.

  • CLEAR® fee credit. Use your Card and get up to $179 back per year on your CLEAR® membership.
  • No foreign transaction fee. If business trips take you or your employees out of the country frequently, don’t worry about paying an extra fee on each transaction – there is none.
  • Business Platinum Concierge: Representatives are available 24/7 to assist with any questions or requests such as booking a business lunch.*
  • Business Platinum travel service: Counselors are available to assist in making travel arrangements and itineraries to make traveling more efficient.
  • Baggage insurance.
  • Travel accident insurance.
  • Premium Global Assist® hotline.
  • Premium car rental privileges: Receive complimentary membership in premium car rental programs, with benefits including special upgrades and discounts.*
  • Car rental loss and damage insurance.
  • Fine Hotels & Resorts: Enrolling and booking with Fine Hotels & Resorts allows you to receive complimentary benefits including: room upgrades when available, breakfast, late check-out and more.*
  • Upgrade to gold status in select hotel programs: Get complimentary Marriott Bonvoy™ Gold Elite status and Hilton Honors Gold status with this card. Enrollment required.
  • Global dining collection: Receive special access to reservations and experiences at popular restaurants, and the opportunity to meet chefs at exclusive events.*
  • Preferred Seating: Receive exclusive access to premium seats for events.*
  • American Express Experiences: In select cities you can gain access to exclusive events and presales for concerts, sporting events and more.*
  • Account manager: Employees or business partners can act as an account manager to deal with reviewing statements, making payments and other tasks.*
  • American Express® Business App: Manage your card more easily via mobile or desktop to add receipts and notes to transactions.*
  • Connect to QuickBooks: Link your QuickBooks and card account to facilitate expenses by labeling and transferring transactions.*

 

*Terms Apply.

Luxury credit cards are a great way for your business to enjoy the high-value rewards and benefits and typically come with a high annual fee, but the benefits your business will receive are often worth it, such as lounge access, travel and purchase protections, travel credits, versatile rewards and more. Whether your business wants to enjoy airline credits, acquire travel insurance, or simply access an airport lounge — a luxury credit card is a great choice that will allow you to travel comfortably.

The Business Platinum Card® from American Express is the most prestigious luxury business credit card on the market. Although it comes with one of the highest annual fees of any card at $595 (10/14-1/12/22), the rewards and benefits are top-notch.

You’ll earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.

And the welcome offer is generous as well, as long as you can meet the spending requirement: 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.

To see the rates and fees for The Business Platinum Card® from American Express, please click here.

One of the biggest benefits of carrying this card is its wide-ranging lounge access. It comes with access to more than 1,300 airport lounges across 140 countries. That includes lounges in Amex networks — such as The Centurion Lounge and The International American Express lounges — and also partner lounge networks such as Delta Sky Club and Priority Pass Select (enrollment required).

Additional benefits to this card include:

  • An annual airline fee statement credit of up to $200 (enrollment required).
  • An annual statement credit of up to $400 for U.S. purchases with Dell once enrolled.
  • Up to $179 back per year on your CLEAR® membership.
  • Up to $360 in credits per year for spending with Indeed (enrollment required)
  • Up to $150 in credits annually for spending with Adobe (enrollment required)
  • Up to $120 in credits each year for wireless telephone purchases (enrollment required)

 

Taking advantage of these benefits can significantly reduce the annual fee. For example, if you use the full $200 airline fee statement credit each year, that essentially brings the card’s annual fee down from $595 (10/14-1/12/22) to $395.

  • CLEAR® fee credit. Use your Card and get up to $179 back per year on your CLEAR® membership.
  • No foreign transaction fee. If business trips take you or your employees out of the country frequently, don’t worry about paying an extra fee on each transaction – there is none.
  • Business Platinum Concierge: Representatives are available 24/7 to assist with any questions or requests such as booking a business lunch.*
  • Business Platinum travel service: Counselors are available to assist in making travel arrangements and itineraries to make traveling more efficient.
  • Baggage insurance.
  • Travel accident insurance.
  • Premium Global Assist® hotline.
  • Premium car rental privileges: Receive complimentary membership in premium car rental programs, with benefits including special upgrades and discounts.*
  • Car rental loss and damage insurance.
  • Fine Hotels & Resorts: Enrolling and booking with Fine Hotels & Resorts allows you to receive complimentary benefits including: room upgrades when available, breakfast, late check-out and more.*
  • Upgrade to gold status in select hotel programs: Get complimentary Marriott Bonvoy™ Gold Elite status and Hilton Honors Gold status with this card. Enrollment required.
  • Global dining collection: Receive special access to reservations and experiences at popular restaurants, and the opportunity to meet chefs at exclusive events.*
  • Preferred Seating: Receive exclusive access to premium seats for events.*
  • American Express Experiences: In select cities you can gain access to exclusive events and presales for concerts, sporting events and more.*
  • Account manager: Employees or business partners can act as an account manager to deal with reviewing statements, making payments and other tasks.*
  • American Express® Business App: Manage your card more easily via mobile or desktop to add receipts and notes to transactions.*
  • Connect to QuickBooks: Link your QuickBooks and card account to facilitate expenses by labeling and transferring transactions.*

 

*Terms Apply.

Small business credit card FAQs

A good business credit card should have a variety of features that set it apart from personal credit cards and business loans. Business credit cards are a good way for your business to build credit, track spending and earn rewards. When searching for a business credit card you should choose a card with the following benefits:

  • Free employee cards
  • Generous sign-up bonus/welcome offer
  • Intro 0% APR period
  • Rewards program
  • Business spending reports
  • Free credit score and credit monitoring tools
  • Business credit reporting
  • No foreign transaction fee

Yes, there are numerous credit cards that are geared toward small businesses. The cards in this post are all designed for small businesses, unlike standard personal credit cards. Most small business credit cards offer features that allow you to earn high rewards on business purchases, may offer travel benefits, and often offer tools to let you monitor spending.

Although this is a small business card, both your personal and business credit score will be considered. Business cards typically require an average or better credit score. If you are new to credit or have bad/fair credit, you most likely will not qualify for a business card. Business cards approve applicants for higher credit limits than personal cards. This is due in part to the large volume of purchases businesses make. There is no minimum spending required annually for a business card.

Business credit cards are a personal liability for business owners. Any unpaid balance on your business card will appear on your personal credit history and lower your personal credit score. This means you are liable for all purchases on your business card, including employee spending. To prevent issues, frequently monitor your account, limit employee spending and set up autopay.

If your business is new to credit, it’s best to start with one business credit card so spending doesn’t get out of hand. This is important since you, as the business owner, are personally liable for all purchases made on the business card. As you build credit and your business’s needs grow, you may want to have multiple credit cards to maximize your rewards and benefits. You may want a travel rewards card to pair with an airline’s frequent flyer program, a cashback card for high-spending categories like office supplies and gas, a low-interest card if you have an existing balance or plan on making a large purchase, and a luxury card if you want to travel with ease. Keep in mind taking out an additional card will add to your personal risk and if you don’t want more liability, it is best to stick with one business card.

Yes, there are benefits that come with business credit cards that business loans do not provide. If you are looking to make ongoing purchases, a credit card could be a better choice than a loan. Read about the benefits business loans can provide and see below for the unique benefits of a business credit card:

  • Rewards that can earn you points on everyday business purchases
  • Sign-up bonus/welcome offers
  • 0% intro rates — allowing you to pay a large purchase interest-free or pay off a balance on another card
  • Easier tax filing by having all business purchases on one card
  • No collateral required
  • Revolving line of credit helps easily manage recurring payments
  • Ability to build business credit
  • Automate recurring expenses
  • Monitor employee spending

The bottom line

The right business credit card can be a big help to your business, whether that be through earning miles you can redeem for travel, earning cash back or providing benefits that make your job easier. But before you apply, do your homework. There are numerous business cards on the market, and some will be a better fit for your business’s needs than others.

And remember — your business card can affect your personal credit if you fall behind on payments. Make sure to practice good credit habits, and if you issue business cards to your employees, educate them on responsible credit card usage too.

To see the rates and fees for The Business Platinum Card® from American Express, please click here.
To see the rates and fees for The Blue Business® Plus Credit Card from American Express, please click here.
To see the rates and fees for the Delta SkyMiles® Reserve Business American Express Card, please click here.

Glen Luke Flanagan

Overview

Glen Luke Flanagan covers credit card news for LendingTree.com. He joined the team in June 2019. His work ranges from reviews of new cards to in-depth pieces on protecting your financial information, and his background is in journalism and government communications. 

Experience

As a journalist in North Carolina and South Carolina, Glen covered topics including city government, state government, local businesses, public safety and more. During his time at The State newspaper, Glen’s work appeared on the websites of newspapers across the United States owned by The McClatchy Company. His reporting at The News Herald and The State newspaper won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.

Education

Glen earned his B.A. in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. After graduation, he participated in a Dow Jones News Fund training and internship. Out of more than 600 applicants, only 86 were accepted into the DJNF program that summer. He was later one of approximately two dozen fellows selected from journalists across the country to participate in the University of South Carolina’s 2016 Media Law School, which was sponsored by the American Board of Trial Advocates. This program gave fellows an intensive crash course in public records, bankruptcy law, podcasts and more.

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