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Best Small Business Credit Cards in February 2023

*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 February 1, 2023 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Our pick for best small business credit card

Ink Business Cash® Credit Card

Why we choose it: It earns generous cash back on purchases in common business spending categories, offers a valuable sign-up bonus, comes with an intro APR period for new purchases and charges a $0 annual fee.

Best Credit Cards for Small Businesses in February 2023

There are many ways you can use a small business credit card to help your business’s bottom line. For instance, you can use it to turn everyday expenses into cash back, to offset a big purchase with a sign-up bonus, to manage employee expenses or even just to get into an airport lounge and relax during a business trip.

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 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 For Overall

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

Ink Business Cash® Credit Card

Apply Now
on Chase's secure site
Introductory APR 0% Intro APR on Purchases for 12 months
Annual Fee $0
Regular Purchase APR 17.49% - 23.49% Variable
Credit Score Needed
720 850
Excellent

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: LIMITED TIME OFFER: Earn $900 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 17.49% - 23.49% 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.

  • BEST OFFER EVER: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

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: LIMITED TIME OFFER: Earn $900 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 17.49% - 23.49% 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.

  • BEST OFFER EVER: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Best For Business travel rewards

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

Ink Business Preferred® Credit Card

Apply Now
on Chase's secure site
Introductory APR N/A
Annual Fee $95
Regular Purchase APR 20.24% - 25.24% Variable
Credit Score Needed
720 850
Excellent

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 20.24% - 25.24% 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

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 20.24% - 25.24% 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Best For Flat-rate cash back

Capital One Spark Cash Select - 0% Intro APR for 12 Months

Capital One Spark Cash Select - 0% Intro APR for 12 Months

Apply Now
on Capital One's secure site
Introductory APR 0% on purchases for 12 months
Annual Fee $0
Regular Purchase APR 20.24% - 28.24% (Variable)
Credit Score Needed
660 720
Good

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; 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-rate cash back at a competitive rate on every purchase and charges a $0 annual fee. It’s true there’s no sign-up bonus, but you can finance a big-ticket purchase, thanks to the 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

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; 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-rate cash back at a competitive rate on every purchase and charges a $0 annual fee. It’s true there’s no sign-up bonus, but you can finance a big-ticket purchase, thanks to the 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

Best For Financing a big purchase

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard<sup>®</sup>

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®

Review Coming Soon
Introductory APR 0% Intro APR for 15 billing cycles on purchases
Annual Fee $0
Regular Purchase APR 18.24% - 27.24% (Variable)
Credit Score Needed
660 720 850
Excellent/Good

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 18.24% - 27.24% (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 18.24% - 27.24% (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 18.24% - 27.24% 
  • 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 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 18.24% - 27.24% (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 18.24% - 27.24% (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 18.24% - 27.24% 
  • 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 information related to the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For No annual fee

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

Ink Business Unlimited® Credit Card

Apply Now
on Chase's secure site
Introductory APR 0% Intro APR on Purchases for 12 months
Annual Fee $0
Regular Purchase APR 17.49% - 23.49% Variable
Credit Score Needed
660 720 850
Excellent/Good

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. LIMITED TIME OFFER: Earn $900 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 17.49% - 23.49% Variable APR.

  • BEST OFFER EVER: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

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. LIMITED TIME OFFER: Earn $900 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 17.49% - 23.49% Variable APR.

  • BEST OFFER EVER: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Best For Balance transfers

U.S. Bank Business Platinum Card

U.S. Bank Business Platinum Card

Introductory APR 0% intro APR on purchases for 18 billing cycles
Annual Fee $0
Regular Purchase APR 16.24% - 25.24% (variable)
Credit Score Needed
660 720 850
Excellent/Good

While the U.S. Bank Business Platinum Card doesn’t come with rewards or a sign-up bonus, it does have long 0% 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 16.24% - 25.24% (variable) 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 16.24% - 25.24% (variable) 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 16.24%-25.24%.
  • 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

While the U.S. Bank Business Platinum Card doesn’t come with rewards or a sign-up bonus, it does have long 0% 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 16.24% - 25.24% (variable) 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 16.24% - 25.24% (variable) 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 16.24%-25.24%.
  • 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 information related to the U.S. Bank Business Platinum Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Low ongoing APR

PNC Visa® Business Credit Card

PNC Visa® Business Credit Card

Introductory APR N/A
Annual Fee $0
Regular Purchase APR 13.74% to 23.74% variable
Credit Score Needed
660 720 850
Excellent/Good

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 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 information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Business owners with limited credit history

Capital One Spark Classic for Business

Capital One Spark Classic for Business

Introductory APR N/A
Annual Fee $0
Regular Purchase APR 29.74% (Variable)
Credit Score Needed
600 660
Fair

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 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 information related to the Capital One Spark Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For No preset spending limit

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Apply Now
on Capital One's secure site
Introductory APR N/A
Annual Fee $150
Regular Purchase APR N/A
Credit Score Needed
720 850
Excellent

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

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

Best For Luxury business benefits

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
Introductory APR N/A
Annual Fee $695
Regular Purchase APR 18.49% - 26.49% Variable
Credit Score Needed
660 720 850
Excellent/Good

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

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

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.

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

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

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.

Side-by-side comparison of the best business credit cards

Glen Luke Flanagan

  • Expertise: Personal finance, credit scoring, credit cards
  • Education: Radford University, East Carolina University

 


 

Glen Luke Flanagan is a senior credit card writer for LendingTree. He joined the team in June 2019, and covers topics including new credit cards, how your credit score works and what you need to know about credit card interest.
 
Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively.
 
Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.