The 10 Best Small Business Credit Cards

If you find yourself ordering office staples from Amazon two or three times a day, then the Amazon Business Prime Card is the answer to your online shopping addiction. This $0 annual fee card earns you up to 5% back on all your Amazon and Whole Foods purchases. It’s kind of like getting paid to shop.

Pros:

• 5% cashback at Amazon and Whole Foods
• No foreign transaction fee

Cons:

• Amazon Prime membership not included
• High APR

Rating: 4.9/5

If you’re launching your first startup, it can be tough to get the funding you need to move forward. Luckily, the Capital One Spark Classic Card was designed for new business owners with a limited credit history. Secure this card with an easy approval process and start earning 1% cashback on all your purchases, from laptops to coffee runs.

Pros:

• Easy approval with limited credit history
• 1% cashback on all purchases

Cons:

• No welcome bonus
• High APR

Rating: 3.5/5

Gig workers are becoming major players in the economy. However, one thing that everyone, from rideshare drivers to dog walkers, can tell you is that gig work can be unpredictable. The moves Business Card is built for the gig lifestyle. Get instant cash advances of up to $1,000 right in your debit and banking app, so you can get back to searching for the next gig.

Pros:

• Cash advances of up to $1,000
• Easy account integration to popular gig apps

Cons:

• New company with Beta features
• Not a traditional credit card with rewards

Rating: 3.5/5

Established small business owners have put in the hours and work to build their success, so they deserve a card that treats them to the finer things in life. The AmEx Business Platinum Card grants you access to airport lounges and elite status at Hilton and Marriott hotels — talk about luxury travel. While this card has an expensive annual fee, the rewards are worth their weight in platinum.

Pros:

• 120,000 welcome points
• Up to 5x points on travel expenses

Cons:

• $695 annual fee
• Need excellent credit history

Rating: 5/5

We all love a little perk when it comes time to balance our budgets. The Chase Ink Business Card puts up to 5% cashback in your pocket on everyday office expenses and 1% cash back on general purchases. Earn money for your business just by buying the essentials.

Pros:

• $750 cashback welcome bonus
• No annual fee

Cons:

• High fee for cash advances
• Caps on bonus cashback categories

Rating: 5/5

While some cards require small business owners to personally guarantee the debt on the card, the Brex Card instead determines creditworthiness based on the business. This card is a great option for entrepreneurs with a well-funded company but limited personal credit history. Plus, this charge card offers a great point system earning up to 7x rewards on business purchases.

Pros:

• 40,000 welcome points
• Up to 7x points on qualifying purchases

Cons:

• $100,000 bank balance required to apply
• Charge card format requires the balance to be paid in full each month

Rating: 3.5/5

It is rare to find a credit card with a low-interest rate, but the Wells Fargo Business Elite Card comes through for the challenge. With an APR under 8%, this business card offers one of the lowest interest rates available. In addition, this card comes with 1.5% cashback on all purchases and the option to add free employee cards as you grow.

Pros:

• 7.49% APR
• 100,000 welcome bonus points

Cons:

• $125 annual fee
• Quarterly vs. monthly cashback credits

Rating: 4.5/5