Voted By Pros

The 10 Best Small Business Credit Cards

February 21, 2024

We’ve consulted the small business pros to rank the best credit cards for everyone, from storefront owners to freelancers.

The right small business credit card can help you make purchases and earn rewards to propel your business forward. But, what are the best credit cards for small businesses? We’ve consulted the small business pros to rank the 10 best small business credit cards for everyone, from storefront owners to freelancers.

Blue Business® Plus Credit Card

If you’re a small business owner who doesn’t want to budget for additional expenses but still wants to reap the rewards of a points card, the Blue Business Plus Card is for you. This card offers 2x points on $50,000 of yearly purchases with no annual fee. It’s an excellent option for the first-time business owner or the seasoned entrepreneur.

Pros:

  • No annual fee
  • 2x rewards points on the first $50,000 of purchases every year

Cons:

  • High foreign transaction fee
  • Rewards points drop to 1x after $50,000

Rating: 4.8/5

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World of Hyatt Business Credit Card

If you need to travel for your business, you need a place to stay. The World of Hyatt Card provides nine points per every $1 spent at Hyatt hotels, helping you earn free stays to travel to that next client meeting in style. This card is perfect for those freelancers who consider a hotel room their office.

Pros:

  • 60,000 bonus welcome points
  • nine points per every $1 spent at Hyatt hotels

Cons:

  • $199 annual fee
  • Only one point per $1 on general purchases

Rating: 5/5

United Club℠ Business Card

Come fly with me … to my next business meeting. If you’re a business jet setter, you need an airline card that can help reduce travel stress while sweetening the deal with some cheap flights. The United Club Card provides luxury travel benefits, including an airline club membership, 2x miles on United purchases and 1.5x miles on general purchases. Earn a free flight to take that well-deserved vacation.

Pros:

  • 100,000 mile welcome bonus
  • Free United Club membership

Cons:

  • Seat restrictions on saver flights
  • $75 fee to book within 21 days of travel

Rating: 5/5

Amazon Business Prime American Express Card

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

Capital One Spark Classic for Business

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

moves Business Debit Card

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

The Business Platinum Card® from American Express

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

Ink Business Unlimited® Credit Card

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

Brex Card

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

Wells Fargo Business Elite Signature Card

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

As you can see, small business credit cards come with great benefits for your business. But, you know what else benefits your business? Insurance. Small business insurance can keep your business (and your purchases) protected from the financial impact of lawsuits related to third-party bodily injury and property damage claims.

Get a business insurance plan that’s just as customized as your small business credit card. Choose from coverage by the job, month or year. Just click “get a quote,” answer a quick set of questions, receive your quote and click to purchase. Get coverage in minutes so you can get back to shopping.

October 2, 2022

Our editorial content is intended for informational purposes only and is not written by a licensed insurance agent. Terms and conditions for rate and coverage may vary by class of business and state.

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