Best business credit cards
For founders, freelancers, SMBs.
🇺🇸 United States
Chase Ink Business Preferred
Chase
US-incorporated startups, best welcome bonus in the business-card space.
EXPRESS
Amex Business Platinum
American Express
US-incorporated startups with $50K+/year corporate spend.
EXPRESS
Amex Business Gold
American Express
Small businesses, 4x on top 2 spend categories from a list of 6.
Chase Ink Business Cash
Chase
No-fee small-business card, 5% on office supplies, internet, cable.
Capital One Spark Cash Plus
Capital One
High-spend small business, 2% flat with $1,200 welcome.
Best business credit cards, common questions
Every figure below is read from our card catalog at build time, so it cannot drift from the card pages.
How many business credit cards are compared here?
5 business cards, 5 from the US. India and US cards are listed separately because their fees, income rules and reward currencies do not compare directly.
Which business credit cards have no annual fee?
1 of the 5 business cards listed here carries no annual fee: Chase Ink Business Cash. A zero annual fee does not mean zero cost; check the joining fee and the foreign transaction markup on each card page before you apply.
How much do these business cards cost per year?
Annual fees across the 5 business cards on this page run $0 to $695 (highest: Amex Business Platinum). Fee waivers on annual spend are common in India and rare in the US, so read the waiver threshold rather than the headline fee.
Which of these business cards is cheapest on foreign spend?
Amex Business Gold, Amex Business Platinum, Capital One Spark Cash Plus and Chase Ink Business Preferred each charge 0% on foreign currency transactions. That is the lowest markup among the 5 cards here whose rate we have confirmed against the issuer.