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How to Apply for Business Credit Cards

How business credit cards differ from personal credit cards and how to apply even if you don’t have a “traditional” business Read more >

Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
link Chase Ink Business Preferred® Credit Card image
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(4.6)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Preferred® Credit Card

Annual fee:
$95
Min credit score:
Good (670-739) *

Bonus Offer

Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.

The Chase Ink Business Preferred® is the cornerstone Chase business card, allowing you to transfer points to Chase Ultimate Rewards airline and hotel transfer partners and earning 3X points per dollar in combined purchases on popular categories like travel and select online advertising purchases (up to $150,000 per year).

Bonus points for spend in the following categories:

3x Advertising on Search Engines and Social Media

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3x Airfare

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

+8 more
Card Details Learn How to Apply
link Chase Ink Business Unlimited® Credit Card image
YBCC Card Rate Stars Filled
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(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Unlimited® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Completing the Chase Ink Trifecta is the Chase Ink Business Unlimited®, offering 1.5% cash back on all eligible purchases.

Bonus points for spend in the following categories:

1.5x Everything Else
Card Details Learn How to Apply
link Chase Ink Business Cash® Credit Card image
YBCC Card Rate Stars Filled
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(4.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Cash® Credit Card

Annual fee:
$0
Min credit score:
Good (670-739) *

Bonus Offer

Get $900 in the form of 90,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.

Want a no annual fee card that earns a ton on office supply stores and on internet, cable and phone services? This is your card.

Bonus points for spend in the following categories:

5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
+4 more
Card Details Learn How to Apply
link Chase Ink Business Premier℠ Credit Card image
YBCC Card Rate Stars Filled
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(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Chase Ink Business Premier℠ Credit Card

Annual fee:
$195
Min credit score:
Good (670-739) *

Bonus Offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.

A card intended for high spenders with 2% - 2.5% cash back on eligible purchases.

Bonus points for spend in the following categories:

5x Airfare

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

5x Car Rentals

Only applies to bookings made in the Chase Ultimate Rewards portal. Otherwise, you'll earn the default rate (2% - 2.5%) for everyday spend on this card.

+4 more
Card Details Learn How to Apply
link The Business Platinum Card® from American Express image
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(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

The Business Platinum Card® from American Express

Annual fee:
$695 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

120,000 Membership Rewards points when you spend $15,000 within 3 months. Terms apply.

A high-end travel rewards card for small business owners, full of generous perks and credits - and, of course, Centurion Lounge access.

Bonus points for spend in the following categories:

5x Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

+4 more
Card Details Learn How to Apply
link American Express® Business Gold Card image
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(4.3)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

American Express® Business Gold Card

American Express is an Advertising Partner
Annual fee:
$295 Introductory Annual Fee for the first year, then $375 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply.

A great card for a small business owner with a lot of business spend. 4X points on a wide range of popular business spend categories where you spend the most each billing cycle can really add up!

Bonus points for spend in the following categories:

4x Advertising (Online / TV / Radio)

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x Cellular Phone Service

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

+7 more
Card Details Learn How to Apply
link Capital One Spark Miles for Business image
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(4.1)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Spark Miles for Business

Annual fee:
$0 Introductory Annual Fee for the first year, then $95
Min credit score:
Good (670-739) *

Bonus Offer

Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

A solid business credit card for earning 2X Capital One miles on all of your business spend.

Bonus points for spend in the following categories:

5x Car Rentals

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

5x Hotels

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.

+1 more
Card Details Learn How to Apply
link Capital One Spark Cash Select Review image
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(4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Capital One Spark Cash Select Review

Annual fee:
$0
Min credit score:
Excellent (800-850) *

Bonus Offer

$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening

This business credit card offers 1.5% on all purchases with no annual fee.

Bonus points for spend in the following categories:

5x Car Rentals

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

5x Hotels

5% cash back on hotels and rental cars booked through Capital One Travel; 1X miles per dollar otherwise.

+1 more
Card Details Learn How to Apply
link The Blue Business® Plus Credit Card from American Express image
YBCC Card Rate Stars Filled
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(4.3)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

The Blue Business® Plus Credit Card from American Express

American Express is an Advertising Partner
Annual fee:
$0 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

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.

The Blue Business Plus Credit Card from American Express is an excellent credit card for small business owners, helping you maximize your everyday business purchases with no credit limit or annual fee to worry about.

Bonus points for spend in the following categories:

2x Advertising (Online / TV / Radio)
2x Advertising on Search Engines and Social Media
+19 more
Card Details Learn How to Apply
link The American Express Blue Business Cash™ Card image
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

The American Express Blue Business Cash™ Card

American Express is an Advertising Partner
Annual fee:
$0 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

For those looking for a simple 2% cash back Amex business credit card. (Up to $50,000 a year; 1% thereafter)

Bonus points for spend in the following categories:

2x Advertising (Online / TV / Radio)
2x Advertising on Search Engines and Social Media
+21 more
Card Details Learn How to Apply
link World of Hyatt Business Credit Card image
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(4.2)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

World of Hyatt Business Credit Card

Annual fee:
$199
Min credit score:
Good (670-739) *

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

For small business owners loyal to Hyatt, this credit card will earn you valuable elite night credits towards top tier Globalist status and give you a wide range of benefits tailored to your needs.

Bonus points for spend in the following categories:

4x Hotels

Only at Hyatt family hotels booked directly. 1X on other hotels.

2x Gym Memberships
+10 more
Card Details Learn How to Apply
link IHG One Rewards Premier Business Credit Card image
YBCC Card Rate Stars Filled
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(4.4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

IHG One Rewards Premier Business Credit Card

Annual fee:
$99
Min credit score:
Good (670-739) *

Bonus Offer

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months

The business credit card for IHG hotel frequent guests

Bonus points for spend in the following categories:

10x Hotels

10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.

5x Advertising on Search Engines and Social Media
+7 more
Card Details Learn How to Apply
link United℠ Business Card image
YBCC Card Rate Stars Filled
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(4)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

United℠ Business Card

Annual fee:
$0 Introductory Annual Fee for the first year, then $99
Min credit score:
Good (670-739) *

Bonus Offer

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

A terrific business credit card that gives you the chance to earn United miles and gives you access to frequent flyer perks, like a free first checked bag and two United Club passes every year.

Bonus points for spend in the following categories:

2x Airfare
2x Dining Out / Food Delivery
+4 more
Card Details Learn How to Apply
link The Hilton Honors American Express Business Card image
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(3.8)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

The Hilton Honors American Express Business Card

American Express is an advertising partner.
Annual fee:
$95 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Terms Apply.

For business owners that often stay at Hilton portfolio family hotels and resorts.

Bonus points for spend in the following categories:

12x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

6x Airfare
+6 more
Card Details Learn How to Apply
link Marriott Bonvoy Business® American Express® Card image
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(3.9)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Marriott Bonvoy Business® American Express® Card

American Express is an Advertising Partner
Annual fee:
$125 (Rates and fees)
Min credit score:
Good (670-739) *

Bonus Offer

Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.

A staple business credit card for Marriott Bonvoy loyalists looking for elite status perks, room discounts and more.

Bonus points for spend in the following categories:

6x Hotels

6X only applies to Marriott Bonvoy hotels booked directly with Marriott or the hotel. Otherwise, earn 2X.

4x Cellular Phone Service

With U.S. Cellular Providers

+4 more
Card Details Learn How to Apply
link Southwest® Rapid Rewards® Performance Business Credit Card image
YBCC Card Rate Stars Filled
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(4.3)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Southwest® Rapid Rewards® Performance Business Credit Card

Annual fee:
$199
Min credit score:
Good (670-739) *

Bonus Offer

Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.

The go-to card for small business owners who are Southwest frequent travelers.

Bonus points for spend in the following categories:

4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
+2 more
Card Details Learn How to Apply
link Southwest® Rapid Rewards® Premier Business Credit Card image
YBCC Card Rate Stars Filled
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(3.9)

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Southwest® Rapid Rewards® Premier Business Credit Card

Annual fee:
$99
Min credit score:
Good (670-739) *

Bonus Offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

The entry-level card for Southwest small business travelers.

Bonus points for spend in the following categories:

3x Airfare

Earn 3X on Southwest flights booked directly; otherwise earn 1X

2x Car Rentals

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

+3 more
Card Details Learn How to Apply
link Delta SkyMiles® Reserve Business American Express Credit Card image
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(3.9)