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How to Apply for Business Credit Cards

Business Credit Cards: Are You Eligible?

If you have a full on business with an EIN, then obviously yes, you can get a business credit card. Skip to the cards. But what if you don’t?

1) You do need to conduct business outside of a day job to get business credit cards. You are not eligible if you have a salaried position and no other income.

2) A side hustle counts. If you consult on the side, then you qualify for a business credit card. If you sell things on eBay or Craigslist, you qualify. If you sell goods or services anywhere, you qualify!

3) Note that if you do not have a registered business name and an EIN, you must apply in a very specific way, described below. Pay careful attention or you will be declined for a business credit card. 

Apply as follows:
  • Your business name is just your real name. If you are “Jim Smith” on your personal credit cards, then put “Jim Smith” as your name and “Jim Smith” again as your Business name. DO NOT MAKE UP A BUSINESS NAME.
  • Your Tax ID number is your Social Security Number.
  • Your business income will be the amount you make or expect to make from your side business.
  • Do *not* include other income (such as investment income) etc, unless it is part of your business.

And if you have any questions at all, click the Live Chat button below.

Below are some of the best business credit cards. How are the cards ordered? We base our ratings on the value of the points of each business credit card by the amount of the bonus. Pretty simple!

Advertiser Disclosure: 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. Commissions do not affect or prioritize placement within our 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.

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22 Cards Available:

Credit card
Estimated Bonus Value :

$2,040

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Annual Fee: $595

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Estimated Bonus Value :

$2,040

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. (Annual fee increases to $695 for applications received after Jan 12, 2022.) Terms apply. (Rates and Fees).

A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points. It earns:

  • 5X Membership Rewards points on flights and prepaid hotels booked via AmexTravel
  • 1.5X Membership Rewards points on any single purchase that is over $5,000
  • 1.5X Membership Rewards at Construction material and hardware suppliers, Electronic goods retailers and software & at cloud system providers, and with Shipping providers
  • 1X Membership Rewards points on everything else

(1.5X purchases are capped at $2,000,000 in spend per calendar year.)

Card Benefits

  • Hilton Gold status (enrollment required)
  • Marriott Gold status (enrollment required)
  • Receive up to $100 as a statement credit every 4 years after you apply for Global Entry or every 4.5 years for TSA Pre✔®
  • Access to the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access (enrollment required)
  • Fine Hotels and Resorts benefits
  • $200 airfare credit for incidentals like luggage fees on your chosen airline. (enrollment required). Terms apply.
  • $200 in Dell statement credits twice annually, up to $400 total (Jan-June and July-Dec; Enrollment required / terms apply).
  • Up to $120 a year in wireless credits; up to $10 per month, Enrollment required / terms apply.
  • Up to $360 in Indeed credits ($90 per quarter; enrollment required, Terms Apply)
  • Up to $150 in credits with Adobe on annual prepaid plans for eligible Creative Cloud for teams and Acrobat Pro DC with e-sign, enrollment required, Terms Apply.
  • Up to $179 in fee credits for a CLEAR® airport security service plan. (Enrollment required; credit is a statement credit.)

Note: When displaying Estimated Rewards Values and calculations, this card is factoring in airline and hotels at 5x. This requires booking at AmexTravel.com and, if you do not, your earned rewards will change. Hotel bookings made via AmexTravel will generally not earn points or elite benefits.

Offer: 120,000 Membership Rewards points when you spend $15,000 within 3 months. (Annual fee increases to $695 for applications received after Jan 12, 2022.) Terms apply. (Rates and Fees).
Credit card
Estimated Bonus Value :

$1,350

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Annual Fee: $125

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Estimated Bonus Value :

$1,350

Offer: Earn 125,000 points plus two Free Night Awards worth 50,000 points each (This equates to a Category 6 Off Peak or Standard room or a Category 7 Off Peak room.) Terms apply. (Rates and Fees)

Earn Marriott Bonvoy points with the Marriott Bonvoy Business™ American Express® Card for all purchases.

Earn 6x for stays at Marriott; 4x at U.S. restaurants, U.S. gas stations, with U.S. shipping companies, and wireless telephone service from U.S. providers; and 2x everywhere else.

Get a free night award, silver status, and 15 elite credits annually. Terms apply.

If you stay at Marriott properties often, this card will offer a nice return on your spend on-property. The 15 elite nights annually can help you get to the next elite level. In fact, if you also have a personal Bonvoy credit card, you can earn 15 elite nights annually on each card - for a total of 30 per year.

Note: For the purposes of calculating your points and expected value, we assume all of your spend at "Hotels" will be at Marriott properties. You will only earn 2x points instead of 6x for spend at non-Marriott properties meaning that your Estimated Rewards Value would be lower than indicated.

Offer: Earn 125,000 points plus two Free Night Awards worth 50,000 points each (This equates to a Category 6 Off Peak or Standard room or a Category 7 Off Peak room.) Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,190

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Annual Fee: $295

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Estimated Bonus Value :

$1,190

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)

The American Express® Business Gold card is a powerful earner for business owners with high spend on the included bonus categories.

You will earn 4 points per dollar on any 2 out of 6 categories, automatically selected each calendar month based on which ones you spent the most on, up to $150,000 per year. Terms apply.

Categories include airfare purchased directly with airlines, US advertising and media, US gas stations, US hardware/software/cloud computing services, US restaurants, and US shipping.

Our page on the Amex Business Gold Card has the American Express definition of hardware, software, and cloud computing merchants.

Also, get a 25% rebate on airfare booked American Express Travel using Membership Rewards. Applies to all First/Business Class tickets and economy tickets with your one selected airline.

Offer: Earn 70,000 Membership Rewards points when you spend $10,000 within first 3 months. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$1,080

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Annual Fee: $250

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Estimated Bonus Value :

$1,080

Offer: Earn 90,000 SkyMiles, 10,000 Medallion® Qualification Miles (MQMs), + receive a $100 statement credit when you spend $3,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)

With the Delta SkyMiles® Platinum Business American Express Card you'll get an annual main cabin "Buy One, Get One" companion certificate, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Business Platinum Bonus Categories

  • Earn 3X miles on Delta purchases.
  • Earn 3X miles on hotels (purchased directly with the hotel - much better than when you have to use a booking portal!)
  • Earn 1.5 miles on purchases of $5,000 or more, up to 50,000 miles per year.

Additional Amex Delta Business Platinum Benefits

  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.
  • Buy One, Get One Companion Certificate on select fares.
  • $39 Delta SkyClub per-visit lounge access.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 90,000 SkyMiles, 10,000 Medallion® Qualification Miles (MQMs), + receive a $100 statement credit when you spend $3,000 in your first 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)
Credit card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$975

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Annual Fee: $99

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Estimated Bonus Value :

$975

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Gain access to Reduced Mileage Awards for up to 7,500 miles off rotating origins and destinations each month.

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card
Estimated Bonus Value :

$960

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Annual Fee: $550

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Estimated Bonus Value :

$960

Offer: Earn 80,000 SkyMiles, 20,000 Medallion® Qualification Miles (MQMs), + a $200 statement credit when you spend $5,000 within 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)

The Delta SkyMiles® Reserve Business American Express Credit Card offers an annual companion certificate in any cabin class and Delta Sky Club Access + Centurion Lounge, plus your first checked bag free and priority boarding on Delta.

Earn bonus Medallion Qualifying Miles (MQMs) and bonus miles at tiered spending thresholds. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.

Delta Reserve Bonus Categories

  • Earn 3X miles on Delta purchases

Additional Delta Reserve Benefits

  • Complimentary Delta Upgrades: For those without Delta Medallion Elite status, you will still be eligible for complimentary domestic upgrades after all elite members have cleared.
  • Additionally, Reserve cardholders with status get upgrade list priority over members at the same Medallion tier without the Reserve card
  • Annual domestic companion certificate in any class, including First and Business (This can be an amazing value, especially on a Delta One transcontinental flight).
  • $100 statement credit every 4 years for Global Entry or an $85 statement credit for TSA Pre✓® every 4.5 years.

Terms apply.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 80,000 SkyMiles, 20,000 Medallion® Qualification Miles (MQMs), + a $200 statement credit when you spend $5,000 within 3 months. Offer expires 11/10/2021. Terms apply. (Rates and Fees)
Credit card
Estimated Bonus Value :

$900

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Annual Fee: $95

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Estimated Bonus Value :

$900

Offer: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)

Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases. Terms apply.

Also, you'll receive 10 free airport lounge visits each year with included free Priority Pass Select membership. (Enrollment required.)

Earn bonus points on select business and travel categories: gas stations, wireless telephone service, shipping, restaurants, flights booked direct, and car rentals booked direct.

Note: Estimated Rewards Values shown throughout this site assume your hotel spend will be at Hilton brand hotels and resorts. If you have additional hotel spend not associated with Hilton, your actual return will be lower.

Offer: Earn up to 180,000 Hilton Honors bonus points: Earn 130,000 points when you spend $2,000 in your first 3 months. Then earn an extra 50,000 points after you spend a total of $10,000 in your first 6 months. Terms apply. (Rates and Fees)
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Capital One Spark Miles for Business

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$750

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Annual Fee: $95

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Estimated Bonus Value :

$750

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

This business card offers 2x on all purchases and 5X miles on hotel and rental car booked via Capital One Travel.

Use these miles as a purchase eraser at 1 cent per point, or transfer them to a range of airlines at the ratio of 2:1.5, which equals 1.5 airline miles per dollar spent.

It also has a $100 credit for Global Entry or PreCheck once every 5 years.

NOTES:

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a purchase eraser, the early spend bonus value will be $500, exactly.

2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: $500 when you spend $4,500 in 3 months

This no-fee business card offers 1.5% cash back on all purchases.

Offer: $500 when you spend $4,500 in 3 months
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $3,000 in your first 90 days

The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.

You also get a 25% bonus each anniversary of your prior year's rewards, up to $250.

There's no annual fee, no foreign transactions fees, and it offers complimentary secondary cell phone protection.

Offer: Get $500 when you spend $3,000 in your first 90 days
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $0

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Estimated Bonus Value :

$500

Offer: Get $500 when you spend $4,500 in your first 150 days

The U.S. Bank Triple Cash Rewards Visa® Business Card is a new small business credit card that offers a great 3% cash back at gas stations, office supplies or cell phone service or at restaurants.

You will earn 3% cash back on all four of these categories with no cap.

No annual fee.

Offer: Get $500 when you spend $4,500 in your first 150 days
Credit card

Capital One Spark Cash Plus

Annual Fee: $150

Estimated Bonus Value :

$500

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Annual Fee: $150

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Estimated Bonus Value :

$500

Offer: Earn up to up to $1,000: $500 once you spend $5,000 in the first three months, and an additional $500 once you spend $50,000 in the first six months

The new Capital One Spark Cash Plus replaces the older Spark Cash card and earns 2% cash back on everything. The primary difference is that the new Spark Cash Plus is a charge card with no preset spending limit, making it ideal for companies that spend a lot on their cards and tend to run into issues with credit limits. 

Offer: Earn up to up to $1,000: $500 once you spend $5,000 in the first three months, and an additional $500 once you spend $50,000 in the first six months