Best 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:
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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.
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Your Tax ID number is your Social Security Number.
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Your business income will be the amount you make or expect to make from your side business.
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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:
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
The Chase Ink Preferred card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.
If your business spends a lot in any of these categories, you can earn a ton of points.
It also earns 5X Ultimate Rewards points on Lyft rides.
You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.
Southwest Performance Business Credit Card
Annual Fee:
$199
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
Annual Fee:
$199
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,400
This card is all about being half of the one-two card combo needed to earn Southwest Companion Pass for two years with just two credit cards.
In fact, you can qualify for the Southwest Companion Pass in one shot by meeting the bonus offer of spending $25,000 within 6 months.
The premium version of the Southwest Rapid Rewards Premier Business Credit Card, this card offers 9,000 bonus Rapid Rewards points each cardmember anniversary, has multiple spending bonus categories, and includes benefits like 4 upgraded boardings per year, in-flight Wifi credits and Global Entry / PreCheck fee credits.
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,300
Annual Fee:
$99
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,300
Allows for a free checked bag, priority boarding, 2 United Club one-time passes each card anniversary, the Luxury Hotel and Resort Collection, access to United MileagePlus events, and expanded economy award availability.
The United Business Card offers bonus categories of 2x on office supply stores, restaurants, and gas stations, local transit and commuting, including taxicabs, mass transit, tolls, and ride share services as well as on United itself, of course. It also offers 10,000 bonus miles and a PQD waiver upon spending $25,000.
Perhaps best of all, cardholders get access to expanded saver award availability.
Additional benefits:
- $100 annual United travel credit after 7 United purchases over $100
- Receive 5,000 bonus miles each card anniversary if you have both the United Business card and a personal United credit card
- Get 25% back on United inflight purchases
Need to Know: The calculations for this card assume that your "airfare" spend is on United only. If a portion of your airline spend is on other airlines, your reward values will be slightly lower than stated.
Also, if you used our rewards optimizer tool and are seeing this in your results, "Other Travel" refers to local transit and commuting - including taxis, mass transit, tolls, and ride share services.
Bonus Eligibility:
This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.
Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.
Also Note: You will only be approved for a Chase card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.
Business Platinum Card from American Express (Amex)
Annual Fee:
$595
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
Annual Fee:
$595
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,275
A great card for flights and prepaid hotels earning 5x points, and for large expenses over $5,000 for 1.5x points.
Get a suite of benefits that include Gold Hilton status, Gold Marriott status, the American Express Global Lounge Collection which includes Centurion, Delta, and Priority Pass Lounge access, Fine Hotels and Resorts benefits, and a $200 annual incidental airfare credit. You'll also get $100 in free Dell credits twice annually (Jan-June and July-Dec).
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.
Platinum Delta SkyMiles Business Credit Card from American Express
Annual Fee:
$250
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$250
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
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 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.
Delta Reserve for Business Credit Card from American Express
Annual Fee:
$550
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Annual Fee:
$550
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$1,200
Get 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 credit for TSA Pre✓® every 4.5 years.
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.
Chase Ink Unlimited Business Credit Card
Annual Fee:
$0
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$875
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$875
The simplest of the Chase Business cards, it earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points.
It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$875
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$875
This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.
Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.
Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.
Southwest Rapid Rewards Premier Business Credit Card
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
Annual Fee:
$99
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
Useful in conjunction with a personal card to get the Southwest Companion Pass. Get 6,000 Rapid Rewards points every card anniversary. Earns 2x points on Southwest purchases.
Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.
Gold Delta SkyMiles Business Credit Card from American Express
Annual Fee:
$99
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
Annual Fee:
$99
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$840
Get your first checked bag free and priority boarding on Delta. Spending $25,000 in a year on this card will waive the MQDs requirement for Medallion qualification up to Platinum status.
Gold Delta SkyMiles Business Credit Card Earn Rate
- 2X Delta SkyMiles on Delta purchases
- 2X miles on shipping
- 2X miles on restaurants worldwide
- 2X miles on advertising in select media (online, TV)
- 1X miles on everything else
New Delta Flight Benefit
Get a $100 Delta credit towards a flight when you have spent $10,000 in a calendar year.
NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Delta and is therefore counted at 2x 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.
Hilton Honors American Express Business Card
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$625
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$625
Get Hilton Honors Gold Status, earn Free Weekend Night Awards based on annual spend, and earn Hilton Honors points on all purchases.
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.
Capital One® Spark® Miles for Business
Annual Fee:
$95
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$600
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.
American Express Business Gold Card
Annual Fee:
$295
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$595
Annual Fee:
$295
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$595
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.
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.
Also, get a 25% rebate on airfare paid on points with your card.
Marriott Bonvoy Business American Express Card
Annual Fee:
$125
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This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$525
Annual Fee:
$125
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$525
Earn Marriott Bonvoy points for all purchases. Earn 6x for stays at Marriott; 4x at restaurants, gas stations, shipping, and wireless telephone service; and 2x everywhere else. Get a free night award, silver status, and 15 elite credits annually.
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.
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.
Capital One® Spark® Cash for Business
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$500
This business card offers 2% cash back on all purchases, with no bonus categories to remember.
We know a lot of people that want the simplicity of having one card for all expenses with no bonus categories to remember.
One additional hidden benefit of this card is that if you also have the Capital One Spark Miles for Business credit card, you can accumulate cash back on this card and, if you choose, transfer to your Spark Miles account to transfer out to Capital One airline partners.
Business Green Rewards Card from American Express
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$255
Annual Fee:
$95
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$255
This card earns 2X Membership Rewards points on all purchases made through the American Express Travel website.
Earns 1X points on everything else.
Until this card gets its benefits refreshed like many other Amex cards have been recently, we recommend these other credit cards that earn Membership Rewards points:
Capital One® Spark® Miles Select for Business
Annual Fee:
$0
Close X
This is the Estimated Value that you can expect to earn from the Bonus Offer this card. It represents an average value based on you knowing a bit about the rewards program and the best ways to use the points. The value is based on our miles and points values, explained in detail here. It is not the minimum possible value nor a guaranteed return. You can also click the calculator icon to see how the values for this card are calculated.$240