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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:
  • 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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8 Cards Available:

Credit card
Estimated Bonus Value :

$1,445

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Annual Fee: $595

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Estimated Bonus Value :

$1,445

Offer: 85,000 Membership Rewards points when you spend $20,000 within 3 months

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.

Offer: 85,000 Membership Rewards points when you spend $20,000 within 3 months
Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,400

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Annual Fee: $95

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Estimated Bonus Value :

$1,400

Offer: Get 80,000 Ultimate Rewards points as a bonus when you spend $5,000 in your first 3 months.

The Chase Ink Preferred credit 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.

Offer: Get 80,000 Ultimate Rewards points as a bonus when you spend $5,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $99

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Estimated Bonus Value :

$1,050

Offer: 70,000 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: 70,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card
Estimated Bonus Value :

$875

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Annual Fee: $0

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Estimated Bonus Value :

$875

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months

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.

0% APR Intro Offer

Get 12 months of 0% Interest on new purchases your new card account for 12 months (Terms apply).

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.

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$625

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Annual Fee: $95

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Estimated Bonus Value :

$625

Offer: Get 125,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months

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.

Offer: Get 125,000 Hilton Honors Bonus Points when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$500

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Annual Fee: $95

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Estimated Bonus Value :

$500

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

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.

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

$450

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Annual Fee: $125

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Estimated Bonus Value :

$450

Offer: Get 75,000 bonus Bonvoy points after spend $3,000 within your first 3 months

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.

Offer: Get 75,000 bonus Bonvoy points after spend $3,000 within your first 3 months
Credit card
Estimated Bonus Value :

$170

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Annual Fee: $0

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Estimated Bonus Value :

$170

Offer: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months

Highly Recommended:

Earn 2x Membership Rewards points on everything - up to $50,000 per year. This is a great card to use when your expense doesn't correspond to a bonus category on any of your other cards.

Intro 0% APR

0% introductory APR on purchases for 12 months  (Terms apply)

Offer: 10,000 bonus Membership Rewards points when you spend $3,000 in 3 months

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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