Select Page

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.

Card Category

Filter By

22 Cards Available:

Credit card
Estimated Bonus Value :

$2,400

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$2,400

Offer: Up to 200,000 miles! Get 50,000 Capital One miles when you spend $5,000 in your first 3 months and an additional 150,000 miles when you spend $50,000 total within your first 6 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 or $2,000, depending on which early spend bonuses you qualify for, 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.

Offer: Up to 200,000 miles! Get 50,000 Capital One miles when you spend $5,000 in your first 3 months and an additional 150,000 miles when you spend $50,000 total within your first 6 months
Credit card

Spark Cash from Capital One

Annual Fee: $95

Estimated Bonus Value :

$2,000

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$2,000

Offer: Up to $2,000! Get $500 when you spend $5,000 in your first 3 months and an additional $1,500 when you spend $50,000 total within your first 6 months

This business card offers 2% cash back on all purchases.

Offer: Up to $2,000! Get $500 when you spend $5,000 in your first 3 months and an additional $1,500 when you spend $50,000 total within your first 6 months
Credit card
Estimated Bonus Value :

$1,700

Calculator

Annual Fee: $595

Calculator
Estimated Bonus Value :

$1,700

Offer: Up to 100,000 Membership Rewards points: Spend $10,000 in 3 months for 50,000 bonus points. Spend an additional $15,000 in 3 months for an additional 50,000 points.

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, 10 in-flight Gogo Wifi passes, 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) and a free year of WeWork Platinum Access.

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: Up to 100,000 Membership Rewards points: Spend $10,000 in 3 months for 50,000 bonus points. Spend an additional $15,000 in 3 months for an additional 50,000 points.
Credit card
Estimated Bonus Value :

$1,400

Calculator

Annual Fee: $95

Calculator
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 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.

Complimentary cell phone insurance when you pay your cell phone bill with this card. 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 :

$1,300

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$1,300

Offer: Up to 100,000 Miles: Get 50,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months and 50,000 more bonus miles if you spend $25,000 in total within 6 months.

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. It offers bonus categories of 2x on office supply stores, restaurants, and gas stations, 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.

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.

Offer: Up to 100,000 Miles: Get 50,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months and 50,000 more bonus miles if you spend $25,000 in total within 6 months.
Credit card
Estimated Bonus Value :

$980

Calculator

Annual Fee: $199

Calculator
Estimated Bonus Value :

$980

Offer: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 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.

Offer: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months
Credit card
Estimated Bonus Value :

$875

Calculator

Annual Fee: $0

Calculator
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.

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.

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

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$875

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$875

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

This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services. 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 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 Ultimate Rewards points when you spend $3,000 in your first 3 months
Credit card
Estimated Bonus Value :

$840

Calculator

Annual Fee: $99

Calculator
Estimated Bonus Value :

$840

Offer: 60,000 bonus Southwest Rapid Rewards points when you spend $3,000 within 3 months

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.

Offer: 60,000 bonus Southwest Rapid Rewards points when you spend $3,000 within 3 months
Credit card
Estimated Bonus Value :

$625

Calculator

Annual Fee: $95

Calculator
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 :

$595

Calculator

Annual Fee: $295

Calculator
Estimated Bonus Value :

$595

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months

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.

Offer: Get 35,000 Membership Rewards points when you spend $5,000 within 3 months
Credit card
Estimated Bonus Value :

$525

Calculator

Annual Fee: $125

Calculator
Estimated Bonus Value :

$525

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 :

$480

Calculator

Annual Fee: $450

Calculator
Estimated Bonus Value :

$480

Offer: Get 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months.

Get an annual companion certificate in any cabin class and Delta Sky Club Access, 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.

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.

Offer: Get 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) when you spend $3,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$420

Calculator

Annual Fee: $195

Calculator
Estimated Bonus Value :

$420

Offer: Earn 35,000 SkyMiles plus 5,000 Medallion Qualification Miles (MQMs) when you spend $1,000 in your first 3 months plus get a $100 statement credit if you make a Delta purchase with the card within 3 months.

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.

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.

Offer: Earn 35,000 SkyMiles plus 5,000 Medallion Qualification Miles (MQMs) when you spend $1,000 in your first 3 months plus get a $100 statement credit if you make a Delta purchase with the card within 3 months.
Credit card
Estimated Bonus Value :

$360

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$360

Offer: Get 30,000 SkyMiles when you spend $1,000 within 3 months plus a $50 statement credit when you make a Delta purchase with the card within your first 3 months.

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.

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.

Offer: Get 30,000 SkyMiles when you spend $1,000 within 3 months plus a $50 statement credit when you make a Delta purchase with the card within your first 3 months.
Credit card
Estimated Bonus Value :

$255

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$255

Offer: 15,000 bonus Membership Rewards points when you spend $5,000 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.

Offer: 15,000 bonus Membership Rewards points when you spend $5,000 in 3 months
Credit card
Estimated Bonus Value :

$255

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$255

Offer: 15,000 bonus Membership Rewards points when you spend $3,000 within your first 3 months

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:

Offer: 15,000 bonus Membership Rewards points when you spend $3,000 within your first 3 months
Credit card
Estimated Bonus Value :

$240

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$240

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 months

This no-fee business card offers 1.5x Capital One miles and 5X miles on hotel and rental car booked via Capital One Travel on all purchases with no annual fee.

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.

NOTE: 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.

Offer: Get 20,000 Capital One miles after you spend $3,000 within the first 3 months
Credit card
Estimated Bonus Value :

$200

Calculator

Annual Fee: $0

Calculator
Estimated Bonus Value :

$200

Offer: $200 when you spend $3,000 in 3 months

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

Offer: $200 when you spend $3,000 in 3 months
Credit card
Estimated Bonus Value :

$0

Calculator