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Everything You Need
to know about
Small Business Credit Cards

Choosing a small business credit card can be confusing. We’re here to make it simple. And yes, you should definitely have a business credit card to separate your business expenses from your personal expenses!

Business-specific bonus spending categories

Larger credit lines

Minimize impact on personal credit score

No Preset Spending Limit Cards

Built for businesses that need to spend more than an average business, there are credit cards which have no preset spending limit.
Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive a commission from card issuers. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank 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 has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

It doesn’t mean no limit at all, but as you build history with the card and make on time payments, you will generally be allowed to charge more and more over time, giving you more flexibility.

American Express cards are the most well known for this but as you can see from the cards below, there are also offerings from Capital One.

American Express often (but not always!) offers you an instant card number so you can start making charges right away.

Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive a commission from card issuers. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank 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 has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
See 8+ Cards with No Preset Spending Limit
Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image
Learn How to Apply
Card Details

Chase Sapphire Reserve for Business℠

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(4.5) Our Review

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.
Annual Fee:
$795

☝ Increased Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there’s no competition.
Learn How to Apply
Card Details

💡 Need to Know

Chase’s first foray into the luxury business credit card market is a big one. It’s meant for heavy spending businesses and is a Pay in Full Card with built-in flexibility to access the credit line through Flex for Business. It’s also a killer card for social media and search engine advertising with a 3X multiplier on unlimited spend.

See More Business Credit Cards with a Bonus Multiplier for Advertising
Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
Learn How to Apply
Card Details

Chase Ink Business Cash® Credit Card

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(4.8) Our Review

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.
Annual Fee:
$0

🎁 Bonus offer

Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Learn How to Apply
Card Details

💡 Need to Know

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.

See More Business Credit Cards with a Bonus Multiplier for Office Supplies
Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
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Card Details

Chase Ink Business Preferred® Credit Card

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(4.6) Our Review

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.
Annual Fee:
$95

🎁 Bonus offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Learn How to Apply
Card Details

💡 Need to Know

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).

See More Business Credit Cards with a Bonus Multiplier for Shipping
Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
Learn How to Apply
Card Details

Chase Ink Business Preferred® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.6) Our Review

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.
Annual Fee:
$95

🎁 Bonus offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Learn How to Apply
Card Details

💡 Need to Know

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).

See More Business Credit Cards with an Airfare Bonus Multiplier

Bonus Categories that Work for Small Business

You’ll find bonus categories (points multipliers for spend on specific categories) tailored towards small businesses.

Here are some common bonus spend categories for small businesses as well as a few of our favorite cards for popular business spending categories:

Your Credit Utilization
Won’t Report to Your Personal Credit File

🔥

This is huge for small business owners with high spend. If you have high balances each month on a personal credit card, it will hurt your personal credit score. While a few business credit cards do report to personal credit, the ones below will not unless you get behind in payments.

Here are some of our favorite Cards that don’t report to personal credit bureaus

Chase Ink Business Preferred® Credit Card

Chase Ink Business Preferred® Credit Card

 Chase Ink Business Cash® Credit Card

Chase Ink Business Cash® Credit Card

 Chase Ink Business Unlimited® Credit Card

Chase Ink Business Unlimited® Credit Card

 The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

 Capital One Spark Cash Plus

Capital One Spark Cash Plus

 Capital One Venture X Business

Capital One Venture X Business

 American Express® Business Gold Card

American Express® Business Gold Card

 The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

 The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

 World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

 Delta SkyMiles® Reserve Business American Express Credit Card

Delta SkyMiles® Reserve Business American Express Credit Card

 The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

 IHG One Rewards Premier Business Credit Card

IHG One Rewards Premier Business Credit Card

 United℠ Business Card

United℠ Business Card

 Chase Ink Business Premier℠ Credit Card

Chase Ink Business Premier℠ Credit Card

 Southwest® Rapid Rewards® Performance Business Credit Card

Southwest® Rapid Rewards® Performance Business Credit Card
View All 20+ Credit Cards

FEATURED OFFER

Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image
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Card Details
🔔 Notify me of bonus offer changes

Chase Sapphire Reserve for Business℠

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) Our Review

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.
Annual Fee:
$795

☝ Increased Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there’s no competition.
Learn How to Apply
Card Details
🔔 Notify me of bonus offer changes

💡 Need to Know

Chase’s first foray into the luxury business credit card market is a big one. It’s meant for heavy spending businesses and is a Pay in Full Card with built-in flexibility to access the credit line through Flex for Business. It’s also a killer card for social media and search engine advertising with a 3X multiplier on unlimited spend.

Higher Welcome Bonuses

Because small businesses tend to spend more than consumers, credit card companies are willing to offer you more incentives to sign up for their card over a another – meaning welcome bonus offers that often exceed $1,000 in value.

You’ll also need to spend more within a certain timeframe than you would on a consumer card, but if you have the spend to make anyway, this is an added bonus!

Explore Business Credit Cards
Explore Business Credit Cards

Don’t Have a Business Tax ID?
No Problem!

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?

  • 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.

  • 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!

  • 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 your real name.
If you are “Jim Smith” on your personal credit cards, use “Jim Smith” 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 from your side business.

Do *not* include other income
(such as investment income, etc) unless it is part of your business.

Explore Business Credit Cards

More Questions?

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You can use our contact form to contact us about sponsorship opportunities, if you have questions of comments for Dave, if you are a member of the press seeking comment or insight, or if you have questions about any of the cards on this site.

Contact us

Do business credit cards report to personal credit bureaus?

    In most cases, no – but there are exceptions. See this section for business credit cards that do not report to your personal credit file. Note that if you are delinquent on payments with these cards, that will cause it to report the delinquency to your personal credit.

Am I personally responsible for charges on my small business credit card?

    YES!! We can’t believe some of the misinformation out there but every single one of the small business credit cards (which are different from corporate cards that large corporations use) require you to accept full personal liability for all charges when you apply.

Do small business credit cards offer higher credit limits than personal credit cards?

    While we have seen some high limits on personal credit cards, and some like the Platinum Card from American Express have no preset spending limit, but in general business credit cards will offer higher credit limits – especially if you have significant business revenue.

Can I apply for a business credit card without an EIN or TIN?

    YES – you can apply using your Social Security Number if you have valid business income of any size. Follow the steps here.

Can you get an instant business credit card number when approved?

    American Express often (but not always!) offers you an instant card number so you can start making charges right away.

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