Growthink's Best Business Cards

Ink Business Cash® Credit Card

Our rating:4.3

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5%: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%: Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%: Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Intro offer: Earn $750 bonus cash back Earn $750 when you spend $6,000 on purchases in the first three months after account opening

Annual fee: $0

Regular APR: 16.74% - 24.74% Variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 2.9
Annual Percentage Rate:: 0.5
Rewards Flexibility:: 3.6
Features:: 2.3
Issuer Customer Experience: 3.6

Highlights

Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months
Regular APR: 16.74% - 24.74% Variable
Intro Balance Transfers APR: N/A

Ink Business Unlimited® Credit Card

Our rating:4.0

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

1.5%: Earn unlimited 1.5% cash back on every purchase made for your business

Intro offer: Earn $750 bonus cash back Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Annual fee: $0

Regular APR: 16.74% - 24.74% Variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.0

Rating methodology

Rewards Value: 3.3
Annual Percentage Rate: 0.5
Rewards Flexibility: 4.1
Features: 2.3
Issuer Customer Experience: 3.6

Highlights

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 Months
Regular APR: 16.74% - 24.74% Variable
Intro Balance Transfers APR: N/A

American Express® Business Gold Card

Our rating:4.4

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Recommended credit

Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

4X: Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
3X: Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X: 1X is earned for other purchases. **

Intro offer: Earn 100,000 points Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Annual fee: $375

Regular APR: 17.74% - 28.49% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 2.7
Annual Percentage Rate: 0.3
Rewards Flexibility: 3.7
Features: 3.8
Issuer Customer Experience: 4.6

Highlights

Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Rates & Fees

Annual Fee: $375
Intro Purchase APR: N/A
Regular APR: 17.74% - 28.49% Variable
Intro Balance Transfers APR: N/A

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

6%: Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%).
6%: Earn 6% cash back on select U.S. streaming subscriptions.
3%: Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases.
1%: Earn 1% cash back on other purchases.

Intro offer: Earn $250 Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95.

Regular APR: 19.49%-28.49% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Highlights

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49% - 28.49%.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.49%-28.49% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

The Business Platinum Card® from American Express

Our rating:4.9

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Rewards rate

5X: Earn 5X points on flights and prepaid hotels on AmexTravel.com.
2X: Enhanced! Earn 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X: Earn 1X points on other eligible purchases.

Intro offer: Earn 200,000 Membership Rewards® points Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.

Annual fee: $895

Regular APR: 17.74% - 28.49% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 1.0
Rewards Flexibility: 3.0
Features: 5.0
Issuer Customer Experience: 5.0

Highlights

Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $895
Intro Purchase APR: N/A
Regular APR: 17.74% - 28.49% Variable
Intro Balance Transfers APR: N/A

The American Express Blue Business Cash™ Card

Our rating:4.3

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Rewards rate

2%: Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year.
1%: Earn 1% cash back on all eligible purchases thereafter. Cash back earned is automatically credited to your statement.

Intro offer: $250 statement credit Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

Annual fee: No annual fee

Regular APR: 16.74% - 26.74% Variable

Recommended credit: Good to Excellent CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 5.0
Features: 4.0
Issuer Customer Experience: 5.0

Highlights

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 16.74% - 26.74% Variable
Intro Balance Transfers APR: N/A

Revenued Business Card

Our rating:2.7

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: None

Regular APR: Factor Based

Recommended credit: 300-670 (Bad to Fair) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.7

Rating methodology

Rewards Value: 1.0
APR: 1.0
Rewards Flexibility: 0.0
Features: 3.0

Highlights

Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
No origination fees, maintenance fees, or draw fees
As your revenue increases, your spending limit increases
Access cash on demand with funds deposited straight into your bank account via the Flex Line
Approvals based on your business revenue and not personal credit
24/7 access to business funding - via mobile app and Visa business card
Rated Excellent on Trustpilot with 800+ reviews

Rates & Fees

Annual Fee: None
Intro Purchase APR: None
Regular APR: Factor Based
Intro Balance Transfers APR: None

Capital One Spark Miles for Business

Our rating:4.2

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Rewards rate

2X miles: 2 miles per $1 on every purchase, everywhere
5X miles: 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One's travel booking site

Intro offer: Earn 50,000 miles Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Annual fee: $95, waived first year

Regular APR: 24.49% variable

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.2

Rating methodology

Rewards Value: 3.9
Annual Percentage Rate: 0.0
Rewards Flexibility: 5.0
Features: 3.0
Issuer Customer Experience: 4.0

Highlights

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Receive up to a $120 credit for Global Entry or TSA PreCheck®
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Top rated mobile app

Rates & Fees

Annual Fee: $0 intro for first year; $95 after that
Intro Purchase APR: N/A
Regular APR: 24.49% (Variable)
Intro Balance Transfers APR: N/A

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