NextAdvisor's Recommended Business Credit Cards

Capital One Spark Miles for Business

Our rating:4.2

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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 Miles: 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
2 Miles: 2 Miles per $1 on every purchase, everywhere

Intro offer: 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: 25.74% 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.

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 Travel
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

Rates & Fees

Annual Fee: $0 intro for first year; $95 after that
Intro Purchase APR: N/A
Regular APR: 25.74% (Variable)
Intro Balance Transfers APR: N/A

The American Express Blue Business Cash™ 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

2%: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%: 1% cash back on all eligible purchases after spending $50,000 per calendar year.

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: 17.74% - 25.74% 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.

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, 17.74% – 25.74%, 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 up to $50,000 per calendar year, then 1%. 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: 17.74% - 25.74% Variable
Intro Balance Transfers APR: N/A

Capital One Spark Cash Plus

Our rating:4.7

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Recommended credit

740-850 (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 unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%: Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Intro offer: $2,000 cash back $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year

Annual fee: $150

Regular APR: N/A

Recommended credit: 740-850 (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.

Highlights

Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back

Rates & Fees

Annual Fee: $150
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

The Blue Business® Plus Credit Card from American Express

Our rating:4.1

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Rewards rate

2X: Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

Intro offer: 15,000 Membership Rewards® points Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

Annual fee: No annual fee

Regular APR: 17.74% - 25.74% 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.

Highlights

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
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: 17.74% - 25.74% Variable
Intro Balance Transfers APR: N/A

American Express® Business Gold Card

Our rating:4.4

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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: 18.74% - 27.74% 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.

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.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*
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 now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
*Terms Apply

Rates & Fees

Annual Fee: $375
Intro Purchase APR: 0% on purchases for 6 months from the date of account opening
Regular APR: 18.74% - 27.74% Variable
Intro Balance Transfers APR: N/A

Ink Business Cash® Credit Card

Our rating:4.3

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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 up to $750 bonus cash back Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Annual fee: $0

Regular APR: 17.74% - 25.74% 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.

Highlights

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six 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
Member FDIC

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% Intro APR on Purchases for 12 months
Regular APR: 17.74% - 25.74% Variable
Intro Balance Transfers APR: N/A

The Business Platinum Card® from American Express

Our rating:4.9

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Rewards rate

5X: 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X: Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X: 1X points for each dollar you spend on eligible purchases.

Intro offer: Earn 150,000 points Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Annual fee: $695

Regular APR: 18.74% - 27.74% 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.

Highlights

Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: 18.74% - 27.74% Variable
Intro Balance Transfers APR: N/A

Capital One Spark Miles for Business

Rewards rate

At A Glance

The American Express Blue Business Cash™ Card

Rewards rate

At A Glance

Capital One Spark Cash Plus

Rewards rate

At A Glance

The Blue Business® Plus Credit Card from American Express

Rewards rate

At A Glance

American Express® Business Gold Card

Rewards rate

At A Glance

Ink Business Cash® Credit Card

Rewards rate

At A Glance

The Business Platinum Card® from American Express

Rewards rate

At A Glance