Best Business Credit Cards (2026)
Business credit cards help entrepreneurs and small business owners earn rewards on their business expenses while building business credit history. The best business cards offer elevated rewards on common business categories like office supplies, advertising, shipping, and travel, along with expense management tools and employee card options.
How We Choose These Cards
Our methodology for ranking the best business cards
All card data is verified against issuer websites and updated monthly. Last verified: March 2026. See our advertiser disclosure for details on how we are compensated.
Top 5 Business Credit Cards
Chase Sapphire Preferred® Card
Premium travel rewards card with flexible redemption and valuable transfer partners for maximizing points value.
Bonus Categories
Pros
- 60,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Earn 2x points on travel and dining
- 25% more value when redeeming through Chase Travel
Cons
- $95 annual fee
- High ongoing APR (up to 28.49%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 2x points on travel and dining
- 25% more value when redeeming through Chase Travel
- Transfer points to airline and hotel partners
- Trip cancellation and interruption insurance
- No foreign transaction fees
American Express® Gold Card
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
Bonus Categories
Pros
- 75,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Up to 4x on dining, groceries, flights
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
Cons
- $250 annual fee
- High ongoing APR (up to 28.24%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
Capital One Venture Rewards Credit Card
Simple travel rewards with unlimited 2x miles and flexible redemption options.
Pros
- 75,000 miles welcome bonus (~$750 value)
- No foreign transaction fees
- 2x on all purchases
- Earn 2x miles on every purchase
Cons
- $95 annual fee
- High ongoing APR (up to 29.74%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 2x miles on every purchase
- Redeem miles for travel statement credits
- Transfer miles to airline partners
- No foreign transaction fees
- Global Entry or TSA PreCheck credit
Citi® Double Cash Card
The original 2% cash back everywhere card - simple and effective for maximizing everyday spending.
Chase Freedom Unlimited®
Straightforward unlimited cash back on every purchase with no rotating categories to track.
Tips for Choosing a Business Card
- You do not need an LLC to apply. Sole proprietors and freelancers can use their SSN and legal name.
- Business cards typically do not report to personal credit bureaus, keeping utilization separate.
- Many business cards offer 0% intro APR on purchases for financing startup costs.
- Use employee cards to earn rewards on all company spending in one account.
- Business card welcome bonuses are often larger than personal card offers.
Frequently Asked Questions
Related Categories
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