Best Business Credit Cards

Here are the best business credit card offers:

Sapphire Reserve for Business℠

Elevate Your Business Travel with the Chase Sapphire Reserve^® Business Card

80,000 bonus points after $5,000 in purchases within your first 3 months
3× points on travel and dining
1.5× points on all other purchases
$300 annual travel credit—automatically applied to any travel purchase
$120 Global Entry/TSA PreCheck^® credit every four years
Unlimited lounge access through Priority Pass™ Select and the Chase Sapphire Lounges ℠
No foreign transaction fees
$550 annual fee

Designed for small‑business owners who demand premium perks, the Sapphire Reserve^® Business card turbocharges your points on every trip and meal, then offsets its cost with robust travel credits. Manage employee cards at no extra cost, pool rewards instantly, and tap into concierge service and enhanced trip protections—trip cancellation, baggage delay and more—to keep your team moving smoothly. Redeem your points flexibly for flights, hotels, transfers to leading airline and hotel partners, or statement credits against any purchase.

Terms apply. Bonus requires qualifying spend. Travel credit applies on travel-related charges. Credits and benefits require enrollment where applicable. See issuer for complete details.

Ink Business Unlimited® Credit Card

Power Your Business with the Chase Ink Business Unlimited℠ Credit Card

$750 bonus cash back after spending $6,000 on purchases within the first 3 months of account opening
1.5% unlimited cash back on every purchase, with no caps or category tracking
0% intro APR on purchases for 12 months to finance big expenses interest‑free
No annual fee and free employee cards with customizable spending limits
3% foreign transaction fee on purchases made abroad

Whether you’re stocking inventory, paying vendors or covering travel costs, earn a flat 1.5% back on every dollar without the hassle of bonus categories. Enjoy a generous welcome offer, a long 0% APR period to smooth out cash flow, and seamless account management in the Chase Mobile^® app. Combine your cash back with other Chase business cards to boost your rewards earning even further.

Terms apply. Bonus cash back awarded after meeting the spend requirement. Regular APR applies after intro period. See issuer’s site for full details.

The Business Platinum Card® from American Express

Supercharge Your Business Travel with the American Express^® Business Platinum Card

5X Membership Rewards^® points on flights and prepaid hotels booked through AmexTravel.com
1.5X points on eligible purchases in key business categories or on spends of $5,000 or more
1X point on all other purchases
Up to $200 Hilton statement credit (enroll) and up to $209 CLEAR^® Plus credit annually
Complimentary access to 1,400+ lounges worldwide via the American Express Global Lounge Collection^®
Complimentary Gold status with both Hilton Honors^® and Marriott Bonvoy^® (enroll)
Fine Hotels + Resorts^® perks—daily breakfast, upgrades and late checkout at luxury properties
No foreign transaction fees
$695 annual fee

Tailored for entrepreneurs on the move, this card turns travel and large business expenses into valuable rewards and VIP privileges. Earn enhanced points on airfare and accommodations, then offset your fee with generous hotel and security‑through‑security credits. Take advantage of automatic elite hospitality benefits, seamless enrollment in premium lounge networks, and unmatched concierge services. With flexible point redemptions across travel, statement credits and more, the Business Platinum Card ensures every trip delivers maximum return.

Terms apply. Enrollment required for select benefits and statement credits; see issuer for details.

American Express Business Gold Card

Unlock Customized Rewards with the American Express Business Gold Card

100,000 Membership Rewards^® points after $15,000 in purchases within the first 3 months
4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
1X point on all other purchases
$20 statement credits each month for eligible U.S. spending at FedEx, Grubhub and office supply stores (up to $240 per year)
$12.95 monthly credit for Walmart+ membership (enrollment required)
$375 annual fee

Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.

Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.

Citi® / AAdvantage Business™ World Elite Mastercard®

Unlock Premier American Airlines Benefits with the Citi^® / AAdvantage Business™ World Elite Mastercard^®

65,000 bonus miles after you spend $4,000 in the first 4 months
2X AAdvantage^® miles per $1 on American Airlines purchases, gas stations and restaurants
1X mile per $1 on all other purchases
No foreign transaction fees
First checked bag free for you and up to four companions (save up to $40 per bag, per flight)
Preferred boarding on American Airlines flights
25% savings on in‑flight food and beverages

Whether you’re a frequent flyer or an occasional traveler, this card turns everyday spending into award flights faster. Enjoy a generous sign‑up bonus to boost your mileage balance, plus bonus earning on travel, dining and gas. With built‑in perks like free checked bags, priority boarding and in‑flight savings, you’ll spend less on fees and more time enjoying your journey. Manage your miles and benefits seamlessly in the Citi Mobile^® app and start unlocking premium AA advantages today.

Annual fee $99 (waived first year). Offer requires qualifying spend. See full terms and conditions for details.

The New United℠ Business Card

Optimize Your United Flying with The New United℠ Business Card

100,000 bonus miles + 2,000 Premier Qualifying Points after $5,000 in purchases within 3 months
2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
1X mile on all other purchases
Free first checked bag for you and a companion on United flights
Two United Club one-time passes each year
Priority boarding for you and your traveling party
$125 United travel credit after five $100 United flight purchases per calendar year
Employee cards at no additional cost, with miles pooled into your account
No foreign transaction fees
$150 annual fee

Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

Delta SkyMiles® Reserve American Express Card

Elevate Your Delta Experience with the Delta SkyMiles^® Reserve American Express Card

70,000 bonus miles after $5,000 in purchases within 6 months
3X miles on eligible Delta purchases; 1X mile on all other spend
15 Delta Sky Club^® visits per Medallion^® year, plus unlimited access after $75,000 spend and four annual guest passes
Centurion^® Lounge access when you book a Delta flight
2,500 MQD head start each year + 1 MQD per $10 in card spend toward elite status
$240 Resy^® credit ($20/month) & $120 rideshare credit ($10/month)
15% off award travel when you use miles to book flights
Priority boarding and free first checked bag for you and up to eight companions
$650 annual fee; no foreign transaction fees

This premium card is built for Delta loyalists who want luxury perks and a fast track to elite status. From lounge access and companion privileges to monthly statement credits and accelerated MQDs, every benefit is tailored to enhance your travel. Manage your account and track rewards seamlessly in the AmEx app—then sit back, relax, and let your card take you further.

Terms apply. See American Express for complete details and eligibility.

FAQs About Business Credit Cards

What makes a business credit card different from a personal one?

Business credit cards are designed to support company-related expenses. While they function like personal cards, they often include perks like bonus rewards on office supplies or software subscriptions. Some also offer tools for expense tracking and employee cards.

Can I qualify for a business credit card without owning a formal company?

Yes. If you’re self-employed, freelance, or run a side hustle, you can often apply as a sole proprietor using your Social Security number. Issuers usually base approval on your personal credit score and overall financial profile.

Is it okay to use a business credit card for personal expenses?

Technically, you could — but it’s discouraged and usually against the card’s terms. Mixing personal and business expenses can create tax headaches and muddy your financial records. It’s best to keep your business card strictly for work-related purchases.

Will my business credit card impact my personal credit?

It depends on the issuer. Some business cards report activity to personal credit bureaus, especially if payments are late or the account defaults. To protect your credit, always pay on time and monitor your balances — whether personal or business.

How many business credit cards can I hold at once?

There’s no hard limit to the number of business credit cards you can have. Some business owners hold multiple cards to maximize bonus categories, access different travel benefits, or separate expenses by project or team.

How can I check my business credit score?

You can check your business credit through agencies like Dun & Bradstreet, Experian Business, or Equifax. Some services are free but limited, while others offer detailed reports for a fee. Monitoring your business score is essential for long-term financial credibility.

What’s better for my company: a credit card or a line of credit?

A business credit card is ideal for everyday expenses and earns rewards, while a business line of credit provides access to larger, revolving capital — often with fewer perks. For short-term purchases, cards are great; for cash flow or emergencies, a LOC may be better.

Can I refer someone to a business card if I only have personal cards?

Some issuers allow referrals across card types, meaning you might earn a bonus for referring someone to a business card even if you only hold a personal card. Check the referral terms in your account dashboard or ask your issuer directly.

How do I choose the best business credit card for my needs?

Think about your biggest expenses: travel, advertising, shipping, or dining. Then look for a card that rewards those categories. Also consider whether you want travel rewards, cash back, or tools to simplify your accounting or employee spending.