Best Small Business Credit Cards for 2018

Information on the best small business credit cards, including annual fees and details about bonus offers that you may be eligible for.

5 min read • Last updated on September 10th, 2018

Business credit cards give small businesses a tool for borrowing money on an ongoing basis, building business credit, tracking expenses, and earning points that are good for flights, hotel stays, and other useful perks.

Best Business Credit Cards for Small Business:

Card Name

Annual Fee

Bonuses

American Express Business Platinum Card from AMEX OPEN

$450.00

50k bonus points after spending $10k + 50k bonus after spending $15k more in the first 3 months.

Bank of America Business Advantage Travel Rewards World Mastercard

$0.00

25k bonus points after spending $1k in the first 60 days.

Business Gold Rewards Card from American Express

$175.00 after first year

50k bonus points after spending $5,000 in the first 3 months.

Capital One Spark Cash for Business

$95.00 after first year

$500 cash after spending $4.5k in the first 3 months.

Capital One Spark Miles for Business

$95.00 after first year

50k bonus miles after spending $4.5k in the first 3 months.

Chase Ink Business Cash Credit Card

$0.00

$500 cash after spending $3k in the first 3 months.

Chase Ink Business Preferred Credit Card

$95.00

80k bonus points after spending $5k in the first 3 months.

Chase Ink Business Unlimited

$0.00

$500 cash after spending $3k in the first 3 months.

CitiBusiness/AAdvantage Platinum Select World Mastercard

$95.00 after first year

70k bonus miles after spending $4,000 in the first 4 months.

Gold Delta SkyMiles Business Credit Card from American Express

$95.00 after first year

30k miles after spending $1k in the first 3 months.

Platinum Delta SkyMiles Business Credit Card from American Express

$195.00

35k bonus miles after spending $1k in the first 3 months.

Southwest Rapid Rewards Premier Business Credit Card

$99.00

60k bonus points after spending $3k in the first 3 months.

Starwood Preferred Guest Business Credit Card from American Express

$95.00 after first year

$100 credit after spending $1k in the first 3 months + $100 credit after first purchase at SPG or Marriott Rewards hotels in first 6 months.

United Mileage Plus Explorer Business Card

$95.00 after first year

50k bonus miles after spending $3k in the first 3 months.

Business Credit Card FAQs:

How should I evaluate business credit card offers?

Decide which benefit or bonus would help your business most. Hotel points? Travel points? Cashback? After that, look at the requirements business credit cards with rewards have. Is it realistic for you to spend the required amount in the first few months? Some require you spend $5k or more. Does the annual fee make sense for you? Once you've answered these questions, it should be easier to apply for business credit card approval.

What Is The Best Small Business Credit Card
What is the best small business credit card?
  • American Express Business Platinum Card from AMEX OPEN.
  • CitiBusiness/AAdvantage Platinum Select World Mastercard.
  • Bank of America Business Advantage Travel Rewards World Mastercard.
  • Chase Ink Business Preferred Credit Card.
  • Platinum Delta SkyMiles Business Credit Card from American Express.
  • Starwood Preferred Guest Business Credit Card from American Express.
  • Southwest Rapid Rewards Premier Business Credit Card.
  • Business Gold Rewards Card from American Express.

What choices do I have for a Chase business credit card?

The Chase Ink Business Cash Credit Card, Chase Ink Business Preferred Credit Card, and Chase Ink Business Unlimited are three of the most popular business cards that Chase offers.

What are the best business credit cards for startups?

This really depends on the startup. If your company needs to spend some money in the near future, it may make sense to get a card that gives you big bonus rewards when you meet minimum spending requirements in the first months, like the American Express Business Platinum Card from AMEX OPEN.

If you don't think you'll be spending more than $1k in the first few months, try a card like the Platinum Delta SkyMiles Business Credit Card from American Express.

What Is The Best Small Business Rewards Credit Card
What is the best business rewards credit card?
  • United Mileage Plus Explorer Business Card.
  • Southwest Rapid Rewards Premier Business Credit Card.
  • Gold Delta SkyMiles Business Credit Card from American Express.
  • Chase Ink Business Unlimited.
  • Chase Ink Business Cash Credit Card.
  • Capital One Spark Miles for Business.
  • Bank of America Business Advantage Travel Rewards World Mastercard.
  • Starwood Preferred Guest Business Credit Card from American Express.

Is it a good idea to get a company credit card?

If you've got regular expenses that you easily pay through your normal revenues each month, it probably makes sense to get company credit cards, because you could be earning free flights, hotel stays, or cash with cash back business credit cards.

What is the best credit card company?

It really makes the most sense to look at it on a card by card basis and look for the best business credit card offer. Although one difference you may want to note is that American Express cards don't allow you to carry a balance month to month, while a Visa business credit card or a Mastercard does.

What Are The Best Business Credit Cards For Travel
What are the best business credit cards for travel?
  • Capital One Spark Miles for Business.
  • CitiBusiness/AAdvantage Platinum Select World Mastercard.
  • Gold Delta SkyMiles Business Credit Card from American Express.
  • Platinum Delta SkyMiles Business Credit Card from American Express.
  • Southwest Rapid Rewards Premier Business Credit Card.
  • United Mileage Plus Explorer Business Card.

Is there a Southwest business credit card I can use to get miles?

Yes, you'll probably want the Southwest Rapid Rewards Premier Business Credit Card. It offers 60k bonus points after you spend $3,000 in the first 3 months.