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Small-business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans or have access to networks filled with…

Borrow Money · Credit Cards · Small Business 9 Best Small-Business Credit Cards – Reviews & Comparison Brian Martucci February 8, 2024January 27, 2026 Small-business credit cards are increasingly popular business financing options, particularly for entrepreneurs who don’t qualify for traditional business loans or have access to networks filled with deep-pocketed family members, friends, and colleagues. No matter what your business does, a credit card can probably help — as long as you use credit wisely and avoid making purchases your company can’t afford. Small-business credit cards typically have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. However, many also require good or excellent credit to qualify and come with annual fees, and if you’re going to pay that much for a credit card, you should pick the one with the best features for your business. The Best Small-Business Credit Cards Right Now These are the best small-business credit cards on the market right now. They include a mix of low-interest credit cards, travel rewards credit cards, cash-back credit cards, and general-purpose rewards cards. Best Overall: Ink Business Preferred® Credit Card The Chase Ink Business Preferred® Credit Card is a longtime favorite of Chase small-business card users. It offers: Sign-up Bonus: When you spend at least $8,000 in eligible purchases within 3 months of opening your account, you earn 100,000 bonus Ultimate Rewards points. That's worth $1,250 when redeemed for travel purchases on Chase Travel℠, and $1,000 when redeemed for cash back or general merchandise. Earning Rewards: Earn 3x points per $1 spent on travel, shipping purchases, telecommunications purchases (such as Internet, cable, mobile phone bills), and advertising, up to $150,000 in combined spending across those categories in each account anniversary year. All other purchases earn unlimited 1 point per $1 spent. Redeeming Rewards: Redeem in any amount for travel, statement credits, gift cards, and more in the Chase Travel℠ portal. The card includes an attractive points transfer feature that lets you swap your Chase Ultimate Rewards points for other companies’ loyalty currency at a 1-to-1 ratio. Annual Fee: $95 Additional Features: Get cell phone protection (up to $600 per claim) when you pay your cell phone bill in full with your card. Enjoy complimentary loss and damage coverage on rental cars paid in full with this card. Take advantage of trip cancellation and interruption insurance coverage potentially worth thousands per claim. No foreign transaction fee on purchases made overseas or from international merchants. It all adds up to the best overall credit card for small-business users. Learn More Best for Flat-Rate Cash Back: Ink Business Unlimited® Credit Card The Chase Ink Business Unlimited® Credit Card is a no-annual-fee business credit card that echoes the consumer version of the card, which also earns unlimited 1.5% cash back on most purchases. Ink Business Unlimited accrues cash back via Ultimate Rewards points, which you can redeem for more than just cash and travel. The one-two punch of a no-nonsense rewards program and flexible redemption make it the best flat-rate cash back card for business owners, period. Sign-up Bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earning Rewards: Earn unlimited 1.5% cash back on all eligible purchases with your card. Redeeming Rewards: Redeem for cash, gift cards, travel purchase, and general merchandise through the Chase Ultimate Rewards portal. Additional Benefits: Enjoy value-adds like cell phone protection up to $600 per claim, complimentary loss and damage coverage on rental cars paid in full with this card, and additional travel insurance coverage up to applicable policy limits. Annual Fee: $0 Learn More Best Tiered Cash Back Program: Ink Business Cash® Credit Card The Chase Ink Business Cash® Credit Card is a popular business credit card with a generous cash-back rewards program, above-average sign-up bonus, and attractive 0% intro APR promotion. With the potential to earn up to 5% cash back on select purchases, the ongoing cash-back program qualifies as the best tiered cash-back scheme of any card on this list. It’s a compelling choice if you concentrate your business spending on office supplies, telecommunications, fuel, and dining. Sign-up Bonus: Earn up to $750 cash bonus: $350 cash bonus after you spend $3,000 in the first 3 months and an additional $400 if you spend $6,000 in your first 6 months. Earning Rewards: Earn 5% cash back for office supply store and communications purchases (including Internet, TV, landline, and cell phone services) and 2% cash back on gas station and restaurant purchases. Purchases in the 5% and 2% categories have a combined $25,000 ...

9 Best Small-Business Credit Cards - Reviews & Comparison