The right business credit card can be a game changer for small businesses. It impacts your business’s financial health and gives you relief that your sudden expenses will get covered. There are multiple rewards, like cashback, points, free miles, and so on, making it a fruitful expense management tool. All it takes is choosing one of the best small business credit cards for your business after carefully analyzing different significant factors.
In this article, we’ll explore 8 best small business credit cards in the USA and explain the unique features of each card. Whether you’re a startup or a small business that started long ago, you can explore all these options and choose a card that is apt for your business.
Table of Contents
8 Best Small Business Credit Cards in the USA
Chase Ink Business Preferred Credit Card
It is a popular option for businesses that include substantial travel expenses. You can earn 3 points for every $1 you spend for the first $150000 on travel. You can get plenty of other benefits as you keep selecting the business categories after each anniversary of your year.
American Express Business Gold Card
This card is apt for businesses that have varied and vast spending needs. You can earn 4X Membership Rewards points on the 2 select categories where your business spent the most each month. If you are looking for a card that offers rewards in top spending categories, you should opt for it.
Capital One Spark Cash for Business
This credit card option is apt for any business irrespective of its size. It offers straightforward and sorted rewards to maximize your benefits on every spend. Cardholders earn consistent 2% cash back on every purchase, with no limits or categories to track.
Bank of America Business Advantage Customized Cash Rewards Mastercard
It is another great option that you can opt for to keep your small business financially supported. The card offers 3% cash back in a category of your choice, 2% on dining, and unlimited 1% on all other purchases.
Brex 30 Card
It is a powerful credit card for tech-savvy small businesses. The best part is that you can get rewards without a personal guarantee. You can earn up to 7X points on rideshare, 4X on Brex Travel, 3X on restaurants, 2X on software subscriptions, and 1X on everything else.
Wells Fargo Business Elite Signature Card
If you run a small business with varied spending needs, this is one of the best small business credit cards for you. With this card, you can earn 1.5% cash back on every $1 spent or 1 point per $1 spent with a 5,000-point bonus when your company spends $10,000 or more in any monthly billing period. It also offers you the flexibility to choose between cash back and points, along with advanced expense management tools, making it a fruitful choice.
U.S. Bank Business Leverage Visa Signature Card
The U.S. Bank Business Leverage Visa Signature Card is suitable for businesses with ever-changing expense types. You earn 2 points per $1 spent on eligible net purchases made directly with merchants in the top two categories where you spend the most each month (from a list of 48 categories), 1 point per $1 on all other eligible net purchases.
Amazon Business Prime American Express Card
This card is the best option for those who invest heavily in the Amazon ecosystem. The more you spend through this card for Amazon purchases, the more significant benefits you get. You can get 5% back at Amazon.com, Amazon Business, AWS, and Whole Foods Market on the first $120,000 in purchases each calendar year, 2% back at U.S. restaurants, gas stations, and wireless phone services, and 1% on all other purchases.
The above listed cards are related to small businesses, however, there are many types of credit cards available. If you don’t know then you can check out our article on that.
Comparison of 8 Best Small Business Credit Cards
Selecting the best small business credit card can be an overwhelming experience. You require a complete understanding of your business’s spending patterns, reward preferences, and the specific benefits that will most support your business growth. The table below will help you make a fair comparison and help clear your dilemma about choosing the right card to avail of all the perks a business credit card can offer.
Card Name | Sign-Up Bonus | Annual Fee | Additional Perks |
Chase Ink Business Preferred Credit Card | Earn 100,000 points after spending $15,000 in the first 3 months | $95 | Trip cancellation/interruption insurance, cell phone protection, and no foreign transaction fees. |
American Express Business Gold Card | Earn 70,000 points after spending $10,000 in the first 3 months | $295 | Flexible payment options, no preset spending limit, and numerous travel and purchase protections. |
Capital One Spark Cash for Business | Earn $500 cash bonus after spending $4,500 in the first 3 months | $0 intro for the first year, then $95. | Free employee cards, no foreign transaction fees |
Bank of America Business Advantage Customized Cash Rewards Mastercard | Earn $300 statement credit after spending $3,000 in the first 90 days. | $0 | Higher cash-back rates for Preferred Rewards for Business members, introductory APR offers. |
Brex 30 Card | Earn 50,000 points or $500 cash back after spending $15,000 in the first 3 months. | $0 | No personal guarantee is required, credit limits are based on business performance and instant approval. |
Wells Fargo Business Elite Signature Card | Earn 50,000 bonus points or $500 cash back after spending $15,000 in the first 3 months. | $125 (waived first year) | Employee cards, comprehensive reporting, and expense management tools. |
U.S. Bank Business Leverage Visa Signature Card | Earn 75,000 points after spending $7,500 in the first 120 days. | $0 for the first year, then $95 | Free employee cards, no cap on total points earned, and no points expiration. |
Amazon Business Prime American Express Card | $125 Amazon.com gift card upon approval. | $0 (requires an Amazon Prime or Business Prime membership). | Enhanced data views, and payment flexibility options. |
Conclusion
In a nutshell, selecting the right small business credit card can be a strategic move to enhance your business’s financial health and streamline operations. You can carefully evaluate your spending habits, reward preferences, and industry-specific needs, to choose the best small business card that aligns with your goals and maximizes your benefits. A well-chosen credit card can provide valuable rewards, flexible financing options, and essential tools to support your business’s growth.
Disclaimer
We always try to give you the most recent information but due to festivals or any other reason offers and perks might change with time for the above-listed credit cards for small businesses so, we advise you to check and do your thorough research as well before selecting any credit card for your business.
