Top 10 Business Credit Card Issuers
By Lucy Chen | Published: 2024-10-27 | Category: Business Credit Cards
About Business Credit Cards
Business credit cards help companies manage expenses, track spending, build business credit, and often earn rewards or cash back on purchases. They function similarly to personal credit cards but are intended for business use and reporting.
How We Evaluated
Providers were evaluated based on their range of card offerings, rewards programs, annual fees, introductory offers, business-specific features, customer support reputation, and typical credit requirements. Scores reflect a composite assessment of these factors.
Rating Criteria
- → Rewards Program
- → Annual Fee Structure
- → Introductory Offers
- → Business Features
- → Customer Support
The Best Business Credit Cards
Ramp
Visit Website →A modern corporate card and finance automation platform focused on expense management, savings insights, and offering unlimited 1.5% cash back.
Target Audience
Small Businesses, Medium Businesses, Startups, Companies focused on spend control
Service Offerings
Ramp Card
Corporate charge card combined with expense management and bill pay software.
- Unlimited 1.5% cash back
- No personal guarantee
- Automated expense tracking and approvals
- Software tools for identifying savings
Scorecard (Overall: 7.8 / 10.0)
Pricing Model
Annual Fee
Applies to Ramp Card (Optional paid tiers for advanced software features)
Pros
- + Integrated finance automation platform (spend management, bill pay)
- + Unlimited 1.5% cash back
- + No personal guarantee
- + Focus on helping businesses save money
Cons
- - Requires business bank account linkage and minimum balance
- - Primarily a charge card, not for carrying long-term balances
- - Newer company compared to traditional issuers
Verdict
"Best for businesses prioritizing spend control, automation, and software integration alongside a solid cash back reward."
Brex
Visit Website →Fintech company offering a corporate card and spend management platform primarily targeting venture-backed startups and tech companies, often with higher credit limits and unique rewards.
Target Audience
Startups, Tech Companies, Venture-Backed Businesses
Service Offerings
Brex Card
Corporate charge card integrated with spend management software.
- No personal guarantee required
- Rewards tailored to startup spending (e.g., software, ads)
- Automated expense reporting
- Requires linked business bank account
Scorecard (Overall: 7.8 / 10.0)
Pricing Model
Annual Fee
Applies to Brex Card (Account fees may apply based on features used)
Pros
- + No personal guarantee
- + High credit limits possible
- + Integrated spend management tools
- + Rewards tailored for tech/startup spending
Cons
- - Primarily targets funded startups and larger businesses
- - Requires significant cash balance in linked account
- - Not a traditional credit card (charge card)
Verdict
"Excellent option for well-funded startups and tech companies needing high limits, no personal guarantee, and integrated expense management."
Discover
Visit Website →Offers a no-annual-fee business credit card focused on cash back rewards with a unique first-year Cashback Match feature.
Target Audience
Small Businesses, Sole Proprietors, Value Seekers
Service Offerings
Discover it® Business Card
Simple cash back card with unlimited rewards and a first-year match.
- Unlimited 1.5% cash back on all purchases
- Cashback Match: Matches all cash back earned in the first year
- No annual fee
Scorecard (Overall: 7.6 / 10.0)
Pricing Model
Annual Fee
Applies to Discover it® Business Card
Pros
- + No annual fee
- + Unlimited 1.5% cash back
- + Excellent first-year value with Cashback Match
- + Highly rated customer service
- + Free FICO score access
Cons
- - Only one business card option
- - Acceptance network slightly smaller than Visa/Mastercard
- - Fewer business-specific perks compared to others
Verdict
"Great value proposition, especially in the first year, for businesses seeking a straightforward, no-annual-fee cash back card with top-notch customer support."
Wells Fargo
Visit Website →Provides business credit cards with straightforward rewards and benefits, often integrated with Wells Fargo business banking services.
Target Audience
Small Businesses, Wells Fargo Customers
Service Offerings
Wells Fargo Business Platinum Credit Card
Offers a choice between cash back or rewards points.
- Option 1: 1.5% cash back
- Option 2: 1 point per $1 spent, plus bonuses
- No annual fee
Wells Fargo Secured Business Credit Card
Helps businesses build or rebuild credit history.
- Requires security deposit ($500-$25,000)
- Earns 1.5% cash back
Scorecard (Overall: 6.6 / 10.0)
Pricing Model
Annual Fee
Applies to Business Platinum Credit Card
Annual Fee
Applies to Secured Business Credit Card
Pros
- + Simple card options
- + No annual fee on primary unsecured card
- + Secured card option available for building credit
- + Integration with Wells Fargo banking
Cons
- - Rewards programs less compelling than top competitors
- - Limited selection of business cards
- - Past reputational issues for the bank
Verdict
"A practical choice for existing Wells Fargo customers or businesses seeking simple, no-fee options or a secured card."
U.S. Bank
Visit Website →Offers a variety of business cards, including strong cash back options with customizable bonus categories and cards focused on specific spending like gas and EV charging.
Target Audience
Small Businesses, Businesses with specific spending patterns
Service Offerings
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
No annual fee card with bonus cash back on gas/EV charging, office supplies, cell phone services, and restaurants.
- 3% cash back in key categories
- 1% elsewhere
- 0% Intro APR offer often available
U.S. Bank Business Leverage® Visa Signature® Card
Earns 2X points in the top two categories where you spend the most each month.
- Adaptive bonus categories
- 5X points on prepaid hotels/cars booked via rewards center
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Travel rewards card with points focused on travel and gas/EV charging.
- 4X points on travel, gas stations, EV charging
- Priority Pass Select membership
Scorecard (Overall: 7.0 / 10.0)
Pricing Model
Annual Fee
Applies to Business Triple Cash Rewards
Annual Fee
Applies to Business Leverage® Visa Signature®
Annual Fee
Applies to Business Altitude™ Connect
Pros
- + Strong cash back options, especially Triple Cash card
- + Innovative Leverage card adapts rewards to spending
- + Focus on EV charging rewards on some cards
Cons
- - Rewards redemption options can be less flexible than competitors
- - Customer service ratings sometimes lower than top issuers
Verdict
"Good for businesses seeking solid cash back, especially in categories like gas/EV charging, or adaptive rewards based on spending."
Citi
Visit Website →Provides business credit cards primarily focused on cash back, travel rewards (especially with American Airlines), and introductory APR offers.
Target Audience
Small Businesses, American Airlines Flyers
Service Offerings
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Co-branded card earning American Airlines AAdvantage® miles and offering airline perks.
- Earns 2X miles on AA purchases, telecom, car rentals, gas
- First checked bag free
- Preferred boarding
Costco Anywhere Visa® Business Card by Citi
Cash back rewards focused on gas, travel, dining, and Costco purchases.
- 4% cash back on gas
- 3% on restaurants/travel
- 2% at Costco
- Requires Costco membership
Citi® / AAdvantage Business™ World Elite Mastercard®
Higher-tier AA card with more perks like Admirals Club access.
- Similar earning to Platinum Select
- Admirals Club membership included
Scorecard (Overall: 6.8 / 10.0)
Pricing Model
Annual Fee
Applies to CitiBusiness® / AAdvantage® Platinum Select®
Annual Fee
Applies to Costco Anywhere Visa® Business Card
Annual Fee
$450.00 / Annual
Applies to Citi® / AAdvantage Business™ World Elite Mastercard®
Pros
- + Strong co-branded options for American Airlines flyers
- + Good cash back rates on Costco Business card
- + Often features long 0% intro APR periods on select cards
Cons
- - Fewer general business card options compared to Amex/Chase
- - ThankYou Rewards program less prominent on business cards
Verdict
"A solid choice for frequent American Airlines flyers or Costco Business members seeking specific co-branded benefits."
Bank of America
Visit Website →Offers business cards with cash back and travel rewards, featuring potential rewards bonuses for existing Bank of America or Merrill clients through the Preferred Rewards for Business program.
Target Audience
Small Businesses, Medium Businesses, Bank of America Customers
Service Offerings
Bank of America® Business Advantage Customized Cash Rewards Mastercard®
Flexible cash back card allowing users to choose their top bonus category.
- 3% cash back in category of choice
- 2% cash back on dining
- Rewards bonus for Preferred Rewards members
Bank of America® Business Advantage Travel Rewards World Mastercard®
No annual fee travel card earning points on all purchases.
- Unlimited 1.5 points per $1 spent
- No foreign transaction fees
- Rewards bonus for Preferred Rewards members
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Simple flat-rate cash back card.
- Unlimited 1.5% cash back
- Rewards bonus for Preferred Rewards members
Scorecard (Overall: 7.4 / 10.0)
Pricing Model
Annual Fee
Applies to Customized Cash, Travel Rewards, and Unlimited Cash cards
Pros
- + Potential for significantly boosted rewards through Preferred Rewards for Business
- + Good selection of no-annual-fee cards
- + Flexible cash back category choice on Customized Cash card
Cons
- - Base rewards rates are generally lower than competitors without relationship bonuses
- - Point transfer options are limited compared to Chase/Amex
Verdict
"Particularly compelling for businesses already banking with Bank of America or Merrill due to the Preferred Rewards bonuses."
Capital One
Visit Website →Provides straightforward business credit cards with simple rewards structures, including flat-rate cash back and miles options, often with no foreign transaction fees.
Target Audience
Small Businesses, Medium Businesses, Startups
Service Offerings
Capital One Spark Cash Plus
High flat-rate cash back card designed for businesses with significant spending.
- Unlimited 2% cash back
- No preset spending limit (charge card)
- $200 cash bonus every year you spend $200,000+
Capital One Spark Miles for Business
Earns unlimited 2X miles on every purchase for your business.
- Simple miles earning
- Miles transferable to airline/hotel partners
- No foreign transaction fees
Capital One Spark Classic for Business
Designed for businesses building credit.
- Unlimited 1% cash back
- Helps build business credit history
Scorecard (Overall: 7.6 / 10.0)
Pricing Model
Annual Fee
$150.00 / Annual
Applies to Spark Cash Plus
Annual Fee
Applies to Spark Miles
Annual Fee
Applies to Spark Classic
Pros
- + Simple, flat-rate rewards structures (cash back or miles)
- + Unlimited rewards earning
- + Cards often have no foreign transaction fees
- + Options for businesses building credit
Cons
- - Rewards program less flexible than Amex or Chase for travel transfers
- - Customer service reputation can be mixed
Verdict
"Ideal for businesses that prefer straightforward, flat-rate rewards (either cash back or miles) and value simplicity."
Chase (JPMorgan Chase & Co.)
Visit Website →Major issuer offering a popular suite of business cards with valuable Ultimate Rewards points, cash back options, and strong introductory bonuses.
Target Audience
Small Businesses, Medium Businesses, Sole Proprietors
Service Offerings
Ink Business Preferred® Credit Card
Excellent rewards on common business spending categories like travel, shipping, advertising.
- Earn 3X points on select categories
- Valuable Ultimate Rewards points
- Cell phone protection
Ink Business Cash® Credit Card
No annual fee cash back card with high rewards rates in specific business categories.
- 5% cash back on office supplies, internet, cable, phone services
- 2% cash back at gas stations and restaurants
Ink Business Unlimited® Credit Card
Simple, no annual fee card earning unlimited 1.5% cash back on all purchases.
- Flat-rate cash back
- 0% intro APR offer typically available
Scorecard (Overall: 8.4 / 10.0)
Pricing Model
Annual Fee
$95.00 / Annual
Applies to Ink Business Preferred®
Annual Fee
Applies to Ink Business Cash® and Ink Business Unlimited®
Pros
- + Valuable and flexible Ultimate Rewards program
- + Strong sign-up bonuses often available
- + Good range of no-annual-fee options
- + Widely accepted (Visa)
Cons
- - Requires good to excellent credit
- - Some category spending caps apply on cash back cards
Verdict
"Excellent choice for businesses seeking strong rewards, especially with the versatile Ultimate Rewards program, and valuable sign-up bonuses."
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American Express
Visit Website →Offers a wide array of charge and credit cards for businesses of all sizes, known for premium rewards, travel perks, and strong customer service.
Target Audience
Small Businesses, Medium Businesses, Large Enterprises, Travelers
Service Offerings
The Business Platinum Card®
Premium travel card with extensive lounge access, statement credits, and Membership Rewards points.
- High annual fee
- Airport lounge access
- Hotel elite status
- Various statement credits
American Express® Business Gold Card
Flexible rewards earning based on top spending categories.
- Earns 4X points on top 2 eligible categories
- Flexible point redemption
Blue Business® Plus Credit Card
No annual fee card earning Membership Rewards points on everyday business purchases.
- Earns 2X points on first $50,000 in purchases each year, then 1X
- 0% intro APR offer typically available
Scorecard (Overall: 8.4 / 10.0)
Pricing Model
Annual Fee
$695.00 / Annual
Applies to The Business Platinum Card®
Annual Fee
$375.00 / Annual
Applies to Business Gold Card
Annual Fee
Applies to Blue Business® Plus Credit Card
Pros
- + Excellent rewards programs (Membership Rewards)
- + Premium travel benefits
- + Strong customer service reputation
- + Wide range of card options
Cons
- - High annual fees on premium cards
- - Acceptance can be slightly less universal than Visa/Mastercard
- - Charge cards require payment in full each month
Verdict
"Best for businesses seeking premium rewards, travel perks, and willing to pay higher annual fees for top-tier benefits."
Final Recommendation
The business credit card market offers diverse options from established banks and newer fintech providers. Leaders like American Express and Chase excel with premium rewards and travel perks, while Capital One and Discover offer straightforward value. Fintechs like Brex and Ramp provide integrated spend management solutions, appealing to tech-savvy businesses and startups.