Business Credit Cards

Business credit cards offer attractive rebates and rewards to the small business or entrepreneur just for using the card for everyday business purchases. The business can usually earn some additional reward points for card purchases on specific categories. Our objective opinion is included on each card.

Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features: Unlimited 1.5% cash back, Bonus cash back
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Regular APR
    14.99% - 20.99% Variable
  • Intro APR
    0% Intro APR on Purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Cash Back Rewards, Bonus Offer, No Annual Fee
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Regular APR
    14.99% - 20.99% Variable
  • Intro APR
    0% Intro APR on Purchases for 12 months
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: No Annual Fee
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • Regular APR
    11.99% - 22.99% Variable APR on purchases
  • Intro APR
    0% for 7 billing cycles
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Available for businesses with average credit; no annual fee; 1% cash back on all purchases
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • Regular APR
    24.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Rewards Points, No Annual Fee
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • Regular APR
    13.99% - 23.99% Variable APR on purchases
  • Intro APR
    N/A
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Rewards Points, No Annual Fee
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®.
  • Regular APR
    12.99% - 22.99% Variable APR on purchases
  • Intro APR
    N/A
  • Annual Fee
    $0.00
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; earn 1.5% cash back for every $1 spent; $200 bonus once you spend $3,000 within first 3 months
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% – 22.74% variable APR after that
  • Regular APR
    14.74% - 22.74% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: No annual fee; earn 1.5X miles for every $1 spent; 20,000 mile bonus once you spend $3,000 within first 3 months
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Regular APR
    14.74% - 22.74% (Variable)
  • Intro APR
    0% on purchases for 9 months
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

Best Card Features: 4% cash back on first $7000 in eligible gas purchases; 3% at restaurants & eligible travel; 2% at Costco & Costco.com
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • Regular APR
    16.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Bonus Offer, Points Rewards, No Foreign Transaction Fee
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
  • Regular APR
    17.74% - 22.74% Variable
  • Intro APR
    N/A
  • Annual Fee
    $95
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Bonus Offer
  • Get 40,000 bonus miles plus Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Get Alaska’s Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That’s right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Regular APR
    17.74% - 25.74% Variable APR on purchases
  • Intro APR
    N/A
  • Annual Fee
    $50 for the company and $25 per card
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Earn 2 AAdvantage® miles for every $1 on certain categories; preferred boarding; free checked bag on American domestic flights
  • Designed for businesses
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • Regular APR
    17.24% - 25.24% (Variable)
  • Intro APR
    None
  • Annual Fee
    $99, waived for first 12 months
  • cdm-card

    Good/Excellent Credit 725 - 799

Best Card Features: Earn 2% cash back on every purchase; $500 cash bonus after spending $5,000 in first 3 months
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Regular APR
    18.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit 700 - 749

Best Card Features: Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year; No Annual Fee
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • Terms Apply
  • Regular APR
    14.74% - 20.74% Variable
  • Intro APR
    0% on purchases and balance transfers for 12 months
  • Annual Fee
    No annual fee
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Earn 2X miles on every $1 spent; 50,000 mile bonus after spending $5,000 in first 3 months
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Regular APR
    18.74% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0 intro for first year; $95 after that
  • cdm-card

    Good Credit 700 - 749

Best Card Features: 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months; no foreign transaction fees
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Terms and limitations apply
  • Regular APR
    17.24% - 26.24% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 introductory annual fee for the first year, then $95
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months; free checked bag on Delta
  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Terms and limitations apply
  • Regular APR
    17.24% - 26.24% Variable
  • Intro APR
    N/A
  • Annual Fee
    $195 ($250 if application is received on or after 1/30/2020)
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: No annual fee; 0.0% intro APR for first 12 months; 2X rewards points on certain everyday business purchases
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • Terms Apply
  • Regular APR
    14.74% - 20.74% Variable
  • Intro APR
    0% on purchases and balance transfers for 12 months
  • Annual Fee
    No annual fee
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 6x points at participating Marriott Bonvoy hotels; 4x points in some other categories; 75,000 bonus points after spending $3,000 in first 3 months
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Terms apply.
  • Regular APR
    17.24% - 26.24% Variable
  • Intro APR
    N/A
  • Annual Fee
    $125
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Charge card for business; special bonus for spending in the first three months; enhanced rewards for purchases in certain categories
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • *4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • *Terms Apply
  • Regular APR
    15.74% - 23.74% Variable
  • Intro APR
    N/A
  • Annual Fee
    $295
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment; earn Membership Rewards® points with every purchase
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Limitations Apply
  • Regular APR
    N/A
  • Intro APR
    N/A
  • Annual Fee
    $0 introductory annual fee for the first year, then $95
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Exclusive Platinum cardholder benefits; special bonus for spending in the first three months; enhanced rewards for purchases in certain categories
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Terms Apply
  • Regular APR
    N/A
  • Intro APR
    N/A
  • Annual Fee
    $595
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Get a 1.5% discount for paying early or up to 60 days to pay without interest
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Terms and Restrictions apply
  • Regular APR
    N/A
  • Intro APR
    N/A
  • Annual Fee
    $0 introductory annual fee for the first year, then $250
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: Hilton Honors Bonus Points for eligible ongoing purchases and after spending $3,000 in the first 3 months
  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Terms apply.
  • Regular APR
    17.24% - 26.24% Variable
  • Intro APR
    N/A
  • Annual Fee
    $95
  • cdm-card

    Excellent Credit 750- 850

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