WWafacard Compare cards

Category guide

Best business credit cards

A focused shortlist of business cards to compare by fees, rewards, and benefits.

How to choose a business credit card

Business credit cards can help separate expenses, earn rewards on operating costs, and provide tools for employee cards or spending controls.

Best for no annual fee
Amazon Business Prime American Express Card American Express
image coming soon
4.7 ★★★★★
Wafa rating

Amazon Business Prime American Express Card

American Express · Amex

Annual fee
$0
Welcome bonus
125 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • No yearly card fee
Best for business
American Express® Business Gold Card American Express
image coming soon
4.7 ★★★★★
Wafa rating

American Express® Business Gold Card

American Express · American Express

Annual fee
$375
Welcome bonus
200,000 points
Rewards rate
1x-4x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • Business spending features
Best for business
American Express® Graphite Business Cash Unlimited Card American Express
image coming soon
4.6 ★★★★★
Wafa rating

American Express® Graphite Business Cash Unlimited Card

American Express · American Express

Annual fee
$295
Welcome bonus
Check terms
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Business spending features
Best for business
Atmos™ Rewards Visa Signature® Business Card Bank of America
image coming soon
4.6 ★★★★★
Wafa rating

Atmos™ Rewards Visa Signature® Business Card

Bank of America · Visa

Annual fee
$70
Welcome bonus
80,000 points
Rewards rate
10%
Intro APR
Check terms
See rates & apply on Bank of America's site
Why we like it
  • Airport-lounge benefits may apply
  • Companion-travel perks may apply
  • Business spending features
Best for no annual fee
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Bank of America
image coming soon
4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1%-5.25%
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Bank of America
image coming soon
4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
Varies
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • Baggage coverage may be included
  • No yearly card fee
Best for no annual fee
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Bank of America
image coming soon
4.7 ★★★★★
Wafa rating

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

Bank of America · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1.5%-2.62%
Intro APR
0% · 7mo
See rates & apply on Bank of America's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
BILL Divvy Corporate Card Bill.com
image coming soon
4.7 ★★★★★
Wafa rating

BILL Divvy Corporate Card

Bill.com · Visa

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1.5x-7x
Intro APR
Check terms
See rates & apply on Bill.com's site
Why we like it
  • Employee card controls may be available
  • No yearly card fee
  • Business spending features
Best for no annual fee
Brex Card Brex
image coming soon
4.7 ★★★★★
Wafa rating

Brex Card

Brex · Mastercard

Annual fee
$0
Welcome bonus
75,000 points
Rewards rate
1x-7x
Intro APR
Check terms
See rates & apply on Brex's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
Brex Corporate Card Brex
image coming soon
4.7 ★★★★★
Wafa rating

Brex Corporate Card

Brex · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
1x-8x
Intro APR
Check terms
See rates & apply on Brex's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for business
Business Green Rewards Card from American Express American Express
image coming soon
4.6 ★★★★★
Wafa rating

Business Green Rewards Card from American Express

American Express · Amex

Annual fee
$95
Welcome bonus
15,000 points
Rewards rate
1x-2x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Employee card controls may be available
  • Business spending features
Best for no annual fee
Capital One Spark 1% Classic for Business Credit Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Spark 1% Classic for Business Credit Card

Capital One · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Employee card controls may be available
  • No yearly card fee
  • Business spending features
Best for business
Capital One Spark 2% Cash Capital One
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4.6 ★★★★★
Wafa rating

Capital One Spark 2% Cash

Capital One · Visa

Annual fee
$95
Welcome bonus
1,000 points
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Employee card controls may be available
  • Business spending features
Best for business
Capital One Spark Cash Plus credit card Capital One
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4.6 ★★★★★
Wafa rating

Capital One Spark Cash Plus credit card

Capital One · Visa

Annual fee
$150
Welcome bonus
2,000 points
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Extended warranty coverage may be included
  • Employee card controls may be available
  • Business spending features
Best for no annual fee
Capital One Spark Cash Select for Business Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Spark Cash Select for Business

Capital One · Mastercard

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1.5%-5%
Intro APR
0% · 12mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for business
Capital One Venture Business Card Capital One
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4.7 ★★★★★
Wafa rating

Capital One Venture Business Card

Capital One · Visa

Annual fee
$395
Welcome bonus
150,000 points
Rewards rate
2x-10x
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Airport-lounge benefits may apply
  • Employee card controls may be available
  • Business spending features
Best for business
Capital One Venture X Business card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One Venture X Business card

Capital One · Visa

Annual fee
$395
Welcome bonus
150,000 points
Rewards rate
2x-10x
Intro APR
Check terms
See rates & apply on Capital One's site
Why we like it
  • Airport-lounge benefits may apply
  • Business spending features
Best for no annual fee
Capital One VentureOne Business Rewards Credit Card Capital One
image coming soon
4.7 ★★★★★
Wafa rating

Capital One VentureOne Business Rewards Credit Card

Capital One · Mastercard

Annual fee
$0
Welcome bonus
50,000 points
Rewards rate
1.5x-5x
Intro APR
0% · 15mo
See rates & apply on Capital One's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Partner status benefits may apply
Best for business
Chase Ink Business Premier℠ Credit Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

Chase Ink Business Premier℠ Credit Card

Chase · Visa

Annual fee
$195
Welcome bonus
1,000 points
Rewards rate
2%-5%
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Cell phone protection may be available
  • Extended warranty coverage may be included
  • Business spending features
Best for business
Chase Sapphire Reserve® for Business Chase
image coming soon
4.7 ★★★★★
Wafa rating

Chase Sapphire Reserve® for Business

Chase · Visa

Annual fee
$795
Welcome bonus
200,000 points
Rewards rate
1x-8x
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Cell phone protection may be available
  • Airport-lounge benefits may apply
  • Partner status benefits may apply
Best for no annual fee
Costco Anywhere Visa® Business Card by Citi Citi
image coming soon
4.7 ★★★★★
Wafa rating

Costco Anywhere Visa® Business Card by Citi

Citi · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%-5%
Intro APR
Check terms
See rates & apply on Citi's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for business
Delta SkyMiles Gold Business American Express Card American Express
image coming soon
4.6 ★★★★★
Wafa rating

Delta SkyMiles Gold Business American Express Card

American Express · American Express

Annual fee
$150
Welcome bonus
90,000 points
Rewards rate
1x-2x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Priority boarding may be available
  • Business spending features
Best for business
Delta SkyMiles Platinum Business American Express Card American Express
image coming soon
4.7 ★★★★★
Wafa rating

Delta SkyMiles Platinum Business American Express Card

American Express · Amex

Annual fee
$350
Welcome bonus
100,000 points
Rewards rate
1x-3x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Companion-travel perks may apply
  • Priority boarding may be available
  • Business spending features
Best for business
Delta SkyMiles® Reserve Business American Express Card American Express
image coming soon
4.7 ★★★★★
Wafa rating

Delta SkyMiles® Reserve Business American Express Card

American Express · American Express

Annual fee
$650
Welcome bonus
80,000 points
Rewards rate
1x-3x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Companion-travel perks may apply
  • Priority boarding may be available
  • Business spending features
Best for no annual fee
GM Business™ Mastercard® Barclays
image coming soon
4.7 ★★★★★
Wafa rating

GM Business™ Mastercard®

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100,000 points
Rewards rate
3x-7x
Intro APR
0% · 9mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • Employee card controls may be available
Best for business
Hilton Honors American Express Business Card American Express
image coming soon
4.6 ★★★★★
Wafa rating

Hilton Honors American Express Business Card

American Express · Amex

Annual fee
$195
Welcome bonus
130,000 points
Rewards rate
3x-12x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Partner status benefits may apply
  • Business spending features
Best for business
IHG One Rewards Premier Business Credit Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

IHG One Rewards Premier Business Credit Card

Chase · Visa

Annual fee
$99
Welcome bonus
140,000 points
Rewards rate
3x-26x
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Partner status benefits may apply
  • Business spending features
Best for no annual fee
Ink Business Unlimited® Credit Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

Ink Business Unlimited® Credit Card

Chase · Visa

Annual fee
$0
Welcome bonus
1,000 points
Rewards rate
1.5%
Intro APR
0% · 12mo
See rates & apply on Chase's site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Fraud-liability protection
Best for business
JetBlue Business Card Barclays
image coming soon
4.6 ★★★★★
Wafa rating

JetBlue Business Card

Barclays · Mastercard

Annual fee
$99
Welcome bonus
50,000 points
Rewards rate
1x-6x
Intro APR
Check terms
See rates & apply on Barclays' site
Why we like it
  • Business spending features
Best for business
Marriott Bonvoy Business® American Express® Card American Express
image coming soon
4.6 ★★★★★
Wafa rating

Marriott Bonvoy Business® American Express® Card

American Express · American Express

Annual fee
$125
Welcome bonus
150,000 points
Rewards rate
2x-6x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Partner status benefits may apply
  • Business spending features
Best for no annual fee
Mercury IO Mastercard Mercury
image coming soon
4.7 ★★★★★
Wafa rating

Mercury IO Mastercard

Mercury · Mastercard

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Mercury's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
PNC BusinessOptions® Visa Signature® Credit Card PNC
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4.7 ★★★★★
Wafa rating

PNC BusinessOptions® Visa Signature® Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
800 points
Rewards rate
1%-1.5%
Intro APR
0% · 9mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
PNC Cash Rewards Visa Signature Business Credit Card PNC
image coming soon
4.7 ★★★★★
Wafa rating

PNC Cash Rewards Visa Signature Business Credit Card

PNC · Visa

Annual fee
$0
Welcome bonus
400 points
Rewards rate
1.5%
Intro APR
0% · 9mo
See rates & apply on PNC's site
Why we like it
  • Intro APR or transfer-focused terms
  • Baggage coverage may be included
  • Fraud-liability protection
Best for no annual fee
Ramp Corporate Card Ramp
image coming soon
4.7 ★★★★★
Wafa rating

Ramp Corporate Card

Ramp · Visa

Annual fee
$0
Welcome bonus
1,000 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Ramp's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for business
Southwest Rapid Rewards Performance Business Credit Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

Southwest Rapid Rewards Performance Business Credit Card

Chase · Visa

Annual fee
$299
Welcome bonus
80,000 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Partner status benefits may apply
  • Companion-travel perks may apply
  • Business spending features
Best for business
Southwest Rapid Rewards Premier Business Credit Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

Southwest Rapid Rewards Premier Business Credit Card

Chase · Visa

Annual fee
$149
Welcome bonus
60,000 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Business spending features
Best for no annual fee
Stripe Corporate Card Stripe
image coming soon
4.7 ★★★★★
Wafa rating

Stripe Corporate Card

Stripe · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Stripe's site
Why we like it
  • No yearly card fee
  • Business spending features
Best for no annual fee
The American Express Blue Business Cash® Card American Express
image coming soon
4.7 ★★★★★
Wafa rating

The American Express Blue Business Cash® Card

American Express · Amex

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1%-2%
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
The Blue Business® Plus Credit Card from American Express American Express
image coming soon
4.7 ★★★★★
Wafa rating

The Blue Business® Plus Credit Card from American Express

American Express · Amex

Annual fee
$0
Welcome bonus
15,000 points
Rewards rate
1x-2x
Intro APR
0% · 12mo
See rates & apply on American Express' site
Why we like it
  • Intro APR or transfer-focused terms
  • Extended warranty coverage may be included
  • Employee card controls may be available
Best for business
The Business Platinum Card® from American Express American Express
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4.7 ★★★★★
Wafa rating

The Business Platinum Card® from American Express

American Express · Amex

Annual fee
$895
Welcome bonus
300,000 points
Rewards rate
1x-5x
Intro APR
Check terms
See rates & apply on American Express' site
Why we like it
  • Airport-lounge benefits may apply
  • Business spending features
Best for no annual fee
Truist Business Cash Rewards Credit Card Truist
image coming soon
4.7 ★★★★★
Wafa rating

Truist Business Cash Rewards Credit Card

Truist · Visa

Annual fee
$0
Welcome bonus
300 points
Rewards rate
1%-3%
Intro APR
0% · 9mo
See rates & apply on Truist's site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for business
Truist Business Premium Visa Infinite® Card Truist
image coming soon
4.6 ★★★★★
Wafa rating

Truist Business Premium Visa Infinite® Card

Truist · Visa

Annual fee
$299
Welcome bonus
1,000 points
Rewards rate
2%-10%
Intro APR
Check terms
See rates & apply on Truist's site
Why we like it
  • Business spending features
Best for business
Truist Business Travel Rewards Credit Card Truist
image coming soon
4.6 ★★★★★
Wafa rating

Truist Business Travel Rewards Credit Card

Truist · Visa

Annual fee
$49
Welcome bonus
20,000 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Truist's site
Why we like it
  • Business spending features
Best for business
U.S. Bank Business Leverage Visa Signature Card U.S. Bank
image coming soon
4.6 ★★★★★
Wafa rating

U.S. Bank Business Leverage Visa Signature Card

U.S. Bank · Visa

Annual fee
$95
Welcome bonus
750 points
Rewards rate
1x-5x
Intro APR
0% · 12mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Employee card controls may be available
  • Business spending features
Best for no annual fee
U.S. Bank Business Triple Cash Rewards World Elite Mastercard U.S. Bank
image coming soon
4.7 ★★★★★
Wafa rating

U.S. Bank Business Triple Cash Rewards World Elite Mastercard

U.S. Bank · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
1%-5%
Intro APR
0% · 15mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Partner status benefits may apply
Best for no annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card U.S. Bank
image coming soon
4.7 ★★★★★
Wafa rating

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank · Visa

Annual fee
$0
Welcome bonus
750 points
Rewards rate
1%-5%
Intro APR
0% · 12mo
See rates & apply on U.S. Bank's site
Why we like it
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Employee card controls may be available
Best for business
United Club℠ Business Card Chase
image coming soon
4.7 ★★★★★
Wafa rating

United Club℠ Business Card

Chase · Visa

Annual fee
$695
Welcome bonus
110,000 points
Rewards rate
2x-8x
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Business spending features
Best for business
United℠ Business Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

United℠ Business Card

Chase · Visa

Annual fee
$150
Welcome bonus
110,000 points
Rewards rate
1x-8x
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Priority boarding may be available
  • Employee card controls may be available
  • Business spending features
Best for business
Wells Fargo Business Elite Signature Card Wells Fargo
image coming soon
4.6 ★★★★★
Wafa rating

Wells Fargo Business Elite Signature Card

Wells Fargo · Visa

Annual fee
$125
Welcome bonus
1,000 points
Rewards rate
1.5%
Intro APR
Check terms
See rates & apply on Wells Fargo's site
Why we like it
  • Baggage coverage may be included
  • Partner status benefits may apply
  • Business spending features
Best for no annual fee
Wells Fargo Business Platinum Credit Card Wells Fargo
image coming soon
4.7 ★★★★★
Wafa rating

Wells Fargo Business Platinum Credit Card

Wells Fargo · Visa

Annual fee
$0
Welcome bonus
300 points
Rewards rate
1.5%
Intro APR
0% · 9mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • No yearly card fee
  • Business spending features
Best for no annual fee
Wells Fargo Signify Business Cash® Card Wells Fargo
image coming soon
4.7 ★★★★★
Wafa rating

Wells Fargo Signify Business Cash® Card

Wells Fargo · Mastercard

Annual fee
$0
Welcome bonus
500 points
Rewards rate
2%
Intro APR
0% · 12mo
See rates & apply on Wells Fargo's site
Why we like it
  • Intro APR or transfer-focused terms
  • Airport-lounge benefits may apply
  • Employee card controls may be available
Best for business
World of Hyatt Business Credit Card Chase
image coming soon
4.6 ★★★★★
Wafa rating

World of Hyatt Business Credit Card

Chase · Visa

Annual fee
$199
Welcome bonus
60,000 points
Rewards rate
Varies
Intro APR
Check terms
See rates & apply on Chase's site
Why we like it
  • Partner status benefits may apply
  • Business spending features
Best for business
Wyndham Rewards Earner® Business Card Barclays
image coming soon
4.6 ★★★★★
Wafa rating

Wyndham Rewards Earner® Business Card

Barclays · Visa

Annual fee
$95
Welcome bonus
45,000 points
Rewards rate
Varies
Intro APR
0% · 6mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Partner status benefits may apply
  • Employee card controls may be available

Frequently asked questions

Who can use a business credit card?

Sole proprietors, freelancers, and registered companies may be eligible, depending on issuer rules.

What should business owners compare?

Look at annual fees, employee card policies, category rewards, reporting tools, and travel or purchase protections.