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I have over 20 credit cards and an excellent credit score. Now I’ll reveal my secrets to getting approved for the best business credit cards.
I currently have the Chase Ink Business Preferred, Chase Ink Business Unlimited, and the Chase Ink Business Cash. These cards have saved me thousands of dollars with cash back and travel rewards!
As a business owner, finances are a top priority. Your business won’t run without money, and earning more money is the whole reason you started it in the first place, right?
Most business owners opt to establish lines of credit to help with business expenses, which is a smart move. Not only does it ensure your business’ needs are covered, but you build your credit in the process!
When first starting out, it can be difficult to determine which is the best business credit card. That’s why I’ve put this list together for you! Read on for the best business credit cards available.
Table of Contents
What is the Best Business Credit Card?
- Chase Ink Business Preferred – Absolute Best Overall
- Chase Ink Business Cash – Best Value
- Chase Ink Business Unlimited – Best Free Starter Option
Best of the Rest
- American Express Blue Business Cash Card
- Capital One Spark Cash Plus
1. Chase Ink Business Preferred
Any of Chase’s business credit cards would be a smart choice — and the Chase Ink Business Preferred is a prime example of that. Let’s explore the various reasons why this business credit card made the #1 spot.
Firstly, the massive rewards make this deal extra sweet. You’ll get triple cash back (or three points on the dollar) for many of your business purchases, like shipping, advertising, internet, travel, and more. One point per dollar is the standard reward for other purchases, which isn’t too shabby, either.
On top of that, the points for new account holders are super generous. Spending $15,000 in your first 3 months will earn you 100,000 bonus points, which is almost unheard of with other cards! These can be spent on a vacation, a reward for yourself, or even re-invested in your business – it’s totally up to you.
All these benefits are great, but I know what you’re thinking: what about security? The Chase Ink Business Preferred card doesn’t skimp on that, either. You can rest assured that your account is safe, with Chase’s built-in fraud protection on the lookout for any potential threats. Not only that, but you’ll have peace of mind when abroad – your travel expenses and purchases are insured and protected!
Awards and Ratings
Chase Ink Business Preferred has a high approval rating of 4.5 stars from its many satisfied customers. Not only that, but its parent company, JP Morgan & Chase, has been recognized for several awards.
For example, organizations like the Hispanic IT Executive Council and the UK National Autistic Society have recognized and awarded Chase, as have magazines like Black Enterprise and Working Mother. It’s clear that the Chase Ink Business Preferred card comes from a highly respected place!
Top 5 Benefits of Chase Ink Business Preferred
- Major Rewards for You – Spend $15k in your first 3 months and get 100k bonus points, plus triple cash back on important business purchases!
- Keep Your Points – No expiration date on rewards means you can save or spend them, whenever works for you!
- More Cards, Faster Points – Cards for your employees are free and help you earn points even quicker!
- Travel and Purchase With Confidence – Your purchases and travel expenses are insured and protected!
- Peace of Mind at No Extra Cost – Built-in fraud protection ensures your account is always secure.
Pricing
Chase Ink Business Preferred is a great deal with its low annual fee of just $95. No worries about increasing fees with this card, you’ll know exactly what to expect. Want to see for yourself? Go here.
What People Are Saying
Chase Ink Business Preferred is praised by business owners everywhere. Business owner Alan had this to say about his experience:
“They came through on the cash back points just like they said they would!! Easy time on the phone with customer service too. Would definitely recommend the card to anyone in need.”
As you can see, Chase Ink Business Preferred helps business owners when they need it most. Want to join them? Start here.
Want to Know More?
This short video does a great job of explaining everything you need to know about this business credit card:
| Pros | Cons |
| Excellent points earning potential – 3x cash back on select purchases | 690 or higher credit score required |
| Low $95 annual fee | Must spend $15,000 in first 3 months to earn 100k bonus points |
| Free employee cards | |
| Travel/purchase protection | |
| Built-in fraud protection |
With all the pros of this business credit card, it’s easy to see why it’s such a great choice. Go here to get started!
2. Chase Ink Business Cash
Another winner from Chase and the best business credit card for value: the Chase Ink Business Cash card. It’s great for business owners that need help saving on costs, especially while they’re still growing. This card is designed to help you do just that, plus it comes with huge reward earning potential to make your business spending that much easier.
Business expenses like internet service, phone service, and office supplies earn you a nice 5% cash back reward. Gas and restaurant purchases earn 2%, and you’ll get 1% back on everything else!
Another great benefit of this card is the bonus cash back: you can earn $750 when you spend $7,500 in your first 3 months! These rewards never expire, by the way, so you can save them as long as you like or spend them – it’s your choice. You can also rest easy with Chase Ink Business Cash, as many of your purchases are protected, and you’ll get built-in fraud protection on your account to ensure it’s always secure.
This business credit card saves you money, helps you grow your business, and rewards you for your hard work! It’s a smart choice for business owners everywhere.
Awards and Ratings
1,345 card members give the Chase Ink Cash card 4.3 stars. Obviously, this card makes a lot of business owners happy!
Top 5 Benefits of Chase Ink Business Cash
- Secure Your Finances – Built-in fraud protection gives you the peace of mind you deserve.
- Huge Rewards Potential – Earn 5% on select purchases, plus $750 bonus cash back when you spend $7,500 in your first 3 months!
- More Money in Your Pocket – 0% APR interest rates your first year!
- Worry-free Spending – Insurance provided for select purchases and travel!
- Rewards Without the Rush – No expiration date on points as long as your account is open!
Pricing
Unlike many other options, the Chase Ink Business Cash card has no annual fee. It’s perfect for business owners that need to save on costs! Try it out for yourself here.
What People Are Saying
The Chase Ink Business Cash card is a great option for business owners, helping many of them to grow their businesses. Kerven had this to say about it:
“This card has been very helpful in helping my business grow. I use it mostly for inventory purchases. I enjoy seeing the little kickback to give me the form of cash back. I hope to continue to grow with them.”
Want to join the growing businesses with the help of Chase Ink Business Cash? Go here.
Want to Know More?
This informative overview of the best value business credit card is a must watch:
| Pros | Cons |
| No annual fee | Variable APR (after first year) may be subject to changes |
| 5x cash back on select purchases + $750 when you spend $7,500 in your first 3 months | |
| Purchase and travel protection | |
| 0% APR for first year (variable afterwards) | |
| No expiration date on rewards |
Heard enough? Perfect timing! Get started with your new card here.
3. Chase Ink Business Unlimited
Just like the other Chase business credit cards on this list, the Ink Business Unlimited card is another smart choice for savvy business owners. You’ll notice it shares some features with its other Chase Ink family members, like the bonus cash back and built-in fraud protection, as well as the no extra cost for employee cards and purchase protection. However, this card has some awesome features of its own that make it one of the best business credit cards available.
To start, limitless cash back rewards is a feature unique to the Ink Business Unlimited card. That’s right, there’s absolutely no cap on the rewards you can earn, and they never expire as long as your account is open. Can you imagine the cash back possibilities? 1.5% on every purchase you make can be used for anything you like, whether you want to save it, re-invest it, or treat yourself!
Chase Ink Business Unlimited also has more extensive purchase protection. Travel, purchases, emergency assistance services and more are covered, leaving you able to enjoy your spending the way you should — hassle-free.
Chase Ink Business Unlimited also gives you a full year without interest, just like the Ink Business Cash card. Interest is variable after that first year but stays within the range of 13%-19%. It’s safe to say that if you like high rewards earnings, no fees and peace of mind, then this business credit card is the choice for you!
Awards and Ratings
Chase Ink Business Unlimited has been rated highly by reputable sources, like Forbes and Business Insider. Their above average ratings speak for themselves — Ink Business Unlimited is a smart choice for business owners!
Top 5 Benefits of Chase Ink Business Unlimited
- Earn Without Limits — Unlimited reward earnings, 1.5 % cash back on all purchases, and $750 bonus cash back when you spend $7,500 in your first 3 months!
- Multiply Your Savings — No interest for the first year helps you save even more!
- Your Security is Paramount — Fraud protection is always included.
- Keep Up the Teamwork — Employee cards are free and maximize your rewards potential!
- More Peace of Mind — Protection on travel, purchases, emergency services, and more!
Pricing
Chase Ink Business Unlimited is a free card, given that there’s no annual fee. You won’t even pay interest for a full year! Want more details? Find them here.
What People Are Saying
Business owners love the unlimited lifestyle this card offers them! To become one of them, get started here.
Want to Know More?
Think Chase Ink Business Unlimited is the business credit card for you? Check out this short video to see for yourself:
| Pros | Cons |
| Unlimited earning potential, plus 1.5 % back on all purchases | Must spend $7,500 in first 3 months to qualify for bonus cash back |
| No interest for first year (variable interest afterwards) | Variable interest after first year (13% – 19%) |
| No annual fee | |
| Free employee cards | |
| More purchase protection – travel, purchases, car rentals and more |
Made your decision already? Great! Go here to get started.
4. American Express Blue Business Cash Card
Seeing as they’ve been around for almost 200 years, it’s no surprise that American Express still gives other business credit cards a run for their money. The Blue Business Cash card is a great example of how American Express supports their customers, especially business owners.
Some awesome perks of this card include 2% cash back up to $50,000 annually, with 1% as the standard after that. You’ll also love the new member bonus: a $250 statement credit when you spend $3,000 in your first 3 months!
More features that make Blue Business Cash one of the best business credit cards include zero APR for the first year, purchase protection, and the 24/7 Global Assist Emergency hotline for issues while traveling. You can also get warranties extended for an extra year when using your Blue Business Cash card, as well as having the peace of mind that your card will be accepted at 99% of vendors in the US.
One thing most business owners understand is that sometimes the unexpected happens, and Amex has you covered during these times. You can temporarily spend above your limit when you need extra help, giving you peace of mind that your business expenses will always be taken care of.
Awards and Ratings
American Express Blue Business Cash is rated highly by Business Insider, Forbes, and Credit Karma users. It’s easy to love this card with all the benefits it provides for business owners!
Top 5 Benefits of American Express Blue Business Cash
- Support When You Need It – The Blue Business Cash card allows you to spend above your limit for times when you need a little extra help.
- Double Your Earnings – 2% cash back on all purchases up to $50,000, and 1% after that!
- Credit Where It’s Due – Spend $3,000 in your first 3 months and you’ll earn a $250 statement credit!
- Spend on What You Want – 0% APR for your first 12 months lets you control your spending in the best way!
- Travel With Confidence – Global Assist is available 24/7 for support when you’re away!
Pricing
The American Express Blue Business Cash card has no annual fee, and you’ll pay 0% APR for the first 12 months! Want more info? Go here.
What People Are Saying
American Express Blue Business Cash is loved by business owners everywhere. Check out what this Credit Karma user had to say about it:
“Amazing card. Amazing terms. Amazing Amex. They’ve been good to me over the years across different card products. Will continue to do business with them because of the love they’ve continued to show me. Card looks pretty in person too. If you have a small to medium sized business, this is the card you want.”
Time to start a new trend for your business? Do that here.
Want to Know More?
This quick video explains why the American Express Blue Business Cash card is a the right business credit card for your needs:
| Pros | Cons |
|---|---|
| No annual fee | Variable interest after first year (13-21%) |
| Flexible credit limit potential – spend above your limit when you need extra support | Lower cash back percentage than some cards |
| 2% cash back up to $50,000 annually, 1% thereafter | |
| Low spending requirement of $3,000 for $250 bonus credit eligibility | |
| 0% APR for first year |
Ready for the card that helps you when you need it? Great! Start here.
5. Capital One Spark Cash Plus
This card is part of a family of newly upgraded business credit cards. It makes the list of best business credit cards for its amazing benefits, including no interest APR!
While there are caveats to these benefits such as a requirement to pay your bill in full each month, you’ll still only pay a 2.99% late fee if you miss a payment. Compared to the high APR of some other cards, that’s a great deal! You’ll also get 2% cash back on all purchases with no limits on what you can earn, and there’s a $1,000 first year bonus reward when you spend $50,000 in your first 6 months.
Another great benefit of the Spark Cash Plus card is its $0 fraud liability. You’ll be well taken care of if anything suspicious happens to your account, and Capital One will even provide you with a cash advance and emergency replacement card to make sure you’re covered in the meantime.
Spark Cash Plus is also super flexible, allowing you to choose a payment date that’s convenient for you. For business owners that like to pay their full balance each month, don’t like spending limits, and can live without the APR, this business credit card is the smart move to make!
Awards and Ratings
Since Spark Cash Plus is still relatively new, there aren’t any ratings to report just yet. But with all the benefits it offers to business owners, I’m sure they’ll be flooding in soon!
Top 5 Benefits of Capital One Spark Cash Plus
- Spend on Your Terms – No preset limit means you spend your money your way, not anyone else’s.
- Limitless Earning Potential – Unlimited rewards earning means you can keep stacking your 2% cash back as long as you want!
- Save Even More – Spark Cash Plus doesn’t have an APR, so as long as you pay on time, you’re set!
- Extras in Your Pocket – Earn up to $1,000 in cash back bonuses your first year!
- All Your Bases Covered – With $0 fraud liability, you’ll never have to worry about losing your hard-earned money. Plus, you’ll get a cash advance and an emergency replacement card right away!
Pricing
Capital One Spark Cash Plus has an annual fee of $150. While this may be higher than some other cards, the lack of APR and preset spending limits more than make up for it! If you’re interested in learning more, you can do so here.
Want to Know More?
This video breaks down the greatness of the SparkCash Plus business credit card:
| Pros | Cons |
| No preset spending limits | Must pay in full every month to avoid 2.99% late fee |
| Unlimited reward earning potential (2% on every purchase) | Higher annual fee ($150) |
| Zero APR interest rate | |
| $1,000 cash back rewards (possible within first year) | |
| $0 fraud liability |
Done with preset spending limits? Ditch them here.
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Common Questions About Business Credit Cards
Can I Use EIN to Apply for Credit?
In some cases, yes. It will be more difficult than with a Social Security Number (SSN), but if you have some credit with your Employer Identification Number (EIN) already, your chances are better.
How Can I Build My Business Credit Fast?
This won’t happen overnight even under the best circumstances, but you might be able to make the process happen faster. Applying for an EIN, opening a business bank account, and creating a positive credit rating with vendors that report to credit bureaus are all good places to start.
How Do I Build Up My Business Credit Without Using My Personal Credit?
Open a business bank account under the name of your business with a Federal Tax ID. Make sure you pay all your bills on time and keep your business account in good standing. You can then apply for business credit, but it could take awhile to establish.
Can You Add Authorized Users to a Business Credit Card?
Yes, these are called employee cards. Many business credit cards offer them at no extra cost, and the purchases your employees make help to earn rewards points just like your own purchases do.
How Does Business Credit Work?
Business credit is similar to consumer credit, only the purchases made are for business purposes. Points or cash back earned are often re-invested into the business or used for business expenses such as travel and supplies.
What’s the Difference Between Credit and Debit Cards?
A debit card withdraws the amount of your purchase directly from the funds in your bank account. Credit cards operate similarly, only the funds are withdrawn from the credit card lender. You then repay the money you used while building your credit.
What Are the Benefits of Business Credit Cards?
Business credit cards have many benefits, such as rewards points or cash back, purchase protection, security, and more. My #1 choice, the Chase Ink Business Preferred card, has plenty of great benefits for business owners.
What Is the Best Business Credit Card?
Chase Ink Business Preferred. It has huge potential for reward earnings, the security and protection that business owners want, and a nice low annual fee to keep the extra spending to a minimum — among many other great features.
Post-Game Report: Best Business Credit Card Champions
- Chase Ink Business Preferred – Absolute Best Overall
- Chase Ink Business Cash – Best Value
- Chase Ink Business Unlimited – Best Free Starter Option
Best of the Rest
- American Express Blue Business Cash Card
- Capital One Spark Cash Plus
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*Disclaimer: All fees, offers, and APR values are subject to change. They are current as of 03/31/2022.