The Best Small Business Credit Cards of 2019

The Best Small Business Credit Cards of 2019

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Getting the right credit card for your business may be more important than you think. There are scores of business credit cards on the market, and many offer unique perks and rewards structures that can help your business grow.

Whether it’s an introductory 0% APR, an impressive sign-up bonus, or business tools and resources, there’s one credit card that’s better for your business than all the others.

Finding the right one can be daunting, though. To help speed up the process, we’ve done a lot of the research for you. Here are our top choices based on various categories that can prove helpful to your company.

Best Business Credit Cards for 2019

  • Best for cash back: Capital One® Spark® Cash for Business
  • Best for travel rewards: Ink Business Preferred℠ Credit Card
  • Best 0% APR promotion: The Blue Business℠ Plus Credit Card from American Express
  • Best with no annual fee: Ink Business Unlimited℠ Credit Card
  • Best for flexibility: American Express® Business Gold Card
  • Best for premium perks: The Business Platinum® Card from American Express
  • Best for fair credit: Capital One® Spark® Classic for Business

Best for Cash Back: Capital One® Spark® Cash for Business

Business credit cards can get complicated. If you’re interested in keeping things simple with a straightforward but high cash-back rewards rate, the Capital One® Spark® Cash for Business might be right for you.

$500 Cash Back once you spend $4,500 on purchases within 3 months from account opening

You’ll also receive 2% Cash Back for your business on every purchase, everywhere. You can drive this cash back into your business to boost your bottom line or use for personal needs.

The card also doesn’t have a foreign transaction fee, which effectively saves you 3% (the typical fee) every time you make a purchase abroad. That said, the card does have an annual fee of $0 intro for first year; $95 after that. Business-related perks include:

  • Free employee cards
  • Quarterly and yearly spending summaries
  • Easy download of spending data for Quickbooks or Excel

Capital One® Spark® Cash for Business

Earn unlimited 2% cash back for your business on every purchase, everywhere. Earn a one-time $500 cash Learn More

Best for travel rewards: Ink Business Preferred℠ Credit Card

If you like the idea of earning free travel with your everyday business expenses, look no further than the Ink Business Preferred℠ Credit Card. The card’s sign-up bonus is unmatched, and you’ll have plenty of opportunities to earn bonus rewards.

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Because you get 25% more value out of your rewards when you use them to book travel through Chase, that bonus is worth $1,000 when redeemed that way.

Here’s a breakdown of what you’ll earn every time you use the card:

  • Earn 3 points per $1 in select business categories. This applies for the first $150,000 spent in combined purchases on travel, shipping, internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn 1 point per dollar on all other purchases.

If you want more flexibility with your rewards, you can also redeem them for gift cards or cash back. Alternatively, you can transfer them at a one-to-one ratio to any of the following loyalty programs:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Rewards
  • The Ritz-Carlton Rewards
  • World of Hyatt

The card charges a $95 annual fee. And while it doesn’t offer any special business-related perks besides free employee cards, you will get other great benefits, including:

  • Primary rental car insurance
  • Trip cancellation and interruption insurance
  • Cell phone protection for you and employees listed on your phone bill

Ink Business Preferred℠ Credit Card

Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Learn More

Best for 0% APR promotion: The Blue Business℠ Plus Credit Card from American Express

While rewards are nice, they aren’t the only way to squeeze serious value out of a credit card. The Blue Business℠ Plus Credit Card from American Express, for instance, offers an introductory APR promotion of0% on purchases for 15 months. After that, your APR will be 13.49% - 21.49% Variable. The 0% APR is a time to take advantage of and grow your business. 

If you need to finance a large purchase, such as equipment, inventory, or supplies, this card can save you hundreds of dollars, if not thousands, as you pay it off interest-free.

It can also be a good way to eliminate high-interest credit card debt through a balance transfer, but keep in mind that there’s a fee to process the transaction.

That said, the card still offers great rewards. 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.. There’s no annual fee on the card.

Other perks that can help you build your business include:

  • Free employee cards
  • Expanded buying power beyond your credit limit
  • Spend Manager, which allows you to add notes and receipts to your transactions
  • Direct import into Quickbooks
  • Year-end spending summary
The Blue Business℠ Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases Learn More

Best with no annual fee: Ink Business Unlimited℠ Credit Card

The Ink Business Unlimited℠ Credit Card isn’t the only no-annual-fee card on our list. But we think it’s the best based on the value it provides. 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. Plus a 0% Intro APR on Purchases for 12 months. After that, your variable APR will be 15.49% - 21.49% Variable.

This combination of benefits allows you to earn major rewards while also saving money on financing. You can redeem your rewards for cash back, gift cards, travel, or shopping on Amazon.com.

Unfortunately, the card doesn’t offer any business-specific perks beyond free employee cards. You will, however, get primary rental car insurance, travel and emergency assistance services, and some purchase protections.

Ink Business Unlimited℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account Learn More

Best for flexibility: American Express® Business Gold Card

If your business expenses fluctuate, getting a card that offers bonus rewards on certain categories may not be helpful. But with the American Express® Business Gold Card, the card can adapt to your spending habits. While it is technically a charge card, the flexibility it offers on rewards category makes it a card to look at. 

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. The rewards categories are:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

There’s also no credit limit, giving you more flexibility with how much you can spend. The only downside is that the bonus rewards only apply to the first $150,000 spent each year in the two categories. You’ll earn 1 point per dollar on all other purchases.

When it comes to redeeming your points, you have a lot of options. But if you redeem them for flights through Amex Travel, you’ll get 25% of your points back every time.

The biggest drawback of the card is its $295 annual fee. However, it offers several business-related benefits, including:

  • Up to one year free of G Suite basic for three users
  • Up to one year free of Zip Recruiter Standard
  • The option to pay certain purchases over time
  • Spend Manager, which allows you to add notes and receipts to your transactions
  • Direct import into Quickbooks
  • Year-end spending summary
  • Free employee cards
American Express® Business Gold Card
American Express is a Nav Partner
Terms, Rates & Fees

American Express® Business Gold Card

MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent Learn More

Best for premium perks: The Business Platinum® Card from American Express

The only platinum card on our list proves its premium status with some stellar perks. If you want a credit card oozing with value and don’t mind paying a steep annual fee, The Business Platinum® Card from American Express should be on your radar.

Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 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. Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

But the card’s rewards program isn’t where its real value lies. Here’s what else you’ll get:

  • A $200 annual airline fee credit when you select a qualifying airline and incur incidental fees, such as checked bags and in-flight refreshments charged by the airline.
  • A statement credit worth up to $100 every four years for a Global Entry or TSA PreCheck application fee.
  • Complimentary access to more than 1,200 airport lounges in 130 countries.
  • Gold elite status with Starwood Preferred Guest.
  • Gold status with Hilton Honors.
  • Complimentary membership with Boingo Wi-Fi.
  • Custom travel itineraries with Business Platinum travel service.
  • Complimentary membership in premium rental car programs, which include free upgrades and discounts.
  • 10 complimentary single-flight-segment passes with Gogo in-flight Wi-Fi each year.
  • Travel accident insurance coverage of up to $500,000.
  • A 35% point rebate when you use them to book flights through Amex Travel.

Depending on how often you travel, you could get far more value than the card’s $595 annual fee. Business perks include:

  • Free employee cards
  • The option to pay certain purchases over time (there’s no pre-set spending limit)
  • Spend Manager, which allows you to add notes and receipts to your transactions
  • Direct import into Quickbooks
  • Year-end spending summary
The Business Platinum® Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 Learn More

Best for fair credit: Capital One® Spark® Classic for Business

All of the cards we’ve listed so far require good or excellent personal credit to get approved. In fact, there aren’t a lot of credit cards out there for fair and bad credit.

That’s what makes the Capital One® Spark® Classic for Business so special. Not only is it available for business owners with fair credit, but you’ll get value out of the card. You’ll earn 1% Cash Back on every purchase. There’s no annual fee And like all other Capital One cards, there’s no foreign transaction fee.

In contrast, most business credit cards in that same credit range typically charge annual fees and skip the rewards altogether.

What’s more, Capital One reports business credit card activity to the consumer credit bureaus, so you can use the card to build both your personal and business credit histories.

That said, you’ll want to use the card wisely to avoid the opposite effect. Make your payments on time every month and keep your balance relatively low.

Business-related benefits include:

  • Free employee cards
  • Quarterly and yearly spending summaries
  • Easy download of spending data for Quickbooks or Excel

Capital One® Spark® Classic for Business

Enjoy no annual fee. Earn 1% cash back on every purchase. Build business credit with responsible Learn More

How to pick the right credit card for your business

There’s no single credit card out there that’s best for everyone, so it’s important to know yourself and your business to pick the right one. Specifically, here are some factors to consider:

Your credit score

All business credit cards require a personal credit check when you apply, and the best cards are designed for people with good or excellent credit. If your credit isn’t quite there yet, make sure you apply for a card that you have a good chance of getting approved for.

Some business cards report to personal credit as well, here’s a list so you know where to go. You’ll also want to know if the business card you’re after helps your business credit score, which you can check for free with Nav.

Your business expenses

As you’ve probably noticed, some business credit cards offer bonus rewards on certain expenses, allowing you to maximize your rewards. As such, it’s best to find a card with bonus categories that match your typical business expenses.

If you don’t spend a lot in any one category or in general, it may be better to pick a card that offers a high but flat rewards rate on all purchases.

Your preferences

Sometimes, a card’s benefits are what makes it worth getting. So consider if you need a 0% APR promotion, certain business benefits, or travel perks. Take the time to compare these and other business credit cards to ensure that you get the right one for you.

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4 responses to “The Best Small Business Credit Cards of 2019

  1. I appreciate you providing these companies that provide business credit cards. So here is my question. Which company offers business credit cards for business credit only, and not personal credit? Because all these companies on this site based there cards on personal credit. I spent time really developing my business credit with D&B credit number and I have over 11 tradelines. But I haven’t seen one company that provides credit card or line of credit based on business credit yet.

      1. What good is business credit when the credit card companies use personal credit. My identity has been stolen twice and have allot of stuff that is on my credit that is supposed to be taken off but I can’t get anything like line of credit, business credit cards etc.. because the score is horrible.

        1. I’m sorry to hear what you’ve been through. There are a variety of business financing sources that don’t base decisions on personal credit, or are flexible with personal credit scores. It’s still very important, and you have more options if you have strong personal and business credit, but it is possible to move away from it as your business grows.