Best Small Business Credit Cards in 2024

Ink Business Preferred^® Credit Card

Winner – best small business credit card

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. Excellent

Business Advantage Unlimited Cash Rewards Secured credit card*

Review Coming Soon

4.1

Secured small business credit card

N/A Unlimited 1.5% cash back on all purchases See website for details* Review Coming Soon

The American Express Blue Business Cash™ Card

Small business credit card for new business

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% Good/Excellent

FNBO Business Edition® Secured Mastercard® Credit Card*

0.3

Easiest business credit card to get

None None Limited/Poor/Fair

Ramp Visa Corporate Card*

Small business credit card – no personal guarantee

N/A 1.5% cash back on all card spend N/A

U.S. Bank Business Platinum Card*

Small business credit card – balance transfer

N/A N/A Good/Excellent

The Business Platinum Card^® from American Express

Small business travel card

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Good/Excellent

Ink Business Unlimited^® Credit Card

Small business credit card – cash back + 0% intro APR

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase made for your business Good/Excellent

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

Small business gas credit card

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening. Earn 3% cash back in the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases Excellent

Capital One Spark Classic for Business*

Small business credit card – fair credit

N/A Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Fair

PNC Visa® Business Credit Card*

Small business credit card – low ongoing APR

N/A N/A Good/Excellent

United℠ Business Card

3.5

Small business credit card for airline miles

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99. Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases. Good/Excellent

The Hilton Honors American Express Business Card

4.1

Small business credit card for hotel rewards

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter. Terms & Limitations Apply. Good/Excellent