Most links in our content provide compensation to Slickdeals. Applying for and maintaining consumer credit accounts is an important financial decision, with lasting consequences, and requires thought, planning and comparison shopping for the offer that best suits your personal situation. That's why we offer useful tools to evaluate these offers to meet your personal objectives. Be sure to verify all terms and conditions of any credit card before applying.

Best Business Credit Cards: Bonuses & Reviews

Advertiser Disclosure: Most products in our articles are from partners who may provide us with compensation. However, opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain. This page may include information about American Express products currently unavailable on Slickdeals. American Express is not a partner of Slickdeals.

Side hustlers, small business owners and freelancers have a lot of choices when if comes to business credit cards. Credit cards for businesses can offer you a bunch of perks, including the ability to track business expenses in a much easier way and earning rewards to maximize your purchases. Plus, you can browse for the best business credit card bonus for you and get some extra capital to work with.

Summary of Business Credit Cards & Bonus Offers:

Methodology

To make our list of the best business credit card bonus options, we used a certain set of criteria in order to compare similar business credit cards to see which fared better. Most cards we narrowed it down to best travel and cash-back rewards. From there, we looked at other factors such as the value small business owners would receive based on the lowest spending requirements. That way, cards we chose will most likely be more accessible to small business owners, even if their expenses are lower.

Criteria includes:

  • Redemption options (the more flexible the better)
  • Sign-up bonuses (if any)
  • Rewards and earnings categories
  • Benefits specific to small businesses
  • Annual fees
  • Type of credit needed

The Best Business Credit Cards Roundup:

There’s no single business card that’s best for everyone. To help you choose, we’ve rounded up some of cards from our credit card partners where you can find the best business credit card bonus. To see more details on these business credit card offers, use the links shown in the table below, or scroll down.

Business Credit CardsBonus Offer
Ink Business Cash® Credit CardBonus Offer: Earn $900 when you make $6,000 worth of purchases within the first 3 months of account opening
Annual Fee:
$0
Ink Business Unlimited® Credit CardBonus Offer: Earn $900 when you make $6,000 worth of purchases within the first 3 months of account opening
Annual Fee:
$0
Ink Business Preferred® Credit CardBonus Offer: Earn 100,000 Chase Ultimate Rewards Points after spending $15,000 in the first 3 months of account opening
Annual Fee:
$95
Southwest® Rapid Rewards® Premier Business Credit CardBonus Offer: Earn 60,000 points after spending $3,000 in the first 3 months of account opening
Annual Fee:
$99
Southwest® Rapid Rewards® Performance Business Credit CardBonus Offer: Earn 80,000 points after spending $5,000 in the first 3 months from account opening
Annual Fee:
$199
United℠ Business CardBonus Offer: Earn a 75,000-mile sign-up bonus after spending $5,000 in the first 3 months from account opening.
Annual Fee:
$99 (waived for first year)

Pros & Cons of Business Credit Cards

Pros:

  • Organize Business Expenses: You’ll separate your business & personal expenses and streamline employee expenses. Many business credit cards offer year-end summaries, and you can download statements and purchase records for accounting programs.
  • You may get higher limits: Free up some cash flow and increase your working capital. If you’re in the growth stages, having access to capital can give you the ability to fulfill business orders, especially if you qualify for a 0% APR offer.
  • Earn Points for Business Expenses: These cards tend to offer point-earning bonuses in categories more suited for businesses, such as internet charges, office supplies, advertising and, of course, travel.You can also earn points on employee expenses with authorized users.
  • Tax benefits: Certain expenses on a business credit card can be tax deductible. Qualifying business expenses can be deducted. This includes any annual fees, interest and any late fees. To find out for certain, it’s best to consult a tax professional.

Cons:

  • Less Protection: Small business credit cards don’t come with as many protections compared to personal credit cards. They’re unfortunately not as heavily monitored and regulated compared to consumer ones. This means business credit cards don’t fall under the Credit CARD Act of 2009. So things like your APR can change at any time and you lose protection against high transaction fees. However, some major credit card issuers are choosing to voluntarily adhere to the CARD act in order to provide business owners more transparency in their policies.
  • The Business Owner is on the Hook: The business owner (the primary cardholder) is on the hook for the repayment of all charges, including ones from employees.

Read more about the Basics of Business Credit Cares

The Best Business Credit Card Bonuses From Our Partners

Ink Business Cash® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: 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. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Limited Time Offer: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Who Should Use This Credit Card? Small business owners and sole proprietors who want flexibility in their credit card rewards

Why We Like It

Why We Like the Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is legendary for its offer of 5% cash back for purchases at office supply stores and on many telecommunications services, with no annual fee. And while 5% cash back sounds great, these rewards can be much more valuable when paired with another Chase credit card that allows transfers to airline miles or hotel points. In addition to earning excellent cash-back rewards, it also includes competitive introductory offers and provides cards for employees at no additional charge.

This an incredibly valuable card for anyone who owns a small business and makes frequent purchases at office supply stores, which can include furniture, electronics, school supplies, gift cards and printing services. The Ink Business Cash is also a great card to use when paying for your internet service, phone bill or television service. It might not seem like much, but earning 5x rewards on these bills every month will add up to serious rewards very quickly. You earn one point per dollar spent elsewhere.

More Details: TheInk Business Cash® Credit Card is a valuable business cash-back card for entrepreneurs of all types. Earn an impressive rewards rate of 5% cash back on select business purchases. These include the first $25,000 you spend each account anniversary year at office supply stores and on phone, cable and internet services. Ink Business Cash also offers 2% cash back on up to $25,000 in combined purchases at restaurants and gas stations each account anniversary year. You’ll earn 1% cash back on virtually all other purchases.

As a new cardholder, get $900 in bonus cash back when you make $6,000 worth of purchases within the first three months of account opening. Additionally, this no-annual-fee card offers an introductory 0% APR during the first 12 months of account opening on new purchases (balance transfers are excluded from this intro APR offer). Read our full review of the Ink Business Cash.


Ink Business Unlimited® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $900
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New accounts enjoy an introductory 0% APR for purchases during the first 12 months.

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers 1.5 cents (as 1.5 Ultimate Rewards® points) per dollar spent on all purchases, with no limits.

Sign-Up Bonus: This card offers you $900 in cash back after you spend $6,000 on new purchases within three months of account opening.

Who Should Use This Credit Card? This is a valuable card for those who aren’t interested in bonus categories, or for those who are, but want a separate card just for purchases that don’t qualify for a bonus.

Why We Like It

Why We Like the Ink Business Unlimited® Credit Card

Here’s a card that you can use to earn a strong rate of return on all of your business purchases, with no annual fee. The Ink Business Unlimited is technically a cash-back card, but the rewards can be transferred to travel partners when you have another qualifying Chase card that offers this feature. If you want cash back that you can drive back into your business or use for personal expenses, this card could be a great option.

The card has no annual fee but offers an incredible $900 cash bonus after you spend $6,000 in the first three months. You’ll also earn 1.5% cash back on every purchase you make.

Additionally, if you have some purchases coming up and need some time to pay them off, the card’s 0% APR on purchases for 12 months can help you save a lot on interest. And, if you need employee cards, you can get them at no additional charge.

The Ink Business Unlimited® credit card is one of the best business rewards credit cards on the market, primarily because of its large upfront bonus. As a new cardholder, you’ll earn $900 in bonus cash after you spend $6,000 in the first three months from account opening.

Ink Business Unlimited offers a simple flat-rate 1.5% cash back per dollar spent on all purchases. Plus, new accounts can take advantage its introductory 0% interest rate on new purchases made during the first 12 months of account opening. And, if you need employee cards, you can get them at no additional charge. Read our full review of the Ink Business Unlimited® card.


Ink Business Preferred® Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 100,000 Points
APR: Variable APR
Rewards Rate: 1-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: You can earn 3x points on your first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines on each account’s anniversary year. Plus, 1x point per dollar spent on all other purchases.

Sign-Up Bonus: Here’s your chance to earn a whopping 100,000 bonus points after spending $15,000 on your card within three months of account opening. This bonus can be redeemed for $1,250 worth of travel through Chase Ultimate Rewards®.

Who Should Use This Credit Card? People who own internet-based businesses and spend heavily on advertising are the ones who can really earn the most rewards from this card.

Why We Like It

Why We Like the Ink Business Preferred℠ Credit Card

If you’re a business owner who travels a lot for work or pleasure, this card is an ideal choice. It offers a whopping 100,000 bonus points after you spend $15,000 in the first three months — with the card’s 25% bonus on travel booked through Chase, that’s worth $1,250. But you could potentially get more through one of the bank’s transfer partners. The rewards you earn from the Ink Business Preferred Card can be transferred to 10 different airline partners including United, Southwest, Virgin Atlantic, Singapore and British Airways, as well as hotel partners Hyatt, Hilton and Marriott.

Unlike the other two Ink Business cards, you can use this card to transfer your rewards directly to airline miles and hotel points. Travelers may also like this card’s cell phone protection policy that will cover up to $600 per claim.

More Details: If you’re a sole proprietor or small business owner who travels a lot for work or pleasure, the Ink Business Preferred Credit Card is an ideal choice. That’s because points earned with this business credit card can be redeemed for free and discounted travel in the Chase Ultimate Rewards Travel portal. And the Ink Business Preferred makes earning points easy with bonus categories that are important to small business like travel, shipping purchases, internet, cable and phone services, and on advertising purchases made with social media sites and search engines.

In addition to all of that value, the Ink Business Preferred Card offers new cardholders a sign-up bonus of 100,000 points after spending $15,000 with the business card in the first three months of account opening. Those 100,000 points are worth $1,250 in free travel when redeemed through Chase Ultimate Rewards, where points are worth 25% more. Read our full review of the Ink Business Preferred.


Southwest® Rapid Rewards® Premier Business Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99
Bonus: 60,000 Points
APR: Variable APR
Rewards Rate: 1X-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 3 points per dollar spent on Southwest purchases. Earn 2 points on Rapid Rewards hotel and car-rental partners. Earn 2 points on local transit and commuting, including ride-sharing. Earn 1 point on all other purchases.

Sign-Up Bonus: New account holders can earn 60,000 bonus points after spending $3,000 during the first three months from account opening.

Who Should Use This Credit Card? Small business owners and freelancers who enjoy flying with Southwest.

Why We Like It

Why We Like the Southwest® Rapid Rewards® Premier Business Credit Card

Southwest’s entry-level business card is a great option for business owners who want to maximize company spending to earn free Southwest flights. Like most business credit cards, there’s an annual fee to pay, but the signing bonus and travel and purchase perks provide enough value to negate the fee. The card offers employee cards at no additional cost and bonus points earned count towards earning a Southwest companion pass and also towards earning A-List and A-List Preferred status.

This card’s annual fee is expensive, but the perks you get outweigh its cost. We like that points earned can qualify towards Southwest’s A-List status, the airline’s rewards program. Let’s not forget the sign-up bonus, two free EarlyBird Check-Ins each year, and the 6,000 cardmember anniversary points you can receive. Plus, travel-related perks like no fees for first and second checked bags, no change fees and no blackout dates on rewards flights.

More Details: Southwest’s entry-level business card is a great option for business owners who want to maximize company spending to earn free Southwest flights. Like most business credit cards, there’s an annual fee to pay, but the signing bonus, two free EarlyBird Check Ins each year, and travel and purchase perks provide enough value to negate the fee.

The Southwest® Rapid Rewards® Premier Business Credit Card earns 3X points per dollar spent on Southwest purchases and 2X points on Rapid Rewards hotel and car-rental partners. It also earns 2X points per dollar spent on local transit and commuting, including ride-sharing and 1X point on all other purchases.


Southwest® Rapid Rewards® Performance Business Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $199
Bonus: 80,000 Points
APR: Variable APR
Rewards Rate: 1X-4X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $199

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 4 points per dollar spent on Southwest purchases. Earn 3 points on Rapid Rewards hotel and car rental partners. Earn 2 points on local transit and commuting, including ride-sharing. Earn 2 points on social media and search engine advertising, internet, cable, and phone services. Earn 1 point on all other purchases.

Sign-Up Bonus: New account holders can earn 80,000 bonus points after spending $5,000 during the first three months.

Who Should Use This Credit Card? Small business owners and freelancers who enjoy flying with Southwest.

Why We Like It

Why We Like the Southwest® Rapid Rewards® Performance Business Credit Card

It’s perfect for small business owners who have employees who travel. This Southwest business card offers employee cards at no additional cost and provides perks like inflight WiFi credits, a TSA Pre✓® fee credit and complimentary upgraded boardings. The business airline credit card also offers the most generous point rewards structure of any of the Southwest cards: 4x points per dollar spent with Southwest.

This credit card’s annual fee is expensive, but the perks you get outweigh its cost. We like that points earned can qualify towards Southwest’s A-List status, the airline’s rewards program. Let’s not forget the sign-up bonus and the 9,000 cardmember anniversary points you can receive. Plus, you’ll get other benefits like four upgraded boardings per year, free inflight WiFi credits and credit toward a Global Entry or TSA Pre✓® application. In other words, these can help you have a much smoother flight, which is helpful if you’re on an important business trip.

More Details: If you’re looking for an airline business card packed with travel benefits, the Southwest® Rapid Rewards® Performance Business Credit Card is a great deal. Not only does it earn 4X points per dollar for Southwest purchases, but it also features elevated rewards for select business expenses, local transit and spending with Rapid Rewards hotel and car-rental partners.

What we really love about this Chase co-branded card is the added travel perks like inflight WiFi credits, upgraded boarding passes annually and the Global Entry or TSA Pre✓® Fee Credit. Frequent business travelers will find more than enough value with the Performance Business card.


United℠ Business Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99
Bonus: Earn 75,000 bonus miles
APR: Variable APR
Rewards Rate: 1X-2X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card earns 2X miles for every dollar spent at United, gas stations, dining, office supply stores and transit including train tickets, taxis, rideshares and tolls. You can earn 1X miles per dollar spent on all other purchases.

Sign-Up Bonus: Earn 75,000 bonus miles when they spend $5,000 on purchases in the first 3 months from account opening.

Who Should Use This Credit Card? Freelancers and business owners who regularly fly with United Airlines.

Why We Like It

Why We Like the United℠ Business Card

The United℠ Business Card features an impressive 75,000-mile bonus, which is among the best travel bonuses currently on offer.

This card’s perks include a $100 annual United travel credit after seven United flight purchases over $100, two United Club passes, a free first checked bag each flight, 25% back on inflight purchases and priority boarding.

There are other benefits when flying United, like travel and purchase protections. For example, the card features no foreign transaction fees for international purchases and 5,000 bonus miles awarded on each anniversary year when you own both the United Business Card and a personal United credit card.

If you’re serious about getting awarded for travel and find United convenient or simply prefer it, you can maximize your United miles earned every year. Plus, business owners can also provide employees with cards, at no additional cost, to maximize rewards earning potential.

More Details: The United Business Card offers cardmembers valuable travel perks, which include two complimentary United Club airport lounge passes each year, a free first checked bag every flight, 25% back on inflight purchases and priority boarding.

New United Business Card members can earn a sign-up bonus of 75,000 bonus miles after spending $5,000 on purchases during the first three months of account opening.

Beyond the bonus, cardholders will also receive a $100 annual United travel credit after seven United flight purchases of $100 or more. Earning this extra bonus will make up for the $99 annual fee attached to this cobranded airline credit card. Read our full review of the United Business Card.


Best American Express Business Credit Cards

Amex Business Cards Include
Blue Business Cash™ Card
The Blue Business® Plus Credit Card
The Business Platinum Card®
Hilton Honors American Express Business Card

The Spark® 2X Miles from Capital One

It’s easy to see why Capital One’s Spark 2X Miles is generally considered the best overall small business credit cards. It packs in a lot of benefits for a business card with a small annual fee, including no foreign transaction fees, free employee cards and a credit (up to $100) for Global Entry and TSA Pre✓® enrollment fees.

In addition to offering travel benefits and decent rewards earnings, the Spark Miles earns 5X miles per dollar on hotels and rentals cars booked through Capital One Travel and unlimited 2X miles per dollar on all other purchases.

The limited time sign-up bonus offer is pretty enticing too. New cardholders can earn 50,000 miles after spending $4,500 with their new cards within the first three months of account opening.

Business travelers (especially those who need to drive a lot) will love that you can earn 5X miles per dollar on rental car and hotel purchases booked through Capital One Travel rewards program.

Plus, miles can be transferred to 15 airline partners, and there’s the ability to offset any travel purchases, making it a great flexible rewards card.

While other cards offer higher earnings rates, the Spark 2X Miles card offers a great all around earnings potential, since bonus categories from other credit cards can be limiting.

Bonus CategoriesRewards RateAnnual Limit
Hotels and Rental Cars Booked Through Capital One Travel5 milesNo limit
Other Purchases2 milesNo limit

Qualifications for a Business Credit Card

You don’t need to be a multimillion dollar entity to qualify for some of the best business credit card around. There are a myriad of options for organizations all the way from sole proprietors (aka you’re a one-person operation) to businesses with multiple employees. Here is what you need:

  • A business: According to the IRS, you don’t necessarily have to a registered business entity such as an LLC or corporation to count as one. There are different types of businesses, such as sole proprietorships and single member LLCs. So, if you sell items on eBay or Etsy, or work as a freelance writer, you may be able to qualify for a business credit card.
  • Federal tax ID, EIN or SSN: The myth is that you need to have a federal tax ID (or EIN) to be able to apply for a business credit card. For some issuers or credit cards, you may be able to use your Social Security number instead if you put down that you’re a sole proprietor.
  • (Optional) Proof of Business Income: You may not have access to higher credit lines unless you’ve been in business for a while and can prove you have a certain amount of income, but you can increase that over time.

Read more about the Basics of Business Credit Cares

Frequently Asked Questions:

How Do Business Credit Cards Work?

A small business credit card is one that’s specifically used for business purposes instead of personal ones such as paying for business-related expenses like telephone service or office supplies. These types of credit cards work pretty much like personal credit cards — you get access to revolving business credit and other perks like rewards earnings.

Is a Business Credit Card Linked to Personal Credit Score?

Some business credit card issuers will report your credit activity to both commercial and consumer credit bureaus. Don’t think that just because it’s a business-specific card you’re off the hook for missed payments — most issuers require that the business owner personally guarantees the debt. In other words, if you’re late or miss a payment, you, the business owner, could be liable.

Do Business Credit Cards Help Business Credit?

When it comes to your business credit, it’s very much like your personal credit history except that it’s a credit profile for your business. Having an established credit score — especially a higher one — might mean your business can qualify for loans with competitive interest rates. It could even mean lower insurance premiums. To check your business credit score, you can sign up for a free credit-scoring service called CreditSignal (offered by Dun & Bradstreet), which provides alerts when your credit report changes.

How Do I Decide the Right Business Credit Card for My Small Business?

1. Look at your business credit score:
Find out what your credit score is so that you’re able to see what you might qualify for. It could help narrow down your choices.

2. Figure out your priorities:
For those who are only interested in a payment method for covering business expenses, most cards will do. However, if you’re after interest-free offers or features like receipt-capture capability, then you’ll need to do some digging to find features for your needs.

3. Avoid credit cards that require excellent credit scores:
If you have limited or fair credit history, you most likely won’t qualify for credit cards that typically require excellent credit scores. Save yourself the heartache and find one that gives you better odds. You can always apply for another card down the line.

4. Don’t discount a secured credit card:
In some cases you may not qualify for an unsecured credit card (where you don’t need to put down collateral to access a credit line). Many issuers offer cardholders the opportunity to upgrade to an unsecured card once they meet certain requirements.

How Do I Apply for a Business Credit Card?

Before applying for a small business credit card, check your credit situation. Then you’ll be able to assess whether you can qualify for certain credit cards. Use free tools to check your personal and business credit score. Then you can use that to shop around and research your options to see which cards you can be matched with, offering you the highest chances of approval.

Once you’re ready to apply, here are a few tips for the application process:

1. Gather all supporting documents:
You won’t need many documents, but here are a few common things business credit card applications will ask for: A Federal tax ID number, annual business revenue, specific details about a business and a Social Security number.

2. Don’t lie:
If you don’t have a business, don’t apply for a card. The same goes for lying about other information just to get a larger credit limit or other perks, because issuers may ask for supporting documents to prove you have a business.

3. Understand you’ll need to sign a personal guarantee:
Before submitting your application, be aware that the issuer will take your personal credit history into consideration and that you’re on the hook personally for any charges incurred if your business can’t pay for it.

4. Make sure you can meet the spending requirements for a sign-up bonus:
Check the fine print to see what you need to do to earn sign-up bonuses or take advantage of other benefits like travel credits.

What Is the Easiest Small Business Credit Card to Get?


Qualifying for a card will depend on your credit history — both personal and commercial. If you have never applied for a business credit card before, you can qualify for one using your personal credit score. The higher your credit score, the better your chances.That being said, you can still qualify for a business credit card even with fair credit, but you may be able to get ones that offer benefits such as travel credits and 0% introductory APR offers. For business owners who have bad (or no) credit, there are secured business credit cards. These ones require you to put down a deposit, which serves as your credit line. Some even offer free employee cards. For example, the Wells Fargo Secured Business Credit Card offers a credit line from $500 to $25,000 and offers a decent 1.5% cash back on all qualifying purchases.

Read More About Current Bank Offers:

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Michelle Black
Michelle Black
Michelle Black is founder of CreditWriter.com and HerCreditMatters.com. Michelle is a leading credit card journalist with over a decade and a half of experience in the financial industry. She’s an expert on credit reporting, credit scoring, identity theft, budgeting, small business, and debt eradication. Michelle is also a certified credit expert witness and personal finance writer.

Take this 1-minute survey to help improve your site experience

Related Links

Related Posts