Business Credit Cards
Best Business Credit Cards for October 2024
The Credit Card Ease Edge
Business credit cards are the most effective tools for managing your business expenses. With the right business card, you not only simplify the financial process but also gain access to valuable perks. In the quest to find the best business cards, it is essential to find a platform that can simplify the selection process.
At Credit Card Ease, we are dedicated to providing business credit card solutions for all types of businesses. To assist you in making an informed decision, we have listed the best business credit cards for 2024. Each card offers unique features tailored to different business needs, from high rewards on specific categories to flexible financing options.
Therefore, keep reading to find out the card that perfectly aligns with your financial needs.
Our Top Recommendations Based on Your Preferences
Top Picks for You: Best Business Credit Cards for 2024
Ink Business Preferred Credit Card
Our Rating:
4.5
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro offer
Earn 120,000 bonus points
Annual fee
$95
Regular APR
21.24% - 26.24% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 120,000 points after spending $8,000 in the first three months.
- Earn 3X points per $1 on the first $150,000 spent on travel.
- Earn 1X points on all purchases.
- No transaction fee on purchases made outside the U.S.
Ink Business Cash Credit Card
Our Rating:
4.3
Rewards Rate
5%
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
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro offer
Earn up to $750 bonus cash back
Annual fee
$0
Regular APR
18.49% - 24.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn $350 bonus points after spending $3,000 in the first three months.
- Earn $400 additional bonus points after spending $6,000 in the first six months.
- Get 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
- Get 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
- Earn 1% cash back on all other purchases.
Capital One Spark Cash Select for Excellent Credit
Our Rating:
4.0
Rewards Rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
1.5%
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
Intro offer
$750
Annual fee
$0
Regular APR
18.49% - 24.49% variable
at Capital One's secure site
Recommended credit
740-850 (Excellent)
Highlights
- Earn 1.5% cash back on every purchase, everywhere.
- Earn 5% cash back on hotels and car rentals.
- No annual fee.
- No transaction fee.
- Cashback rewards never expire.
Ink Business Unlimited® Credit Card
Our Rating:
4.0
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase made for your business
Intro offer
Earn $750 bonus cash back
Annual fee
$0
Regular APR
18.49% - 24.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn $750 cash back on every purchase within the first three months.
- Earn unlimited 1.5% cash back on every business purchase.
- No annual fee.
- Rewards can be redeemed in cash back, gift cards, and travel.
- 0% introductory APR for 12 months on purchase.
The Blue Business® Plus Credit Card from American Express
Our Rating:
4.1
Rewards Rate
2X
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1X
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Intro offer
15,000 Membership Rewards® points
Annual fee
No annual fee
Regular APR
18.49% - 26.49% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 2X membership reward points on everyday business purchases.
- Earn 1X points on other purchases.
- 0% introductory APR on purchases for the first 12 months (then a variable APR applies).
- Integration with QuickBooks and other software for easy expense tracking.
- Coverage for eligible purchases against accidental damage or theft.
- Use the card beyond its limit.
American Express® Business Gold Card
Our Rating:
4.4
Rewards Rate
4X
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
3X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
1X
1X is earned for other purchases. **
Intro offer
Earn 100,000 points
Annual fee
$375
Regular APR
19.49% - 28.49% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 4x points on two select categories each month (up to $150,000 per year).
- Earn 1x points on other purchases.
- Earn 3X points on pre-booked flights and hotels.
- 25% airline bonus points back on eligible flights booked with Amex Travel.
- $100 hotel credit for dining, spa, and resort activities (2+ night stays).
Ink Business Premier® Credit Card
Our Rating:
3.7
Rewards Rate
5%
Unlimited 5% total cash back on travel purchased through Chase Travel℠
2.5%
Unlimited 2.5% total cash back on purchases of $5,000 or more
2%
Unlimited 2% cash back on all other business purchases.
Intro offer
$1,000 Cash Back
Annual fee
$195
Regular APR
19.49% - 27.49% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 2.5% cashback on purchases over 5,000 or more.
- Earn 2% cashback on every purchase.
- No preset spending limit.
- Earn a $1,000 bonus after spending $10,000 on purchases in the first three months from account opening.
- No annual fee for employee cards.
The American Express Blue Business Cash™ Card
Our Rating:
4.3
Rewards Rate
2%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Intro offer
$250 statement credit
Annual fee
No annual fee
Regular APR
18.49% - 26.49% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 2% cash back on all eligible purchases up to $50,000.
- Earn 1% cash back on all other purchases.
- Earn a $250 statement credit after making a purchase of $3000 within the first three months.
- No annual fee.
- Spend beyond your credit limits.
The Business Platinum Card® from American Express
Our Rating:
4.9
Rewards Rate
5X
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X
Earn 1.5X 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.
1X
1X points for each dollar you spend on eligible purchases.
Intro offer
Earn 150,000 points
Annual fee
$695
Regular APR
19.49% - 28.49% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 5X points on flights and prepaid hotels.
- Earn 1.5X points on the key business categories.
- Earn 1X points on other eligible purchases.
- Get up to $200 in statement credits per year for incidental fees at one selected qualifying airline.
Revenued Business Card
Our Rating:
2.7
Rewards Rate
This card doesn't offer cash back, miles, or points
Intro offer
No current offer
Annual fee
None
Regular APR
Factor Based
at Revenued's secure site
Recommended credit
300-670 (Bad to Fair)
Highlights
- Approval is based on the business revenue, not credit score.
- Earn cashback on every purchase without any restrictions.
- Enjoy all the benefits without any annual cost.
- Factor rate fee instead of APR.
- Spend according to your income, business account savings, and debt.
Capital One Spark Cash Plus
Our Rating:
4.7
Rewards Rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Intro offer
$1,200 cash back
Annual fee
$150
Regular APR
N/A
at Capital One's secure site
Recommended credit
740-850 (Excellent)
Highlights
- Earn a one-time bonus of $1200 on the purchase of $30,000.
- Earn unlimited 2% cashback on all purchases without any category restrictions.
- Earn unlimited 5% cashback on hotels and car rentals booked through Capital One Travel.
- Get your $150 fee refunded after spending $150,000 every year.
- No preset spending limit, allowing flexibility based on your spending habits, payment history, and credit profile.
Capital One Venture X Business
Our Rating:
4.9
Rewards Rate
2X miles
2 miles on every purchase
5X miles
5 miles on flights booked through Capital One Travel
10X miles
10 miles on hotels and rental cars booked through Capital One Travel
Intro offer
150,000 miles
Annual fee
$395
Regular APR
N/A
at Capital One's secure site
Recommended credit
740-850 (Excellent)
Highlights
- Earn 2X miles on every purchase, with no limits or category restrictions.
- Earn $150,000 bonus miles on spending $30,000 in the first three months.
- Redeem miles for flights and hotels and travel miles for over 15 travel programs.
- Earn unlimited 10X miles for hotels and car rentals.
- Earn unlimited 5X miles for flights booked through Capital One Travel.
The Hilton Honors American Express Business Card
Our Rating:
4.3
Rewards Rate
12X
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X
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
3X on all other eligible purchases. Terms & Limitations Apply.
Intro offer
Earn 130,000 Bonus Points
Annual fee
$195
Regular APR
20.99% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- You can earn 130,000 Hilton Honors Bonus Points after spending $6,000 on purchases within the first six months of card membership.
- Earn 12X Hilton Honors Bonus Points on qualifying Hilton purchases.
- Earn 5X Hilton Honors Bonus Points on other purchases up to $100,000 each calendar year.
- Earn 3X points on purchases above $100,000.
- Receive up to $240 back annually for eligible purchases made directly with Hilton.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Our Rating:
4.1
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on purchases.
Intro offer
$300
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
740-850 (Excellent)
Highlights
- Receive a $300 online statement credit after spending $3,000 within the first 90 days of opening your account.
- Earn unlimited 1.5% cash back on all purchases.
- Earn up to 2.62% cash back on all purchases if you qualify for the Preferred Rewards for Business Platinum Honors tier.
- No annual cap on cash rewards.
- No annual fee.
- Flexible redemption options for your cash rewards.
Capital One Spark Miles for Business
Our Rating:
4.2
Rewards Rate
5x
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2x
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro offer
50,000 miles
Annual fee
$95, waived first year
Regular APR
26.24% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Receive a one-time bonus of 50,000 miles after spending $4,500.
- Earn unlimited 2X miles per dollar on all purchases.
- Earn 5X miles on hotels and rental cars booked through Capital One Travel.
- Transfer miles to over 15 travel loyalty programs.
- Redeem miles instantly for any travel-related expenses, including flights, hotels, and ride-sharing services.
Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card
Our Rating:
3.9
Rewards Rate
3%
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%
Earn 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter).
1%
Earn 1% cash back on all other purchases.
Intro offer
$300
Annual fee
$0
Regular APR
18.49% - 28.49% Variable APR on purchases and balance transfers
at Bank of America's secure site
Recommended credit
740-850 (Excellent)
Highlights
- Get a $300 statement credit on the purchase of the $3000 in the first 90 days.
- Earn 3% cash on the chosen category (gas station, travel, and office supplies)
- Earn 2% cash back on dining.
- Earn 1% cash back on other purchases.
- Increase cashback up to 75% with a Bank of America business checking account.
Capital on Tap Business Credit Card
Our Rating:
3.4
Rewards Rate
1.5%
1.5% unlimited cashback with no annual fee
Intro offer
No current offer
Annual fee
$0
Regular APR
18.49% - 35.99% variable
at Capital On Tap's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- Earn 1.5% limited cash back on all purchases.
- No fix fees.
- Spend up to $50,000.
- Unlimited cards for your employees.
- No annual fee.
Delta SkyMiles® Gold Business American Express Card
Our Rating:
4.3
Rewards Rate
2X
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.
Intro offer
Earn 55,000 Bonus Miles
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.99% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- No annual fee for the first 12 months.
- Earn a $55,000 miles bonus on the purchase of $4000 in the first six months.
- Save 15% while booking Delta Flights through Delta.com or the Delta app.
- Receive a $200 Delta Flight Credit on the purchase of $10,000 in a year.
- Earn 2 miles on every eligible purchase made directly with Delta.
Frequently Asked Questions
A business credit card is a type of credit tool intended primarily for usage by companies as opposed to individuals. It offers a credit line that businesses may use to pay for goods and services, make purchases, and control spending.
When choosing the best business credit card, consider these factors: rewards structure, fees, interest rates, credit requirements, and annual percentage rates (APR).
Yes, many business credit cards are available for new businesses. In fact, some cards are specifically designed for startups and new businesses, offering benefits that cater to their needs.
Our Methodology And Research
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Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.