Whether you’re a start-up co-founder or a mom-and-pop store owner, you might benefit from having a business credit card. Business credit cards offer specific perks and advantages that are beneficial to small business owners.
Unlike personal credit cards, business credit cards enable you to separate your personal and business expenses, access larger lines of credit, and earn rewards in business-related spending categories.
To determine the best business cards, we analyzed more than 40 cards and evaluated them based on factors like the annual fee, the rewards rate, the annual percentage rate (APR), the perks, and the insurance and protections.
See our full methodology here.
The best business credit cards
The best business credit cards of March 2024
Note: Rates, fees, and account requirements are subject to change.
Best Flat Cash-Back Card: The American Express Blue Business Cash™ Card
American Express Blue Business Cash™ Card
Intro Bonus
$250 statement credit after you make $3,000 in purchases on your card in your first 3 months
0% intro offer | 0% intro APR on purchases for 12 months from date of account opening (after that, the variable APR will be 18.49%–26.49% variable) |
Annual fee | $0 |
Regular APR | 18.49%–26.49% variable |
Why we like this card
Of the business credit cards we ranked, the American Express Blue Business Cash™ Card had the highest flat cash-back rate: Cardholders earn 2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%). This means you can earn $1,000 cash back annually by spending up to the $50,000 cap. Plus, the card has a $0 annual fee, so you won’t have to pay to get these stellar cash back rates.
You can even earn a welcome