Best Business Credit Cards of 2026
Compare the top business credit cards side by side. Filter by rewards type, annual fee, and spending pattern to find the right card for your company. Use the rewards calculator to see your estimated annual earnings before you apply.
Business Card Comparison
| Card Name- | Annual Fee+ | Base Earn- | Min APR- | Intro APR | Sign-Up Bonus | Details |
|---|---|---|---|---|---|---|
Business Cash Back Card Best flat-rate cash back with no annual fee | $0 | 1.5% | 18.99% | None | $300 cash back | |
Startup Business Card Best for startups and new businesses | $0 | 1% | 22.99% | 0% for 12 months on purchases | $200 cash back | |
Small Business Rewards Card Best flexible rewards for diverse spending | $0 | 1% | 17.99% | 0% for 9 months on purchases and balance transfers | $250 cash back | |
Business Gas Card Best for businesses with vehicles or delivery fleets | $0 | 1% | 19.99% | None | $150 cash back | |
Corporate Spending Card Best for growing teams needing expense control | $0 | 1.5% | 18.49% | None | $500 cash back | |
Business Low APR Card Best for businesses that carry a monthly balance | $0 | 1% | 13.99% | 0% for 15 months on purchases and balance transfers | None | |
Business No Fee Card Best entry-level no-fee business card | $0 | 1% | 18.24% | 0% for 12 months on purchases | $200 cash back | |
Business Travel Card Best for frequent business travelers | $95 | 1% | 19.99% | None | 70,000 points | |
Business Dining Card Best for businesses with high client entertainment spend | $99 | 1% | 20.99% | None | 40,000 points | |
Business Platinum Card Best overall premium card for high-spend businesses | $595 | 1.5% | 21.99% | None | 150,000 points |
Click any column header to sort. Click View to expand full card details. APR ranges are representative; your actual rate depends on creditworthiness.
Rewards Calculator
Enter your estimated monthly spend in each category to see projected annual rewards.
Monthly Spend by Category
Total monthly spend: $3,600 /mo
Estimated Annual Rewards
$924
Match the card to your spending
The best business card is the one that earns the most on how your company actually spends. A fleet company with high fuel costs benefits most from a 5% gas card, while a consulting firm with frequent client dinners gets more value from a 4x dining card. Use the rewards calculator above to run your own numbers before applying.
Annual fee vs. net value
A card with a $95 annual fee can still outperform a no-fee card if its rewards rate is meaningfully higher on your core spend categories. As a rule of thumb, you need at least $3,000 to $5,000 in annual category spend to justify a $95 fee, and $15,000 or more to justify a $595 premium card. Always calculate net value, not gross rewards.
Employee cards and controls
If you have employees who make business purchases, employee card capabilities matter as much as rewards rates. Look for individual spending limits, real-time alerts, and role-based permissions. Some cards charge per employee card while others issue them free. Cards with virtual card numbers also help control vendor-specific subscriptions and prevent unauthorized charges.
Frequently Asked Questions
Can I get a business credit card as a sole proprietor?
Yes, sole proprietors can apply for business credit cards using their Social Security Number in place of an EIN. You do not need to be incorporated or have a registered LLC. When applying, you would typically enter your legal name as the business name and select 'sole proprietor' as the business structure. Most major business card issuers accept sole proprietors, though some may offer lower initial credit limits until they see business revenue history.
Do business credit cards affect personal credit?
Most business credit card issuers perform a hard inquiry on your personal credit when you apply, which temporarily lowers your score by a few points. Whether ongoing business card activity appears on your personal credit report depends on the issuer. Many major issuers do not report business card usage to personal credit bureaus unless you default. However, if you provide a personal guarantee (which most issuers require), you are personally liable for the debt and defaults will affect your personal credit.
What credit score do you need for a business credit card?
Most standard business credit cards require a personal FICO score of at least 650, with the best rewards cards and lowest APRs typically requiring 670 to 720 or above. Cards designed for startups or businesses with limited credit history may accept scores as low as 580. Some corporate cards evaluate business revenue and cash flow rather than personal credit alone. Checking your score before applying helps you target the right cards and avoid unnecessary hard inquiries.
Are business credit card rewards taxable?
Generally, business credit card rewards received as a rebate on purchases are not considered taxable income by the IRS, because they are treated as a discount on spending rather than income. However, sign-up bonuses that require no spending to earn may be considered taxable. Additionally, if you deduct the full cost of purchases as a business expense and then receive cash back on those purchases, you should reduce the deductible expense by the amount of the rebate received. Consult a tax professional for guidance specific to your situation.
Can I use a business credit card for personal expenses?
While it is technically possible to use a business card for personal expenses, it is strongly discouraged and can cause problems. Mixing personal and business expenses complicates bookkeeping and tax filings, may void purchase protections or expense management features, and could pierce the corporate veil of liability protection for LLC and corporation owners. Some card agreements prohibit personal use. Keeping expenses separate also makes it much easier to track deductible business expenses and pass audits.
What is a personal guarantee on a business credit card?
A personal guarantee is a clause in most small business credit card agreements that makes you personally responsible for any unpaid balance on the account, regardless of your business structure. Even if your business is an LLC or corporation, a personal guarantee means the issuer can pursue your personal assets if the business defaults. This is standard practice for small business cards. Some larger corporate cards for established companies with significant revenue may not require a personal guarantee, but these are typically only available to mid-market and enterprise businesses.