Compare Business Credit Cards

Business Credit Cards

Independent comparisons of rewards, fees, APRs, benefits, and verdicts.

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Card Profiles

In-depth profiles with fees, rewards, APRs, benefits, and independent verdicts.

Ink Business Unlimited® Credit Card

No-annual-fee flat 1.5% cash back with a 12-month 0% purchase intro APR

Annual fee: $0

Base earn: 1.5% cash back (1.5 Ultimate Rewards points per $1)

Rating: 8.8/10

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Spark Cash Plus

$150-fee NPSL charge card — unlimited 2% cash back, 5% on Capital One Business Travel, refundable fee at $150k spend

Annual fee: $150 ($150 statement credit if ≥ $150,000 net purchases b...

Base earn: Unlimited 2% cash back on net purchases (no category caps)

Rating: 8.7/10

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Blue Business Cash® Card

No-annual-fee 2% cash back capped at $50,000 calendar-year spend (then 1%), with 12-month 0% purchase APR and Expanded Buying Power

Annual fee: $0 (no annual fee, ever)

Base earn: 2% cash back on first $50,000 eligible purchases per calendar year; 1% therea...

Rating: 8.5/10

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Ink Business Preferred® Credit Card

$95 transferable Ultimate Rewards business card — 3x on travel, shipping, ads, and comms up to $150k/year

Annual fee: $95 (no first-year waiver published)

Base earn: 1 Ultimate Rewards point per $1 on all other purchases (uncapped)

Rating: 8.9/10

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American Express® Business Gold Card

Premium Membership Rewards charge/hybrid card — auto-4X on the two highest of six business categories (capped), stacked statement credits...

Annual fee: $375

Base earn: 1X Membership Rewards point per $1 on other eligible purchases

Rating: 8.6/10

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Spark 1.5% Cash Select

No-annual-fee 1.5% flat cash back with 0% intro APR and a modest welcome bonus

Annual fee: $0

Base earn: Unlimited 1.5% cash back on every purchase (no category restrictions)

Rating: 8.3/10

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Business Advantage Customized Cash Rewards

$0-fee 3%/2%/1% business cash-back with a monthly-switchable category and a $50k combined bonus cap; up to 5.25%/3.5%/1.75% with Preferre...

Annual fee: $0

Base earn: 1% on all other Net Purchases (PRFB can lift to 1.25%/1.50%/1.75%)

Rating: 8.4/10

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Business Advantage Unlimited Cash Rewards

$0-fee uncapped 1.5% business cash-back; up to 2.62% flat with Preferred Rewards for Business Platinum Honors

Annual fee: $0

Base earn: 1.50% unlimited on all Net Purchases (no category cap)

Rating: 8.2/10

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Ink Business Cash® Credit Card

No-annual-fee category cash-back: 5% office supplies + telecom (capped), 2% gas + dining (capped), 1% else, plus 12-month 0% intro APR on...

Annual fee: $0

Base earn: 1% cash back on eligible purchases (1 Ultimate Rewards point per $1; unlimited)

Rating: 8.6/10

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The Business Platinum Card® from American Express

Premium $895 charge card: 5X Amex Travel + 2X U.S. construction/electronics-software-shipping/$5k+ tickets, transferable MR, lounge netwo...

Annual fee: $895 (new accounts since 09/18/2025; existing accounts mo...

Base earn: 1X Membership Rewards point per $1 on other eligible purchases

Rating: 8.7/10

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Ramp Corporate Card

No-annual-fee corporate charge card with no personal guarantee, 30-day pay-in-full, variable 0–1.5% cashback set by Ramp, unlimited emplo...

Annual fee: $0 on the card. Platform software is separate: Free $0/us...

Base earn: Rate determined by Ramp on Qualified Purchases (Rewards Terms, 15 Jul 2026). ...

Rating: 8.5/10

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U.S. Bank Business Altitude® Connect Visa Signature® Card

$95 travel-category points card (year-1 fee $0) with 4X travel/gas, 4 Priority Pass visits, $0 FTF

Annual fee: $0 intro first year, then $95/year

Base earn: 1 point per $1 eligible net purchase (1X)

Rating: 8.4/10

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Brex Card

No-personal-guarantee startup/corporate charge card with category points, virtual cards, and expense ops; pay in full daily or monthly

Annual fee: $0 published for the card. Software is separate: Essentia...

Base earn: 1x on everything else under Exclusive (1 point per $1 USD spend with a U.S.-b...

Rating: 8.4/10

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Wells Fargo Signify Business Cash® Card

No-annual-fee uncapped 2% cash-back business Mastercard with 12-month 0% purchase APR, free employee cards, and a 3% foreign-transaction fee

Annual fee: $0

Base earn: $0.02 cash rewards per $1 qualifying net purchase (uncapped 2%). Posts when t...

Rating: 8.6/10

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Marriott Bonvoy Business® American Express® Card

Mid-fee Marriott hotel business card: 6X at Bonvoy hotels, 4X on restaurants / U.S. gas / U.S. wireless / U.S. shipping, annual 35k-cap F...

Annual fee: $125 (no first-year waiver published)

Base earn: 2 Marriott Bonvoy points per $1 on other eligible purchases (no published cap...

Rating: 8.3/10

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Capital One Venture X Business

Premium NPSL business charge card: unlimited 2X miles, portal 5X/10X, $300 travel credit + 10k anniversary miles, lounges, $395 fee

Annual fee: $395 (ongoing; no first-year waiver published)

Base earn: Unlimited 2 miles per $1 on net purchases (no published category cap)

Rating: 8.8/10

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Delta SkyMiles® Gold Business American Express Card

Low-fee Delta cobrand for occasional business flyers — 2X Delta / dining / capped U.S. shipping & advertising, free bags, no FTF, $0 year...

Annual fee: $0 intro year 1, then $150 (first year of Card Membership...

Base earn: 1 SkyMile per $1 eligible purchases

Rating: 8.3/10

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Engine X

No-annual-fee travel charge card: 6–10% Engine points on Engine hotel/car bookings, 1.5% on other spend; no personal guarantee

Annual fee: $0

Base earn: 1.5% back in Engine points on Qualifying Card Purchases (everyday / off-Engin...

Rating: 8.2/10

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BILL Divvy Card

No-annual-fee U.S. charge card with free expense software, budget-locked employee/virtual cards, and payoff-frequency rewards (up to 7x d...

Annual fee: $0

Base earn: Everything Else (eligible): 1.5x weekly/daily/prepaid; 1x semi-monthly; 1x mo...

Rating: 8.3/10

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Blue Business℠ Plus Credit Card

No-annual-fee Membership Rewards earner: 2X on the first $50,000 of eligible purchases per calendar year (then 1X), plus a 12-month 0% in...

Annual fee: $0 (CMA: Annual Fee None)

Base earn: 2 Membership Rewards points per $1 on the first $50,000 eligible purchases pe...

Rating: 8.5/10

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Capital One Venture Business

Low-fee flat 2X transferable miles business card with small annual travel + ads/software credits; fixed limit; personal underwriting

Annual fee: $95 (no first-year waiver on Venture Business). Legacy Sp...

Base earn: Unlimited 2 miles per $1 on every purchase. No category tracking, no publishe...

Rating: 8.5/10

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Spark 1% Classic

No-annual-fee 1% flat cash-back business card aimed at fair/limited personal credit, with a high ongoing APR and no welcome bonus

Annual fee: $0 (ongoing; no intro-year structure)

Base earn: Unlimited 1% cash back on every purchase. Marketing: no limits or category re...

Rating: 7.2/10

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First Federal Community Bank Business Zero+ Card

No-annual-fee 18-billing-cycle 0% intro APR working-capital card; rewards only on portal prepaid travel

Annual fee: $0 (ongoing; Elan product suite + Horizon Zero+ + WalletH...

Base earn: None on ordinary purchases. Program rules: Cash Rewards are not earned for an...

Rating: 8.0/10

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Jeff Bank Business Zero+ Card

No-annual-fee 18-billing-cycle 0% APR working-capital card with Travel Center 5% and a hard-to-use $50 travel credit; little everyday rew...

Annual fee: $0 (ongoing; no first-year-only language). Jeff Bank Busi...

Base earn: Not advertised. Jeff Bank Business Zero+ page and Elan Business Zero+ descrip...

Rating: 8.0/10

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Local/Regional Credit Union Business Cards

Membership-gated, usually $0-annual-fee revolving business card with low-to-mid APR and simple 0–1.5% cash back or 1x points — not a prem...

Annual fee: CATEGORY: Often $0; some charge $15–$25 waived with spend...

Base earn: CATEGORY: Most CU business cards are flat 1%–1.5% cash back or 1 point per $1...

Rating: 7.7/10

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Fintech Platform Charge Cards

No-PG expense/ops charge card; software is the product; rewards and float vary by platform

Annual fee: CATEGORY: Almost always $0 on public pages. EXAMPLE A Eng...

Base earn: CATEGORY: Varies widely; rarely as simple as Spark uncapped 2% cash. EXAMPLE ...

Rating: 8.0/10

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