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From the Experts at Credit.com

The Best Business Credit Cards of 2019

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Best Business Credit Cards

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

Own a small business? No matter the size of your operation, you may want to open a business credit card. In fact, you don’t even have to be incorporated, as you can apply for personal business credit cards as a sole proprietor.

Having a business credit card allows you to separate your business from your personal expenses, making it much easier to file your taxes. Small business credit cards also offer points, miles and cash-back rewards targeted at the expenses owners often encounter. Here are our picks for the best business credit cards based on overall rewards, perks and terms.

Cut to the Best Business Credit Cards

Here, we give it to you straight. For the full print, see card agreements.

Capital One Spark Cash for Business: Solid base rewards, an awesome welcome offer and an affordable annual fee, waived the first year. A solid deal.   

Ink Business Cash Credit Card: Business owners can take advantage of promotional financing and earn big rewards on business purchases. Plus, there’s a sweet welcome offer.

Capital One Spark Classic for Business: A great option for any business owner with so-so credit, this card doesn’t carry an annual fee and offers rewards.

Expert Intel: Business credit cards are exempt from the CARD Act. That means certain protections — like 45 days of advance notice that your annual percentage rate (APR) is going up — do not apply. It’s even more important when considering business credit cards to read the fine print so you know what you’re getting.

Here are more details on our picks for business credit cards.

Capital One Spark Cash for Business

Capital One® Spark® Cash for Business

Annual Fee: $0 intro for first year; $95 after that

Purchase APR: 19.24% (Variable)

Balance Transfer APR: 19.24% (Variable)

Welcome Offer: New cardholders are eligible for a one-time $500 cash bonus if they spend $4,500 on purchases within three months of account opening.

Base Rewards: Cardholders earn 2% cash back on all purchases.

Why We Picked It: Two percent cash back is pretty hard to beat for a low-maintenance business credit card. This card’s cash back is unlimited, never expires and has no minimum redemption requirement. The signup bonus and affordable APR help sweeten the deal.

Extras: You won’t pay a fee for employee cards or foreign transactions. Plus, you’ll get Visa Business Benefits, which includes an auto rental collision damage waiver, purchase protection, an extended warranty and travel and emergency assistance.

Chase Ink Business Cash Credit CardChase Ink Cash - Business Credit Card

Annual Fee: $0

Purchase APR: 15.49% - 21.49% Variable after the 0% for 12 months introductory APR ends

Balance Transfer APR: Intro: 0% for 12 months

Balance Transfer Fee: $5 or 5% of the amount of each transfer, whichever is greater

Welcome Offer: New cardholders are eligible for $500 in cash back after they spend $3,000 on purchases in the first three months.

Base Rewards: Cardholders will 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% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases.

Why We Picked It: Getting 5% cash back on select business expenses is pretty top-notch, even when considering the $25,000 maximum, and the signup bonus makes the card even more alluring. There’s also promotional financing, so if you need to revolve some business expenses, this card will let you do so interest-free for 12 months (15.49% - 21.49% Variable APR thereafter).

Extras: There’s no fee for employee cards and you’ll get certain travel and purchase coverage, including roadside dispatch, an auto rental collision damage waiver, purchase protection and an extended warranty.

Capital One Spark Classic for Business

Capital One® Spark® Classic for Business

Annual Fee: $0

Purchase APR: 25.24% (Variable)

Balance Transfer APR: 25.24% (Variable)

Welcome Offer: None

Base Rewards: Cardholders earn an unlimited 1% cash back on all purchases.

Why We Picked It: The Capital One Spark Classic is a decent option for business owners with fair credit. It has no annual fee and you can still earn rewards — unlimited 1% cash back on every purchase. Rewards don’t expire and there’s no minimum to redeem.

Extras: This card offers benefits similar to those of the Capital One Spark Cash. You’ll get free employee cards, skip foreign transaction fees and gain access to Visa Business Benefits, which includes an auto rental collision damage waiver, purchase protection, an extended warranty and travel and emergency assistance.

While a dot-com startup might want to look at cards that offer bonus rewards for purchasing internet services, the owner of a limousine company might be better off with a card that offers additional rewards at gas stations. If you do a lot of traveling for business, you might be more interested in a travel rewards card that offers frequent flier miles. Just remember to examine a card’s rates and fees to ensure you are not overspending to earn the benefits.

Once you find the right card for you, it’s a good idea to track your credit score so you don’t undo all your hard work. You can view two of your credit scores for free on Credit.com.

At publishing time, the Capital One Spark Cash for Business, Capital One Spark Class for Business and CitiBusiness AAdvantage Platinum Select World Mastercard credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Jeanine Skowronski contributed additional reporting. This article was previously updated on June 6, 2017.


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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.