Discover the 10 best business credit cards for entrepreneurs, offering rewards, cash back, travel perks, and financial flexibility to help grow your business.
For entrepreneurs, having the right business credit card can be a game-changer, providing financial flexibility, rewards, and exclusive perks that help manage expenses efficiently.
Whether you need cash back on everyday purchases, travel rewards for business trips, or low-interest financing options, choosing the best business credit card depends on your company’s spending habits and financial needs.
A well-selected card can improve cash flow, build business credit, and offer valuable protections.
This guide explores the 10 best business credit cards for entrepreneurs, helping you find the perfect one to maximize benefits and grow your business.
1. Chase Ink Business Preferred
The Chase Ink Business Preferred® Credit Card is ideal for entrepreneurs who travel frequently, offering high rewards on travel, shipping, advertising, and business expenses.
With 3x points per dollar spent on travel and select business categories, it allows business owners to earn valuable Chase Ultimate Rewards points that can be redeemed for flights, hotels, or cash back.
It also includes comprehensive travel protections, such as trip cancellation insurance and rental car coverage, making it a smart choice for business owners who rely on frequent travel.
The generous sign-up bonus provides thousands of dollars in travel rewards, making it one of the best business credit cards for entrepreneurs on the go.
2. American Express
The American Express® Business Gold Card is a top choice for businesses with varied spending categories, offering 4x points on the two highest spending categories each month.
This flexibility allows entrepreneurs to maximize rewards automatically in areas such as advertising, gas, dining, and technology purchases.
The Membership Rewards program provides multiple redemption options, including travel, gift cards, and statement credits, making it highly versatile.
Additionally, Amex Business Gold offers purchase protections, extended warranties, and no preset spending limit, making it a great choice for businesses looking for flexible financing and premium rewards.
3. Capital One Spark Cash Plus
For entrepreneurs who prefer simple, unlimited cash back, the Capital One Spark Cash Plus card is a perfect fit. It offers an unlimited 2% cash back on all purchases, with no spending categories or restrictions.
This straightforward rewards structure makes it ideal for businesses with high monthly expenses looking to earn consistent rewards.
The card has no preset credit limit, giving entrepreneurs more spending power while helping manage large purchases. Additionally, it includes free employee cards, allowing businesses to track and maximize rewards across multiple users effortlessly.
4. The Business Platinum Card
Entrepreneurs who travel often and want premium travel benefits should consider The Business Platinum Card® from American Express.
This card offers 5x points on flights and hotels booked through Amex Travel, along with airport lounge access, complimentary elite hotel status, and an annual airline credit.
While the high annual fee may seem steep, the premium travel perks, concierge services, and extensive rewards program make it worthwhile for business owners who want a luxury experience.
The flexible Pay Over Time option allows for better cash flow management, making it ideal for businesses with high travel expenses.
5. Chase Ink Business Unlimited
Entrepreneurs who prefer a no-fuss cash-back card will love the Chase Ink Business Unlimited®, offering 1.5% unlimited cash back on all purchases with no annual fee.
This makes it an excellent choice for startups and small businesses that want to earn rewards without tracking spending categories.
The card also provides introductory 0% APR financing on purchases, allowing business owners to spread out payments without interest for the first year.
Its seamless integration with Chase Ultimate Rewards® also means points can be redeemed for cash, travel, or gift cards, making it a solid all-around option.
6. Brex Card
Startups and tech entrepreneurs looking for a business credit card without a personal guarantee should consider the Brex Card.
Unlike traditional business credit cards, Brex evaluates a company’s financials and cash flow instead of personal credit history, making it an ideal choice for fast-growing startups and venture-backed businesses.
The card offers generous rewards with up to 8x points on rideshare, 5x on travel, and 4x on dining, along with integrations with business tools like QuickBooks and Expensify.
With no annual fee and no interest charges, Brex provides a valuable financial tool for companies looking to scale quickly.
7. U.S. Bank Business Triple Cash Rewards World Elite Mastercard
Entrepreneurs with high expenses in gas, utilities, and office supply categories can benefit from the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
This card offers 3% cash back on gas stations, office supply stores, cell phone services, and dining, along with 1% cash back on all other purchases.
It also includes a 0% APR intro period for purchases, helping businesses finance expenses without interest.
Additionally, the card provides an annual $100 software credit for services like QuickBooks and FreshBooks, making it a great option for business owners looking to maximize rewards in essential spending categories.
8. Bank of America & Business Advantage Customized Cash Rewards Mastercard
Entrepreneurs looking for customizable rewards should consider the Bank of America® Business Advantage Customized Cash Rewards Mastercard®, which allows you to choose your highest-earning category.
Businesses can earn 3% cash back on a category of choice, such as gas, travel, dining, office supplies, or business consulting, with 2% cash back on dining and 1% on all other purchases.
The card also offers a $0 annual fee and a 0% intro APR period, making it ideal for businesses looking for flexible rewards and cost-saving benefits.
9. Wells Fargo Business Secured Credit Card
For entrepreneurs with low or no credit history, the Wells Fargo Business Secured Credit Card provides a great way to establish and build business credit.
Unlike traditional cards, this secured credit card requires a refundable security deposit, which determines the credit limit. It offers 1.5% unlimited cash back or a 1x point-per-dollar rewards program, allowing businesses to choose the best option for their needs.
By making timely payments and using the card responsibly, business owners can improve their credit score and eventually qualify for unsecured credit cards with better benefits.
10. Capital One Spark Miles for Business
Entrepreneurs who frequently travel for business and want a simple, flexible travel rewards program should consider the Capital One Spark Miles for Business.
This card offers 2x miles on all purchases with no spending limits, no foreign transaction fees, and miles that never expire.
The miles can be redeemed for flights, hotels, or statement credits, providing maximum flexibility for business travelers.
With Global Entry or TSA PreCheck reimbursement and easy-to-use rewards, this card is an excellent choice for business owners who want straightforward travel benefits.
Choosing the right business credit card depends on your company’s spending habits, travel needs, and financial goals.
Whether you prefer cash back, flexible rewards, travel perks, or low-interest financing, these 10 business credit cards offer valuable benefits that can enhance cash flow, improve credit scores, and optimize expenses.
By selecting a card that aligns with your business priorities, you can maximize rewards, access essential financial tools, and set your company up for long-term success.
