Best Small Business Credit Cards
The American Express Blue Business Cash™ Card: $250 cash bonus + 2% Cash Back
The American Express Blue Business Cash Card is offering a rich bonus of $250 cash after qualified spending. You can earn unlimited 2% cash rewards on up to $50,000 per calendar year. This business credit card has no annual fee.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 26.99%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Intro APR
- 0% on Purchases
- Intro APR Period
- 12 months from date of account opening
- Annual Fee (rates & fees)
- No annual fee
- Credit Needed
- Excellent, Good
Other Business Credit Cards with Cash Back or Rewards
Many other small business credit cards are also offering excellent rewards or cash back on purchases. Here are the business credit cards that give out rewards and bonus.
| Credit Card | Bonus and Rewards | Annual Fee |
|---|
 | The Blue Business® Plus Credit Card from American Express | 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. | $0
rates & fees |
 | Sapphire Reserve for Business℠ | 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.8x points on Chase Travel for airline tickets, hotels, including The Edit, car rentals, cruises, activities and tours. | $795
rates & fees |
 | Costco Anywhere Visa® Business Card by Citi | 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.2% cash back on all other purchases from Costco and Costco.com1% cash back on all other purchases | $0
rates & fees |
 | American Express® Business Gold Card | Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* | $375
rates & fees |
 | Delta SkyMiles® Gold Business American Express Card | Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.1 Mile on every eligible dollar spent on other purchases. | $0 introductory annual fee for the first year, then $150
rates & fees |
 | The Hilton Honors American Express Business Card | Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Offer Ends 1/14/2026.12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter. | $195
rates & fees |
 | Marriott Bonvoy Business® American Express® Card | Earn up to 125,000 Marriott Bonvoy Bonus Points. Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. | $125
rates & fees |
 | The Business Platinum Card® from American Express | New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel using the Business Platinum Card. The Hotel Collection requires a minimum two-night stay.5X points on flights and prepaid hotels on AmexTravel.com | $895
rates & fees |
Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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