Our picks in detail
CkBest overall
Chase Ink Business Unlimited · Business credit card
4.6/50% on purchases for 12 months
Annual fee$0
Intro APR0% on purchases for 12 months
RewardsUnlimited 1.5% cash back on every purchase
Credit needed690+
Simple and strong: 1.5% back on everything, a large welcome bonus after meeting the spend requirement, 0% for a year and no annual fee. If you do not want to think about categories, this is the default business card.
Pros
- Unlimited 1.5% cash back
- Large welcome bonus
- 0% intro APR on purchases for 12 months
- No annual fee; free employee cards
Cons
- Good to excellent credit needed
- Foreign transaction fee
- Chase's 5/24 rule can block frequent applicants
AxBest for points and 0% APRPartner
Amex Blue Business Plus · Business credit card
4.7/50% on purchases for 12 months
Annual fee$0
Intro APR0% on purchases for 12 months
Rewards2x Membership Rewards points on the first $50,000 in purchases each year, then 1x
Credit needed690+
For a business with good personal credit, this card is the cheapest money on this site for the first year: twelve months of 0% on purchases, no annual fee and 2x points on everyday spend. Pay it off before the intro period ends and it costs nothing.
Pros
- 0% intro APR on purchases for 12 months
- No annual fee
- 2x points on all purchases up to $50,000 a year
- Expanded buying power above the credit limit
Cons
- Requires good to excellent personal credit
- No 0% period on balance transfers
- Points, not cash, unless you redeem for statement credit
- 2.7% foreign transaction fee
SpBest for high spenders
Capital One Spark Cash Plus · Business charge card
4.4/5None (pay in full)
Annual fee$150
Intro APRNone (pay in full)
RewardsUnlimited 2% cash back on every purchase
Credit needed720+
Two percent on everything with no preset spending limit suits a business that already runs six figures through its cards and pays in full. The $150 fee is refunded once you spend $150,000 in a year, which is the point at which this card beats the no-fee options anyway.
Pros
- Unlimited 2% cash back
- No preset spending limit
- Annual fee refunded at $150,000 in spend
- No foreign transaction fees
Cons
- Must be paid in full each month
- $150 annual fee
- Excellent credit required
- No intro APR
How we chose
Cards were scored on rewards value for typical small business spend, the length and scope of 0% intro periods, annual fee, welcome bonus value relative to the spend required, and the credit profile needed to be approved.
Market note, November 2026. Issuers continue to compete on welcome bonuses rather than ongoing rates. Twelve-month 0% windows on purchases remain standard; balance-transfer offers on business cards are rare.
How to get one
- Step 1
Apply with your EIN but expect a personal credit check
Sole proprietors can apply with a Social Security number. Approval is based on your personal score.
- Step 2
Pick the card for your largest expense
Flat-rate for mixed spend; category cards if one line item dominates.
- Step 3
Use the intro period deliberately
Plan what you will finance at 0% and when it will be paid off. Set the payoff date before the first purchase.
How to compare offers
Reporting to personal credit
Most business cards do not report ordinary activity to personal bureaus, which protects your personal utilization. Capital One does report.
Frequently asked questions
Can I get a business credit card with a new business?
Yes. Approval rests on your personal credit. A new LLC or a sole proprietorship with no revenue can be approved.
Does a business credit card build business credit?
Issuers that report to business bureaus (Amex, Chase, Capital One among them) build your business file with on-time payments.