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Best Business Cards
Designed for business spending. Here are our top picks for 2026.
OUR TOP PICK
American Express
Blue Business Cash Card from American Express
ANNUAL FEE
$0
APR
17.49%-25.49% variable
WELCOME BONUS
$250 statement credit after $3,000 in purchases in 3 months
REWARDS
2% on first $50,000/yr, 1% after
WHY WE LOVE IT
- 2% cash back on all purchases up to $50,000 per year is competitive for a free card
- No annual fee keeps the total cost at zero
- No categories to track or manage, just earn on everything
- $250 statement credit bonus with a low $3,000 spending requirement
- 0% intro APR for 12 months helps finance early business expenses
- Employee cards at no extra cost with spending controls
- Cash back applied automatically as statement credits
- Year-end summaries simplify bookkeeping and tax preparation
- Straightforward value with no point valuations to calculate
MORE GREAT OPTIONS
American Express
Blue Business Plus Credit Card from American Express
NO FEE
Annual Fee:$0
Welcome Bonus:15,000 Membership Rewards points after...
REWARDS
2X on first $50,000/yr, 1X after
American Express
American Express Business Gold Card
Annual Fee:$375
Welcome Bonus:70,000 Membership Rewards points after...
REWARDS
4X on top 2 categories each month (from 6 options) up to $150K/yr, 1X everything else
American Express
American Express Business Green Card
Annual Fee:$95
Welcome Bonus:15,000 Membership Rewards points after...
REWARDS
2X travel, 1X everything else
American Express
The Business Platinum Card from American Express
Annual Fee:$895
Welcome Bonus:Up to 300,000 Membership Rewards...
REWARDS
5X flights/prepaid hotels via Amex Travel, 1.5X on $5K+ purchases, 1X everything else
American Express
Delta SkyMiles Gold Business American Express Card
Annual Fee:$150
Welcome Bonus:75,000 bonus miles after $3,000...
REWARDS
3X Delta, 2X restaurants/supermarkets, 1X everything else
American Express
Delta SkyMiles Platinum Business American Express Card
Annual Fee:$350
Welcome Bonus:90,000 bonus miles after $4,000...
REWARDS
3X Delta, 3X hotels, 2X restaurants/supermarkets, 1X everything else
American Express
Delta SkyMiles Reserve Business American Express Card
Annual Fee:$650
Welcome Bonus:70,000 bonus miles after $5,000...
REWARDS
3X Delta, 1X everything else
American Express
Hilton Honors American Express Business Card
Annual Fee:$195
Welcome Bonus:175,000 Hilton Honors bonus points...
REWARDS
12X Hilton, 6X gas/restaurants/shipping/advertising, 3X everything else
American Express
Marriott Bonvoy Business® American Express Card
Annual Fee:$125
Welcome Bonus:Earn a substantial welcome bonus...
REWARDS
17X at Marriott Bonvoy hotels, 4X at restaurants/gas/wireless/internet, 2X on all other purchases
Bank Of America
Atmos™ Rewards Ascent Visa® Business Card
Annual Fee:$75
Welcome Bonus:75,000 bonus miles plus Alaska's...
REWARDS
3x miles on Alaska Airlines and select business categories, 1x on everything else
Capital One
Capital One Spark 2% Cash Plus
Annual Fee:$150
Welcome Bonus:$2,000 cash bonus after spending...
REWARDS
5% cash back on hotels and rental cars via Capital One Travel, unlimited 2% cash back on every other purchase
Capital One
Capital One Spark 1.5% Cash Select
NO FEE
Annual Fee:$0
Welcome Bonus:$500 cash bonus after spending...
REWARDS
5% cash back on hotels and rental cars via Capital One Travel, unlimited 1.5% cash back on every other purchase
Capital One
Capital One Spark Classic
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
Unlimited 1% cash back on every purchase
Capital One
Capital One Venture X Business
Annual Fee:$395
Welcome Bonus:150,000 bonus miles after spending...
REWARDS
10X miles on hotels and rental cars via Capital One Travel, 5X miles on flights via Capital One Travel, 2X miles on every other purchase
Chase
IHG One Rewards Premier Business Credit Card
Annual Fee:$99
Welcome Bonus:Free night reward after first...
REWARDS
26X total points at IHG hotels, 5X on travel/gas/dining, 3X on all other purchases
Chase
Ink Business Cash® Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$750 bonus cash back after...
REWARDS
5% on office supplies, internet, and phone (first $25K/year); 2% on gas and dining (first $25K/year); 1% on everything else
Chase
Ink Business Preferred® Credit Card
Annual Fee:$95
Welcome Bonus:100,000 bonus points after $8,000...
REWARDS
3X on first $150K in travel, shipping, internet, phone, and advertising; 1X on everything else
Chase
Ink Business Unlimited® Credit Card
NO FEE
Annual Fee:$0
Welcome Bonus:$750 bonus cash back after...
REWARDS
Unlimited 1.5% cash back on every purchase
Chase
Southwest® Rapid Rewards® Performance Business Credit Card
Annual Fee:$299
Welcome Bonus:80,000 Rapid Rewards points after...
REWARDS
4X on Southwest purchases, 2X on Rapid Rewards hotel/car partners and local transit/commuting, 2X on internet/cable/phone, 1X on everything else
Chase
United℠ Business Card
Annual Fee:$0 introductory annual fee for the first year, then $99
Welcome Bonus:75,000 bonus miles after $5,000...
REWARDS
2X miles on United Airlines, dining, and gas station purchases; 1X on everything else
Chase
World of Hyatt Business Credit Card
Annual Fee:$199
Welcome Bonus:Up to 60,000 bonus points:...
REWARDS
4X on Hyatt purchases, 2X on transit/dining/gym/fitness, 1X on all other purchases
Citi
Citi® Business with ThankYou® Points
NO FEE
Annual Fee:$0
Welcome Bonus:20,000 ThankYou points after spending...
REWARDS
2X ThankYou points on dining and gas stations, 1X on everything else
Citi
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Annual Fee:$0 intro for the first year, then $99
Welcome Bonus:65,000 American Airlines AAdvantage bonus...
REWARDS
2X AAdvantage miles on eligible American Airlines purchases, telecommunications, car rentals, and gas stations; 1X on everything else
Citi
Costco Anywhere Visa® Business Card by Citi
Annual Fee:$0 (Costco membership required)
Welcome Bonus:No welcome bonus...
REWARDS
5% on Costco gas (up to $7,000/year), 4% on other gas and EV charging, 3% on restaurants and eligible travel, 2% on Costco and Costco.com purchases, 1% on everything else
Us Bank
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
NO FEE
Annual Fee:$0
Welcome Bonus:Earn $500 cash back after...
REWARDS
5X on prepaid hotels and car rentals through the Travel Center, 3% on gas stations, office supply stores, cell phone service providers, and restaurants, 1% on everything else
Wells Fargo
Wells Fargo Signify Business Cash℠ Card
NO FEE
Annual Fee:$0
Welcome Bonus:$750 cash rewards bonus after...
REWARDS
2% cash back on first $50,000 in qualifying purchases each year, then 1%
What to Consider
How do I choose the right business cards card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most business cards cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all business cards cards or explore other categories to find your perfect match.