Best Business Credit Cards of June 2024 (2024)

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Miles Select for Business†, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Capital One Spark 1% Classic†, Chase Freedom Flex℠, Capital One Spark Miles for Business†. The details for these products have not been reviewed or provided by the issuer.

Introduction to Business Credit Cards

Business credit cards can completely transform your perspective on company expenses. Every dollar spent on business necessities can earn rewards toward a well-deserved vacation or extra cash in the bank. Better yet, the best business credit cards offer benefits that can add a layer of protection for valuable company assets.

Our expert recommendations evaluate the best business credit cards so you can find the option that best fits your spending style, rewards preferences, and financial goals.

Compare the Top Business Credit Cards

Best Business Credit Cards of June 2024

These are the best business credit cards available this month, as chosen by Business Insider's personal finance experts.

• Ink Business Preferred® Credit Card: Best intro bonus offer
• The Business Platinum Card® from American ExpressBest for premium travel perks
• The American Express Blue Business Cash™ Card: Best flat-rate cash back with no annual fee
• Ink Business Unlimited® Credit Card: Best for maximizing cash back
• The Blue Business® Plus Credit Card from American Express: Best for travel rewards with no annual fee
• Capital One Spark Miles Select for Business† : Best for flat rate miles with no annual fee
• American Express® Business Gold Card: Best for big spenders
• Ink Business Cash® Credit Card: Best for office supplies and wireless
• U.S. Bank Business Triple Cash Rewards World Elite Mastercard® : Best rewards card with a generous intro 0% APR offer
• Capital One Spark 1% Classic† : Best for fair credit

Best Business Credit Card Reviews

The best business credit cards for small business owners offer generous rewards on common business expenses, travel and purchase protections and benefits, and other perks that make your busy life a little bit easier. Some of them come with annual fees, but many other great candidates do not, giving you plenty of options.

Each of the cards in this guide has been chosen for unique benefits that are valuable beyond standard requirements, such as generous reward rates or 0% introductory APR period. These are the best business credit cards of 2024, as chosen by Business Insider's team of credit card experts.

Best Intro Bonus Offer: Ink Business Preferred® Credit Card

The Ink Business Preferred® Credit Card is an ideal option if you're looking to earn valuable, flexible rewards points on your business spending through the Chase Ultimate Rewards® program. If you already have one of the popular Chase cards that earn these rewards — like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® — you'll earn even more by adding this card to your wallet.

This card consistently offers a generous welcome bonus, although the high spending requirement on this offer may be hard for smaller businesses to meet.

Like the Sapphire cards mentioned above, the Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points. You can either keep the rewards you earn on your Ink card separate from the rest of your Ultimate Rewards stash, or you can transfer the points to your personal credit cards. These points can be traded for cash back or transferred to frequent flyer and hotel loyalty partners.

If you transfer your Ultimate Rewards points to a personal card to purchase travel through Chase, you can get a 25% bonus if you use your personal Chase Sapphire Preferred® Card, or a 50% bonus if you move your Ink points to your Ink Business Preferred® Credit Card.

What our experts love: Generous welcome offer, cellphone protection, and great rewards on travel, shipping, and advertising spend.

What our experts don't love: This card has an annual fee, which may deter business owners who don't want to pay money to hold a credit card.

Read our Chase Ink Business Preferred card review to learn more about this card.

Best for Premium Travel Perks: The Business Platinum Card® from American Express

The Business Platinum Card® from American Express is the business version of American Express' famed The Platinum Card® from American Express, and it used to be our pick for the top business card.

But since then, this card's annual fee has since increased, and it's become a bit more of a niche product. The Business Platinum Card® from American Express is potentially useful for mid-sized businesses that spend a lot on flights and travel, but less valuable for sole proprietors and very small operations.

The Business Platinum card added new benefits, including new 1.5x earning categories on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year as well as annual statement credits for wireless, Indeed, Adobe purchases, and Dell**.

You'll get lots of perks with this card including generous statement credits, plus 5x Amex Membership Rewards points on airfare and prepaid hotels when you book through American Express Travel. However, the annual fee of The Business Platinum Card® from American Express is quite steep, and smaller companies may struggle to meet the spending requirement for the welcome bonus.

Read our Amex Business Platinum card review to learn more about this card.

Best for Flat Rate Cash Back with No Annual Fee: The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is a good choice if you prefer straightforward cash-back earning without having to worry about keeping track of bonus categories. Business Insider considers it to be the best 2% cash back credit card for small business owners.

With this card, you earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year, then 1% back (cash back is received in the form of Reward Dollars).

For small businesses with big expenses on the horizon, there's a 0% intro APR on purchases for 12 months from account opening (then a 18.49% - 26.49% Variable APR) that can help you save some money on interest, as well. New cardholders can also earn $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.

Read our Amex Blue Business Cash card review to learn more about this card.

Best for Maximizing Cash Back: Ink Business Unlimited® Credit Card

The Ink Business Unlimited® Credit Card is a simple one at first glance, earning unlimited 1.5% cash back. However, just like the consumer Chase Freedom Flex℠ and Chase Freedom Unlimited® cards, the Ink Business Unlimited® Credit Card has a trick up its sleeve.

Although the card is marketed as "cash back," it earns Chase Ultimate Rewards points that you can redeem for cash (1 point = 1 cent). That means that you can combine the points earned from the Ink Business Unlimited® Credit Card with the ones you earn from cards like the Ink Business Preferred® Credit Card, or the personal Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, and either earn a bonus when you redeem them for travel through Chase, or transfer them to travel partners. When those points are combined onto an Ink Business Preferred® Credit Card, you'll get a guaranteed 1.5–3 points per dollar spent.

The card also offers a 0% intro APR on purchases for the first 12 months on purchases, followed by a 18.49% - 24.49% Variable APR, so it's a good choice if you have expenses coming up that you want to spread out over time.

What the experts love: The welcome bonus offer is especially impressive for a no-annual-fee card.

What the experts don't love:This card isn't as valuable on its own — you need to hold another Chase card to maximize your rewards.

Read ourChase Ink Business Unlimited Credit Card review to learn more about this card.

Best for Travel Rewards with No Annual Fee: The Blue Business® Plus Credit Card from American Express

It's a rare points-earning business card that doesn't charge an annual fee. But with The Blue Business® Plus Credit Card from American Express, you'll earn 2 points per dollar on the first $50,000 you spend each calendar year, without any bonus categories you need to track.

According to Business Insider's points and miles valuations, Amex points are worth 1.8 cents apiece on average, so you're getting a 3.6% return on all your business spending up to $50,000 each year.

The card is currently offering 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership.

What the experts love:2x points on up to $50,000 spent per year (then 1x), with no annual fee.

What the experts don't love: The welcome bonus is meager compared to many other cards.

Read our Amex Blue Business Plus credit card reviewto learn more about this card.

Best for Flat Rate Miles with No Annual Fee: Capital One Spark Miles Select for Business†

The Capital One Spark Miles Select for Business† recently increased its welcome bonus to 50,000 miles after spending $4,500 on purchases within the first three months from account opening. That's a rare deal from a no-annual-fee business card, and more than double the usual offer.

Cardholders earn 1.5 miles per dollar on purchases (except hotels and car rentals booked through Capital One Travel, which earn 5 miles per dollar). There are no pesky foreign transaction fees to worry about, and you'll get a few travel benefits, including roadside assistance and secondary car rental insurance.

The redemption options on this card are similar to that of its big sibling, the Capital One Spark Miles for Business† . Based on Business Insider's valuations, you can expect to get around $850 in travel from this card's bonus.

What the experts love:A strong welcome bonus and earning for no annual fee make the card an affordable entry point if you're interested in earning credit card rewards for travel.

What the experts don't love: Light on benefits compared to other travel credit cards, no intro APR offer.

Read our Capital One Spark Miles Select for Business review to learn more about this card.

Best for Big Spenders: American Express® Business Gold Card

If you don't want to pay the higher annual fee of The Business Platinum Card® from American Express, the American Express® Business Gold Card is a good alternative. And depending on your spending habits, the Business Gold could be a more rewarding choice, thanks to the ability to earn 4x points on popular business spending categories on the first $150,000 in combined purchases each calendar year in the two select categories where your business spent the most each month; then 1x.

Eligible 4x categories are:

• U.S. gas stations
• U.S. restaurants (including takeout and delivery)
• U.S. wireless telephone service provider
• U.S. purchases made from electronic goods retailers and software & cloud system providers
• U.S. purchases for advertising in select media (online, TV, radio)
• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways

This card currently comes with a big welcome offer of 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of card membership (worth $1,260 based on Business Insider's valuations). Cardholders also receive a decent selection of travel and shopping perks.

What the experts love:High level of customization when it comes to where you earn the most rewards

What the experts don't love: This card is the only premium Amex card that doesn't offer a statement credit to offset the annual fee.

Read our Amex Business Gold Card reviewto learn more about this card.

Best for Office Supplies and Wireless Expenses: Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is another solid Chase entry. Just like with the Ink Business Unlimited® Credit Card, you can pool the "cash" you earn with points from a points-earning card, effectively converting your cash into (potentially) more valuable points.

The Ink Business Cash® Credit Card is an especially good option if you can maximize its bonus categories, including office supply stores, internet, cable, and restaurants, among others. The card earns 5% cash back (5x points) at office supply stores and on internet, cable, and phone services, and 2% cash back (2x points) at gas stations and restaurants. You'll earn 5% and 2% in these categories on the first $25,000 in combined purchases each account anniversary year (then 1%), and 1% cash back (1 point per dollar) on all other purchases with no caps.

New cardholders can also take advantage of a 0% intro APR on purchases for the first 12 months (then a 18.49% - 24.49% Variable APR), making this card a good choice for big purchases you want to pay off over several months.

What the experts love:No annual fee, you can earn up to 5% cash back

What the experts don't love:Not the best option if you don't spend a lot within the 5% cash-back categories

Read our Chase Ink Business Cash credit card reviewto learn more about this card.

Best Rewards Card with Generous 0% Intro APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard

If you're looking for a rewards-earning business card with a generous 0% APR on both purchases and balance transfers, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is an excellent choice, and the best U.S. Bank credit card for small-business owners. Cardholders receive a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a 19.24% - 28.24% Variable APR, which is very uncommon on business cards.

The card's welcome offer and earnings aren't anything to sniff at, either. New cardholders can earn $500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account (authorized user purchases won't count, however).

You'll also earn 5% cash back on prepaid hotels and car rentals booked through the U..S Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases.

Another unique feature of the card is an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks. If you already subscribe to these services, the statement credit is a nice bonus — and it's particularly unusual for a no-annual-fee card.

What the experts love: Long intro APR on purchases and balance transfers, good bonus and earning rates, software subscription statement credit

What the experts don't love: Foreign transaction fees

Read our U.S. Bank Triple Cash Rewards card review to learn more about this card.

Best for Fair Credit: Capital One Spark 1% Classic†

Whether you have a new business or just don't have a ton of credit history, the Capital One Spark 1% Classic† could be a good stepping stone. It's possible to get approved for the card with just fair credit, whereas most other business cards that earn rewards require a good or even excellent credit score.

The card offers 1% cash back on all purchases, which isn't spectacular, but as a starter business card, it's not bad. There are no annual fees or foreign transaction fees, and employee cards are free to add (you'll earn rewards for their purchases, too).

You'll also receive a handful of good benefits, including secondary car rental insurance, purchase protection against damage or theft, extended warranty on eligible items, and travel and emergency assistance services.

What the experts love: You only need fair credit to be considered for approval, decent benefits for a starter card, no foreign transaction fees or annual fee

What the experts don't love:Card only earns 1% cash back across the board, no welcome bonus offer

Learn more about this card in our review of the Capital One Spark Classic for Business.

Business Credit Card Frequently Asked Questions

Why You Should Trust Us: How We Chose the Best Business Credit Cards

Business Insider evaluated dozens of business credit cards that are currently open to new applicants, including several no-annual-fee business cards. We narrowed the list down based on the following criteria:

• Sign-up bonus — Does the card offer a valuable welcome bonus offer to new cardholders who meet a minimum spending requirement?
• Ongoing rewards — Beyond the welcome bonus offer, does the card offer a competitive rate of points or cash back on purchases?
• Other features — Does the card come with any additional benefits, such as travel protection, free employee cards, cell phone insurance, or primary car rental insurance?
• Annual fee — If the card has an annual fee, does it offer enough benefits to justify it?

Read more about how we rate credit cards at Business Insider.