Best Business Credit Cards of 2026

The Business Platinum Card® from American Express delivers exceptional value for businesses with significant travel spend. The massive 150,000-point bonus is worth $3,000+ in travel, and the 35% points rebate on flights booked through Amex Travel effectively makes your flights cost less. The business credits for Dell, Indeed, and Adobe add even more value.

• Earn 150,000 Membership Rewards® points after spending $20,000 in the first 3 months
• 5X points on flights and prepaid hotels booked through Amex Travel
• 1.5X points on purchases of $5,000+ (up to 1M points/year)
• 35% points rebate when using Pay with Points for flights via Amex Travel
• $200 Dell Technologies credit per year
• $150 Indeed credit per year
• $120 wireless telephone credit per year
• Access to Centurion Lounges, Priority Pass Select, Delta Sky Club
• No foreign transaction fees

The Ink Business Preferred® offers a 100,000-point welcome bonus after spending $8,000 in 3 months (valued at $1,250+ when transferred to partners). The card earns 3X on travel, shipping, internet, cable, phone services, and advertising on social media and search engines (up to $150,000/year combined). The annual fee is $95.

• Earn 100,000 Ultimate Rewards® points after spending $8,000 in the first 3 months
• 3X points on the first $150,000 spent annually in combined purchases on travel, shipping, internet, cable, phone services, and advertising
• 1X points on all other purchases
• Points transfer 1:1 to United, Hyatt, Southwest, Marriott, and 10+ other partners
• 25% more value when redeeming for travel through Chase Travel℠
• Cell phone protection up to $1,000 per claim
• Purchase protection and extended warranty coverage
• No foreign transaction fees

The American Express® Business Gold Card is ideal for businesses with diverse spending patterns. Each month, you automatically earn 4X points on your top 2 categories from a list including airfare, U.S. restaurants, advertising, shipping, computer hardware, and gas stations. This adaptive approach means you don't need to track categories.

• Earn 70,000 Membership Rewards® points after spending $10,000 in the first 3 months
• 4X points on your top 2 spending categories each billing cycle (up to $150K/year, then 1X)
• Categories include: airfare, U.S. advertising, U.S. gas stations, U.S. restaurants, shipping, computer hardware/software/cloud computing
• 25% bonus when using points for flights via Amex Travel
• No preset spending limit
• Flexible payment options for large purchases
• Transfer to 20+ airline and hotel partners
• No foreign transaction fees

The Capital One Spark Cash Plus offers the highest flat-rate cash back for businesses. Earn unlimited 2% on every purchase with no categories to track or caps to worry about. The $1,200 bonus is one of the largest cash bonuses available. Best for businesses wanting simplicity over complexity.

• Earn $1,200 cash bonus: $500 after spending $5,000 in first 3 months, plus $700 after spending $50,000 in first 6 months
• Unlimited 2% cash back on every purchase
• 5% cash back on hotels and rental cars booked through Capital One Travel
• No preset spending limit
• Annual fee waived with $5M+ annual spend
• Employee cards at no additional cost
• Purchase records and quarterly/annual statements
• No foreign transaction fees

The Ink Business Cash® is a must-have for small business owners. With $0 annual fee, you still get 5% back at office supply stores and on internet, cable, and phone services, expenses nearly every business has. The 2% on gas and restaurants covers travel too. Pair with Ink Preferred to transfer to partners.

• Earn $350 after spending $3,000 in the first 3 months
• 5% cash back on first $25,000 spent annually at office supply stores and on internet, cable, and phone services
• 2% cash back on first $25,000 spent annually at gas stations and restaurants
• 1% cash back on all other purchases
• 0% intro APR on purchases for 12 months, then 18.49% - 24.49% Variable
• Employee cards at no additional cost
• Combine points with other Chase cards for transfer partners
• $0 annual fee

The Blue Business® Plus is the smartest no-fee business card for points enthusiasts. Earn 2X Membership Rewards points on all purchases (up to $50K/year) and transfer to the same airline/hotel partners as Amex Gold and Platinum. The 0% intro APR helps with cash flow management.

• Earn 15,000 Membership Rewards® points after spending $3,000 in first 3 months
• 2X points on everyday business purchases up to $50,000 per year, then 1X
• 0% intro APR on purchases for 12 months
• Transfer points to 20+ airline and hotel partners
• Expanded buying power beyond your credit limit
• Connect to QuickBooks, Quicken, and other software
• Employee cards at no additional cost
• $0 annual fee

The Ink Business Unlimited® offers the best welcome bonus among no-fee business cards at $750. Earn unlimited 1.5% on every purchase without tracking categories. When paired with Ink Business Preferred®, your cash back converts to Ultimate Rewards points transferable to travel partners.

• Earn $750 after spending $6,000 in the first 3 months
• Unlimited 1.5% cash back on every purchase
• 0% intro APR on purchases for 12 months, then 18.49% - 24.49% Variable
• Points can transfer to airline/hotel partners when combined with Sapphire or Ink Preferred
• Employee cards at no additional cost
• Purchase protection and extended warranty
• Free employee cards
• $0 annual fee

The U.S. Bank Business Triple Cash Rewards stands out with its industry-leading 15-month 0% intro APR, perfect for financing large business purchases. The 3% categories cover gas, office supplies, cell phone services, and restaurants, plus you get a $100 annual credit for business software subscriptions.

• Earn $500 cash back after spending $4,500 in the first 150 days
• 3% cash back on gas station and EV charging purchases
• 3% cash back on office supply stores
• 3% cash back on cell phone service providers
• 3% cash back at restaurants
• 1% cash back on all other eligible purchases
• 0% intro APR on purchases and balance transfers for 15 billing cycles
• $100 annual credit for eligible software subscription purchases
• $0 annual fee

If your business orders regularly from Amazon Business, this card is a no-brainer. Earn 5% back on all Amazon Business and Whole Foods purchases with an eligible Prime membership. The 90-day payment terms help manage cash flow on larger orders. The 2% at restaurants, gas stations, and wireless providers adds everyday value.

• Earn $125 Amazon.com gift card upon approval
• 5% back at Amazon Business, AWS, Amazon.com, and Whole Foods with eligible Prime membership
• 2% back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% back on all other purchases
• 90-day payment terms on select purchases
• Detailed analytics and spending insights
• Employee cards at no additional cost
• $0 annual fee (requires Prime membership)

The American Express Blue Business Cash™ Card offers simple, straightforward rewards: 2% cash back on all eligible purchases up to $50,000 per year, then 1%. No categories to track, no points to transfer, just cash back. The 0% intro APR for 12 months helps with cash flow management.

• Earn $250 statement credit after spending $5,000 in first 3 months
• 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%
• 0% intro APR on purchases for 12 months
• Expanded buying power lets you spend beyond your credit limit
• Connect to accounting software like QuickBooks and Xero
• Employee cards at no additional cost
• Vendor Pay by Bill.com integration
• $0 annual fee