Credit Cards for Business

Updated: Jan 12, 2026 at 4:46 PM EST
Olena's picture
Written by Olena Odnokoz
Yuriy's picture
Edited by Yuriy Ilchenko

Business credit cards are designed for businesses and organizations to manage expenses and make purchases. They offer the advantage of separating business and personal expenses, simplifying accounting and tax processes. With features such as expense management tools, rewards programs tailored to business spending, and business-specific benefits like integration with accounting software and dedicated customer support, these cards provide businesses with better financial control, the opportunity to earn rewards, and access to short-term financing.

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Business Advantage Travel Rewards
Apply now

On Bank of America's Secure Website

Business Advantage Travel Rewards
4.4
Annual fee: $0

Intro APR

Purchases: 0%, 7 billing cycles

Balance Transfers: N/A

Regular APR

16.74% - 26.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5x points per $1 spent on all purchases.

1.5x Points

Welcome Offer Earn 50,000 bonus points after spending $5,000 in the first 3 months.

50,000 Points

» Learn More: Read Card's Review
IHG One Rewards Premier Business
Apply now

On Chase's Secure Website

IHG One Rewards Premier Business
4.2
Annual fee: $99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Up to 26x Points at IHG® Hotels and Resorts:** 10x points for every $1 spent with the IHG One Rewards Premier Card + up to 10x points as an IHG One Rewards member + up to 6x point with Platinum Elite Status, a benefit of being an IHG One Rewards Premier cardmember. Earn 5x points on travel, dining, select business purchases, and gas, plus 3x points on all other purchases.

3x - 10x Points

Welcome Offer Earn 140,000 bonus points after spending $4,000 in the first 3 months. That's up to 4 nights at IHG Hotels & Resorts.

140,000 Points

» Learn More: Read Card's Review
Platinum Plus® Mastercard® Business
Apply now

On Bank of America's Secure Website

Platinum Plus® Mastercard® Business
3.4
Annual fee: $0

Intro APR

Purchases: 0%, 7 billing cycles

Balance Transfers: N/A

Regular APR

14.74% - 25.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Custom Pay Plan

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer Earn a $300 cash rewards bonus after spending $3,000 in the first three months.

$300

» Learn More: Read Card's Review
Signify Business Cash®
Apply now

On Wells Fargo's Secure Website

Signify Business Cash®
4.4
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

16.74% - 24.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $500 cash rewards bonus after spending $5,000 in the first three months.

$500

» Learn More: Read Card's Review
Ink Business Unlimited®
Apply now

On Chase's Secure Website

Ink Business Unlimited®
4.4
Annual fee: $0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

16.74% - 24.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn unlimited 1.5% cashback on all purchases. Plus, earn 5% cashback on Lyft rides through September 30, 2027.

1.5% - 5% Cashback

Welcome Offer Earn a $750 cashback bonus after spending $6,000 on purchases in the first three months after account opening.

$750

» Learn More: Read Card's Review
United Club Business
Apply now

On Chase's Secure Website

United Club Business
4.7
Annual fee: $695

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

740-850 (Excellent)

Rewards Earn 7x miles on United flights: 5x miles as a MileagePlus member + 2x miles with the United Club Business Card. Earn 2x miles on other eligible United purchases. Earn 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts. Earn 1.5x miles on all other purchases.

1.5x - 5x Miles

Welcome Offer Earn 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after spending $5,000 on purchases in the first 3 months. Plus, earn 10,000 bonus miles after you add an employee card in the first 3 months.

110,000 Miles + 2,000 Premier qualifying points (PQP)

» Learn More: Read Card's Review
New Sapphire Reserve For Business℠
Apply now

On Chase's Secure Website

New Sapphire Reserve For Business℠
4.5
Annual fee: $795

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

No APR since the balance is due in full every month

Buy Now, Pay Later N/A

N/A

Credit Score

740-850 (Excellent)

Rewards Earn 8x Points on all Chase Travel purchases**, including The Edit℠. Earn 5x Points on Lyft Rides through 9/30/27. Earn 4x Points on flights and hotels booked directly. Earn 3x Points on social media and search engine advertising, plus 1x Points on all other purchases. Purchases that qualify for the $300 Annual Travel Credit or the $500 Edit Hotel Credit do not earn points.

1x - 8x Points

Welcome Offer Earn 150,000 bonus points after spending $20,000 in the first three months.

150,000 Points

» Learn More: Read Card's Review
World of Hyatt Business
Apply now

On Chase's Secure Website

World of Hyatt Business
3.9
Annual fee: $199

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 9x points at Hyatt Hotels: 4x points per $1 on qualifying purchases with your card and 5x points as a World of Hyatt member. Also, earn 2x points in your top two categories each quarter, 2x points on fitness club and gym memberships, plus 1x point on all other purchases.

1x - 4x Points

Welcome Offer Earn 60,000 bonus points after spending $5,000 in the first 3 months.

60,000 Points

» Learn More: Read Card's Review
Southwest Rapid Rewards® Premier Business
Apply now

On Chase's Secure Website

Southwest Rapid Rewards® Premier Business
4.3
Annual fee: $99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.24% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points per $1 spent on Southwest Airlines® purchases. Earn 2x points per $1 spent on Rapid Rewards hotel and car rental partner purchases. Earn 2x points per $1 spent on local transit and commuting, including ride-share services. Earn 1x point per $1 spent on everyday purchases.

1x - 3x Points

Welcome Offer Earn 60,000 points after spending $3,000 in the first 3 months.

60,000 Points

» Learn More: Read Card's Review
Costco Anywhere Visa® Business
Apply now

On Citi's Secure Website

Costco Anywhere Visa® Business
3.2
Annual fee: $0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 26.74% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on gas at Costco and 4% on other eligible gas and EV charging for the first $7,000 per year. Earn 3% cashback on restaurants and eligible travel purchases, including Costco Travel. Earn 2% cashback on all other purchases from Costco and Costco.com. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer N/A

N/A

» Learn More: Read Card's Review


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