Best Small Business Credit Cards of 2023

If you’re a freelancer, independent contractor, or small business owner in need of a business credit card that offers valuable rewards, consider the Ink Business Cash^® Credit Card. It has no annual fee, a valuable sign-up bonus for new cardmembers, and rewards for common business purchases.

You don’t even need an Employer Identification Number (EIN) to apply; sole proprietors and people who run side hustles can take advantage of this card’s benefits, too.

With the Ink Business Cash card, you’ll earn 5% cash back at the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. You’ll also earn 2% cash back at the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.

For business owners who prefer to pay their balance in full each month, the New Business Card! Ink Business Premier℠ Credit Card offers Increased spending power, competitive rewards for business spending, and strong travel benefits. 

Small business owners who pay in full will gain greater spending capacity, and for eligible purchases, the Flex for Business benefit offers the ability to pay off certain purchases over time with interest.

Cardholders can earn unlimited 2.5% on purchases of $5,000 or more and 2% on all other business purchases. For travel, the Ink Business Premier offers unlimited 5% on travel purchased through Chase Ultimate Rewards, no foreign transaction fees, and several travel protections that include primary rental car collision insurance and roadside dispatch.

The Ink Business Premier also offers additional employee cards at no added cost to track spending and increase reward earnings. Pay your monthly cell phone bill with this card and receive cell phone coverage for yourself and each employee listed on your bill  (up to $1,000 per claim, max 3 claims per year, $100 deductible per claim.)

The Ink Business Unlimited^® Credit Card is best for business owners who want a simple, easy-to-use rewards card. It has an easy-to-earn sign-up bonus, a flat rewards structure on all purchases, and an introductory APR offer on purchases that can help you save money. And, there’s no annual fee.

You’ll earn a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

If you have a major purchase coming up for your business, you can take advantage of this card’s 0% introductory APR. You get 0% intro APR on purchases for 12 months  (then 17.74% - 23.74% Variable), giving you a full year to pay down your balance without paying interest charges.

For business owners looking for a rewards card with premium benefits, the Ink Business Preferred^® Credit Card is a standout option. It has a lucrative sign-up bonus, valuable rewards program, and flexible redemption options.

With this card, you’ll earn 3X Chase Ultimate Rewards points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

It also has comprehensive travel benefits, including trip cancellation and interruption insurance, primary car rental insurance, and cell phone protection.

If you’re a business owner looking for a rewards credit card that offers great travel benefits, the American Express^® Business Gold Card is a good choice for you. 

It has a robust welcome offer for new cardmembers, and you can earn valuable rewards on some of your most common business expenses. You’ll earn 4X points per $1 spent on two select categories (up to $150,000 annually, after that 1X) where your business spends the most money.

If you travel often for work, this card is an excellent addition to your wallet. When you book your flight with American Express Travel with your Membership Rewards Points, you’ll get 25% of those points back, up to 250,000 points per year.

The Business Platinum Card^® from American Express is best for business owners looking for a rewards card with premium benefits. If you make major purchases throughout the year and travel often, the card can be very useful to you and your business.

New cardmembers can earn a lucrative welcome bonus and generous rewards. You’ll also earn 5X points per $1 spent on flights and prepaid hotels on Amextravel.com. On all other eligible purchases, you’ll get 1X point per $1 spent. However, on eligible purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and eligible purchases of $5,000 or more (up to $2 million per year, then 1X), you receive 1.5X points per $1 spent.

You’ll get Centurion Lounge access at airports, as well as access to the American Express Global Lounge Collection, Delta Sky Club, and Priority Pass Select. Each year, you’ll get up to $200 in airline credits to reimburse you for fees paid to an airline of your choice.

The CitiBusiness^® / AAdvantage^® Platinum Select^® Mastercard^® is a great option for businesses that frequently fly on American Airlines with high travel expenses. Cardholders enjoy perks like a first checked bag free and preferred boarding on American Airlines flights.

Earn 2X miles per dollar on all eligible American Airlines purchases and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations; plus 1X miles on other purchases.

The Blue Business^® Plus Credit Card from American Express offers great rewards and earning incentives on business-related purchases with no annual fee.

Cardmembers can create employee cards, designate an account manager, and receive a complete year-end summary each year. 

Earn 2X Membership Rewards points on everyday eligible business purchases up to $50,000 each year, and 1X points on eligible purchases after that.

For business owners who want to earn rewards without worrying about expensive fees, the American Express Blue Business Cash™ Card is a great option. It has no annual fee and offers a simple rewards structure that’s perfect for busy business owners who don’t want to think about different spending categories.

With the Blue Business Cash Card, you’ll earn 2% cash back on the first $50,000 in eligible purchases each year, then 1% after that. Cash back is received in the form of statement credits.

This is also a good card for large purchases.

The United℠ Business Card is best for business travelers who regularly fly on United and are looking for valuable rewards and travel benefits. This card boasts perks to make your next trip more pleasant.

With the United Business card, you’ll earn 2X miles on United purchases and dining (including eligible delivery services), at gas stations, office supply stores, and on local transit and commuting; and 1X miles on everything else.

Each year, United Business cardmembers who make seven United flight purchases of $100 or more will receive a $100 United travel credit. On your cardmember anniversary each year, United will add two one-time United Club passes to your account, giving you airport lounge access. 

On all United flights, you and your travel companions on the same reservation get priority boarding. When you pay for your flight with your card, you and one companion also get one free checked bag on all United flights.