Last fact checked: May 8, 2026 at 10:19 PM
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Best Business Credit Cards of May 2026

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BCC Editor's Pick 2026
The Business Platinum Card from American Express card art Rates & Fees

The Business Platinum® Card from American Express

5.0 BCC Score
Apply Now

on American Express' secure site

Welcome Offer
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Rewards Rate
5X points on flights and prepaid hotels on AmexTravel.com. 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. 1X points on other eligible purchases.
Intro APR
N/A, then 17.74% - 28.49% Variable
Annual Fee
$895
Credit Score Needed
Good, Excellent
Card Brand
AMEX
  • As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
  • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • Terms Apply.

Pros

  • Potentially large welcome offer to kickstart your rewards earning
  • Stellar rewards rate on flights
  • Generous points bonuses for select purchases

Cons

  • No intro APR for purchases or balance transfers
  • The $895 annual fee is rather high
BCC Editor's Pick 2026
Capital One Spark Cash Plus card art Rates & Fees

Capital One Spark Cash Plus

4.5 BCC Score
Apply Now

on Capital One's secure site

Welcome Offer
Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Rewards Rate
2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Intro APR
N/A, then N/A
Annual Fee
$150
Credit Score Needed
Excellent
Card Brand
Visa®
  • Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
  • Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
  • Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
  • Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
  • $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
  • Spark Cash Plus has no APR because your balance is due in full every month
  • For businesses that need large spending capacity and want to maximize cash back
  • Top rated mobile app

Pros

  • Unlimited cash back rewards and with no caps or expirations
  • Earn a big sign up bonus
  • Enjoy the flexibility and convenience of a charge card

Cons

  • No intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash Plus.
  • There is an annual fee of $150
Revenued Business Card card art

Revenued Business Card

4.5 BCC Score
Apply Now

on Revenued's secure site

Welcome Offer
Rewards Rate
Intro APR
N/A, then N/A
Annual Fee
None
Credit Score Needed
No Credit, Fair, Poor, Good, Excellent
Card Brand
Visa
  • No origination fees, maintenance fees, or draw fees
  • As your revenue increases, your spending limit increases
  • Access cash on demand with funds deposited straight into your bank account via the Flex Line
  • Approvals based on your business revenue and not personal credit
  • 24/7 access to business funding - via mobile app and Visa business card
  • Fast and easy - apply online and receive a funding decision in as little as an hour
  • Rated Excellent on Trustpilot with 600+ reviews

Pros

  • No origination fees, maintenance fees, or draw fees
  • Approvals based on your business revenue and not personal credit

Cons

  • High factor rates
  • Cannot build personal credit with this card
Ink Business Preferred Credit Card card art Rates & Fees

Ink Business Preferred® Credit Card

4.5 BCC Score
Apply Now

on Chase's secure site

Welcome Offer
100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening
Rewards Rate
Earn 3 points per $1 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. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Intro APR
N/A, then 17.74% - 26.74% Variable
Annual Fee
$95
Credit Score Needed
Excellent/Good
Card Brand
Visa®
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Earn 5x total points on Lyft rides through 9/30/27.
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Receive complimentary access to DashPass by DoorDash.
  • Member FDIC

Pros

  • Earn a large welcome offer
  • Enjoy elevated points in popular business categories
  • Pay no foreign transaction fees

Cons

  • No Intro APR on purchases or balance transfers
  • There is an annual cap on the amount of elevated points you can earn on travel and select business categories
Capital One Venture X Business card art Rates & Fees

Capital One Venture X Business

5.0 BCC Score
Apply Now

on Capital One's secure site

Welcome Offer
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
Rewards Rate
2 Miles per dollar on every purchase, 5 Miles per dollar on flights and vacation rentals booked through Capital One Business Travel, 10 Miles per dollar on hotels and rental cars booked through Capital One Business Travel
Intro APR
N/A, then N/A
Annual Fee
$395
Credit Score Needed
Excellent
Card Brand
Visa
  • Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
  • Top rated mobile app

Pros

  • Earn unlimited miles on every purchase, everywhere.
  • The generous loyalty program gives accounts 10,000 bonus miles after your account anniversary date every year.
  • Enjoy employee and virtual cards at no extra cost.

Cons

  • There is a large annual fee that is not waived for the first year like some other business cards.
  • This is a pay-in-full card; Balance transfers are not available on Venture X Business and there is no intro or ongoing APR for purchases. All ongoing balances will be charged 2.99% of the unpaid portion.
Capital One Spark Cash card art Rates & Fees

Capital One Spark Cash

4.5 BCC Score
Apply Now

on Capital One's secure site

Welcome Offer
Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening
Rewards Rate
2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Intro APR
N/A, then 24.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Score Needed
Excellent
Card Brand
Mastercard®
  • Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
  • For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • Top rated mobile app

Pros

  • Unlimited cash back rewards and with no caps or expirations
  • Earn a big sign up bonus

Cons

  • No Intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash
  • Excellent credit is recommended for this card
Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card card art

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.5 BCC Score
Apply Now

on Bank of America's secure site

Welcome Offer
$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate
1.5% cash back on purchases
Intro APR
0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases
Annual Fee
$0
Credit Score Needed
Excellent
Card Brand
Mastercard®
  • $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No annual cap and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - the security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

  • Unlimited cash back with no restrictions or bonus categories to worry about
  • Earn a big sign up bonus for new cardholders
  • Pay no annual fee and enjoy a lengthy intro APR on purchases

Cons

  • No intro APR on balance transfers
  • There is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card card art

Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card

4.5 BCC Score
Apply Now

on Bank of America's secure site

Welcome Offer
$500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate
3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases
Intro APR
0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases
Annual Fee
$0
Credit Score Needed
Excellent
Card Brand
Mastercard®
  • $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
  • You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
  • You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
  • No annual fee.
  • Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
  • To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

  • Pay no annual fee
  • Flexible cash back program helps you earn rewards where it matters most
  • Enjoy a low intro APR period on purchases

Cons

  • There is no intro APR period on balance transfers
  • There is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction
Bank of America Business Advantage Travel Rewards World Mastercard credit card card art

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

4.5 BCC Score
Apply Now

on Bank of America's secure site

Welcome Offer
50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Rewards Rate
1.5 points for every $1 spent on all purchases everywhere, every time
Intro APR
0% Intro APR for 7 billing cycles and N/A, then 16.74% - 26.74% Variable APR on purchases
Annual Fee
$0
Credit Score Needed
Excellent
Card Brand
Mastercard®
  • 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
  • No limit to the amount of points you can earn and points don't expire as long as your account remains open.
  • No annual fee and no international transaction fees.
  • Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
  • 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% will apply.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

  • Earn a solid rewards rate on all your business purchases
  • Jumpstart your rewards earning with a generous sign up bonus
  • Pay no annual fee and no foreign transaction fees

Cons

  • There is no intro APR on balance transfers
  • No ability to transfer points to frequent flyer programs
Ink Business Cash Credit Card card art Rates & Fees

Ink Business Cash® Credit Card

4.5 BCC Score
Apply Now

on Chase's secure site

Welcome Offer
Earn $750 when you spend $6,000 on purchases in the first three months after account opening
Rewards Rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Intro APR
0% Intro APR on Purchases for 12 months and N/A, then 16.74% - 24.74% Variable
Annual Fee
$0
Credit Score Needed
Excellent/Good
Card Brand
Visa®
  • Earn $750 when you spend $6,000 on purchases in the first three months after account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Complimentary three-month lnstacart+ membership.
  • 0% introductory APR for 12 months on purchases
  • Earn 5% total cash back on Lyft rides through 9/30/27.
  • Member FDIC

Pros

  • 0% Intro APR on Purchases for 12 months
  • Up to 5% cash back and a lucrative sign up bonus
  • Pay no annual fee for you and your employees

Cons

  • There is an annual cap on the amount of cash back you can earn in the 5% and 2% categories
  • No intro APR on balance transfers