Best Business Credit Cards
Top cards for business spending — office supplies, advertising, shipping, and travel.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at Office Supplies and Telecom and Travel, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Ink Business Cash® Credit Card
Chase
- +5% cash back on Office Supplies
- +Roadside Assistance — not counted in estimated value or ranking; eligible use has not been established
- +75,000 points bonus (~$1,350 value)
Blue Business Plus Credit Card from American Express
American Express
- +2x on everything — points worth 1.5¢ each
- +Global Assist Hotline — not counted in estimated value or ranking; eligible use has not been established
- +No annual fee
Capital One Venture X Business
Capital One
- +2x on everything — points worth 1.3¢ each
- +Global Entry & TSA PreCheck® (up to $120/4yr); Travel & Emergency Assistance Services; Capital One Lounge Access; Priority Pass Select Membership; Annual Travel Credit (up to $300/yr) — not counted in estimated value or ranking; eligible use has not been established
- +150,000 miles bonus (~$1,950 value)
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Ink Business Cash® Credit CardChase | 5% cash back Office Supplies | 3.0¢/$ | $0 | visa |
| Blue Business Plus Credit Card from American ExpressAmerican Express | 2x Membership Rewards All Other | 3.0¢/$ | $0 | amex |
| Capital One Venture X BusinessCapital One | 2x Capital One Miles All Other | 3.3¢/$ | $395 | visa |
| BMO Business Platinum RewardsBMO | 4x points Office Supplies | 2.2¢/$ | $0 | mastercard |
| Ink Business Preferred® Credit CardChase | 3x Ultimate Rewards Telecom | 2.6¢/$ | $95 | visa |
| Ink Business Premier® Credit CardChase | 2% cash back All Other | 2.3¢/$ | $195 | visa |
| IHG One Rewards Business Credit CardChase | 5x IHG One Rewards Office Supplies | 2.2¢/$ | $200 | mastercard |
| Capital One Spark 2% CashCapital One | 2% cash back All Other | 2.1¢/$ | $95 | mastercard |
| American Express Business Gold CardAmerican Express | 4x Membership Rewards Telecom | 2.5¢/$ | $375 | amex |
| Capital One Spark 2% Cash PlusCapital One | 2% cash back All Other | 2.1¢/$ | $150 | visa |
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