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3 Best Business Credit Cards

We love small businesses, after all we started one! And since our business is to know credit card products you can trust us with these top options for business credit cards.  

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear from you. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag.

Ink Business Preferred℠ Credit Card


  • $95 Annual Fee
  • Employee cards at no additional cost
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Terms Apply

Capital One® Spark® Cash for Business


  • $0 intro annual fee for the first year, then $59
  • No additional fee for employee cards.
  • Earn unlimited 2% cash back on all purchases
  • Terms Apply

SimplyCash® Plus Business Credit Card


  • $0 Annual Fee
  • No Fee for additional card holders
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year
  • Terms  apply

Additional Business Credit Cards

There are quite a few good business credit card options out there today. To help you make the right choice, figure out what your biggest expenses are, and pick a card that offers a good rewards earning rate. If you'll be carrying a balance month to month, go for a card with a low APR to save your business money. Also, make more money so you aren't carrying a balance. We give good life advice too. 

Bank of America® Business Advantage Cash Rewards Mastercard®


  • $0 Annual Fee
  • No fee for additional cardholders
  • Earn 1% cash back on purchases, 2% on purchases at restaurants, and 3%
    on purchases at gas stations and office supply stores (up to $250,000 annually, 1% after that)
  • Terms Apply

Gold Delta SkyMiles® Business Credit Card


  • $0 introductory annual fee for the first year, then $95
  • No fee for additional card holders
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Terms Apply

Marriott Rewards® Premier Business Credit Card


  • $99 Annual Fee
  • Annual Free Night Stay
  • Employee Cards at no additional cost
  • Earn 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.
  • Earn 2 points for every $1 spent on airline tickets purchased directly with the airline,  car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases. 1 point on all other purchases.
  • Terms Apply


BBVA Visa® Business Rewards Credit Card


  • No annual fee
  • Employee cards at no additional cost
  • Earn 1 point for every $1 in Qualifying Purchases, plus get 2X or 3X the CompassPoints® when you make purchases in categories you select with Build Your Own Rewards
  • Terms Apply


Ink Business Cash℠ Credit Card


  • $0 Annual Fee
  • Employee cards at no additional cost
  • Earn 5% cash back on the first $25,000 spent in combined purchases
    at office supply stores and on cellular phone, landline, internet and cable TV 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
  • Terms Apply

The Business Gold Rewards Card


  • $0 introductory annual fee for the first year, then $175
  • Additional employee cards carry a $50 annual fee, waived the first year.
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Terms Apply

Wells Fargo Business Secured Credit Card


  • $25 Annual Fee Per Card
  • Earn 1.5% Cash Back for every $1 spent on net purchases.
  • Options to Upgrade to an Unsecured card over time
  • Terms Apply