Best Small Business Credit Cards of February 2024
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10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights booked through Capital One Travel
2X miles on other purchases
For a limited time, earn up to 300,000 bonus miles: 150,000 miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months
Regular APR: N/A
4.9 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Capital One’s secure site
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 2% cash back on every purchase
For a limited time, earn up to a $3,000 cash bonus: $1,500 once you spend $20,000 in the first 3 months, and an additional $1,500 once you spend $100,000 in the first 6 months
Regular APR: N/A
4.6 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Capital One’s secure site
5% cash back on internet, cable, phone services and office supply stores (up to $25,000 a year in combined purchases)
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Regular APR: 18.49% – 24.49% Variable
4.6 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Chase’s secure site
Unlimited 1.5% cash back on business purchases
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Regular APR: 18.49% – 24.49% Variable
4.0 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Chase’s secure site
5% cash back on travel booked through the Capital One Travel portal |
1.5% cash back on all other eligible purchases
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Regular APR: 18.49% – 24.49% (Variable)
4.1 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Capital One’s secure site
Unlimited 1.5% cash back on all purchases
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Regular APR: 18.49% – 28.49% Variable APR on purchases and balance transfers
3.9 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Bank of America’s secure site
5% cash back on travel booked through Chase travel portal
2.5% cash back on purchases over $5,000
2% cash back on all other eligible purchases
Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Regular APR: Flex for Business Variable APR: 19.49% – 27.49%
3.4 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Chase’s secure site
2X points on everyday business purchases (up to $50,000 in purchases per year, then 1x)
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Regular APR: 18.49% – 26.49% Variable
4.1 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on American Express’s secure site
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, Terms Apply
3% cash back on the category of your choice (from available list)
2% cash back on dining (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter)
Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Regular APR: 18.49% – 28.49% Variable APR on purchases and balance transfers
3.8 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Bank of America’s secure site
4X points on up to $150,000 per year in two select categories (from 6 eligible categories) your business spends the most in each billing cycle, then 1X
3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Regular APR: 19.49% – 27.49% Variable
5.0 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on American Express’s secure site
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, Terms Apply
3% cash back on purchases
Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership and 3% cash back on every card swipe with no category restrictions.
Regular APR: N/A
3.9 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Revenued’s secure site
3X points on the first $150,000 annually in combined travel, shipping purchases, internet, cable and phone services
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
Regular APR: 21.24% – 26.24% Variable
4.4 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Chase’s secure site
5X Membership Rewards points on flights and prepaid hotels booked with AmexTravel.com
1.5X points on eligible purchases in key business categories and on purchases of $5,000 or more everywhere else (spending cap applies)
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Regular APR: 19.49% – 27.49% Variable
4.8 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on American Express’s secure site
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, Terms Apply
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2X miles on every purchase
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Regular APR: 26.24% (Variable)
4.4 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Capital One’s secure site
2 miles for every dollar spent on United purchases, dining, at gas stations, office supply stores and on local transit
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Regular APR: 21.99% – 28.99% Variable
4.4 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on Chase’s secure site
2% cash back on eligible purchases up to $50,000 per calendar year, then 1%
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Regular APR: 18.49% – 26.49% Variable
4.3 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on American Express’s secure site
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, Terms Apply
12X points directly with Hilton properties
6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals)
3X points on all other purchases
Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
Regular APR: 20.99% – 29.99% Variable
4.5 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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on American Express’s secure site
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, Terms Apply
Spend $15,000 in the first 3 months for $200 cashback
Regular APR: 17.74% – 35.99% variable APR
3.5 / 5
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
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Apply now
on Capital On Tap’s secure site
![Image of U.S. Bank Business Altitude™ Connect World Elite Mastercard®](https://cdn.prodstatic.com/shared/images/cards/120x76/87b20130-aca3-11ed-bd21-bb6922fc5953.jpg?auto=webp&fit=bounds&width=120&height=76)
5X points on prepaid hotels and rental cars when directly booked in the U.S. Bank Rewards Center
4X points on travel such as airfare, hotels, gas and EV charging stations (up to $150,000 in combined spend annually)
2X points on dining, takeout or restaurant delivery
Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner’s card in the first 180 days from account opening.
Regular APR: 20.24% – 28.24% (Variable)