Choosing the right business credit card can significantly impact your company's financial health and growth potential. Before applying for any business credit card, it's essential to understand how to improve your credit score to qualify for better terms.
12 Best Business Credit Cards for Small Business Owners in 2026
Here are the top business credit cards for 2026, along with their key benefits and rewards.
Perfect for businesses seeking simplicity in their rewards structure, this card offers an unlimited 1.5% cash back on all purchases. New cardholders can earn a $750 bonus after spending $7,500 in the first three months. With no annual fee and free employee cards, it's an excellent choice for small businesses with varied spending patterns.
This card offers 2X Membership Rewards points on the first $50,000 in purchases annually, then 1X thereafter. With no annual fee and comprehensive purchase protection, it's ideal for businesses with moderate monthly expenses. The card also comes with extended warranty protection and access to Amex Offers.
A premium business card offering 2% cash back on all purchases with no spending caps. While it carries a $150 annual fee, high-spending businesses can earn an annual $200 cash bonus by spending $200,000+ in a year. Perfect for businesses with substantial monthly expenses.
Earn 4X points in your top two spending categories each billing cycle from six eligible categories, up to $150,000 in combined purchases annually. While the $295 annual fee is substantial, the flexible rewards structure and business tools make it valuable for growing companies.
With 3X points on travel, shipping, internet, cable, phone services, and advertising purchases (up to $150,000 annually), this card offers excellent value for its $95 annual fee. Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.
A premium travel card offering 5X points on flights and prepaid hotels booked through American Express Travel. The card includes comprehensive travel benefits and airport lounge access. The $695 annual fee is offset by numerous credits and perks.
Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone providers, and restaurants. With no annual fee and a 0% intro APR offer, it's perfect for businesses looking to manage cash flow.
Choose your 3% cash back category from six options, plus earn 2% on dining. No annual fee and relationship rewards make this ideal for Bank of America business customers. The card also includes travel accident insurance and cash flow management tools.
Earn 2X miles on every purchase, plus 5X miles on hotel and rental car bookings through Capital One Travel. The $95 annual fee is waived the first year, making it an excellent choice for business travelers.
Tailored for tech startups and corporations, offering high limits and no personal guarantee requirement. Earn up to 8X points in specific categories, with no annual fee. Note that this card requires $50,000 in bank balances for approval.
Perfect for businesses that frequently shop on Amazon, offering 3% back on Amazon purchases, AWS, and Whole Foods Market. No annual fee and useful expense management tools make this ideal for online businesses. You can also integrate with Shopify for seamless e-commerce management, with plans ranging from $39 to $399 per month.
Earn 5% cash back at office supply stores and on internet, cable, and phone services (up to $25,000 annually). No annual fee and valuable purchase protection make this ideal for office-based businesses. New cardholders can earn $750 bonus cash back after spending $6,000 in the first three months.
For more information about managing your finances, check out our guides on best cashback credit cards and improving your credit score.
Final Words
Selecting the right business credit card requires careful consideration of your company's spending patterns, desired rewards, and financial goals. Take time to compare different options and remember that the best card for your business depends on your specific needs and circumstances. Consider starting with a no-annual-fee card if you're new to business credit cards, and upgrade as your business grows and your needs evolve.