Best Business Credit Cards this January 2026

What sets The Business Platinum Card® from American Express apart is its extensive travel benefits and high earning potential, particularly for businesses that frequently book flights and hotels. With a substantial welcome bonus and premium perks, it is tailored for serious business travelers.

The standout feature of the American Express® Business Gold Card is its ability to earn 4X points on your top two eligible business spending categories, making it an excellent choice for businesses with varied expenses. This flexibility, combined with a generous welcome bonus, makes it a strong contender for business owners.

The American Express® Business Gold Card can provide significant value if you maximize its bonus categories and statement credits, especially considering its $375 annual fee.

The American Express® Business Gold Card does not have a preset spending limit, allowing for flexible spending unless notified otherwise.

The Amex Business Gold card rewards common business purchases, while the Amex Gold card focuses on everyday spending categories.

You can earn 200,000 Membership Rewards points after spending $15,000 in the first 3 months.

The card offers 4X points on your top two eligible business spending categories, 3X on flights and hotels booked via Amex Travel, and 1X on everything else.

The Ink Business Unlimited® Credit Card shines for its straightforward cash back rewards, offering a flat 1.5% on all purchases without the hassle of tracking categories. This makes it an ideal choice for busy business owners looking for simplicity and value.

Credit limits for the Ink Business Unlimited® Credit Card typically range from $3,000 to $10,000, depending on factors like personal credit score, annual income, and outstanding debt.

Yes, the Chase Ink Business Unlimited is a great choice for those who prefer simplicity, offering a flat 1.5% cash back on every purchase and a $0 annual fee.

Approval for the Ink Business Unlimited® Credit Card can be challenging, as it generally requires a credit score of 700 or higher and sufficient income.

To qualify for the Ink Business Unlimited® Credit Card, you must be a business owner, have at least good personal credit, and provide a Social Security number or International Tax Identification Number.

You can earn unlimited 1.5% cash back on every purchase with the Ink Business Unlimited® Credit Card, plus a welcome bonus of $750 cash back after spending $6,000 in the first 3 months.

The Ink Business Cash® Credit Card is particularly appealing for businesses that frequently purchase office supplies and use internet services, offering a generous 5% cash back in those categories. This card is perfect for small businesses looking to maximize rewards without an annual fee.

Yes, the Chase Ink Business Cash® Credit Card is issued by JPMorgan Chase Bank, N.A.

You 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.

A credit score of 670 or higher is generally needed to be approved for the Chase Ink Business Cash® Credit Card.

Credit limits for the Chase Ink Business Cash® Credit Card typically range from $3,000 to $10,000, depending on your creditworthiness.

You can earn a $750 bonus cash back after spending $6,000 on purchases in the first 3 months.

The Capital One Spark Cash Plus is an excellent choice for businesses that can leverage its unlimited 2% cash back on all purchases. With a refundable annual fee contingent on spending, it offers a strong value proposition for high-spending businesses.

The Capital One Spark Cash Plus is a cash back card for businesses that earns unlimited 2% cash back on all purchases and has an annual fee of $150, which is refunded for businesses that spend over $150,000 annually.

A credit score of 750 or higher is recommended for the Capital One Spark Cash Plus card, along with being 18+ years old, having a U.S. mailing address, and an SSN.

The Capital One Spark Cash Plus has no preset spending limit; it adapts to your card use and credit profile, but you must pay off your balance in full each month.

The welcome bonus for the Capital One Spark Cash Plus is a one-time cash bonus of $2,000 after you spend $30,000 in the first 3 months.

The Capital One Spark Miles for Business card is designed for businesses that prioritize travel rewards, offering unlimited 2X miles on all purchases and a generous welcome bonus. Its flexibility in redeeming miles makes it a top choice for frequent travelers.

Yes, Capital One reports all business card activity to both personal and business credit bureaus, except for the Capital One Spark Cash Plus and the Capital One Venture X Business.

The Capital One Spark Miles for Business is a great option for earning travel rewards, offering unlimited 2X miles on every purchase and 5X miles on hotels, rental cars, and vacation rentals booked through Capital One Business Travel.

Yes, all Capital One business cards count toward your 5/24 status, except for the Capital One Venture X Business and the Capital One Spark Cash Plus.

The Capital One Spark Miles for Business typically requires a personal credit score above 700 and annual revenue around $100,000 or more for the premium version.

You can earn 50,000 miles after spending $4,500 on purchases within the first 3 months.

The Blue Business® Plus Credit Card from American Express is a fantastic option for businesses looking to earn rewards on everyday purchases, offering 2X points on the first $50,000 spent. Its no annual fee structure makes it accessible for small business owners.

The Blue Business® Plus Credit Card from American Express is an excellent choice for small-business owners, offering a straightforward earning structure and valuable Membership Rewards points.

The average credit limit for members with the American Express Blue Business Cash Card is approximately $10,149, with $5,000 being the most common limit.

To apply for the Blue Business® Plus Credit Card from American Express, a credit score of 670 or above is recommended for a higher likelihood of approval.

The annual fee for the Blue Business® Plus Credit Card from American Express is $0.

New cardholders can earn 15,000 Membership Rewards points after spending $3,000 on eligible purchases in the first 3 months.

The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is a solid choice for businesses seeking a straightforward cash back option with no annual fee. Its unlimited 1.5% cash back on all purchases makes it a reliable option for everyday business expenses.

The average credit limit for the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card is $9,890, with $5,000 being the most common limit.

The Bank of America® Unlimited Cash Rewards credit card is a solid choice for flat-rate cash back, offering unlimited 1.5% cash back on all purchases.

To qualify for a Bank of America business credit card, you need a registered business, a personal credit score of 670 or higher, and verifiable income.

The Hilton Honors American Express Business Card is tailored for frequent travelers who stay at Hilton properties, offering an impressive 12X points on direct purchases. With a substantial welcome bonus and additional travel perks, it is an excellent choice for business owners who prioritize hotel rewards.

With the Hilton Honors American Express Business Card, you earn 12X points on purchases made directly with hotels and resorts in the Hilton portfolio, and 5X points on other eligible purchases.

Yes, the Hilton Honors American Express Business Credit Card is available.

You can earn 175,000 Hilton Honors Bonus Points after spending $8,000 in purchases within the first 6 months.

The annual fee for the Hilton Honors American Express Business Card is $195.

The APR for the Hilton Honors American Express Business Card ranges from 19.49% to 28.49% Variable APR.