Business credit cards offer a multitude of benefits that personal credit cards simply can’t match. These cards allow you to separate your personal and business expenses, access larger lines of credit, and earn rewards in business-related spending categories. In order to determine the best business credit cards currently on the market, we conducted a thorough analysis of over 40 cards, taking into account factors such as annual fees, rewards rates, annual percentage rates (APR), perks, and insurance and protections.
Our research has uncovered the top business credit cards for April 2024. For those just starting a business, the American Express Blue Business Cash™ Card stands out as a fantastic option. With a $0 annual fee and a 0% intro APR on purchases for the first 12 months, this card makes it easy to earn cash back rewards without any hassle. Cardholders can earn 2% cash back on all eligible purchases, up to $50,000 per calendar year, making it possible to earn up to $1,000 in cash back annually.
For those in search of a solid cash-back card, the Chase Ink Business Cash® Credit Card is a standout choice. With a generous welcome bonus of $350 after spending $3,000 on purchases in the first three months, this card offers excellent rewards without a hefty spending requirement. Plus, cardholders can earn additional cash back rewards on their essential business expenses.
If travel is a key component of your business, the Chase Ink Business Preferred® Credit Card is a top pick. With a $95 annual fee, this card offers a plethora of travel-related benefits, including a generous welcome bonus of 100,000 points after spending $8,000 in the first three months. Cardholders can also earn additional rewards on their business spending, making this card a great option for frequent travelers.
Looking for a premium travel business card? The Capital One Venture X Business is a standout choice. Packed with perks and benefits at a fee that’s lower than its competitors, this card offers excellent value for those who travel frequently for business. With up to 150,000 Miles as an intro bonus and a $395 annual fee, this card is a great option for those looking for luxury and flexibility in their business travel rewards.
For business travelers loyal to Delta, the Delta SkyMiles® Platinum Business American Express Card is a top choice. Despite recent changes to the SkyMiles program, this card still offers valuable benefits for Delta flyers, including a first checked bag free, companion certificates, and credits for dining and rideshare services. With a $350 annual fee, this card is a solid option for those who frequently fly with Delta.
Overall, these top business credit cards offer a range of benefits and rewards that cater to different business needs and preferences. Whether you’re just starting out or looking for premium travel perks, there’s a card on this list that’s sure to meet your needs.