The best small business credit cards of 2020

PFI Our Panel of Experts

 Summary List PlacementThe best small business credit cards:

Best sign-up bonus: Ink Business Preferred® Credit Card
Best for premium travel benefits: The Business Platinum® Card from American Express
Earns travel points with no annual fee: The Blue Business® Plus Credit Card from American Express
Best cash-back business card: Capital One® Spark® Cash for Business
Earn 2x miles no matter what you buy: Capital One® Spark® Miles for Business
Maximize Chase Ultimate Rewards points OR cash back: Ink Business Unlimited℠ Credit Card
Best for big spenders: American Express® Business Gold Card
If your business spends a lot on office supplies and wireless: Ink Business Cash℠ Credit Card
If you only use one business credit card: Brex Corporate Card for Startups and the Brex Corporate Card for Ecommerce

Whether you’re a freelancer, someone with a side gig, or you run a business with 15 employees, keeping your personal and business finances separate is vital. Things can get muddy quickly when you’re cutting personal and business checks from the same account. That’s where business credit cards come in.

Even the smallest of businesses are eligible for business credit cards, such as freelancers, individuals with side gigs, or even people who resell things on eBay. And if you’re a bigger business— or aspire to grow into one, with employees and more resources — a business credit card will not only help separate expenses, but it will also help you establish business credit, so that you have flexibility later on with loans and leases. Plus, you can get additional authorized cards for employees as needed.

Table of Contents: Masthead StickyOur expert panel for this guide

We consulted top credit card experts from NerdWallet and The Points Guy, a certified financial planner, and our own credit cards editor to inform our picks for the best business credit cards. We also interviewed them about how to find the best small business credit card for you — you’ll find the whole text of our interviews at the bottom of this page.

 How our list compares to other publications

Opening a new credit card isn’t a decision you should make lightly — it involves plenty of research and cross-checking top experts’ lists. To help streamline your decision-making process, we’ve compared our list of the best business credit cards to other top publications’ recommendations.

Personal Finance Insider
The Points Guy

Ink Business Preferred® Credit Card

Amex Business Platinum Card

The Blue Business® Plus Credit Card from American Express

Spark® Cash from Capital One®

Spark Miles Business Card

Ink Business Unlimited℠ Credit Card


American Express® Business Gold Card


Ink Business Cash℠ credit card


The best business credit cards of 2020
Best sign-up bonus:
Ink Business Preferred® Credit Card

If you’re looking to earn valuable, flexible rewards points on your small business spending, the Chase Ultimate Rewards (UR) ecosystem is among the best options. If you already have one of Chase’s popular personal rewards cards — like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® — the Ink Business Preferred® Credit Card is an ideal business card companion.

Like those cards, the Ink Business Preferred® Credit Card earns UR points, and …read more

Source:: Business Insider


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