Small business

Best business credit cards

Compare no-annual-fee business cards for owners who want cleaner expense tracking and straightforward rewards.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may receive compensation from approved product relationships; compensation does not replace issuer terms or editorial fit. Read how BillSaver evaluates cards and handles advertising disclosures.

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Top matches for this category

Simple business cash back

Ink Business Unlimited® Credit Card

Annual fee: $0
Rewards: Unlimited 1.5% cash back on business purchases.
Intro APR: 0% intro APR for 12 months from account opening on purchases.

A straightforward expense-tracking card for small businesses that want one flat rewards rate.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Small business 2% cash back

The American Express Blue Business Cash™ Card

Annual fee: $0
Rewards: 2% cash back on eligible purchases up to $50,000 per calendar year, then 1%; cash back is automatically credited to the statement.
Intro APR: Intro APR offer may be available.

A clean cash-back option for small businesses that spend within the 2% cap.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Transfer fee	Foreign transaction fee	Credit profile	Terms
Compare Ink Business Unlimited® Credit Card Chase · Good to excellent Read review	Simple business cash backA straightforward expense-tracking card for small businesses that want one flat rewards rate.	Unlimited 1.5% cash back on business purchases.	A cash bonus may be available after qualifying business spend; verify the current offer before applying.	$0	0% intro APR for 12 months from account opening on purchases.	16.74% to 24.74% variable APR, depending on creditworthiness.	Balance transfer fee applies.	3%	Good to excellent	Issuer terms
Compare The American Express Blue Business Cash™ Card American Express · Good to excellent Read review	Small business 2% cash backA clean cash-back option for small businesses that spend within the 2% cap.	2% cash back on eligible purchases up to $50,000 per calendar year, then 1%; cash back is automatically credited to the statement.	Offer varies by applicant.	$0	Intro APR offer may be available.	Variable APR; see issuer terms.	Balance transfer fee applies.	2.7%	Good to excellent	Issuer terms

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Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and cash Rewards 23 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Deposit-backed Secured 2 cards Approval fit Fair credit 1 cards Getting started First card 5 cards International use No foreign transaction fee 7 cards Borrowing cost Low interest 9 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.

For the reasoning behind the fields, categories, and disclosures, read the BillSaver credit card methodology.