BEST CREDIT CARDS FOR BUSINESS
DECEMBER 2019

Looking for the best business credit card? Discover the best credit cards for businesses both big and small.

UPDATED FOR DECEMBER 2019
SCORE
FEATURES
MIN CREDIT SCORE
9.8

  • Intro APR: N/A
  • Regular APR: 17.49% - 26.49% Variable APR
  • Annual Fee: $125
690

Marriott Bonvoy Business™ American Express® Card

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
9.8

  • Intro APR: Not Available
  • Regular APR: 19.24% Variable APR
  • Annual Fee: $0 for the first year, then $95
690

Capital One® Spark® Cash for Business 

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
8.0

  • Intro APR: Not Available
  • Regular APR: 15.99% - 23.99% Variable APR
  • Annual Fee: $0
690

Amazon Business Prime American Express Card 

  • Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card
  • Take advantage of 5% Back or 90 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership.
  • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% Back on other purchases
  • $0 Annual Fee
  • Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
  • With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at  Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
  • Terms apply.
8.0

  • Intro APR: Not Available
  • Regular APR: Not Available
  • Annual Fee: $0
0

Brex Card for Startups

  • 30,000 in Brex Rewards points upon signup and waived card fees for life (equal to $300+ value)*
  • No personal guarantee needed - we do not ask for a personal credit check or security deposit during the application.
  • Credit limits 10-20x higher than traditional small business corporate cards.
  • $100,000 bank balance required to qualify for Brex.
  • Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth over $50,000 in value.
  • Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
  • Miles transfer program to 6 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneword, and SkyTeam.
  • 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
  • Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text and email. Instantly add new users and set spending limits.
  • Simplify reconciliation with built-in integrations with Quickbooks, Xero and more.

Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

FAQ's About Credit Cards

Despite the fact that credit cards are extremely common and easy to use, there are many features and conditions which may be new to some people. If you're looking for more information on credit cards check out our credit card FAQs to learn more.

Before committing to a credit card, ask yourself why you need this? You will want to analyze your spending habits and ensure you can make your monthly payments on time to avoid penalty fees. Areas to consider when comparing credit cards include APR, annual fees, loyalty schemes, introductory offers, and cashback.
You may want to apply for a new credit card if you feel your current card does not deliver the best results. Whether a lack of rewards, high-interest rates, or an unpleasant annual fee in which you do not receive any benefits. Many companies reward their customers for spending so ensure you are receiving yours. You may receive offers for better deals elsewhere and wish to take advantage of their generous sign-up bonuses.
For your convenience, the internet provides an excellent source for comparing almost anything these days. If unsure which credit card is best for you, simply browse the web for comparison sites which will outline the top credit cards on the market and their features. This allows you to explore what applies to your needs and which option will be most beneficial for you and your spending.
Generally, there is no legal limit on the number of credit cards an individual can have. However, owning too many may flag a warning sign for some issuers. It's best advised to look at your financial situation and only open up a credit card if you essentially need to, as having too many may affect your credit score.
Some companies have a high approval rate, even for those with low credit. These secured credit cards allow individuals to build up damaged credit by responsibly spending and making all of their repayments on time. Look for issuers specifically for this reason.
When applying for a credit card, you should consider the available benefits such as an introductory offer, cash back on purchases, discounts, rewards, and insurance options. For those who enjoy travel, many credit card issuers offer air travel miles, flight extras, or hotel points for complimentary nights.
APR stands for annual percentage rate and refers to the annual interest rate charged on your credit card. Actual APR numbers vary but will usually cap at around 25%. The APR of your credit card will depend on various factors such as credit score, income, and financial history.
All credit cards have an APR, annual percentage rate. This refers to the interest rate that applies to your monthly statements. If you have any balance on your credit card and carry it over to the next month, your APR will be applied, and you will be charged accordingly. APR differs for every credit card issuer and each application, depending on contributing factors such as credit scores.