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Best by audience

Best credit cards for the business

A business credit card separates your business expenses from your personal life, builds business credit, and unlocks earning rates on the categories small businesses actually spend in: software subscriptions, advertising, shipping, takeout for the team. The right business card has a meaningful welcome bonus, earns at 3× or higher on business-relevant categories, and either has no annual fee or charges one you'd pay off in months on category spend.

Top pick

From the current catalog

Ink Business Preferred Credit Card

Chase · $95 annual fee

Ink Business Preferred is Chase's transferable-points business card, with 3x on a generous menu (shipping, social/search ads, internet/cable/phone, travel) capped at $150,000 of combined annual spend — enough headroom for most small businesses. The 100,000-point welcome bonus is one of the highest in the Chase lineup and pools with Sapphire cards if you hold both.

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What we look for

  • Earns bonus rewards on business-typical categories: ads, software, shipping, dining, internet/phone.
  • Annual fee is justified by category earning in roughly the first quarter of typical small-business spend.
  • Treats employee cards as a feature, not a $50/year add-on per card.

What to watch for

  • Business cards don't appear on personal credit reports unless the issuer pulls one for approval. That's an advantage for 5/24, but check the issuer's policy.
  • Personal liability is the default for small-business cards. The 'business' label doesn't protect you from delinquency consequences.

The full list

1 card from the catalog

Ranking is formulaic, not editorial. The criteria above are the score function in plain English; you can see the exact weights in src/lib/best-topics.ts on GitHub.

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