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Best Business Credit Cards of 2026

The right business credit card earns rewards on your biggest expenses while building business credit. From cash back on office supplies to travel perks for client meetings, we've ranked the best options.

Last updated:
3 products reviewed

Our Top Pick

Chase Ink Business Cash

Chase Ink Business Cash is the best no-fee business card for category-focused rewards. The rotating 5% bonus categories (with quarterly activation) can generate exceptional value for businesses with spending in those categories. The 2% on dining and travel is solid. For small business owners maximizing rewards, this card is excellent; for those wanting simplicity, it requires more management.

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Rankings

Chase Ink Business Cash

by Chase

4.6

Chase Ink Business Cash offers 5% cash back on rotating bonus categories (internet, cables, gas, phone), 2% on dining and travel, and 1% elsewhere. At no annual fee, it's ideal for small business owners wanting category rewards.

Key Features

Annual Fee: NoneRotating Category Rewards: 5% cash back (quarterly, requires activation)Dining & Travel: 2% cash backAll Other Purchases: 1% cash back

Pros

  • • 5% cash back on rotating categories (quarterly)
  • • 2% on dining and travel
  • • 1% on all other business purchases

Cons

  • • Requires quarterly category activation
  • • Rotating categories change periodically
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#2

American Express Blue Business Cash

by American Express

4.5

Amex Blue Business Cash offers 4% on U.S. supermarkets (first $50k/year), 1% thereafter, 4% on gas, 4% on internet/cable/phone, and 1% elsewhere. No annual fee makes it solid for office supply heavy businesses.

Key Features

Annual Fee: NoneInternet, Cable, Phone: 4% cash backU.S. Supermarkets: 4% (capped at $50k/year)U.S. Gas Stations: 4% (capped at $25k/year)

Pros

  • • 4% cash back on internet, cable, phone
  • • 4% cash back on gas stations
  • • 4% cash back on U.S. supermarkets (first $50k/year)

Cons

  • • Annual caps limit earning
  • • Amex network acceptance lower in some sectors
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#3

Capital One Spark Cash Plus

by Capital One

4.4

Capital One Spark Cash Plus offers unlimited 2% cash back on all business purchases with no annual fee. It's an excellent straightforward option for small business owners wanting simplicity without fees.

Key Features

Annual Fee: NoneCash Back Rate: Unlimited 2% on all business purchasesCaps: NoneCard Network: Visa

Pros

  • • Unlimited 2% cash back on all business purchases
  • • No annual fee
  • • Simple, straightforward structure

Cons

  • • No bonus categories (lower than optimized cards)
  • • Limited business-specific perks
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Full Comparison

FeatureChase Ink Business CashAmerican Express Blue Business CashCapital One Spark Cash Plus
Annual FeeN/AN/AN/A
Rewards RateN/AN/AN/A
Sign-Up BonusN/AN/AN/A
Regular APRN/AN/AN/A
Intro APRN/AN/AN/A
Our Rating4.6/5Best4.5/54.4/5

How We Picked These

Business credit cards are evaluated on rewards rates in common business spending categories (office supplies, internet, shipping, advertising), cash flow management features, employee card options, expense tracking tools, and annual fee value.

Frequently Asked Questions

Do I need an LLC to get a business credit card?
No. Sole proprietors and freelancers can apply using their Social Security number and personal information. You don't need a formal business entity. Your 'business' can be freelance work, side hustles, or selling items online.
Do business credit cards affect personal credit?
It depends on the issuer. American Express and Discover report business card activity to personal credit bureaus. Chase and Capital One generally do not report unless you default. This means a business card from Chase won't affect your personal utilization ratio.

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