Best business credit cards for March 2026: Save money and score great benefits for your small business

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Best business credit cards for March 2026: Save money and score great benefits for your small business Kendall Little · Senior Writer, Credit Cards Ben Walker (CEPF, CFEI®) · Senior Writer, Credit Cards Updated Tue, March 3, 2026 at 2:18 AM GMT+8 14 min read

Best business credit cards for March 2026

The American Express Blue Business Cash™ Card Best for limited business budgets Rates & fees, terms apply Learn more American Express® Business Gold Card Best for max everyday rewards Rates & fees, terms apply Learn more

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Best for choice categories Capital One Spark Cash Plus Best for big spenders Learn more Capital One Venture X Business Best for premium business travel Learn more Sapphire Reserve for Business℠ Best for annual benefits Learn more Ink Business Cash® Credit Card Best for cash-back bonus Learn more U.S. Bank Triple Cash Rewards Visa® Business Card Best for 0% APR Learn more

Best for limited business budgets

Learn more The American Express Blue Business Cash™ Card Best for simple travel rewards Rates & fees, terms apply Add to Compare

• Annual fee $0
• Welcome offer Earn a $250 statement credit after you make $3,000 in purchases on your card in your first 3 months
• Introductory Purchases APR 0% on purchases for 12 months from date of account opening
• Ongoing Purchases APR 16.74% - 26.74% Variable

• Rewards rate
  • 2% cash back on all eligible purchases on up to $50,000 per calendar year
  • 1% cash back on all eligible purchases after spending $50,000 per calendar year (cash back earned is automatically credited to your statement)

• Benefits 0% intro APR on purchases for 12 months from the date of account opening (then variable rate 16.99% - 26.99%, based on your creditworthiness and other factors as determined at the time of account opening; APRs will not exceed 29.99%)

Why we like it: If you want to earn valuable travel rewards on your everyday business expenses, look no further than the Amex Blue Business Plus. It has a no-hassle rewards rate that works for any eligible purchase (so no confusing bonus categories to worry about), plus you can use an intro APR offer on purchases as a new cardmember.

Read our full Amex Blue Business Plus review

Best for max everyday rewards

Learn more American Express® Business Gold Card Rates & fees, terms apply Add to Compare

• Annual fee $375
• Welcome offer Earn 100,000 Membership Rewards® Points after you spend $15,000 on purchases within the first 3 months
• Ongoing Purchases APR 17.74% - 28.49% Variable

• Rewards rate
  • Earn 4x Membership Rewards points on the top two eligible categories (out of 6 total categories) where your business spends the most each month. Although your top 2 categories may change each month, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year, then 1x after that (only the top 2 categories each billing cycle will count towards the $150,000 cap; terms apply).
  • 3x points on flights and prepaid hotels booked on AmexTravel.com
  • 1x points on all other purchases

• Benefits
  • Earn up to $20 in monthly statement credits (up to $240 annually) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores
  • The Business Gold Card comes in three metal designs — Gold, Rose Gold, and White Gold
  • Your spending limit is flexible and adjusts based on factors such as your purchase, payment, and credit history

Why we like it: The American Express Business Gold card offers a mix of everyday rewards and valuable benefits that can help reduce costs for your business long-term. Top 4x rewards apply to the first $150,000 you spend annually in the two eligible categories where you spend most each month. Eligible categories include advertising purchases from U.S. media providers in select media, U.S. purchases from electronic goods retailers and software and cloud system providers, U.S. restaurants, U.S. gas stations, transit, and monthly wireless phone service charges from U.S. providers.

In addition to rewards, annual credits toward eligible business purchases and an auto-renewing Walmart+ membership can go a long way toward helping offset the annual fee (see rates & fees). Plus, you can score a huge welcome bonus as a new cardholder.

Read our full review of the American Express Business Gold Card.

Best for choice categories

Bank of America® Business Advantage Customized Cash Rewards Mastercard®

• Annual fee $0
• Welcome offer Get a $300 online statement credit after spending at least $3,000 within the first 90 days
• Introductory APR 0% intro APR on purchases for the first 7 billing cycles (variable APR applies after that; see issuer site for current APR)
• Purchase APR See issuer site for current APR

• Rewards rate
  • 3% cash back* in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services
  • 2% cash back* on dining purchases
  • 1% cash back on all other purchases
  • *Earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, then earn 1%

• Benefits
  • Earn up to 75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier
  • Redeem your cash rewards as a deposit into your Bank of America checking or savings account, as a card statement credit, or as a check mailed to you
  • 0% on purchases for the first 7 billing cycles, after which the standard APR applies

Why we like it: The Bank of America Business Advantage Customized Cash Rewards gives you flexibility over how you can earn rewards on your business expenses. Categories eligible for the max 3% bonus category include gas stations and EV charging stations, office supply stores, travel, TV/telecom and wireless, computer services, and business consulting services. But check your regular annual spending before you apply — once you reach a combined $50,000 spent annually across both your choice 3% category and the 2% dining category, you’ll only earn 1% cash back on any additional spending.

This no annual fee card can also make a good choice for an upcoming large purchase you need to make in one of the above bonus categories, since it also has an introductory 0% APR for new purchases.

Read our full Bank of America Business Advantage Customized Cash Rewards Mastercard review.

Best for big spenders

Learn more Capital One Spark Cash Plus Add to Compare

• Annual fee $150
• Welcome offer Earn $2,000 cash back after spending $30,000 within the first 3 months, plus get an additional $2,000 cash bonus for every $500,000 spent during the first year

• Rewards rate
  • 5% unlimited cash back on hotels and rental cars booked through Capital One Business Travel
  • 2% unlimited cash back on all other purchases (no limits or category restrictions)

• Benefits
  • Get your $150 annual fee refunded every year after spending at least $150,000
  • Your spending limit is flexible and adjusts based on factors such as your purchase, payment, and credit history
  • You'll never be charged interest since your balance is due in full every month

Why we like it: The Capital One Spark Cash Plus makes sense if you want straightforward cash-back rewards with no categories or spending caps. Unlike some other cards on our list, the 2% cash back you’ll earn on every purchase has no limit — making this a good option if your business has a very large annual budget and varied spending.

The Spark Cash Plus’ other benefits can also be useful if you spend a lot of money each year. In addition to the welcome bonus, you’ll earn additional $2,000 bonuses for each $500,000 you spend over the first year. And though this card does have an annual fee, you can get it refunded each year when you spend $150,000 or more.

Read our full review of the Capital One Spark Cash Plus.

Best for premium business travel

Learn more Capital One Venture X Business Add to Compare

• Annual fee $395
• Welcome offer Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening

• Rewards rate
  • 2x miles on every purchase
  • 5x miles on flights and vacation rentals booked through Capital One Business Travel
  • 10x miles on hotels and rental cars booked through Capital One Business Travel

• Benefits
  • Every year, you'll get 10,000 bonus miles after your account anniversary date and receive an annual $300 credit to use on Capital One Business Travel
  • Up to a $120 statement credit on TSA PreCheck or Global Entry
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges, after enrollment

Why we like it: We recommend the Capital One Venture X Business as the best premium travel business card because it has a lower annual fee than its competitors while still providing high-quality travel perks. These include a $300 annual travel credit for reservations made through Capital One Business Travel, 10,000 anniversary bonus miles every year, and airport lounge access to participating Priority Pass and Capital One Lounges.

You can also maximize your rewards toward future travel no matter what your biggest business expenses are, with 2x rewards on every purchase (plus boosted miles rewards for Capital One Business Travel bookings).

Read our full Capital One Venture X Business review.

Best for annual benefits

Learn more Sapphire Reserve for Business℠ Add to Compare

• Annual fee $795
• Welcome offer Earn 150,000 bonus points after you spend $20,000 on purchases in the first 3 months
• Ongoing Purchases APR Flex for Business Variable APR: 17.74% - 25.74%

• Rewards rate
  • 8x points on all purchases through Chase Travel℠, including The Edit℠
  • 5x total points on Lyft rides through 9/30/27
  • 4x points on flights & hotels booked direct
  • 3x points on social media & search engine advertising
  • 1x points on all other purchases

• Benefits
  • Get up to $250 in statement credits from January through June, and again from July through December for prepaid bookings made with The Edit℠
  • Receive one statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck®, or NEXUS application fee charged to your card
  • Receive an annual travel credit up to $300 in statement credits each anniversary year

Why we like it: The Chase Sapphire Reserve for Business may have a premium fee, but it carries a lot of potential value for business travelers. It has a fantastic welcome bonus (if the required spending threshold is within your budget) and rewards on travel as well as business expenses like social media and search engine advertising.

Benefits also cover both travel and business costs, ranging from a $300 annual travel credit and airport lounge access through Priority Pass Select and Chase Sapphire Lounge by The Club to credits for Google Workspace, Lyft, DoorDash, and more. Plus, you can use Points Boost to get up to 2x redemption value on your points when you redeem them for eligible hotels or airfare using Chase Travel℠.

Best for cash-back bonus

Learn more Ink Business Cash® Credit Card Add to Compare

• Annual fee $0
• Welcome offer Earn $750 bonus cash back after spending $6,000 in the first 3 months
• Introductory Purchases APR 0% Intro APR on Purchases for 12 months
• Ongoing Purchases APR 16.74% - 24.74% Variable

• Rewards rate
  • 5% cash back on the first $25,000 in combined spending at office supply stores and on internet, cable, and phone services each account anniversary year
  • 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account anniversary year
  • 1% cash back on all other purchases

• Benefits
  • Get automatically checked for a credit line increase every 6 months or sooner
  • Set individual spending limits on employee cards and earn rewards even faster

Why we like it: The Ink Business Cash card provides some of the best cash-back earning opportunities among business cards, though you do need to stay aware of spending limits for bonus categories. You’ll earn 5% cash back at office supply stores and on internet, cable, and phone services up to the first $25,000 in combined spending each year. The same combined $25,000 spending cap applies to the card’s 2% rewards at gas stations and restaurants.

One of our favorite features of this card is its welcome bonus. Compared to other cash-back business cards (especially with no annual fee), the Ink Business Cash offers a fantastic cash welcome offer — as long as you can meet the steep spending requirement. As a new cardholder, you can also take advantage of a long intro APR period for new purchases.

Best for 0% APR

Learn more U.S. Bank Triple Cash Rewards Visa® Business Card

• Annual fee $0
• Welcome offer Earn $500 cash back after spending $4,500 within the first 150 days
• Introductory APR 0% intro APR on purchases and on balance transfers made within 30 days for the first 12 billing cycles
• Purchase APR See issuer site for current APR

• Rewards rate
  • 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
  • 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less), office supply stores, cell phone service providers, and restaurants
  • 1% cash back on all other purchases

• Benefits
  • $100 annual credit for recurring software subscription expenses such as FreshBooks or QuickBooks
  • 0% introductory APR is useful to finance large purchases

Why we like it: The U.S. Bank Business Triple Cash Rewards card has a wide range of rewards categories for any type of small business owner. You’ll earn a solid 3% cash back at office supply stores, restaurants, and cell phone service providers, and at gas and EV charging stations for transactions totaling $200 or less.

This card also has a solid introductory 0% APR period for both purchases and balance transfers. Many other business cards with intro offers only apply the 0% APR to purchases, so this can be a good option if you already have some debt you want to pay off. Plus, earn a sign-up bonus with a relatively low required spend compared to other business cards and get a $100 annual credit for recurring software subscriptions for your business.

How do business credit cards work?

Business credit cards function similarly to personal credit cards. They allow you to make eligible purchases on credit, which you then need to pay back within a certain amount of time. There are different types or categories of business credit cards, including travel cards, cash-back cards, secured cards, and corporate cards.

Types of business credit cards

• Travel credit cards: These cards make sense if you want to earn travel rewards points or miles on your business spending. Rewards can be used for travel-related redemptions, including flights, hotel stays, and car rentals. This may be a good option for you if you travel often for work.

• Cash-back credit cards: You can typically redeem cash-back rewards for statement credits and gift cards. In some cases, you could also receive deposits into an eligible checking or savings account. Cash-back cards are a good choice if you have variable business expenses, especially if they fall in common categories like dining at restaurants, gas, software, or office supplies.

• Secured credit cards: Whether a secured or unsecured card is best for your business depends on your credit history. A typical credit card is unsecured, which means your credit limit isn’t tied to any collateral; instead, it’s determined by your credit report. Secured credit cards tend to have less strict eligibility requirements because you must offer collateral in the form of a security deposit, which often acts as your credit limit. For example, you might put down $1,000 as your deposit and then have a $1,000 credit limit.

• Corporate cards: A corporate card is a specific type of business card typically only available to incorporated businesses, such as corporations and some limited liability companies (LLCs). These cards tend to have stricter eligibility requirements based on company size and available assets.

Pros and cons of business credit cards

Pros

• Separate your personal and business expenses

• Build your business credit history with business credit bureaus

• Offers increased cash flow for growing businesses

• Often provides expense management tools and employee cards

• Earn rewards on business expenses

Cons

• May have annual fees or other costs

• Typically requires a personal credit check

• EIN-only cards could require a high cash balance for approval

• Welcome bonuses often require higher spending than personal cards

Who qualifies for a business credit card?

Just about anyone with a business, even a new business, can apply for a business credit card. That includes anyone who operates a sole proprietorship, partnership, corporation, or LLC.

This doesn’t just include traditional business owners. Sole proprietors could include any number of people who earn money independently, such as freelancers and people who work side hustles.

You might not qualify for a business credit card if you don’t have an income-earning venture or side gig. But remember that it’s probably easier than you think to meet the qualifications to apply for a business card, especially if you have a good personal credit history.

Read more: How to get a business credit card

What to look for in a business credit card

The best credit card for business depends on your preferences and personal finance goals. Consider these factors to help find a card that suits your business needs:

• Credit requirements: Most business credit cards require a personal guarantee, meaning you need at least a good personal credit score to qualify. Certain cards could require an excellent credit score, so it’s worth researching to find a card that aligns with your current financial situation. If your score is lower than you’d like (potentially in the bad credit range), you can use credit cards to boost your credit score.

• Fees: Annual fees and foreign transaction fees are common but avoidable, depending on your needs. In general, cards with premium benefits have annual fees, and credit cards with no foreign transaction fees tend to be travel-oriented.

• Benefits: Card perks vary by card and issuer. Benefits could include airport lounge access, cell phone protection, travel insurance, and more.

• Rewards: Rewards credit cards generally earn points, miles, or cash back. Points and miles are associated with travel redemptions, while cash back can be redeemed for things like statement credits, gift cards, and (sometimes) bank deposits. Many rewards cards offer welcome bonuses, which are great ways to earn loads of points as a new card member.

• APR: Ongoing APRs on credit cards are often high, so it’s rarely a good idea to carry a balance. However, some business cards provide 0% intro APR offers on purchases, allowing you to avoid high interest rates during the introductory period. This could come in handy if you have a large purchase coming up and want some extra time to pay it off without added interest.

How to apply for a business credit card

Business credit card applications are similar to personal credit card applications in that you have to provide some personal information. You can also easily fill out an application and apply online. The main difference when applying for a business card is that you must also provide information about your business.

Here’s a breakdown of some of the different items you might see on a business card application:

• Authorizing officer title: For sole proprietors, you’re the owner. If it’s a different business setup, you might be a member, partner, president, or another type of officer.

• Business structure: Choose between corporation, LLC, nonprofit, partnership, or sole proprietorship. You're likely a sole proprietor if you work for yourself, such as freelancing or doing a side gig.

• Legal business name: Your company’s name is typically your own if you’re a sole proprietor.

• Business mailing address: Unless you have a specific business address, this is your home address.

• Business phone number: If you don’t have a business phone number, you can use your personal number.

• Tax ID type: If you're a sole proprietor, you might not have an employer identification number (EIN), so you can use your Social Security number (SSN).

• Number of employees: Sole proprietors typically have only one employee (themselves). Consider how many employee cards you want to give out.

• Business established date: This is when your business was created. This doesn’t necessarily mean the date you started making money, as the start of your business is when you began setting it up.

• Annual business revenue: This is your last year of business revenue. If your business is new, you can put “$0” or an amount you’re projected to earn.

• Business category: Select the categories most aligned with your business from the available options.

• Estimated monthly spend: How much you expect to spend on your business credit card each month.

Should I open a business credit card?

If you have a legitimate business, even if it’s a side hustle, consider applying for a business credit card. Business cards can provide useful features for earning rewards on your top business expenses and keeping those costs separate from your personal spending.

Like with any credit card, you should make sure you use your business credit card responsibly. These cards carry very high APRs which can cost your business a lot of money if you carry a balance.

Remember, business credit cards are meant for business owners, so you likely won’t qualify if you don’t have some sort of business income or a plan to have business income. Many business card issuers check your personal credit history to see if you qualify, which means you can be approved even if your business is brand new.

Frequently asked questions (FAQs) for business credit cards

Still not sure if a business credit card is right for you? Learn more with these FAQs:

Can you use an EIN to get a credit card?

It’s possible to apply for and get approved for a business credit card with just an EIN, but it likely won’t be feasible for most small business owners. This is because many EIN-only cards are corporate cards with strict eligibility requirements, such as having a high minimum cash balance of $50,000 or more.

What should your personal credit score be to get a business credit card?

You typically need a good to excellent personal credit score (at least a 670 FICO score) to qualify for a business credit card. Many small business owners don’t have much or any business credit history, so business card lenders often do a hard credit check on your personal credit history to assess your creditworthiness.

Does applying for a business card hurt credit?

Most credit card issuers do a hard credit inquiry to check your personal credit report when you apply for a new business credit card. Hard inquiries could initially drop your credit score by a few points but typically won’t impact your credit score longer than 12 months.

Which is the easiest business credit card to get?

Qualifying for secured business credit cards is often easier because of more relaxed eligibility requirements. However, you generally have to put down a security deposit as your spending limit. Also, many secured credit cards have fewer benefits than their unsecured counterparts.

Does a business credit card offer federal consumer protections?

Small business credit cards don’t qualify for the same consumer protections offered by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act). That includes limits to certain fees and charges to cardholders.

Is it easy for an LLC to get a credit card?

You can qualify for a business credit card with an LLC, sole proprietorship, corporation, or another eligible business structure. Startups and other new businesses can qualify because your eligibility for most business cards depends on credit factors, such as your personal credit score, income, and debt.

Is American Express a good business credit card?

American Express provides some of the best business card options for small business owners. Our recommendations include:

• American Express Blue Business Cash™ Card

• The Blue Business® Plus Credit Card from American Express

• The Business Platinum Card® from American Express

• American Express® Business Gold Card

• Marriott Bonvoy Business® American Express® Card

Our methodology

To find the best business credit cards, we research nearly every business card option from major card issuers available today. Our starting list includes both general business cards and co-branded hotel and airline credit cards for business travelers.

From this initial list, we use a weighted rating system to score cards based on factors we believe are most important to small business owners. Our highest-weighted card details include the welcome offer (including offer value and required spending), rewards, and annual fee. We also consider each card’s APR, introductory 0% APR offer, employee card options, and our own expert opinions.

Our final list is made up of the highest-rated cards within this rubric. These are the cards we believe can provide the most value for small business owners both as new cardholders and for long-term business expenses.

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

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