Best Small Business Credit Cards (2026)
Small business credit cards help you manage business finances, earn rewards on typical business expenses, and build business credit history. The best small business cards offer elevated rewards on categories like office supplies, internet services, shipping, advertising, and travel, along with expense management tools that simplify bookkeeping and tax preparation.
How We Choose These Cards
Our methodology for ranking the best small business cards
All card data is verified against issuer websites and updated monthly. Last verified: March 2026. See our advertiser disclosure for details on how we are compensated.
Top 5 Small Business Credit Cards
Chase Sapphire Preferred® Card
Premium travel rewards card with flexible redemption and valuable transfer partners for maximizing points value.
Bonus Categories
Pros
- 60,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Earn 2x points on travel and dining
- 25% more value when redeeming through Chase Travel
Cons
- $95 annual fee
- High ongoing APR (up to 28.49%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 2x points on travel and dining
- 25% more value when redeeming through Chase Travel
- Transfer points to airline and hotel partners
- Trip cancellation and interruption insurance
- No foreign transaction fees
Capital One Venture Rewards Credit Card
Simple travel rewards with unlimited 2x miles and flexible redemption options.
Pros
- 75,000 miles welcome bonus (~$750 value)
- No foreign transaction fees
- 2x on all purchases
- Earn 2x miles on every purchase
Cons
- $95 annual fee
- High ongoing APR (up to 29.74%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 2x miles on every purchase
- Redeem miles for travel statement credits
- Transfer miles to airline partners
- No foreign transaction fees
- Global Entry or TSA PreCheck credit
American Express® Gold Card
The premier card for dining and grocery rewards with outstanding earning rates and valuable credits.
Bonus Categories
Pros
- 75,000 points welcome bonus (~$750 value)
- No foreign transaction fees
- Up to 4x on dining, groceries, flights
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
Cons
- $250 annual fee
- High ongoing APR (up to 28.24%)
- $4,000 spend requirement for bonus
Key Benefits
- Earn 4x points at restaurants and U.S. supermarkets (up to $25k/year)
- 4x points on flights booked directly with airlines
- $120 dining credit annually
- $120 Uber Cash annually
- No foreign transaction fees
Citi® Double Cash Card
The original 2% cash back everywhere card - simple and effective for maximizing everyday spending.
Wells Fargo Active Cash® Card
Straightforward 2% cash back on all purchases with a generous intro APR period.
Tips for Choosing a Small Business Card
- Apply as a sole proprietor using your legal name and SSN if you do not have an EIN.
- Choose a card that rewards your biggest business expense category.
- Use automatic expense categorization to simplify tax preparation.
- Issue employee cards to consolidate business spending and earn more rewards.
- Business cards with 0% intro APR can help finance equipment or inventory purchases.
Frequently Asked Questions
Related Categories
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