Best Business Credit Cards of 2026
Earn 3X points on business expenses, get 100,000+ bonus points, and simplify expense tracking
Why Business Credit Cards?
Top Business Credit Cards
Chase Ink Business Preferred
Premium business rewards with 3X on travel, shipping, ads, and internet/phone
Amex Business Platinum
Luxury business travel card with 5X on flights and hotels
Capital One Spark Cash Plus
Unlimited 2% cash back on all purchases with no preset spending limit
Frequently Asked Questions
What is the best business credit card in 2026?
The Chase Ink Business Preferred offers the best overall value with 3X points on travel, shipping, advertising, and internet/phone services (up to $150,000 per year), plus a 100,000-point welcome bonus. For simple cash back, the Capital One Spark Cash Plus offers unlimited 2% on all purchases.
Do I need an EIN to get a business credit card?
No, you can apply using your Social Security Number (SSN) as a sole proprietor. However, having an EIN can help separate your business and personal credit, and may be required for certain cards or higher credit limits.
Will a business credit card affect my personal credit?
Most business cards will show up on your personal credit report during application (hard inquiry) and may report if you default. However, on-time payments typically don't appear on personal reports. You remain personally liable for business card debt.
What are the benefits of business credit cards?
Business cards offer higher credit limits, employee cards at no extra cost, detailed expense tracking, bonus categories for business spending (ads, shipping, office supplies), and rewards that can be reinvested in your business.
Can I use a business credit card for personal expenses?
While technically possible, it's not recommended. Mixing business and personal expenses complicates accounting, tax deductions, and can create issues if you ever need to prove business expenses to the IRS. Keep them separate for best practices.
Grow Your Business with the Right Card
Start earning rewards on every business expense today.
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