Small-business house owners, pay attention up: In case you do not have already got a enterprise bank card in your pockets, it is time so that you can add one.
In accordance with a survey within the 2025 Intuit QuickBooks Small Enterprise Index Annual Report, 50% of small-business house owners within the U.S. use a enterprise bank card to finance their corporations.
Whereas the survey concluded that enterprise bank cards have been the commonest supply of small-business financing within the U.S. since 2023, half of small-business house owners nationwide nonetheless use different strategies. These embody private financial savings (27%), traces of credit score (25%) and even private bank cards (23%).
Buying a enterprise bank card would not need to be sophisticated. In actual fact, finishing a enterprise bank card utility and checking your small business credit score rating are probably simpler to do than you’d assume.
Separating your small business and private bills is a great monetary technique, and there are lots of nice bank card choices to earn rewards for your small business spending. Listed below are a number of the reason why you need to get a enterprise bank card, plus some suggestions to your small-business technique.
Why small companies ought to have a bank card
Chances are you’ll be shocked to study what number of small companies are eligible for a bank card. Whether or not you are a budding entrepreneur or a freelancer, you’d probably profit from including a small-business bank card to your pockets.
When enterprise bills are separated from private spending, it is typically simpler to maintain receipts organized and tax returns uncomplicated. Plus, massive bills on private bank cards could cause hefty balances to build up. To not point out, maxing out bank cards for working bills may have an effect on your private credit score rating.
Relaxation assured, spending on a enterprise bank card would not have an effect on your private credit score rating in the identical method.
Sure, a financial institution will sometimes examine your private credit score report throughout the utility course of. Nevertheless, most enterprise bank cards is not going to present up in your private credit score report. So, spending closely on a enterprise card will not present excessive credit score utilization in your private credit score report.
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Associated: Do enterprise bank cards have an effect on private credit score?
One of the best small-business bank cards
Evaluating the perfect small-business bank cards
| Card | Greatest for | Welcome supply | Incomes charges | Annual payment |
|---|---|---|---|---|
| Ink Enterprise Most well-liked Credit score Card | Bonus-earning on enterprise purchases | Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after account opening. |
|
$95 |
| Ink Enterprise Limitless Credit score Card | Limitless money again | Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening. |
|
$0 |
| The Blue Enterprise Plus Credit score Card from American Specific | Companies that spend lower than $50,000 yearly | Earn 15,000 bonus factors after spending $3,000 on eligible purchases with the cardboard inside the first three months of card membership. |
|
$0 (see charges and charges) |
| The American Specific Blue Enterprise Money Card | On a regular basis spending | Earn a $250 assertion credit score after making $3,000 in eligible purchases on the cardboard inside the first three months of card membership. |
|
$0 (see charges and charges) |
| Capital One Spark Miles for Enterprise | Incomes Capital One miles | Earn 50,000 bonus miles after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 introductory annual payment for the primary 12 months, then $95 thereafter |
| Capital One Spark Money Choose | Easy money again | Earn $500 money again after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 |
| Financial institution of America Enterprise Benefit Personalized Money Rewards Mastercard bank card | Financial institution of America Most well-liked Rewards® members | Earn a $300 assertion credit score after making $3,000 in purchases inside the first 90 days of account opening. |
|
$0 |
| Southwest Speedy Rewards Premier Enterprise Credit score Card | Frequent Southwest Airways flyers | Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months from account opening. |
|
$99 |
Good choices to your first enterprise bank card
Assuming you’ve got accomplished the work to get your private and enterprise credit score into a great place and also you’re prepared to use for a enterprise bank card, the next step is to resolve which one you need to select. There are lots of, and the choices might really feel overwhelming. Take into account a couple of components earlier than you choose the perfect one for you.
In case you’re searching for your first enterprise bank card, you in all probability desire a card with a low annual payment or presumably no annual payment. All of the playing cards listed on this information cost not more than $99 per 12 months, which is right for small companies simply beginning up.
The second consideration is your small business’ commonest bills. It’s best to search for a card that earns bonus money again or enterprise rewards within the classes the place your small business is spending essentially the most.
Subsequent, contemplate what you are able to do with the rewards you may earn. Can they solely be redeemed for money again? Can you utilize them for journey by incomes free resort nights or free flights?
Lastly, since a lot of a card’s first-year worth is present in its welcome bonus, make certain your small-business bills can attain larger spending necessities whereas being financially sound. Most choices described on this article have decrease spending necessities to earn profitable welcome bonuses.
With all of that in thoughts, here’s a deeper dive into a few of our favourite bank cards for small companies.
Ink Enterprise Most well-liked Credit score Card
Enterprise house owners who wish to earn profitable Chase Final Rewards factors will recognize what the Ink Enterprise Most well-liked affords.
Welcome supply: Earn 90,000 bonus factors after spending $8,000 on purchases within the first three months after account opening. As of Could 2025, TPG values this bonus at $1,845.
Annual payment: $95.
Incomes construction: You will earn 3 factors per greenback spent on the primary $150,000 of journey, transport, promoting, web, cable and telephone service purchases made every account anniversary 12 months on the Ink Enterprise Most well-liked (then 1 level per greenback). You will earn 1 level per greenback spent on all different purchases.
Why we prefer it: Since TPG values Chase factors at 2.05 cents every, small-business house owners who spend within the bonus classes lined by this card can count on to earn a 6.2% return on their bills. These classes, together with journey, transport and promoting, are widespread bills and straightforward to maximise.
Plus, this card affords perks like buy safety and cellphone safety for a low annual payment.
To study extra, learn our full evaluate of the Ink Enterprise Most well-liked.
Apply right here: Ink Enterprise Most well-liked Credit score Card
Ink Enterprise Limitless Credit score Card
In case you’re a fan of Chase and looking for a no-annual-fee enterprise card, the Ink Enterprise Limitless could also be a terrific choice.
Present welcome supply: Earn $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Annual payment: $0.
Incomes construction: With the Ink Enterprise Limitless, you may earn 1.5% money again on each buy with no limits to how a lot you possibly can earn.
Why we prefer it: The Ink Enterprise Limitless is easy: You do not pay an annual payment and can earn money again at a flat fee with out maintaining monitor of a number of bonus classes.
The actual energy of this card comes once you additionally maintain a card that earns Chase Final Rewards factors, such because the Ink Enterprise Most well-liked Credit score Card, the Chase Sapphire Reserve® (see charges and charges) or the Chase Sapphire Most well-liked® Card (see charges and charges).
Holding a kind of three playing cards means that you can flip your cash-back earnings into Final Rewards factors. This basically doubles the worth of your earnings, in response to TPG’s Could 2025 valuations.
To study extra, learn our full evaluate of the Ink Enterprise Limitless.
Apply right here: Ink Enterprise Limitless Credit score Card
The Blue Enterprise Plus Credit score Card from American Specific
If you wish to earn American Specific Membership Rewards factors with out paying an annual payment, look into The Blue Enterprise Plus Credit score Card from American Specific.
Present welcome supply: Earn 15,000 bonus factors after spending $3,000 on eligible purchases with the cardboard inside the first three months of card membership. In accordance with TPG’s Could 2025 valuations, this welcome supply is value $300.
Annual payment: $0.
Incomes construction: With the Blue Enterprise Plus, you may earn 2 factors per greenback spent on all eligible purchases (on as much as $50,000 per calendar 12 months, then you definately’ll earn 1 level per greenback).
Why we prefer it: Small-business house owners all in favour of incomes American Specific Membership Rewards factors cannot go unsuitable with this no-annual-fee choice.
TPG’s Could 2025 valuations worth Membership Rewards factors at 2 cents every. Meaning you are incomes a 4% return on purchases without having to trace any bonus classes (on the primary $50,000 in spending per calendar 12 months, then an estimated 2% return).
We advocate transferring these factors to one among Amex’s 21 airline and resort journey companions to e-book airfare or resort stays. As an example, you possibly can switch your Amex factors to Air France-KLM Flying Blue to e-book discounted flights to Europe utilizing Flying Blue’s Promo Rewards, supplied month-to-month.
To study extra, learn our full evaluate of the Amex Blue Enterprise Plus.
Apply right here: The Blue Enterprise Plus Credit score Card from American Specific
The American Specific Blue Enterprise Money Card
Incomes money again on on a regular basis bills to your small enterprise is made straightforward with The American Specific Blue Enterprise Money Card.
Present welcome supply: Earn a $250 assertion credit score after making $3,000 in eligible purchases on the cardboard inside the first three months of card membership.
Annual payment: $0.
Incomes construction: The Blue Enterprise Money earns 2% money again on all eligible purchases (on as much as $50,000 per calendar 12 months, then 1% money again on all purchases afterward).
Why we prefer it: With the Blue Enterprise Money, you will not want to fret about maximizing any bonus classes, making cash-back earnings easy for companies with a broader listing of bills.
Plus, you may have entry to an prolonged guarantee, buy safety, and secondary automotive rental loss and injury insurance coverage.
To study extra, learn our full evaluate of the American Specific Blue Enterprise Money.
Apply right here: The American Specific Blue Enterprise Money Card
Capital One Spark Miles for Enterprise
You possibly can earn transferable Capital One miles on small-business spending with the Capital One Spark Miles for Enterprise.
Present welcome supply: Earn 50,000 bonus miles after spending $4,500 on purchases inside the first three months from account opening. Per TPG’s Could 2025 valuations, which deem Capital One miles are value 1.85 cents every, this bonus is value $925.
Annual payment: $0 introductory annual payment for the primary 12 months, then $95 thereafter.
Incomes construction: The Capital One Spark Miles for Enterprise earns 2 miles per greenback spent on most purchases. Nevertheless, you’ll earn 5 miles per greenback spent on resorts, trip leases and rental automobiles booked by Capital One’s journey reserving web site.
Why we prefer it: This card earns Capital One miles at a easy fee with out the necessity to memorize bonus classes, so it is a good choice for small-business house owners with numerous bills.
Capital One miles is a precious foreign money that may be transferred to 15-plus journey companions. For instance, you possibly can switch your Capital One miles to British Airways Avios and use these Avios to e-book flights with a number of airways, together with Aer Lingus, British Airways, Finnair, Iberia, Loganair and Qatar Airways.
To study extra, learn our full evaluate of the Capital One Spark Miles for Enterprise.
Study extra: Capital One Spark Miles for Enterprise
Capital One Spark Money Choose
The no-annual-fee Capital One Spark Money Choose makes incomes on common enterprise bills straightforward.
Present welcome supply: Earn $500 money again after spending $4,500 on purchases inside the first three months from account opening.
Annual payment: $0.
Incomes construction: You will earn 1.5% money again on most of your purchases. Nevertheless, for resorts and rental automobiles booked by Capital One’s journey reserving web site, you may earn 5% money again.
Why we prefer it: With this card, you may earn easy money again on most of your small business purchases, with the prospect to earn extra on choose bookings by Capital One’s journey reserving web site.
Small-business house owners who do not wish to fear about redeeming miles and like cash-back rewards will benefit from the simplicity of this card.
To study extra, learn our full evaluate of the Capital One Spark Money Choose.
Study extra: Capital One Spark Money Choose
Financial institution of America Enterprise Benefit Personalized Money Rewards Mastercard bank card
Financial institution of America usually slides beneath the radar when in comparison with main issuers like Chase and American Specific, however small-business house owners ought to completely contemplate the Financial institution of America Enterprise Benefit Personalized Money Rewards.
Present welcome supply: Earn a $300 assertion credit score after making $3,000 in purchases inside the first 90 days of account opening.
Annual payment: $0.
Incomes construction: The Financial institution of America Enterprise Benefit Personalized Money card earns 3% again within the class of your alternative for the primary $50,000 in mixed class/eating purchases every calendar 12 months, then 1% thereafter. Eligible classes embody:
- Enterprise consulting providers
- Laptop providers
- Gasoline stations and electrical car charging stations
- Workplace provide shops
- Journey
- TV/telecom and wi-fi
You will additionally earn 2% again on eating purchases and 1% again on different purchases.
Why we prefer it: You possibly can select an incomes class that matches your small business mannequin and alter this class every month to adapt to your small business operations.
Money again could be redeemed right into a checking or financial savings account with Financial institution of America or as a press release credit score. You can even decide in to mechanically redeem for money again every month, however take into account that there is a $25 redemption minimal.
Plus, members of the Financial institution of America Most well-liked Rewards program can earn rewards at as much as 75% larger charges, which means you possibly can stand up to five.25% again in your chosen class with this card. The bonus fee you obtain depends upon the amount of cash you could have inside this program.
To study extra, learn our full evaluate of the Enterprise Benefit Personalized Money card.
Apply right here: Financial institution of America Enterprise Benefit Personalized Money Rewards Mastercard bank card
Southwest Speedy Rewards Premier Enterprise Credit score Card
Southwest is among the hottest airways within the U.S. If your small business regularly flies with the provider, it might be time to open the Southwest Speedy Rewards Premier Enterprise Credit score Card.
Present welcome supply: Earn 60,000 bonus factors after spending $3,000 on purchases within the first three months from account opening. As of Could 2025, TPG values this welcome supply at $780.
Annual payment: $99.
Incomes construction: Once you spend with the Southwest Premier Enterprise card, you may earn 3 factors per greenback spent on purchases made with Southwest Airways; 2 factors per greenback spent on purchases made with Speedy Rewards resort and automotive rental companions, in addition to native transit and commuting bills (together with ride-hailing providers); and 1 level per greenback spent on all different purchases.
Why we prefer it: Southwest Airways is usually common with home vacationers. This card means that you can earn tier qualifying factors towards A-Checklist standing by bank card spending annually. You will additionally obtain 6,000 bonus factors each account anniversary 12 months.
Now that Southwest will finish its coverage of permitting flyers to examine two baggage totally free, holding a Southwest cobranded bank card (just like the Southwest Premier Enterprise) will turn out to be one of many few methods to ensure a free checked bag.
To study extra, learn our full evaluate of the Southwest Premier Enterprise card.
Apply right here: Southwest Speedy Rewards Premier Enterprise Credit score Card
Why many small companies lack enterprise bank cards
The 2025 Intuit QuickBooks Small Enterprise Index Annual Report additionally confirmed that there was a sharp rise in bank card spending by small-business house owners with a bank card because the COVID-19 pandemic.
Per the report, common spending continued to extend in January 2023, however common funds declined. By 2024, small companies with as much as 100 workers have been spending $24,250 on month-to-month bills and paying simply $16,760 every month.
With the information reflecting a rise in month-to-month curiosity funds, some small-business house owners who have not opened a enterprise bank card but could also be involved about their potential to repay a bank card’s stability earlier than curiosity begins to accrue.
Nevertheless, practising wholesome spending habits (comparable to paying off your stability in full every month) would alleviate these considerations.
Alternatively, some enterprise house owners could also be involved about their very own credit score historical past (or a decrease credit score rating) when making use of for a enterprise bank card. On this case, beginning with a secured bank card is a superb choice. This permits companies to construct credit score by a historical past of paying on time and by establishing a relationship with the issuing financial institution.
After a while, often a number of months, holders of many secured playing cards can request that the financial institution convert their card into a standard bank card. Generally, the financial institution might swap a cardholder to the unsecured model independently, with out requiring a request.
Associated: 3 actual methods to spice up your credit score rating in 30 days
Backside line
When beginning a small enterprise, there are lots of elements to think about. Understanding and constructing your small business credit score rating will help you achieve entry to extra credit score, which is able to unlock capital to assist your small business succeed financially.
Now that extra about enterprise bank cards and why they’re vital, contemplate including one among these stable choices as your first enterprise bank card. It might find yourself being the proper spending instrument to your small enterprise.
Associated: Enterprise bank card ideas everybody ought to comply with
For charges and charges of the Amex Blue Enterprise Plus card, click on right here.
For charges and charges of the Amex Blue Enterprise Money card, click on right here.
