Updated May 2026
Best Business Credit Cards of 2026
Separate business and personal expenses, earn outsized points on business spend, and access expense management tools. Built for founders, freelancers, and businesses of all sizes.
Rankings
Top 8 Best Business Credit Cards
Chase
Ink Preferred
$95/yr
~$2,050 bonus
Welcome Offer
Highest since tracking started100,000 Ultimate
Spend $8K in 3mo
The best business card for Chase Ultimate Rewards accumulation
Amex
Blue Business Plus
$0/yr
~$300 bonus
Welcome Offer
15,000 Membership
Spend $3K in 3mo
The best no-fee MR card for business owners
Amex
Amex Business Gold
$375/yr
~$4,000 bonus
Welcome Offer
200,000 Membership
Spend $15K in 3mo
Amex MR ecosystem
Amex
Amex Business Platinum
$695/yr
~$6,000 bonus
Welcome Offer
300,000 Membership
Spend $20K in 3mo
Amex MR ecosystem
Chase
Ink Cash
$0/yr
~$750 bonus
Welcome Offer
750 Cash
Spend $6K in 6mo
The no-fee business powerhouse for phone bills and office spending
Chase
Ink Unlimited
$0/yr
~$750 bonus
Welcome Offer
750 Cash
Spend $6K in 6mo
Chase UR ecosystem
Capital One
Spark Cash Plus
$150/yr
~$1,200 bonus
Welcome Offer
1,200 Cash
Spend $30K in 3mo
Cash Back ecosystem
Capital One
Spark Miles
$95/yr
~$925 bonus
Welcome Offer
50,000 Capital
Spend $5K in 3mo
Capital One Miles ecosystem
Side-by-side
Quick Comparison
| Card | Annual Fee | Signup Bonus | Value |
|---|---|---|---|
| $95 | 100,000 Ultimate | $2,050 | |
| $0 | 15,000 Membership | $300 | |
| $375 | 200,000 Membership | $4,000 | |
| $695 | 300,000 Membership | $6,000 | |
Ink Cash Chase | $0 | 750 Cash | $750 |
Bonus values are estimates. Always verify current offers directly with the issuer before applying.
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FAQ
Frequently Asked Questions
Can I apply for a business card as a sole proprietor?
Yes. Most Chase Ink, Amex Business, and Capital One Spark cards accept sole proprietors using their SSN. You don't need an LLC or EIN. Your business name can be your own name.
Do business cards affect my personal credit score?
Chase Ink cards do NOT count toward your personal 5/24 and typically don't appear on your personal credit report (except for a hard inquiry on approval). Amex and Capital One business cards also generally don't report to personal credit bureaus.
CreditPoints may receive compensation when you are approved for a card through links on this page. Offers and card details are based on publicly available information and may change without notice. Rankings reflect editorial judgment based on first-year value estimates. Not affiliated with any card issuer.