Business
Best Business Credit Cards of 2026
Top picks for small business owners and entrepreneurs — from no-fee cashback cards to premium travel cards that earn on your biggest expenses.
Michael TorresFebruary 1, 2026Updated Mar 20269 min read
The right business credit card can earn you hundreds or thousands of dollars back on the expenses you're already making — office supplies, advertising, travel, and dining. Unlike personal cards, business cards often have higher sign-up bonuses, larger spending caps, and features designed for companies like employee cards and spending controls.
Best No-Annual-Fee Business Card
The Chase Ink Business Cash earns 5% at office supply stores and on internet, cable, and phone services — the highest rate available in those categories with no annual fee. A $750 welcome bonus after $6,000 spend makes year one especially rewarding.
Best no-annual-fee business cards
Key Benefits
Office Supplies5%
Internet/Cable/Phone5%
Gas Stations2%
Everything else1%
No Annual Fee$750 bonus
Best Business Travel Card
The Chase Ink Business Preferred offers the largest welcome bonus available on a business card — 90,000 Ultimate Rewards points worth $1,125 toward travel. With 3x on travel, advertising, and shipping, it covers the key expenses of most growing businesses.
Best business travel and rewards cards
Key Benefits
Top 2 spending categories (auto-selected)4x
Airfare via Amex Travel3x
Everything else1x
$295/yr$1000 bonusNo FTF
Stack Business Cards
Running multiple business cards from different issuers is a legitimate strategy. The Ink Business Cash (5% on office supplies) + Ink Business Preferred (3x on travel/ads) + Ink Business Unlimited (1.5% on everything else) together maximize earning across all categories.
Best Premium Business Card
The Amex Business Platinum's 150,000-point welcome bonus is the largest available and worth $1,500+. The $695 annual fee is offset by over $1,000 in credits for travel, software, and business services.
Best premium business card for frequent travelers
Key Benefits
Flights (Amex Travel)5x
Hotels (Amex Travel)5x
Purchases over $5,000 each1.5x
Everything else1x
$695/yr$1500 bonusNo FTF
Business Card vs. Personal Card
Business cards generally don't appear on your personal credit report (except Capital One), which means they don't affect your personal credit utilization. However, most require a personal guarantee, so you're still personally liable for the debt.
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