Top Business Credit Cards of November 2024

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Top Business Credit Cards of November 2024","alternativeHeadline":"Best Business Credit Cards of November 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/610413cfea74d40019b9db45?width=1200&format=jpeg","width":1200,"height":900},"name":"Best Business Credit Cards of November 2024","datePublished":"2024-10-29T18:34:23Z","dateModified":"2024-10-31T19:39:21Z","description":"Our experts' comprehensive guide to the best business credit cards highlights benefits, considerations, and strategic uses for your small business.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Miles Select for Business†, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Capital One Spark 1% Classic†, Chase Freedom Flex®, Capital One Spark Miles for Business†, The Plum Card® from American Express, Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card. The details for these products have not been reviewed or provided by the issuer.Business credit cards can completely transform your perspective on company expenses. Every dollar spent on business necessities can earn rewards toward a well-deserved vacation or extra cash in the bank. Better yet, the best options offer benefits that provide a layer of security for valuable company assets, such as extended warranty and purchase protection.Our expert recommendations evaluate the best credit cards for business so you can find the option that best fits your spending style, rewards preferences, and financial goals. These are the best cards available this month, as chosen by Business Insider's personal finance experts. Here are Business Insider's picks for the best business credit cards available right now:The best business credit cards for small business owners offer generous rewards on common business expenses, travel and purchase protections and benefits, and other perks that make your busy life a little bit easier. Some of them come with annual fees, but many other great candidates do not, giving you plenty of options. Each of the cards in this guide has been chosen for unique benefits that are valuable beyond standard requirements, such as generous reward rates or an introductory period of zero interest.The Ink Business Preferred® Credit Card is ideal if you want to earn valuable, flexible rewards points on your business spending through the Chase Ultimate Rewards® program. This card consistently offers a generous welcome bonus, although the high spending requirement on this offer may be hard for smaller businesses to meet. If you already hold one of the best Chase cards for consumers that earn these rewards, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve®, you'll earn even more by adding this small business credit card to your wallet.Like the Sapphire cards mentioned above, the Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points. You can either keep the rewards you earn on your Ink card separate from the rest of your Ultimate Rewards stash, or you can transfer the points to your personal credit cards. These points can be traded for cash back or transferred to Ultimate Rewards partners such as United Airlines or Marriott Hotels. If you transfer your Ultimate Rewards points to a personal card to purchase travel through Chase, you can get a 25% bonus if you use your personal Chase Sapphire Preferred® Card, or a 50% bonus if you move your Ink points to your Ink Business Preferred® Credit Card. What our experts love: Generous welcome offer, cellphone protection, and great rewards on travel, shipping, and advertising spend.What our experts don't love: This card has an annual fee, which may deter business owners who don't want to pay money to hold a credit card. Read our Chase Ink Business Preferred card review to learn more about this card. The Business Platinum Card® from American Express is the business version of the famous The Platinum Card® from American Express, and was Business Insider's former top-choice business card. However, this card's annual fee has increased since then, and it's become a bit more of a niche product.The Business Platinum Card® from American Express is potentially useful for midsize businesses that spend a lot on flights and travel, but less valuable for sole proprietors and smaller companies.The Business Platinum Card® from American Express benefits include 1.5x earning categories: U.S. construction material & hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million of these purchases per calendar year. Finally, cardholders can also enroll in annual statement credits for wireless, Indeed, Adobe purchases, and Dell. This card offers many luxury perks including airport lounge access, generous statement credits, and 5x Amex Membership Rewards points on airfare and prepaid hotels when you book through American Express Travel. However, the annual fee of The Business Platinum Card® from American Express is quite steep, and smaller companies may struggle to meet the spending requirement for the welcome bonus. What the experts love: Luxury travel benefits, 5x on travel booked through Amex, and airport lounge access. What the experts don't love: The high annual fee offsets potential benefits for smaller companies. Read our Amex Business Platinum card review to learn more about this card.The American Express Blue Business Cash™ Card is a good choice if you prefer straightforward cash-back earning without having to worry about keeping track of bonus categories. Business Insider considers it to be the best 2% cash back credit card for small business owners.With this card, you earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year, then 1% back (cash back is received in the form of Reward Dollars). It's hard to beat earning 2% cash back on all purchases on up to $50,000 spent per year (then 1%) with no annual fee, and a zero-interest credit card with an introductory 0% APR can give you some breathing room to pay off those big purchases over time at no additional cost. For small businesses with big expenses on the horizon, there's a 0% intro APR on purchases for 12 months from account opening (then a 17.74% - 25.74% Variable APR, rates and fees) that can help you save some money on interest, as well. New cardholders can also earn $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.What the experts love: 2% cash back on everything with no annual fee (rates and fees), a solid welcome offer, and a 0% intro APR period. What the experts don't love: Rewards are capped at 1% cash back after the first $50,000 spent each year. Read our Amex Blue Business Cash card review to learn more about this card.The Ink Business Unlimited® Credit Card is a simple one at first glance, earning unlimited 1.5% cash back. However, just like the consumer Chase Freedom Flex® \n and Chase Freedom Unlimited® cards, the Ink Business Unlimited® Credit Card has a trick up its sleeve.Although the card is marketed as \"cash back,\" it earns Chase Ultimate Rewards points that you can redeem for cash (1 point = 1 cent). That means that you can combine the points earned from the Ink Business Unlimited® Credit Card with the ones you earn from cards like the Ink Business Preferred® Credit Card, or the personal Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, and either earn a bonus when you redeem them for travel through Chase, or transfer them to travel partners. When those points are combined onto an Ink Business Preferred® Credit Card, you'll get a guaranteed 1.5 to 3 points per dollar spent.The card also offers a 0% intro APR on purchases for the first 12 months on purchases, followed by a 17.99% - 23.99% Variable APR, so it's a good choice if you have expenses coming up that you want to spread out over time.What the experts love: The welcome bonus offer is especially impressive for a no-annual-fee card.What the experts don't love: This card isn't as valuable on its own — you need to hold another Chase card to maximize your rewards.Read our Chase Ink Business Unlimited credit card review to learn more about this card.It's a rare points-earning business card that doesn't charge an annual fee (rates and fees). But with The Blue Business® Plus Credit Card from American Express, you'll earn 2 points per dollar on the first $50,000 you spend each calendar year, without any bonus categories you need to track. According to Business Insider's points and miles valuations, Amex points are worth 1.8 cents apiece on average, so you're getting a 3.6% return on all your business spending up to $50,000 each year.Right now, you can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership.What the experts love: 2x points on up to $50,000 spent each year (then 1x), with no annual fee. What the experts don't love: The welcome bonus is meager compared to many other cards. Read our Amex Blue Business Plus credit card review to learn more about this card.The Capital One Spark Miles Select for Business† recently increased its welcome bonus to 50,000 miles after spending $4,500 on purchases within the first three months from account opening. That's a rare deal from a no-annual-fee business card, and more than double the usual offer.Cardholders earn 1.5 miles per dollar on purchases (except hotels and car rentals booked through Capital One Travel, which earn 5 miles per dollar). There are no pesky foreign transaction fees to worry about, and you'll get a few travel benefits, including roadside assistance and secondary car rental insurance.The redemption options on this card are similar to that of its big sibling, the Capital One Spark Miles for Business† \n . Based on Business Insider's valuations, you can expect to get around $850 in travel from this card's bonus.What the experts love: A strong welcome bonus and earning for no annual fee make the card an affordable entry point if you're interested in earning credit card rewards for travel.What the experts don't love: The benefits are modest compared to other travel credit cards, and there is no intro APR offer.Read our Capital One Spark Miles Select for Business review to learn more about this card.If you don't want to pay the higher annual fee of The Business Platinum Card® from American Express, the American Express® Business Gold Card is a good alternative. And depending on your spending habits, the Business Gold could be a more rewarding choice, thanks to the ability to earn 4x points on popular business spending categories on the first $150,000 in combined purchases each calendar year in the two select categories where your business spent the most each month; then 1x. Eligible 4x categories are:This card currently comes with a big welcome offer of 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the card within the first three months of card membership (worth $1,800 based on Business Insider's valuations). Cardholders also receive a decent selection of travel and shopping perks.What the experts love: Generous bonus categories that reward your biggest areas of spend.What the experts don't love: This card is the only premium Amex card that doesn't offer a statement credit to offset the annual fee.Read our Amex Business Gold Card review to learn more about this card.The Ink Business Cash® Credit Card is another solid Chase entry. As with the Ink Business Unlimited® Credit Card, you can pool the \"cash\" you earn with points from a points-earning card, effectively converting your cash into (potentially) more valuable points.The Ink Business Cash® Credit Card is an especially good option if you can maximize its bonus categories, including office supply stores, internet, cable, and restaurants, among others. The card earns 5% cash back (5x points) at office supply stores and on internet, cable, and phone services, and 2% cash back (2x points) at gas stations and restaurants.You'll earn 5% and 2% in these categories on the first $25,000 in combined purchases each account anniversary year (then 1%), and 1% cash back (1 point per dollar) on all other purchases with no caps.New cardholders can also take advantage of a 0% intro APR on purchases for the first 12 months (then a 17.99% - 25.99% Variable APR), making this card a good choice for big purchases you want to pay off over several months.What the experts love: No annual fee and up to 5% cash back What the experts don't love: Minimal rewards beyond the bonus categoriesRead our Chase Ink Business Cash credit card review to learn more about this card.If you're looking for a rewards-earning business card with a generous 0% APR on both purchases and balance transfers, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is an excellent choice, and the best U.S. Bank credit card for small-business owners. Cardholders receive a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a 19.24% - 28.24% Variable APR, which is very uncommon on business cards.The card's welcome offer and earnings aren't anything to sniff at, either. New cardholders can earn $500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account (authorized user purchases won't count, however).You'll also earn 5% cash back on prepaid hotels and car rentals booked through the U..S Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases.Another unique feature of the card is an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks. If you already subscribe to these services, the statement credit is a nice bonus — and it's particularly unusual for a no-annual-fee card.What the experts love: Long intro APR on purchases and balance transfers, good bonus and earning rates, software subscription statement creditWhat the experts don't love: Foreign transaction feesRead our U.S. Bank Triple Cash Rewards card review to learn more about this card.Whether you have a new business or just don't have a ton of credit history, the Capital One Spark 1% Classic† could be a good stepping stone. It's possible to get approved for the card with just fair credit, whereas most other business cards that earn rewards require a good or even excellent credit score.The card offers 1% cash back on all purchases, which isn't spectacular, but as a starter business card, it's not bad. There are no annual fees or foreign transaction fees, and employee cards are free to add (you'll earn rewards for their purchases, too).You'll also receive a handful of good benefits, including secondary car rental insurance, purchase protection against damage or theft, extended warranty on eligible items, and travel and emergency assistance services.What the experts love: You only need fair credit to be considered for approval, decent benefits for a starter card, no foreign transaction fees or annual feeWhat the experts don't love: Card only earns 1% cash back across the board, no welcome bonus offerRead our review of the Capital One Spark Classic for Business to learn more about this card. Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.$95N/A20.74% - 26.74% VariableEarn 90,000 bonus pointsGood to ExcellentThe Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Earn 1X points for each dollar you spend on eligible purchases.$695N/A18.74% - 27.74% VariableEarn 150,000 Membership Rewards® pointsGood to ExcellentThe Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.$00% intro APR on purchases for 12 months from account opening17.74% - 25.74% VariableEarn a $250 statement creditGood to ExcellentIf you're spending money on your business anyway, you should be rewarded for those purchases by using one of the best small-business credit cards. With The American Express Blue Business Cash™ Card, you can earn unlimited cash back on your spending with no annual fee.Earn unlimited 1.5% cash back on purchases.$00% intro APR on purchases for the first 12 months17.99% - 23.99% VariableEarn $750 bonus cash backGood to ExcellentThe Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.$00% intro APR on purchases for the first 12 months from account opening17.74% - 25.74% VariableEarn 15,000 Membership Rewards® pointsGood to ExcellentIf you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.$0N/A17.99% - 23.99% variable APREarn 50,000 milesN/ASmall-business owners who want to earn credit card rewards for free travel should consider the Capital One Spark Miles Select for Business. It's offering an excellent welcome bonus for a no-annual-fee business credit card, and you can transfer the miles it earns to over a dozen airline and hotel partners.Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories (on the first $150,000 in combined purchases from these categories each calendar year, then 1X thereafter). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1x Membership Rewards® Points on all other purchases. Terms Apply.$3750% intro APR for six months from the date of account opening on purchases eligible for Pay Over Time18.74% - 27.74% VariableEarn 100,000 Membership Rewards® pointsGood to ExcellentThe American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.$00% intro APR on purchases for the first 12 months17.99% - 25.99% VariableEarn up to $750 bonus cash backGood to ExcellentBetween offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.$00% intro APR on purchases and balance transfers for 15 billing cycles19.24% - 28.24% Variable$500 cash backExcellent/GoodThe U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It's a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1% cash back on every purchase for your business with no limits or category restrictions.$0N/A30.49% VariableN/AFairWhether you have a new business or just don't have a ton of credit history, the Capital One Spark 1% Classic could be a good stepping stone. It's possible to get approved for the card with just fair credit, whereas most other business cards that earn rewards require a good or even excellent credit score.There are many unique benefits and advantages to business credit cards specific to small business needs, including easier accounting and expense-tracking for your company. You can also earn generous introductory bonuses and welcome offers. Once you understand earning and reward structures, you can maximize your rewards across common spending categories such as shipping fees, office supplies, or travel. You can choose from several types of business credit cards: cash-back business credit cards, business credit cards for travel, premium cards with exclusive benefits such as lounge access, insurance, and more, and business credit cards with no annual fee. You may also be able to take advantage of zero-interest intro APRs and interest-free periodsIf you aren't sure about the best fit for your needs, our expert guide can help. We cover some of the top questions and concerns about maximizing your benefits and protections. We recommend matching card features to your business spending and growth plans to identify the best option for you. In addition to providing our expert take on the best cards available right now, our credit card experts also compiled customer experiences and reviews across forums such as Reddit and FlyerTalk to see what other business owners have to say. Many business owners like the flexibility of earning cash back because it's so versatile. Travel rewards are often worth more when compared to the cash value of business- and first-class flights and five-star hotel stays, but cash back is the easiest and most quantifiable way to calculate true value. Some Redditors appreciate payment flexibility features that are unique to small business credit cards. For example, The Plum Card® from American Express \n offers a 1.5% discount if you pay off what you owe before it's due. However, Business Insider's credit card experts don't recommend The Plum Card for most business owners because it has a relatively high annual fee of $250 in exchange for minimal benefits beyond the early-pay discount. Many business credit cardholders mention the value of a credit card 0% intro APR, whether it's for purchases, balance transfers, or both. Zero-interest terms allow business owners to pay down large expenses, such as new equipment or commercial rent, over a longer period of time without incurring additional costs in the form of interest.Of course, after the initial period ends, you'll return to paying high rates of interest, so make sure you plan ahead to pay off the full amount you owe before your 0% APR term runs out. Many small business owners look for business credit cards that earn points or cash back within the same issuer \"ecosystems\" that they already use for personal credit cards. For example, many people who have one or more of the best Chase cards for consumers gravitate toward the best Chase business credit cards because earning and using Chase Ultimate Rewards points is easy between business and personal accounts.The best business credit cards often earn bonus rewards on specific purchases that pair well with benefits or bonus categories on personal cards. American Express credit cards work well together, just like Chase cards do. For example, The Blue Business® Plus Credit Card from American Express pairs well with the American Express® Gold Card and The Platinum Card® from American Express, which are two of the most popular consumer credit cards offered through Amex. Business owners who bank with Bank of America have access to the Bank of America Preferred Rewards loyalty program benefits, which earns additional cash back depending on how much money you deposit with Bank of America or Merrill. People who value cash back frequently tout the benefits of combining a cash-back credit card like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card \n with other Bank of America banking accounts. Business road warriors rave about travel-related benefits associated with certain business credit cards such as access to airport lounges, earning miles on travel purchases, and additional perks like priority boarding and free checked bags.We've highlighted the premium benefits of The Business Platinum Card® from American Express and the everyday rewards from The Blue Business® Plus Credit Card from American Express in this guide, but you may also want to consider other options if you frequently find yourself traveling for business. Many of the cards Redditors recommend are featured in our guide to the best business credit cards for travel. Few people get excited about accounting tools and features, but they can be a lifesaver for managing and organizing business expenses. Redditors emphasized the importance of finding business credit cards that offer authorized user and employee credit cards, or integrate with Quickbooks and other common accounting software tools for accurate cash flow management and efficient financial tracking. Business credit cards also help users separate business expenses from personal finances, which is important for clean accounting and for establishing business credit.Many small business credit cards rely on consumer credit scores for approval, so business owners with low personal credit may find it hard to get approved for a business credit card.Secured business credit cards can be the solution here. The best options help businesses build credit history by reporting responsible use to business credit bureaus, and some offer the option to upgrade to an unsecured card for better credit with responsible use. Redditors who don't otherwise qualify for business credit cards recommend looking at several of the cards in our guide to the best secured business credit cards. These cards require a cash security deposit, which usually equates to the credit limit you want to set on the credit card.The FoundersCard program is a paid membership that offers access to exclusive discounts and premium benefits for movers and shakers. Members get exclusive invitations to networking events, advance access to select shows and concerts, discounted rates on select airlines, and elite benefits at major hotel chains like Marriott, Hilton, and IHG. Joining FoundersCard doesn't come cheap, costing several hundred dollars each year depending on which membership tier you choose. But it can be worth many times its annual fee for the right demographic: people who frequently travel for business and pleasure, and value premium experiences and top-tier service while doing so. Our dedicated review delves deeper into what FoundersCard is and whether it's worth the investment. Business credit cards offer detailed expense tracking, help in building business credit, and provide rewards tailored to business spending like travel, office supplies, and telecommunications.Yes, startups can qualify for business credit cards. Some cards are designed with new businesses in mind, offering features that cater to the needs of startups.Depending on how the card is set up with the credit bureau, activity on a business credit card might not affect your personal credit score directly unless you default.Look for cards offering travel rewards, no foreign transaction fees, travel insurance, and airport lounge access to maximize travel benefits.Generally, rewards are not taxable as they are considered discounts or rebates on spending. However, large sign-up bonuses may sometimes be viewed differently, so it's advisable to consult with a tax professional.While personal credit cards are intended for any type of purchase, business credit cards are targeted toward business owners. That doesn't mean you need a large established company to apply for a business credit card. In fact, you can may qualify for a business card as long as you meet the bank's application requirements, even if you just resell household items on eBay or operate a small home baking business. It's easier to qualify for a business credit card than you may think. If you do any freelancing or a side gig, such as driving for Uber or selling items on eBay, you can typically qualify for a business credit card as a sole proprietor. In this case, you are personally on the hook for your business' debts.You can apply for a business card using your Social Security number if you're a sole proprietor. You should put down your legal name as the business name. If you have a business with employees, you'll need to answer questions about your business size, type, and revenue, in addition to providing your SSN and your EIN (if requested).With a business credit card, the primary cardholder is responsible for the debts on the card and for any fees that are incurred. A corporate card is issued by a company to its employees, and the company is responsible for paying that card.Business Insider evaluated dozens of business credit cards currently open to new applicants to determine the best options for most business owners. We chose our top contenders based on the following criteria:Read more about how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards, Small Business","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What are the main benefits of using a business credit card?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Business credit cards offer detailed expense tracking, help in building business credit, and provide rewards tailored to business spending like travel, office supplies, and telecommunications.</p>"}},{"@type":"Question","name":"Can startups qualify for business credit cards?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, startups can qualify for business credit cards. 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A corporate card is issued by a company to its employees, and the company is responsible for paying that card.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards","name":"Credit Cards"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card","name":"Best Business Credit Cards of November 2024"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">Best Business Credit Cards of November 2024</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Jasmin Baron" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/jasmin-baron" >Jasmin Baron</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine Fan</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/angela-fung" >Angela Fung</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-29T18:34:23Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-29T18:34:23Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 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helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#best-business-credit-cards" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best Business Credit Cards </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#business-credit-card-reviews" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us: How We Chose the Best Business Credit Cards </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Capital One Spark Miles Select for Business†, U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, Capital One Spark 1% Classic†, Chase Freedom Flex®, Capital One Spark Miles for Business†, The Plum Card® from American Express, Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card. The details for these products have not been reviewed or provided by the issuer.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Business credit cards can completely transform your perspective on company expenses. Every dollar spent on business necessities can earn rewards toward a well-deserved vacation or extra cash in the bank. Better yet, the best options offer benefits that provide a layer of security for valuable company assets, such as extended warranty and purchase protection.</p><p>Our expert recommendations evaluate the best credit cards for business so you can find the option that best fits your spending style, rewards preferences, and financial goals. These are the best cards available this month, as chosen by Business Insider's personal finance experts. </p><h2 data-toc-label="Best Business Credit Cards" id="best-business-credit-cards" class="toc-anchor"><strong>Best Business Credit Cards<br></strong></h2><p>Here are Business Insider's picks for the best business credit cards available right now:</p><ul><li>Best overall with generous welcome bonus: Ink Business Preferred® Credit Card</li><li>Best for premium travel perks: The Business Platinum Card® from American Express</li><li>Best flat-rate cash back: The American Express Blue Business Cash™ Card</li><li>Best for maximizing cash back: Ink Business Unlimited® Credit Card</li><li>Best for travel rewards: The Blue Business® Plus Credit Card from American Express</li><li>Best for flat-rate miles with no annual fee: Capital One Spark Miles Select for Business†<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Capital One Spark Miles Select for Business has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </li><li>Best for big spenders: American Express® Business Gold Card</li><li>Best for office supplies: Ink Business Cash® Credit Card</li><li>Best reward rate and generous intro 0% APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </li><li>Best for fair credit: Capital One Spark 1% Classic†<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Capital One Spark 1% Classic† has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </li></ul><h2 data-toc-label="Business Credit Card Reviews" id="business-credit-card-reviews" class="toc-anchor">Business Credit Card Reviews</h2><p>The best business credit cards for small business owners offer generous rewards on common business expenses, travel and purchase protections and benefits, and other perks that make your busy life a little bit easier. Some of them come with annual fees, but many other great candidates do not, giving you plenty of options. </p><p>Each of the cards in this guide has been chosen for unique benefits that are valuable beyond standard requirements, such as generous reward rates or an introductory period of zero interest.</p><h3>Ink Business Preferred® Credit Card</h3><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel="">Ink Business Preferred® Credit Card</a> is ideal if you want to earn valuable, flexible rewards points on your business spending through the <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">Chase Ultimate Rewards®</a> program. This card consistently offers a generous welcome bonus, although the high spending requirement on this offer may be hard for smaller businesses to meet. </p><p>If you already hold one of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-card" data-analytics-product-module="body_link" rel="">best Chase cards</a> for consumers that earn these rewards, such as the <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel=""></a> <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred® Card</a> or <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Reserve®,</a> you'll earn even more by adding this small business credit card to your wallet.</p><p>Like the Sapphire cards mentioned above, the Ink Business Preferred® Credit Card earns Chase Ultimate Rewards points. You can either keep the rewards you earn on your Ink card separate from the rest of your Ultimate Rewards stash, or you can transfer the points to your personal credit cards. These points can be traded for cash back or <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">transferred to Ultimate Rewards partners</a> such as United Airlines or Marriott Hotels. </p><p>If you transfer your Ultimate Rewards points to a personal card to purchase travel through Chase, you can get a 25% bonus if you use your personal Chase Sapphire Preferred® Card, or a 50% bonus if you move your Ink points to your Ink Business Preferred® Credit Card. </p><p><strong>What our experts love:</strong> Generous welcome offer, cellphone protection, and great rewards on travel, shipping, and advertising spend.</p><p><strong>What our experts don't love:</strong> This card has an annual fee, which may deter business owners who don't want to pay money to hold a credit card. </p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Ink Business Preferred card review</a> to learn more about this card. </em></p><h3>The Business Platinum Card® from American Express</h3><p>The Business Platinum Card® from American Express is the business version of the famous <a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-platinum-credit-card-review" data-analytics-product-module="body_link" rel="">The Platinum Card® from American Express,</a> and was Business Insider's former top-choice business card. However, this card's annual fee has increased since then, and it's become a bit more of a niche product.</p><p>The Business Platinum Card® from American Express is potentially useful for midsize businesses that spend a lot on flights and travel, but less valuable for sole proprietors and smaller companies.</p><p>The Business Platinum Card® from American Express benefits include 1.5x earning categories: U.S. construction material & hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million of these purchases per calendar year. Finally, cardholders can also enroll in annual statement credits for wireless, Indeed, Adobe purchases, and Dell. </p><p>This card offers many luxury perks including <a href="https://www.businessinsider.com/personal-finance/credit-cards/credit-cards-with-airport-lounge-access" data-analytics-product-module="body_link" rel="">airport lounge access</a>, generous statement credits, and 5x <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" data-analytics-product-module="body_link" rel="">Amex Membership Rewards points</a> on airfare and prepaid hotels when you book through <a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-travel" data-analytics-product-module="body_link" rel="">American Express Travel</a>. However, the annual fee of The Business Platinum Card® from American Express is quite steep, and smaller companies may struggle to meet the spending requirement for the welcome bonus. </p><p><strong>What the experts love: </strong>Luxury travel benefits, 5x on travel booked through Amex, and airport lounge access. </p><p><strong>What the experts don't love: </strong>The high annual fee offsets potential benefits for smaller companies. </p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-platinum-card-review" data-analytics-product-module="body_link" rel="">Amex Business Platinum card review</a> to learn more about this card.</em></p><h3>The American Express Blue Business Cash™ Card</h3><p>The American Express Blue Business Cash™ Card is a good choice if you prefer straightforward cash-back earning without having to worry about keeping track of bonus categories. Business Insider considers it to be the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-2-cash-back-credit-cards" data-analytics-product-module="body_link" rel="">best 2% cash back credit card</a> for small business owners.</p><p>With this card, you earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year, then 1% back (cash back is received in the form of Reward Dollars). </p><p>It's hard to beat earning 2% cash back on all purchases on up to $50,000 spent per year (then 1%) with no annual fee, and a <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-analytics-product-module="body_link" rel="">zero-interest credit card</a> with an introductory 0% APR can give you some breathing room to pay off those big purchases over time at no additional cost. </p><p>For small businesses with big expenses on the horizon, there's a 0% intro APR on purchases for 12 months from account opening (then a 17.74% - 25.74% Variable APR, <a href="https://affiliate.insider.com/?h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961">rates and fees</a>) that can help you save some money on interest, as well. New cardholders can also earn $250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening.</p><p><strong>What the experts love: </strong>2% cash back on everything with no annual fee (<a href="https://affiliate.insider.com/?h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961">rates and fees</a>), a solid welcome offer, and a 0% intro APR period. </p><p><strong>What the experts don't love:</strong> Rewards are capped at 1% cash back after the first $50,000 spent each year. </p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-cash-card-review" data-analytics-product-module="body_link" rel="">Amex Blue Business Cash card review</a> to learn more about this card.</em></p><h3>Ink Business Unlimited® Credit Card</h3><p>The Ink Business Unlimited® Credit Card is a simple one at first glance, earning unlimited 1.5% cash back. However, just like the consumer <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> and Chase Freedom Unlimited®<a href="https://www.businessinsider.com/personal-finance/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel=""></a> cards, the Ink Business Unlimited® Credit Card has a trick up its sleeve.</p><p>Although the card is marketed as "cash back," it earns Chase Ultimate Rewards points that you can redeem for cash (1 point = 1 cent). That means that you can combine the points earned from the Ink Business Unlimited® Credit Card with the ones you earn from cards like the Ink Business Preferred® Credit Card, or the personal Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, and either earn a bonus when you redeem them for travel through Chase, or transfer them to travel partners. When those points are combined onto an Ink Business Preferred® Credit Card, you'll get a guaranteed 1.5 to 3 points per dollar spent.</p><p>The card also offers a 0% intro APR on purchases for the first 12 months on purchases, followed by a 17.99% - 23.99% Variable APR, so it's a good choice if you have expenses coming up that you want to spread out over time.</p><p><strong>What the experts love: </strong>The welcome bonus offer is especially impressive for a no-annual-fee card.</p><p><strong>What the experts don't love: </strong>This card isn't as valuable on its own — you need to hold another Chase card to maximize your rewards.</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Ink Business Unlimited credit card review</a> to learn more about this card.</em></p><h3>The Blue Business® Plus Credit Card from American Express</h3><p>It's a rare points-earning business card that doesn't charge an annual fee (<a href="https://affiliate.insider.com/?h=5beb51e8c296d92e9f721129089d54e56a3b63a8c0ccfd8ab8b873806467f506&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675963" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=5beb51e8c296d92e9f721129089d54e56a3b63a8c0ccfd8ab8b873806467f506&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675963">rates and fees</a>). But with The Blue Business® Plus Credit Card from American Express, you'll earn 2 points per dollar on the first $50,000 you spend each calendar year, without any bonus categories you need to track. </p><p>According to Business Insider's points and miles valuations, Amex points are worth 1.8 cents apiece on average, so you're getting a 3.6% return on all your business spending up to $50,000 each year.</p><p>Right now, you can earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership.</p><p><strong>What the experts love: </strong>2x points on up to $50,000 spent each year (then 1x), with no annual fee. </p><p><strong>What the experts don't love:</strong> The welcome bonus is meager compared to many other cards. </p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-plus-credit-card-review" data-analytics-product-module="body_link" rel=""> Amex Blue Business Plus credit card review</a> to learn more about this card.</em></p><h3>Capital One Spark Miles Select for Business†</h3><p>The Capital One Spark Miles Select for Business† recently increased its welcome bonus to 50,000 miles after spending $4,500 on purchases within the first three months from account opening. That's a rare deal from a no-annual-fee business card, and more than double the usual offer.</p><p>Cardholders earn 1.5 miles per dollar on purchases (except hotels and car rentals booked through Capital One Travel, which earn 5 miles per dollar). There are no pesky foreign transaction fees to worry about, and you'll get a few travel benefits, including roadside assistance and secondary car rental insurance.</p><p>The redemption options on this card are similar to that of its big sibling, the Capital One Spark Miles for Business†<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> . Based on Business Insider's valuations, you can expect to get around $850 in travel from this card's bonus.</p><p><strong>What the experts love: </strong>A strong welcome bonus and earning for no annual fee make the card an affordable entry point if you're interested in earning credit card rewards for travel.</p><p><strong>What the experts don't love:</strong> The benefits are modest compared to other travel credit cards, and there is no intro APR offer.</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-spark-miles-select-for-business-review" data-analytics-product-module="body_link" rel="">Capital One Spark Miles Select for Business review</a> to learn more about this card.</em></p><h3>American Express® Business Gold Card</h3><p>If you don't want to pay the higher annual fee of The Business Platinum Card® from American Express, the American Express® Business Gold Card is a good alternative. And depending on your spending habits, the Business Gold could be a more rewarding choice, thanks to the ability to earn 4x points on popular business spending categories on the first $150,000 in combined purchases each calendar year in the two select categories where your business spent the most each month; then 1x. </p><p>Eligible 4x categories are:</p><ul><li>U.S. gas stations</li><li>U.S. restaurants (including takeout and delivery)</li><li>U.S. wireless telephone service provider </li><li>U.S. purchases made from electronic goods retailers and software & cloud system providers </li><li>U.S. purchases for advertising in select media (online, TV, radio)</li><li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways </li></ul><p>This card currently comes with a big welcome offer of 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the card within the first three months of card membership (worth $1,800 based on Business Insider's valuations). Cardholders also receive a decent selection of travel and shopping perks.</p><p><strong>What the experts love:</strong> Generous bonus categories that reward your biggest areas of spend.</p><p><strong>What the experts don't love:</strong> This card is the only premium Amex card that doesn't offer a statement credit to offset the annual fee.</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-gold-card-review" data-analytics-product-module="body_link" rel="">Amex Business Gold Card review</a> to learn more about this card.</em></p><h3>Ink Business Cash® Credit Card</h3><p>The Ink Business Cash® Credit Card is another solid Chase entry. As with the Ink Business Unlimited® Credit Card, you can pool the "cash" you earn with points from a points-earning card, effectively converting your cash into (potentially) more valuable points.</p><p>The Ink Business Cash® Credit Card is an especially good option if you can maximize its bonus categories, including office supply stores, internet, cable, and restaurants, among others. The <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-5-cash-back-credit-card" data-analytics-product-module="body_link" rel="">card earns 5% cash back</a> (5x points) at office supply stores and on internet, cable, and phone services, and 2% cash back (2x points) at gas stations and restaurants.</p><p>You'll earn 5% and 2% in these categories on the first $25,000 in combined purchases each account anniversary year (then 1%), and 1% cash back (1 point per dollar) on all other purchases with no caps.</p><p>New cardholders can also take advantage of a 0% intro APR on purchases for the first 12 months (then a 17.99% - 25.99% Variable APR), making this card a good choice for big purchases you want to pay off over several months.</p><p><strong>What the experts love: </strong>No annual fee and up to 5% cash back </p><p><strong>What the experts don't love: </strong>Minimal rewards beyond the bonus categories</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Ink Business Cash credit card review</a> to learn more about this card.</em></p><h3>U.S. Bank Business Triple Cash Rewards World Elite Mastercard</h3><p>If you're looking for a rewards-earning business card with a generous 0% APR on both purchases and balance transfers, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is an excellent choice, and the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-us-bank-credit-card" data-analytics-product-module="body_link" rel="">best U.S. Bank credit card</a> for small-business owners. Cardholders receive a 0% intro APR on purchases and balance transfers for 15 billing cycles, followed by a 19.24% - 28.24% Variable APR, which is very uncommon on business cards.</p><p>The card's welcome offer and earnings aren't anything to sniff at, either. New cardholders can earn $500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account (authorized user purchases won't count, however).</p><p>You'll also earn 5% cash back on prepaid hotels and car rentals booked through the U..S Bank Rewards Center, 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other eligible purchases.</p><p>Another unique feature of the card is an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks. If you already subscribe to these services, the statement credit is a nice bonus — and it's particularly unusual for a no-annual-fee card.</p><p><strong>What the experts love:</strong> Long intro APR on purchases and balance transfers, good bonus and earning rates, software subscription statement credit</p><p><strong>What the experts don't love:</strong> Foreign transaction fees</p><p><em>Read our <a href="https://www.businessinsider.com/personal-finance/credit-cards/us-bank-business-triple-cash-rewards-card-review" data-analytics-product-module="body_link" rel="">U.S. Bank Triple Cash Rewards card review</a><a href="https://www.businessinsider.com/personal-finance/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel=""></a> to learn more about this card.</em></p><h3 id="best-for-fair-credit">Capital One Spark 1% Classic†</h3><p>Whether you have a new business or just don't have a ton of credit history, the Capital One Spark 1% Classic† could be a good stepping stone. It's possible to get <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards-fair-credit" data-analytics-product-module="body_link" rel="">approved for the card with just fair credit</a>, whereas most other business cards that earn rewards require a good or even excellent credit score.</p><p>The card offers 1% cash back on all purchases, which isn't spectacular, but as a starter business card, it's not bad. There are no annual fees or foreign transaction fees, and employee cards are free to add (you'll earn rewards for their purchases, too).</p><p>You'll also receive a handful of good benefits, including secondary car rental insurance, purchase protection against damage or theft, extended warranty on eligible items, and travel and emergency assistance services.</p><p><strong>What the experts love:</strong> You only need fair credit to be considered for approval, decent benefits for a starter card, no foreign transaction fees or annual fee</p><p><strong>What the experts don't love:</strong> Card only earns 1% cash back across the board, no welcome bonus offer</p><p><em>Read our review of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-spark-classic-for-business" data-analytics-product-module="body_link" rel="">Capital One Spark Classic for Business</a> to learn more about this card. </em></p><h2 data-toc-label="Compare Business Credit Cards" id="compare-business-credit-cards" class="toc-anchor">Compare the Top Business Credit Cards</h2> <div id="ink-business-preferred®-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for intro bonus offer </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Ink Business Preferred® Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324" rel="nofollow noindex" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324" rel="nofollow noindex" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=0b91cb92f8d6c171eddfc5dbca6072d792338683c56c6e97f3ef26ef2bce8bad&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26674324"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6102e55aea74d40019b9af1a?width=400" alt="Chase Ink Business Preferred® Credit Card"> <noscript> <img src="https://i.insider.com/6102e55aea74d40019b9af1a?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e7425f9c48540424e6fabb3-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7459416488236101"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7459416488236101)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04766272709558095"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04766272709558095)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9582623576668545"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9582623576668545)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5419999899528365"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5419999899528365)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.35161282381773007"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.35161282381773007)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$95</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.74% - 26.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">90,000 bonus points after spending $8,000 on purchases in the first three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 90,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High sign-up bonus</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers 3x bonus points on several spending categories, including travel and advertising purchases</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Includes comprehensive travel coverage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Welcome bonus has a very high minimum spending requirement</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Ink Business Preferred® Credit Card offers a huge welcome bonus and solid earning and benefits for a moderate annual fee. If your small-business expenses line up with the card's bonus categories and you like redeeming Chase Ultimate Rewards® points for travel, this is one of the best small-business credit cards to consider.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Ink Business Preferred Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠</li> <li class="financial-product-card__product-details__list-item">Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases</li> <li class="financial-product-card__product-details__list-item">Round-the-clock monitoring for unusual credit card purchases</li> <li class="financial-product-card__product-details__list-item">With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.</li> <li class="financial-product-card__product-details__list-item">Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open</li> <li class="financial-product-card__product-details__list-item">Points are worth 25% more when you redeem for travel through Chase Travel℠</li> <li class="financial-product-card__product-details__list-item">Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e7425f9c48540424e6fabb3" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Preferred® Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="the-business-platinum-card®-from-american-express" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for premium travel perks </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">The Business Platinum Card® from American Express</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=38865cb83ae05f96d24701ef79f61435aeb328563463c5d4147501bd059da963&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682253" rel="nofollow noindex" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=38865cb83ae05f96d24701ef79f61435aeb328563463c5d4147501bd059da963&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682253"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On American Express's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=7c6f1a83053a3b353dc59335d8eb03fb666259d85cdc44cb93a9506e48dfb90e&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675964" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=7c6f1a83053a3b353dc59335d8eb03fb666259d85cdc44cb93a9506e48dfb90e&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675964">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=38865cb83ae05f96d24701ef79f61435aeb328563463c5d4147501bd059da963&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682253" rel="nofollow noindex" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=38865cb83ae05f96d24701ef79f61435aeb328563463c5d4147501bd059da963&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26682253"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60dde52b12b6f300180a3170?width=400" alt="American Express The Business Platinum Card® from American Express"> <noscript> <img src="https://i.insider.com/60dde52b12b6f300180a3170?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e78e372671de020577f79f5-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.39848574565359973"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.39848574565359973)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9127694171242706"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9127694171242706)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.52127409486655"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.52127409486655)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.638707734344439"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.638707734344439)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.007100004297602158"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.007100004297602158)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X points on each eligible purchase at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Earn 1X points for each dollar you spend on eligible purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$695</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">18.74% - 27.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 150,000 Membership Rewards® points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>More travel benefits than you'll find on any other business credit card</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Generous airport lounge access options, from American Express Centurion Lounges to Priority Pass (enrollment required)</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Complimentary hotel elite status (enrollment required)</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Access to Amex concierge services</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Very high annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Limited opportunities to earn bonus points</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Annual statement credits won't be useful for everyone</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Business Platinum Card® from American Express is one of the best small-business cards with an elevated bonus and top-notch benefits (and a premium annual fee to match). It's an excellent offer if you like earning Membership Rewards points and you can maximize the bonus spending categories and perks — but be sure to assess whether the annual fee is worth it for you before you commit.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-platinum-card-review" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amex Business Platinum Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.</li> <li class="financial-product-card__product-details__list-item">5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.</li> <li class="financial-product-card__product-details__list-item">Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.</li> <li class="financial-product-card__product-details__list-item">Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.</li> <li class="financial-product-card__product-details__list-item">$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.</li> <li class="financial-product-card__product-details__list-item">$199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.</li> <li class="financial-product-card__product-details__list-item">The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.</li> <li class="financial-product-card__product-details__list-item">$695 Annual Fee.</li> <li class="financial-product-card__product-details__list-item">Terms Apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e78e372671de020577f79f5" data-analytics-product-brand="American Express" data-analytics-product-name="The Business Platinum Card® from American Express" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="the-american-express-blue-business-cash™-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best flat-rate cash back with no annual fee </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">The American Express Blue Business Cash™ Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=a1fb1df37f9cbe47e827d25d3bc72ca2e0bb1aaf9014e0a3c3aa6d6cea6835d4&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675956" rel="nofollow noindex" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=a1fb1df37f9cbe47e827d25d3bc72ca2e0bb1aaf9014e0a3c3aa6d6cea6835d4&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675956"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On American Express's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=eab8f81f3a1c839a966aa53b6d30612acd8a9c2bd96fa8cb6423dd0d303a362c&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675961">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=a1fb1df37f9cbe47e827d25d3bc72ca2e0bb1aaf9014e0a3c3aa6d6cea6835d4&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675956" rel="nofollow noindex" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=a1fb1df37f9cbe47e827d25d3bc72ca2e0bb1aaf9014e0a3c3aa6d6cea6835d4&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675956"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5e8248322d41c1494440da63?width=400" alt="American Express The American Express Blue Business Cash™ Card"> <noscript> <img src="https://i.insider.com/5e8248322d41c1494440da63?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e8249731378e35fb972f6aa-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.38407871127445126"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.38407871127445126)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.768102604491754"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.768102604491754)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3899571621528539"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3899571621528539)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9793357093650019"> <stop stop-color="#faa809" offset="20%"></stop> <stop stop-color="white" offset="20%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9793357093650019)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7085201945162529"> <stop stop-color="#faa809" offset="-80%"></stop> <stop stop-color="white" offset="-80%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7085201945162529)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.2<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases for 12 months from account opening</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.74% - 25.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$250 statement credit after you make $3,000 in purchases on your card in your first three months of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn a $250 statement credit</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Good choice for earning 2% cash back on all your eligible purchases up to $50,000 a year</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Intro APR offer</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>If your business spends more than $50,000 a year, you'll want to use a different card to earn bonus cash back once you meet that threshold</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're spending money on your business anyway, you should be rewarded for those purchases by using one of the best small-business credit cards. With The American Express Blue Business Cash™ Card, you can earn unlimited cash back on your spending with no annual fee.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-cash-card-review" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amex Blue Business Cash Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.</li> <li class="financial-product-card__product-details__list-item">0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%</li> <li class="financial-product-card__product-details__list-item">Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.</li> <li class="financial-product-card__product-details__list-item">From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.</li> <li class="financial-product-card__product-details__list-item">The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.</li> <li class="financial-product-card__product-details__list-item">No Annual Fee</li> <li class="financial-product-card__product-details__list-item">Terms Apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e8249731378e35fb972f6aa" data-analytics-product-brand="American Express" data-analytics-product-name="The American Express Blue Business Cash™ Card" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="ink-business-unlimited®-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for maximizing cash back </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Ink Business Unlimited® Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=b97f74245786d40529d94ad5ab16b0300a715f73f67bd3ca8713b02885e18c58&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674326%26cr%3D28911%26last_updated%3D1605043376" rel="nofollow noindex" data-analytics-product-id="5e742582c4854077f0215603" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Unlimited® Credit Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=b97f74245786d40529d94ad5ab16b0300a715f73f67bd3ca8713b02885e18c58&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674326%26cr%3D28911%26last_updated%3D1605043376"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=b97f74245786d40529d94ad5ab16b0300a715f73f67bd3ca8713b02885e18c58&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674326%26cr%3D28911%26last_updated%3D1605043376" rel="nofollow noindex" data-analytics-product-id="5e742582c4854077f0215603" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Unlimited® Credit Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=b97f74245786d40529d94ad5ab16b0300a715f73f67bd3ca8713b02885e18c58&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674326%26cr%3D28911%26last_updated%3D1605043376"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6102e642ea74d40019b9af4b?width=400" alt="Chase Ink Business Unlimited® Credit Card"> <noscript> <img src="https://i.insider.com/6102e642ea74d40019b9af4b?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e742582c4854077f0215603-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.12062660661001345"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.12062660661001345)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6231948379592134"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6231948379592134)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.84677593115861"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.84677593115861)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5177085119200113"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5177085119200113)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.24282436184756717"> <stop stop-color="#faa809" offset="25%"></stop> <stop stop-color="white" offset="25%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.24282436184756717)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.25<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn unlimited 1.5% cash back on purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases for the first 12 months</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.99% - 23.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn $750 bonus cash back</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e742582c4854077f0215603" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Unlimited® Credit Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earns 1.5% cash back on every purchase, with no bonus categories to keep track of</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Intro APR offer </span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>You can earn more cash back on some purchases with a card that has bonus categories</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The Ink Business Unlimited® Credit Card is a great option for small business owners who prefer a straightforward earning rate and no annual fee. You'll earn 1.5% cash back on every purchase, and there's no limit to what you can earn.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-id="5e742582c4854077f0215603" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Unlimited® Credit Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Ink Business Unlimited <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening</li> <li class="financial-product-card__product-details__list-item">Earn unlimited 1.5% cash back on every purchase made for your business</li> <li class="financial-product-card__product-details__list-item">No Annual Fee</li> <li class="financial-product-card__product-details__list-item">Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.</li> <li class="financial-product-card__product-details__list-item">Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.</li> <li class="financial-product-card__product-details__list-item">Round-the-clock monitoring for unusual credit card purchases</li> <li class="financial-product-card__product-details__list-item">With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.</li> <li class="financial-product-card__product-details__list-item">0% introductory APR for 12 months on purchases</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e742582c4854077f0215603" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Unlimited® Credit Card" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="the-blue-business®-plus-credit-card-from-american-express" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for travel rewards with no annual fee </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">The Blue Business® Plus Credit Card from American Express</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=bd405294eb2d6acbe06cc36df1fa303ffb63e9c1276cb1a5ff2efc9b0fcb4208&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675951" rel="nofollow noindex" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=bd405294eb2d6acbe06cc36df1fa303ffb63e9c1276cb1a5ff2efc9b0fcb4208&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675951"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On American Express's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=5beb51e8c296d92e9f721129089d54e56a3b63a8c0ccfd8ab8b873806467f506&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675963" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=5beb51e8c296d92e9f721129089d54e56a3b63a8c0ccfd8ab8b873806467f506&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675963">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=bd405294eb2d6acbe06cc36df1fa303ffb63e9c1276cb1a5ff2efc9b0fcb4208&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675951" rel="nofollow noindex" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=bd405294eb2d6acbe06cc36df1fa303ffb63e9c1276cb1a5ff2efc9b0fcb4208&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675951"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/60b8e87f02ac410018f94073?width=400" alt="American Express The Blue Business® Plus Credit Card from American Express"> <noscript> <img src="https://i.insider.com/60b8e87f02ac410018f94073?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e824adc487c2258152d2483-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4163261429443119"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4163261429443119)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.40304806250042624"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.40304806250042624)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.0011123483756214636"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.0011123483756214636)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.23055104743179866"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.23055104743179866)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6536708605042789"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6536708605042789)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases for the first 12 months from account opening</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.74% - 25.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 15,000 Membership Rewards® points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>The rare no-annual-fee card to earn Amex Membership Rewards points</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Solid earning rate on the first $50,000 in purchases each year</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>For eligible purchases above $50,000 each year, you will only earn 1 point per dollar</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you're a small-business owner looking for a credit card that offers flexible rewards points without paying an annual fee, The Blue Business® Plus Credit Card from American Express is an excellent option. You don't need to own a full-time business to be eligible to apply, either — even freelancers and those with side gigs can qualify for a small-business card.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-plus-credit-card-review" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amex Blue Business Plus Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.</li> <li class="financial-product-card__product-details__list-item">0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%</li> <li class="financial-product-card__product-details__list-item">Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.</li> <li class="financial-product-card__product-details__list-item">You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.</li> <li class="financial-product-card__product-details__list-item">No Annual Fee</li> <li class="financial-product-card__product-details__list-item">Terms Apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e824adc487c2258152d2483" data-analytics-product-brand="American Express" data-analytics-product-name="The Blue Business® Plus Credit Card from American Express" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="capital-one-spark-miles-select-for-business†" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for flat-rate miles with no annual fee </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One Spark Miles Select for Business†</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6196de7d6f457d0018cd4ca1?width=400" alt="Capital One Capital One Spark Miles Select for Business†"> <noscript> <img src="https://i.insider.com/6196de7d6f457d0018cd4ca1?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="5e83a3280c2a6238011771f8-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.45409892891621206"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.45409892891621206)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.34106916385835206"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.34106916385835206)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2077878817765062"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2077878817765062)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.676800466672173"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.676800466672173)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6147208237912996"> <stop stop-color="#faa809" offset="10%"></stop> <stop stop-color="white" offset="10%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6147208237912996)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.1<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5X miles on every purchase, with no restrictions or blackout dates.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.99% - 23.99% variable APR</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">50,000 miles after spending $4,500 on purchases within the first three months from account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 50,000 miles</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5e83a3280c2a6238011771f8" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Spark Miles Select for Business†" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Generous welcome bonus offer</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earn flexible rewards you can transfer to airline and hotel partners</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee or foreign transaction fees</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Few travel benefits typical of other travel cards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No intro APR offer</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Some small-business credit cards offer higher earning rates with no annual fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Small-business owners who want to earn credit card rewards for free travel should consider the Capital One Spark Miles Select for Business. It's offering an excellent welcome bonus for a no-annual-fee business credit card, and you can transfer the miles it earns to over a dozen airline and hotel partners.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-spark-miles-select-for-business-review" data-analytics-product-id="5e83a3280c2a6238011771f8" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Spark Miles Select for Business†" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Capital One Spark Miles Select for Business† <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e83a3280c2a6238011771f8" data-analytics-product-brand="Capital One" data-analytics-product-name="Capital One Spark Miles Select for Business†" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="american-express®-business-gold-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for big spenders </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">American Express® Business Gold Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=05e814e3fe3ac02c20602509b3e64c2e1ca6b02591890bcfdc123faeb43cc426&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675954" rel="nofollow noindex" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=05e814e3fe3ac02c20602509b3e64c2e1ca6b02591890bcfdc123faeb43cc426&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675954"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On American Express's website</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=d68ab25ae6dc749a019fe8c4f9b1afc6923b62e79e370ae822a591cdf5e1b3ee&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675959" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=d68ab25ae6dc749a019fe8c4f9b1afc6923b62e79e370ae822a591cdf5e1b3ee&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675959">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=05e814e3fe3ac02c20602509b3e64c2e1ca6b02591890bcfdc123faeb43cc426&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675954" rel="nofollow noindex" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=05e814e3fe3ac02c20602509b3e64c2e1ca6b02591890bcfdc123faeb43cc426&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26675954"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/66a27f2a2d66759f66fe5500?width=400" alt="American Express American Express® Business Gold Card"> <noscript> <img src="https://i.insider.com/66a27f2a2d66759f66fe5500?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e823ee2487c2251324de161-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8487781180684693"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8487781180684693)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6362067343608129"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6362067343608129)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.21684220995883674"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.21684220995883674)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5254229399704244"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5254229399704244)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7955259655848927"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7955259655848927)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories (on the first $150,000 in combined purchases from these categories each calendar year, then 1X thereafter). Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Earn 1x Membership Rewards® Points on all other purchases. Terms Apply.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$375</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR for six months from the date of account opening on purchases eligible for Pay Over Time</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">18.74% - 27.74% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">100,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of card membership</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 100,000 Membership Rewards® points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>You can earn bonus points on the categories where you make the most purchases (from a list of options)</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>High annual fee</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The American Express® Business Gold Card is a good choice if your business spends a lot in certain categories and you want to earn Membership Rewards points for travel or other redemptions. It's got a high annual fee, but if you can use the card's benefits to your advantage, it can be well worth it.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/amex-business-gold-card-review" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amex Business Gold Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*</li> <li class="financial-product-card__product-details__list-item">0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% to 27.74% variable APR.*</li> <li class="financial-product-card__product-details__list-item">Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*</li> <li class="financial-product-card__product-details__list-item">Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*</li> <li class="financial-product-card__product-details__list-item">Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.</li> <li class="financial-product-card__product-details__list-item">Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*</li> <li class="financial-product-card__product-details__list-item">The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.</li> <li class="financial-product-card__product-details__list-item">*Terms Apply</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e823ee2487c2251324de161" data-analytics-product-brand="American Express" data-analytics-product-name="American Express® Business Gold Card" data-analytics-product-index="7" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="ink-business-cash®-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for office supplies and wireless </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Ink Business Cash® Credit Card</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=a33e66c934868d68652f0a59fbd8a0eaa7acd1ad8b45ea70f48f2d815413827c&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674321%26cr%3D28913%26last_updated%3D1605043619" rel="nofollow noindex" data-analytics-product-id="5e742690c4854078443559b2" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Cash® Credit Card" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=a33e66c934868d68652f0a59fbd8a0eaa7acd1ad8b45ea70f48f2d815413827c&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674321%26cr%3D28913%26last_updated%3D1605043619"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Chase's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71147-20&h=a33e66c934868d68652f0a59fbd8a0eaa7acd1ad8b45ea70f48f2d815413827c&platform=browser&postID=669ab3c4c87a0f57098c90eb&postSlug=personal-finance%2Fcredit-cards%2Fbest-small-business-credit-card&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674321%26cr%3D28913%26last_updated%3D1605043619" rel="nofollow noindex" data-analytics-product-id="5e742690c4854078443559b2" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Cash® Credit Card" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=a33e66c934868d68652f0a59fbd8a0eaa7acd1ad8b45ea70f48f2d815413827c&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26674321%26cr%3D28913%26last_updated%3D1605043619"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6102e6ddaedf2100190ef8a8?width=400" alt="Chase Ink Business Cash® Credit Card"> <noscript> <img src="https://i.insider.com/6102e6ddaedf2100190ef8a8?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e742690c4854078443559b2-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8745263306288629"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8745263306288629)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6062367381758011"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6062367381758011)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.922568331388"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.922568331388)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.43657482828030747"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.43657482828030747)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2831340784124903"> <stop stop-color="#faa809" offset="55%"></stop> <stop stop-color="white" offset="55%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2831340784124903)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.55<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases for the first 12 months</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">17.99% - 25.99% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn up to $750 bonus cash back</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="5e742690c4854078443559b2" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Cash® Credit Card" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Intro APR offer for purchases</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Annual cap on bonus categories</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Between offering a big welcome bonus, extra rewards in useful categories, and ongoing benefits like primary car rental insurance and purchase protection, the Ink Business Cash® Credit Card is an excellent no-annual-fee cash-back business credit card for small-business owners.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-id="5e742690c4854078443559b2" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Cash® Credit Card" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Ink Business Cash <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening</li> <li class="financial-product-card__product-details__list-item">Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year</li> <li class="financial-product-card__product-details__list-item">Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases</li> <li class="financial-product-card__product-details__list-item">With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.</li> <li class="financial-product-card__product-details__list-item">No Annual Fee</li> <li class="financial-product-card__product-details__list-item">Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.</li> <li class="financial-product-card__product-details__list-item">0% introductory APR for 12 months on purchases</li> <li class="financial-product-card__product-details__list-item">Member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e742690c4854078443559b2" data-analytics-product-brand="Chase" data-analytics-product-name="Ink Business Cash® Credit Card" data-analytics-product-index="8" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="u.s.-bank-business-triple-cash-rewards-world-elite-mastercard®" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for a generous intro 0% APR offer </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">U.S. Bank Business Triple Cash Rewards World Elite Mastercard®</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/610c37a538aff700189015f5?width=400" alt="U.S. Bank U.S. Bank Business Triple Cash Rewards World Elite Mastercard®"> <noscript> <img src="https://i.insider.com/610c37a538aff700189015f5?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="610c469afbc3520011a4f7a9-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1482137452283212"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1482137452283212)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.36664297447402716"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.36664297447402716)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.37481321760964303"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.37481321760964303)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8720751839860168"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8720751839860168)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3830455405342714"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3830455405342714)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center. Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">0% intro APR on purchases and balance transfers for 15 billing cycles</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">19.24% - 28.24% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">$500 cash back after spending $4,500 on purchases on the account holder's card in the first 150 days of opening your account</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">$500 cash back</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Excellent/Good</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="610c469afbc3520011a4f7a9" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Business Triple Cash Rewards World Elite Mastercard®" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Strong welcome bonus and bonus categories for a no-annual-fee card</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Introductory 0% APR on both purchases and balance transfers for 15 billing cycles</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>World Elite Mastercard benefits including cell phone protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Relatively high minimum spending requirement to unlock bonus</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Authorized user purchases don’t count toward minimum spending requirement</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a no-annual-fee card for small business owners with a generous welcome bonus and great bonus categories. It's a good pick if you prefer earning straight cash back, especially if you can use the $100 annual software credit.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/us-bank-business-triple-cash-rewards-card-review" data-analytics-product-id="610c469afbc3520011a4f7a9" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Business Triple Cash Rewards World Elite Mastercard®" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> U.S. Bank Business Triple Cash Rewards World Elite Mastercard <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="610c469afbc3520011a4f7a9" data-analytics-product-brand="U.S. Bank" data-analytics-product-name="U.S. Bank Business Triple Cash Rewards World Elite Mastercard®" data-analytics-product-index="9" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <div id="capital-one-spark-1%-classic†" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for applicants with fair credit </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Capital One Spark 1% Classic†</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6526ebbc68f1d46f52aef714?width=400" alt="Capital One®️ Capital One Spark 1% Classic†"> <noscript> <img src="https://i.insider.com/6526ebbc68f1d46f52aef714?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="5f57b21f977c431b777c54f3-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9559215651680426"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9559215651680426)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.07400077781130121"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.07400077781130121)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9274277739121619"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9274277739121619)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.813010357195386"> <stop stop-color="#faa809" offset="10%"></stop> <stop stop-color="white" offset="10%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.813010357195386)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.46433094683175313"> <stop stop-color="#faa809" offset="-90%"></stop> <stop stop-color="white" offset="-90%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.46433094683175313)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.1<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1% cash back on every purchase for your business with no limits or category restrictions.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">30.49% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Fair</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5f57b21f977c431b777c54f3" data-analytics-product-brand="Capital One®️" data-analytics-product-name="Capital One Spark 1% Classic†" data-analytics-product-index="10" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Travel and purchase protection</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Some other business cards offer better rewards</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No welcome bonus</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Whether you have a new business or just don't have a ton of credit history, the Capital One Spark 1% Classic could be a good stepping stone. It's possible to get approved for the card with just fair credit, whereas most other business cards that earn rewards require a good or even excellent credit score.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-spark-classic-for-business" data-analytics-product-id="5f57b21f977c431b777c54f3" data-analytics-product-brand="Capital One®️" data-analytics-product-name="Capital One Spark 1% Classic†" data-analytics-product-index="10" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Capital One Spark 1% Classic† <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f57b21f977c431b777c54f3" data-analytics-product-brand="Capital One®️" data-analytics-product-name="Capital One Spark 1% Classic†" data-analytics-product-index="10" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2>Why Use Business Credit Cards? Key Advantages</h2><p>There are many unique <a href="https://www.businessinsider.com/personal-finance/credit-cards/business-credit-card-benefits-advantages" data-analytics-product-module="body_link" rel="">benefits and advantages to business credit cards</a> specific to small business needs, including easier accounting and expense-tracking for your company. You can also earn generous introductory bonuses and welcome offers. Once you understand earning and reward structures, you can maximize your rewards across common spending categories such as shipping fees, office supplies, or travel. </p><p>You can choose from several types of business credit cards: <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-business-cards" data-analytics-product-module="body_link" rel="">cash-back business credit cards</a>, <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-business-credit-cards-for-travel" data-analytics-product-module="body_link" rel="">business credit cards for travel</a>, premium cards with exclusive benefits such as lounge access, insurance, and more, and <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-annual-fee-business-credit-cards" data-analytics-product-module="body_link" rel="">business credit cards with no annual fee</a>. You may also be able to take advantage of zero-interest intro APRs and interest-free periods</p><p>If you aren't sure about the best fit for your needs, our expert guide can help. We cover some of the top questions and concerns about maximizing your benefits and protections. We recommend matching card features to your business spending and growth plans to identify the best option for you. </p><h2>Consumer Insights on Business Credit Cards</h2><p>In addition to providing our expert take on the best cards available right now, our credit card experts also compiled customer experiences and reviews across forums such as Reddit and FlyerTalk to see what other business owners have to say. </p><h3>Cash is King</h3><p>Many business owners like the flexibility of earning cash back because it's so versatile. Travel rewards are often worth more when compared to the cash value of business- and first-class flights and five-star hotel stays, but cash back is the easiest and most quantifiable way to calculate true value. </p><h3>Payment Flexibility and Options</h3><p>Some Redditors appreciate payment flexibility features that are unique to small business credit cards. For example, The Plum Card® from American Express<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about The Plum Card® has been collected independently by Business Insider." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> offers a 1.5% discount if you pay off what you owe before it's due. However, Business Insider's credit card experts don't recommend <a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-plum-card" data-analytics-product-module="body_link" rel="">The Plum Card</a> for most business owners because it has a relatively high annual fee of $250 in exchange for minimal benefits beyond the early-pay discount. </p><h3>Zero-Interest Introductory Periods Help Finance Large Purchases</h3><p>Many business credit cardholders mention the value of a credit card 0% intro APR, whether it's for purchases, balance transfers, or both. Zero-interest terms allow business owners to pay down large expenses, such as new equipment or commercial rent, over a longer period of time without incurring additional costs in the form of interest.</p><p>Of course, after the initial period ends, you'll return to paying high rates of interest, so make sure you plan ahead to pay off the full amount you owe before your 0% APR term runs out. </p><h3>Stacking Rewards and Cash-Back Programs</h3><p>Many small business owners look for business credit cards that earn points or cash back within the same issuer "ecosystems" that they already use for personal credit cards. For example, many people who have one or more of the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-card" data-analytics-product-module="body_link" rel="">best Chase cards</a> for consumers gravitate toward the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-chase-business-credit-card" data-analytics-product-module="body_link" rel="">best Chase business credit cards</a> because <a href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">earning and using Chase Ultimate Rewards points</a> is easy between business and personal accounts.</p><p>The best business credit cards often earn bonus rewards on specific purchases that pair well with benefits or bonus categories on personal cards. <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-american-express-cards" data-analytics-product-module="body_link" rel="">American Express credit cards</a> work well together, just like Chase cards do. For example, The Blue Business® Plus Credit Card from American Express pairs well with the <a href="https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review" data-analytics-product-module="body_link" rel="">American Express® Gold Card</a> and <a href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-platinum-credit-card-review" data-analytics-product-module="body_link" rel="">The Platinum Card® from American Express</a>, which are two of the most popular consumer credit cards offered through Amex. </p><h3>Bank of America Preferred Rewards</h3><p>Business owners who bank with Bank of America have access to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/bank-of-america-preferred-rewards-loyalty-program-benefits" data-analytics-product-module="body_link" rel="">Bank of America Preferred Rewards loyalty program benefits</a>, which earns additional cash back depending on how much money you deposit with Bank of America or Merrill. People who value cash back frequently tout the benefits of combining a cash-back credit card like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card has been collected independently by Business Insider and has not been reviewed by the issuer of this product." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> with other <a href="https://www.businessinsider.com/personal-finance/banking/bank-of-america-review" data-analytics-product-module="body_link" rel="">Bank of America</a> banking accounts. </p><h3>Travel and Airline Benefits</h3><p>Business road warriors rave about travel-related benefits associated with certain business credit cards such as access to airport lounges, earning miles on travel purchases, and additional perks like priority boarding and free checked bags.</p><p>We've highlighted the premium benefits of The Business Platinum Card® from American Express and the everyday rewards from The Blue Business® Plus Credit Card from American Express in this guide, but you may also want to consider other options if you frequently find yourself traveling for business. Many of the cards Redditors recommend are featured in our guide to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-business-credit-cards-for-travel" data-analytics-product-module="body_link" rel="">best business credit cards for travel</a>. </p><h3>Business Expense Management</h3><p>Few people get excited about accounting tools and features, but they can be a lifesaver for managing and organizing business expenses. Redditors emphasized the importance of finding business credit cards that offer authorized user and employee credit cards, or integrate with Quickbooks and other common accounting software tools for accurate cash flow management and efficient financial tracking. Business credit cards also help users separate business expenses from personal finances, which is important for clean accounting and for establishing business credit.</p><h3>Secured Business Credit Cards</h3><p>Many small business credit cards rely on consumer credit scores for approval, so business owners with low personal credit may find it hard to get approved for a business credit card.</p><p>Secured business credit cards can be the solution here. The best options help businesses build credit history by reporting responsible use to business credit bureaus, and some offer the option to upgrade to an unsecured card for better credit with responsible use. </p><p>Redditors who don't otherwise qualify for business credit cards recommend looking at several of the cards in our guide to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-secured-business-credit-card" data-analytics-product-module="body_link" rel="">best secured business credit cards</a>. These cards require a cash security deposit, which usually equates to the credit limit you want to set on the credit card.</p><h2>Alternative Option for Business Benefits: FoundersCard Membership</h2><p>The FoundersCard program is a paid membership that offers access to exclusive discounts and premium benefits for movers and shakers. Members get exclusive invitations to networking events, advance access to select shows and concerts, discounted rates on select airlines, and elite benefits at major hotel chains like Marriott, Hilton, and IHG. </p><p>Joining FoundersCard doesn't come cheap, costing several hundred dollars each year depending on which membership tier you choose. But it can be worth many times its annual fee for the right demographic: people who frequently travel for business and pleasure, and value premium experiences and top-tier service while doing so. Our dedicated review delves deeper into <a href="https://www.businessinsider.com/personal-finance/credit-cards/what-is-founderscard-is-it-worth-it" data-analytics-product-module="body_link" rel="">what FoundersCard is and whether it's worth</a> the investment. </p><h2>Business Credit Card Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the main benefits of using a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Business credit cards offer detailed expense tracking, help in building business credit, and provide rewards tailored to business spending like travel, office supplies, and telecommunications.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can startups qualify for business credit cards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, startups can qualify for business credit cards. Some cards are designed with new businesses in mind, offering features that cater to the needs of startups.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does having a business credit card affect my personal credit score? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Depending on how the card is set up with the credit bureau, activity on a business credit card might not affect your personal credit score directly unless you default.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What should I look for in a business credit card if I travel frequently? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Look for cards offering travel rewards, no foreign transaction fees, travel insurance, and airport lounge access to maximize travel benefits.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are rewards earned on business credit cards taxable? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Generally, rewards are not taxable as they are considered discounts or rebates on spending. However, large sign-up bonuses may sometimes be viewed differently, so it's advisable to consult with a tax professional.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What's the difference between a personal credit card and a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">While personal credit cards are intended for any type of purchase, business credit cards are targeted toward business owners. That doesn't mean you need a large established company to apply for a business credit card. In fact, you can may qualify for a business card as long as you meet the bank's application requirements, even if you just resell household items on eBay or operate a small home baking business. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I qualify for a business credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">It's easier to qualify for a business credit card than you may think. If you do any freelancing or a side gig, such as driving for Uber or selling items on eBay, you can typically qualify for a business credit card as a sole proprietor. In this case, you are personally on the hook for your business' debts.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What do I put on a business credit card application? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can apply for a business card using your Social Security number if you're a sole proprietor. You should put down your legal name as the business name. If you have a business with employees, you'll need to answer questions about your business size, type, and revenue, in addition to providing your SSN and your EIN (if requested).</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What's the difference between a business credit card and a corporate credit card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">With a business credit card, the primary cardholder is responsible for the debts on the card and for any fees that are incurred. A corporate card is issued by a company to its employees, and the company is responsible for paying that card.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us: How We Chose the Best Business Credit Cards" id="why-you-should-trust-us:-how-we-chose-the-best-business-credit-cards" class="toc-anchor">Why You Should Trust Us: How We Chose the Best Business Credit Cards</h2><p>Business Insider evaluated dozens of business credit cards currently open to new applicants to determine the best options for most business owners. We chose our top contenders based on the following criteria:</p><ul><li><strong>Sign-up bonus — </strong>Does the card offer a valuable welcome bonus offer to new cardholders who meet a minimum spending requirement?</li><li><strong>Ongoing rewards —</strong> Beyond the welcome bonus offer, does the card offer a competitive rate of points or cash back on purchases?</li><li><strong>Other features —</strong> Does the card come with any additional benefits, such as travel protection, free employee cards, cell phone insurance, or primary car rental insurance?</li><li><strong>Annual fee —</strong> If the card has an annual fee, does it offer enough benefits to justify it?</li></ul><p>Read more about <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider.</p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/best-small-business-credit-card-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/jasmin-baron" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="jasmin-baron"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/602c10162edd0f001a8d5ed5?crop=1:1&width=256&format=jpeg&auto=webp" alt="Jasmin Baron and her three kids standing below the entrance sign at the Conrad Tokyo hotel."> <noscript> <img src="https://i.insider.com/602c10162edd0f001a8d5ed5?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/jasmin-baron" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Jasmin Baron</div> </a> <div class="post-author_title headline-regular">Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Jasmin Baron was an editor at Business Insider, responsible for credit card coverage on Business Insider.</span><span>Her expertise in maximizing travel rewards grew from over two decades of experience in the aviation industry, including 18 years working as a pilot and flight instructor in her native Canada.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the Compliance Manager for Business Insider's <a href="https://www.businessinsider.com/personal-finance" rel="">Personal Finance</a> division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of The Business Platinum Card® from American Express, please click <a href="https://oc.brcclx.com/t/?lid=26675964&cr=28352&last_updated=1598922554" target="_blank" rel="nofollow">here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of The Blue Business® Plus Credit Card from American Express, please click <a href="https://oc.brcclx.com/t/?lid=26675963&cr=28341&last_updated=1598920702" target="_blank" rel="nofollow">here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the American Express Blue Business Cash™ Card, please click <a href="https://oc.brcclx.com/t/?lid=26675961&cr=28293&last_updated=1598577381" target="_blank" rel="nofollow">here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the American Express® Business Gold Card, please click <a href="https://oc.brcclx.com/t/?lid=26675959&cr=28366&last_updated=1598925109" target="_blank" rel="nofollow">here.</a></em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! 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