Top Business Credit Cards in the U.S. in 2026

With so many options available, choosing the right business credit card can be overwhelming. The best card depends on how your business spends, your rewards preferences, and whether you need travel perks, cash back, or low interest rates.

Below is a curated list of the top-performing business credit cards in the U.S., covering everything from high-reward travel cards to no-fee cashback options tailored for entrepreneurs.

Card Name	Best For	Annual Fee	Rewards	Intro Offer	Key Features
Ink Business Unlimited® Credit Card	Flat-rate cash back	$0	1.5% cash back on all purchases	$750 after spending $6,000 in 3 months	No annual fee, unlimited rewards, integrates with Chase Ultimate Rewards®
Capital One Spark Cash Plus	High flat-rate cash back	$150 (refundable with $150,000 annual spend)	2% cash back on all purchases	$2,000 after spending $50,000 in 6 months	No preset spending limit, ideal for large expenses
U.S. Bank Triple Cash Rewards Visa® Business Card	Category-based cash back	$0	3% cash back on select categories, 1% on others	$500 after spending $4,500 in 150 days	Intro 0% APR on purchases and balance transfers for 15 billing cycles
Capital One Venture X Business	Travel rewards	$395	2x miles on all purchases; up to 10x on travel bookings	Up to 350,000 bonus miles with qualifying spend	Includes lounge access, annual travel credit, and anniversary miles
Ink Business Preferred® Credit Card	Bonus category rewards	$95	3x points on select business categories	90,000 points after spending $15,000 in 3 months	Points are worth 25% more when redeemed for travel through Chase
The Business Platinum Card® from American Express	Premium travel perks	$695	5x points on flights and prepaid hotels through Amex Travel	120,000 points after spending $15,000 in 3 months	Access to Centurion Lounges, $200 airline fee credit, and more
American Express® Business Gold Card	Flexible rewards	$375	4x points on top 2 spending categories each billing cycle	70,000 points after spending $10,000 in 3 months	No preset spending limit, tailored rewards
The Blue Business® Plus Credit Card from American Express	No annual fee with rewards	$0	2x points on the first $50,000 in purchases annually	15,000 points after spending $3,000 in 3 months	Intro 0% APR on purchases for 12 months
Bank of America® Business Advantage Customized Cash Rewards Mastercard®	Customizable cash back	$0	3% cash back in the category of choice, 2% on dining, 1% on others	$300 after spending $3,000 in 90 days	Preferred Rewards members can earn up to 75% more cash back
Capital One Spark Miles for Business	Travel flexibility	$0 intro for first year, then $95	2x miles on all purchases	50,000 miles after spending $4,500 in 3 months	Transfer miles to 15+ travel partners

Tools and Apps to Manage Business Credit Cards Effectively

Using a business credit card wisely requires more than just responsible spending; you also need the right tools to track, analyze, and optimize every transaction.

The good news is, there are several powerful apps and platforms designed to help entrepreneurs manage credit usage, monitor expenses, avoid debt, and build business credit.

Here are the most useful tools every small business should consider:

QuickBooks Online—Best for Accounting and Credit Integration

QuickBooks Online is the industry standard for small business accounting, and it integrates seamlessly with most major business credit cards.

You can automatically import transactions, categorize expenses, and reconcile accounts monthly. It also helps with budget tracking, cash flow forecasting, and preparing your books for tax season.

It reduces manual data entry, catches errors quickly, and keeps your credit card activity aligned with your financial records.

Expensify—Best for Receipt Tracking and Employee Card Management

If you or your team make frequent purchases, Expensify is ideal for organizing receipts and creating real-time expense reports.

You can scan receipts, match them to card transactions, and set rules for approval workflows. It is especially helpful if you issue employee cards and want to track spending across departments.

It automates expense reporting, simplifies reimbursement, and helps you stay audit-ready.

Nav—Best for Monitoring and Building Business Credit

Nav offers a clear, user-friendly dashboard to track both personal and business credit scores from bureaus like Experian, Dun & Bradstreet, and Equifax.

You will also get personalized credit card and loan recommendations based on your credit profile. It is a must-have if you want to improve your business credit strategically.

It shows real-time changes in your business credit, alerts you to issues, and helps you qualify for better credit terms.

Mint – Best for Budgeting and Oversight

While not business-specific, Mint is an excellent free tool for solo entrepreneurs or freelancers looking to track multiple cards, set spending limits, and receive alerts.

It consolidates all your accounts into one dashboard, allowing you to monitor cash flow and catch irregular spending fast.

It gives you a bird’s-eye view of your business finances and helps enforce spending discipline.

Brex—Best for Card Management Without Personal Guarantee

Brex is a corporate card built for startups and tech-savvy businesses. It does not require a personal credit check, and it offers built-in tools for spend management, employee tracking, and automated receipt matching.

It is ideal for scaling teams and companies with regular tech or advertising spend.

No personal liability, real-time spend visibility, and strong credit-building potential, all within one platform.

Divvy—Best for Budgets and Real-Time Expense Controls

Divvy is a free business credit platform that combines a credit line with software tools. It lets you build custom budgets, assign cards to employees, set spending limits by category, and approve expenses in real time.

Its mobile app makes it easy to manage on the go, and it gives you more granular control over how your credit is used across teams and departments.