CREDIT CARDS

Best Business Credit Cards for Good Credit (670-739) 2026

Last Updated: May 2026

21.5%Avg. Credit Card APR

$6,500Avg. Credit Limit

670+Good Credit Score

📋 Reviewed by WiseIQ Editorial Team · Updated April 2026 · Editorially independent

Discover the top business credit cards designed for entrepreneurs with good credit scores. We compare features, benefits, and rates to help you find the ideal card for your business needs.

WiseIQ Expert Tip

Always pay your statement balance in full each month — not just the minimum. Carrying a balance costs the average American over $1,200 per year in interest charges.

Our Top Business Credit Card Recommendations

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Editor's Pick

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Chase Bank · Visa

Best Business Flat-Rate

Ink Business Unlimited® Credit Card — Top Pick

WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.

Credit Card

Credit Card Issuer

Credit Card — Top Pick

WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card

Credit Card Issuer

U.S. Bank Triple Cash Rewards Visa® Business Card — Top Pick

WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Chase Bank · Visa

Best Business Cash Back

Ink Business Cash® Credit Card — Top Pick

WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.

Wells Fargo Signify Business Cash® Card

Credit Card Issuer

Wells Fargo Signify Business Cash® Card — Top Pick

WiseIQ may earn a referral fee if you apply and are approved. Rates and terms subject to change.

Business Credit Card Comparison Table

Rates verified May 2026 · Updated weekly

Card Name	Issuer	APR Range	Annual Fee	Key Benefit
Ink Business Unlimited® Credit Card	Chase	0% intro APR for 12 months, then 16.74%-22.74% Variable	$0	Unlimited 1.5% cash back
The American Express Blue Business Cash™ Card	American Express	0% intro APR for 12 months, then 16.74%-26.74% Variable	$0	2% cash back on up to $50k spend
U.S. Bank Triple Cash Rewards Visa® Business Card	U.S. Bank	0% intro APR for 15 months, then 16.24%-25.24% Variable	$0	3% cash back in select categories
Ink Business Cash® Credit Card	Chase	0% intro APR for 12 months, then 16.74%-22.74% Variable	$0	5% cash back in select categories
Wells Fargo Signify Business Cash® Card	Wells Fargo	0% intro APR for 12 months, then 16.74%-24.74% Variable	$0	Unlimited 2% cash back

How to Qualify for a Business Credit Card with Good Credit

Maintain a strong personal credit score (670-739 is considered good). Lenders often check personal credit for business card applications.
Have a clear business plan and demonstrate consistent revenue, even if it's a new business.
Ensure your business is legally structured and registered (e.g., LLC, Sole Proprietorship).
Provide accurate financial documentation, including tax IDs and business income.

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WiseIQ Editorial Team

Reviewed by Certified Financial Planners & Industry Experts

Our editorial team consists of financial writers, CFPs, and former banking professionals dedicated to providing accurate, unbiased financial guidance. All content is fact-checked and updated regularly. Learn about our editorial standards →

Frequently Asked Questions (FAQs)

What is considered a good credit score for a business credit card?

A good credit score for a business credit card typically falls within the 670-739 FICO score range. While some cards may accept lower scores, aiming for this range increases your approval chances and access to better terms.

Do business credit cards affect my personal credit score?

Many business credit cards do consider your personal credit score during the application process, and some may report account activity to personal credit bureaus. However, responsible use of a business credit card can also help build your business credit profile independently.

What are the main benefits of a business credit card?

Business credit cards offer several benefits, including separating business and personal expenses, earning rewards on business spending, improving cash flow, and building business credit history. They can also provide valuable business-specific perks like employee cards and spending reports.

Can I get a business credit card with no annual fee?

Yes, many excellent business credit cards offer no annual fee. These cards are a great option for businesses looking to minimize costs while still enjoying rewards and other benefits.

What kind of rewards can I earn with a business credit card?

Business credit cards offer a variety of rewards, including cash back, travel miles, and points that can be redeemed for merchandise, gift cards, or statement credits. Some cards offer accelerated rewards in specific business spending categories like office supplies, gas, or dining.

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