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How we rank: Products are ranked by credit score fit, rates, fees, and features — not by commission size. See full methodology →
Editor's Pick
Ink Business Preferred® Credit Card
Chase Bank · Visa Signature
Best Business Travel
3x Points
Earn 3x Chase Ultimate Rewards points on travel, shipping, advertising, and internet/cable/phone — up to $150K per year. Points transfer to 14 airline and hotel partners.
100,000 point welcome bonus ($1,250 value)
3x points on travel, shipping, ads, internet
Transfer to United, Hyatt, Southwest + 11 more
$0 foreign transaction fees
Cell phone protection up to $1,000
Free employee cards
American Express® Business Gold Card
American Express · Charge Card
4x Points
Automatically earn 4x Membership Rewards points in your top two spending categories each month — no need to pick in advance. Perfect for businesses with variable expenses.
4x points in top 2 categories automatically
Categories: airfare, ads, gas, restaurants, tech, shipping
$240 flexible business credit annually
No preset spending limit
Transfer to 20+ airline and hotel partners
Free employee cards
Capital One Spark Cash Plus
Capital One · Charge Card
Best Flat Cash Back
Unlimited 2% cash back on every purchase with no caps, no categories to track, and no foreign transaction fees. The simplest business cash back card available.
Unlimited 2% cash back on everything
$1,200 welcome bonus (spend $30K in first 3 months)
Annual fee refunded if you spend $150K+/year
No foreign transaction fees
No preset spending limit
Free employee cards
The Blue Business® Cash Card from Amex
American Express · Credit Card
2% Cash Back
No Annual Fee
Earn 2% cash back on all purchases up to $50,000 per year (then 1%) with no annual fee. The best no-fee business cash back card for small businesses.
2% cash back on first $50K/year
No annual fee
Expanded buying power above credit limit
0% intro APR for 12 months
Employee cards at no extra cost
Year-end summary for tax prep
Ink Business Cash® Credit Card
Chase Bank · Visa
5% Cash Back
No Annual Fee
Earn 5% cash back at office supply stores and on internet, cable, and phone services (up to $25K/year). No annual fee and a $750 welcome bonus.
5% back at office supply stores + internet/cable/phone
2% back at gas stations and restaurants
$750 welcome bonus (spend $6K in 3 months)
No annual fee
0% intro APR for 12 months
Free employee cards
Brex Business Card
Brex · Corporate Card
Top Pick for Startups — Based on WiseIQ\'s Methodology
No Personal Guarantee
No personal credit check, no personal guarantee. Brex approves based on your business cash balance — ideal for startups, LLCs, and businesses that cannot qualify for traditional cards.
No personal credit check required
No personal guarantee
7x points on rideshare, 4x on travel
3x on restaurants, 2x on software
No annual fee
Real-time expense tracking built in
Ramp Corporate Card
Ramp · Corporate Card
Best Expense Management
No Annual Fee
AI-powered expense management with 1.5% cash back on everything. Ramp automatically finds savings in your spending and integrates with QuickBooks, Xero, and NetSuite.
1.5% cash back on all purchases
AI savings insights built in
QuickBooks, Xero, NetSuite integration
No personal guarantee
Virtual cards for every vendor
No annual fee, no foreign transaction fees