Small Business
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Spark Cash Select for Good Credit
See rates and fees
Rewards rate
Unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
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Pros & cons
$0 annual fee, making it a cost-effective choice for businesses.
Unlimited 1.5% cash back on all purchases, simplifying reward earning without tracking categories.
0% intro APR on purchases for 12 months, providing a period of interest-free spending.
No foreign transaction fees, ideal for businesses with international transactions.
Cash back rate may be lower compared to other business credit cards that offer higher rewards in specific categories.
No specific intro bonus offer, which is commonly available with other business credit cards.
After the intro APR period, the variable APR can be relatively high based on creditworthiness.
Card Details
The Capital One Spark Cash Select for Good Credit is perfect for businesses seeking simple cash back and payment flexibility. Earn unlimited 1.5% on everything, 5% on hotels and rental cars booked through Capital One Travel, and enjoy a 0% intro APR on purchases for 12 months. There’s no annual fee or foreign transaction fees. While the APR is variable and the rewards rate may be less than some cards, this card is ideal for businesses with good credit seeking to manage cash flow and earn rewards.
Bank of America Business Advantage Unlimited Cash Rewards Mastercard credit card
Rewards rate
Unlimited 1.5% cash back on all purchases.
No annual cap on rewards and they don't expire.
75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier, potentially earning up to an unlimited 2. 62% cash back on all purchases.
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Pros & cons
Unlimited 1.5% cash back on all purchases.
No annual fee.
Introductory 0% APR on purchases for the first 9 billing cycles.
Flexible redemption options for cash rewards.
High variable APR after the introductory period.
Maximum cash back benefits require a significant banking relationship with Bank of America.
Cash advance and balance transfer fees may reduce the overall value of cash back rewards.
Card Details
The Business Advantage Unlimited Cash Rewards Mastercard® credit card delivers simple cash back for businesses. Earn unlimited 1.5% on everything, with no annual fee and an intro 0% APR on purchases. Businesses with a qualifying Bank of America® account can earn up to 2.62% cash back. This card is ideal for businesses seeking straightforward rewards with no spending caps.
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Pros & cons
No annual fee.
Introductory 0% APR on purchases for the first 7 billing cycles.
Employee cards at no additional cost with set credit limits.
Automatic rebates with Mastercard Easy Savings Program.
High variable APR after the introductory period.
No rewards program for cash back or points on purchases.
Cash advance and balance transfer fees may apply.
Card Details
The Platinum Plus® for Business Mastercard® prioritizes cost savings for businesses. Enjoy a 0% intro APR on purchases for the first 7 billing cycles, no annual fee, automatic rebates, and free employee cards. While it lacks rewards, this card is ideal for businesses focused on managing cash flow and simplifying expenses.
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card
Rewards rate
3% cash back in the category of your choice: gas stations and EV charging stations, office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services.
2% cash back on dining purchases.
Unlimited 1% cash back on all other purchases.
3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
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Pros & cons
Flexible cash back categories with the option to earn 3% cash back.
No annual fee.
Introductory 0% APR on purchases for the first 9 billing cycles.
Flexible redemption options including deposits into Bank of America accounts, statement credits, or checks.
High variable APR after the introductory period.
Cash back rewards cap on 3% and 2% categories at $50,000 in combined purchases each calendar year.
Requires a business checking account with Bank of America to qualify for the highest rewards rate boost.
Card Details
The Business Advantage Cash Rewards Mastercard® credit card offers flexible cash back for businesses. Earn 3% in your choice category (up to $50,000 annually, then 1%), 2% on dining, plus unlimited 1% on everything else. Enjoy a $300 statement credit bonus, no annual fee, and an intro 0% APR on purchases. This card is ideal for businesses seeking customizable cash back rewards.
Bank of America Business Advantage Travel Rewards World Mastercard credit card
Rewards rate
Earn unlimited 1.5 points for every $1 spent on all purchases.
Points don't expire and there's no limit to the amount you can earn.
75% more points on every purchase if you qualify for Preferred Rewards for Business Platinum Honors tier, potentially earning up to 2.62 points per $1 on all purchases.
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Pros & cons
No annual fee and no international transaction fees.
Unlimited 1.5 points per $1 spent on all purchases.
Flexible redemption options including statement credits for travel and dining, travel with no blackout dates, cash back, or gift cards.
Additional rewards for customers with a business checking account and qualifying for Preferred Rewards for Business
High variable APR after the introductory period.
Requires significant banking relationship with Bank of America to maximize rewards.
Cash advance and balance transfer fees may diminish the value of rewards.
Card Details
The Business Advantage Travel Rewards World Mastercard® credit card simplifies business travel rewards. Earn unlimited 1.5 points per $1 spent on everything, with no annual fee or foreign transaction fees. Businesses with a strong Bank of America® relationship can earn up to 2.62 points per $1. Redeem points flexibly for travel, cash back, and more.
The Blue Business Plus Credit Card from American Express
Rewards rate
2X Points on everyday business purchases, up to $50k per calendar year.
1X Points on all other eligible purchases.
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Pros & cons
No annual fee.
2X points on the first $50,000 spent each year.
0% introductory APR on purchases for 12 months.
Flexible buying power with Expanded Buying Power.
2X points cap at $50,000 in purchases per year.
High APR after the introductory period.
Card Details
The Blue Business® Plus Credit Card from American Express simplifies rewards for small businesses. Earn 2X points on everyday business purchases (up to $50,000 annually) and enjoy a 0% intro APR for 12 months with no annual fee. The Expanded Buying Power feature adds flexibility. Just remember the points cap and that a high APR kicks in after the intro period.