Best Business Credit Cards for New Businesses

Why We Like It: The Ink Business Cash® Credit Card gives you an introductory APR of 0% for 12 months on purchases, plus $350 for spending $3,000 in the first 3 months plus an additional $400 after spending $6,000 in the first 6 months. The Ink Business Cash® Credit Card also has a $0 annual fee and 1 - 5% cash back on purchases.

What We Don’t Like: The Ink Business Cash® Credit Card has a regular APR of 18.49% - 24.49% (V).

Who Should Get It: Consider applying for the Ink Business Cash® Credit Card if you have good credit and you have a big purchase coming up.

Why We Like It: The U.S. Bank Business Platinum Card is the best business credit card for a long 0% APR. It offers an introductory APR of 0% for 18 billing cycles on purchases and balance transfers, giving you several extra months without interest compared to the average 0% card. The U.S. Bank Business Platinum Card also has a $0 annual fee.

What We Don’t Like: The U.S. Bank Business Platinum Card has a regular APR of 17.24% - 26.24% (V) and a transfer fee of 3% (min $5). However, you can avoid interest entirely if you pay off your balance by the end of the intro period.

Who Should Get It: Consider applying for the U.S. Bank Business Platinum Card if you have good credit and you wish to save on interest costs.

Why We Like It: The U.S. Bank Business Platinum Card is the best business credit card for balance transfers, offering an introductory APR of 0% for 18 billing cycles. That could completely save you from interest charges if you pay off your balance before the regular APR takes effect. The U.S. Bank Business Platinum Card also has a $0 annual fee.

What We Don’t Like: The U.S. Bank Business Platinum Card has a regular APR of 17.24% - 26.24% (V) and a transfer fee of 3% (min $5). The transfer fee can be worth paying given the long interest-free period it gets you, and the regular APR doesn’t have to affect you at all.

Who Should Get It: Consider applying for the U.S. Bank Business Platinum Card if you have [cc-min-credit- required-editorial id="928c"] credit and high-interest debt that you can afford to pay off in 18 billing cycles without interest accruing.

Why We Like It: The U.S. Bank Business Altitude™ Connect World Elite Mastercard® is the best new-business credit card for travel rewards. For starters, it offers 60,000 points for spending $6,000 in the first 180 days. In addition, you will earn 1 - 5 points per $1. Most cards only give you a fraction of the same earning power.
 
What We Don’t Like: This card has an annual fee of $95 from the second year onward, as well as a high interest rate. Still, you can save a lot of money as long as you pay the bill in full monthly.
 
Who Should Get It: Apply for U.S. Bank Business Altitude Connect if you have Good credit personally and you travel for business frequently. It’s best if your company’s top expenses also include dining, gas/EV charging, and cell service, as you’ll be able to earn ongoing bonus rewards in those categories.

Why We Like It: Capital One Spark 2% Cash Plus is the best business credit card for a new business because it offers 2 - 5% cash back on purchases, in addition to an initial bonus of $1,200 for spending $30,000 in the first 3 months. Those are elite rewards that are easy to take advantage of, so at least one part of running your new business can be straightforward.
 
What We Don’t Like: There is an annual fee of $150, but it will prove to be a good investment if you manage the account responsibly. This card will not help you finance big-ticket business expenses over the course of months, however.
 
Who Should Get It: Consider applying for Capital One Spark Cash Plus if you have excellent credit personally and the rewards complement your spending habits. You also have to be prepared to pay the bill in full every month, since this is a charge card.

If you don’t know what your credit score is, you can check it for free right here on WalletHub.

Why We Like It: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® not only gives you a very long 0% introductory period for both purchases and balance transfers, but it also rewards you handsomely for making purchases. Specifically, you can get 0% for 15 billing cycles, plus $500 cash back for spending $4,500 in the first 150 days and 1 - 5% cash back on all purchases. You don’t even need to pay an annual fee.
 
What We Don’t Like: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® has a regular APR of 19.24% - 28.24% (V) and a transfer fee of 3% (min $5).
 
Who Should Get It: Consider applying for the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you have good credit and you want to save on interest but don’t want to miss out on rewards.

Why We Like It: The Business Advantage Unlimited Cash Rewards Secured credit card is the best business credit card for bad credit. If you get this card, you will earn 1.5% cash back on all purchases. Almost as importantly, you won’t have to pay any membership fees.  
 
What We Don’t Like: You will have to put down a deposit of $1000, but that’s completely refundable when you close your account with a $0 balance.
 
Who Should Get It: Consider applying for the Business Advantage Unlimited Cash Rewards Secured credit card if you have bad credit and want to save money as you improve your credit score.

Why We Like It: The Capital One Spark Classic for Business is the best business credit card for a new business owner with no credit because it rewards you with at least 1% cash back on all purchases and has a $0 annual fee. Most other options will give you rewards or a low fee but not both.
 
What We Don’t Like: A high APR makes carrying a balance from month to month pretty expensive.
 
Who Should Get It: Consider applying for Capital One Spark Classic if you’re a small business owner with limited credit.

Why We Like It: The Brex Corporate Card for Startups is the best business credit card with no personal guarantee for new-business owners who have limited credit. It has a $0 annual fee, rewards you with 1 - 7 points per $1 on purchases, and offers an initial bonus of 30,000 points for spending $3,500 or 50,000 points for spending $9,000 in 30 days. Plus, unlike with most small business credit cards, you won’t be personally liable for unpaid balances.
 
What We Don’t Like: This is a charge card, meaning you must pay the bill in full monthly.
 
Who Should Get It: Consider applying for the Brex Credit Card if the rewards suit your spending habits and you only need a card for everyday business expenses that you can pay off by the due date each month.

Why We Like It: The Stripe Corporate Card is the best business credit card with no personal guarantee for new businesses. If you get this card, you will not be personally liable for unpaid balances, and you will earn 1.5% cash back on every business purchase. You’ll also enjoy a $0 annual fee.

What We Don’t Like: The Stripe Corporate Card requires excellent credit for approval. You need to pay the bill in full every month since it’s a charge card.
 
Who Should Get It: Consider applying for the Stripe Corporate Card if you have excellent credit personally and you are looking for a card with no personal guarantee along with a flat rewards rate.