Top Business Credit Cards for Small Enterprises

Discover the best credit card options tailored for small business owners. This guide highlights top cards offering cashback, rewards, and benefits designed to streamline expenses and build credit. Whether you need international flexibility or rewards for office supplies, find the perfect fit for your enterprise with our curated selections.

If you're a small business owner, using your personal credit card for business expenses isn't advisable.

Mixing personal and business finances can create issues with budgeting and financial management. A dedicated business credit card can provide benefits like cashback, rewards, discounts, and easier expense tracking, helping you save costs. These cards also offer flexible revolving credit lines, making financial handling more manageable. Additionally, responsible use can help build a strong credit history for your business.

Choosing the right card depends on your specific needs. Here are five top options for small business owners:

Capital One Spark® Cash Business Card
Offers a flat 2% cashback on unlimited purchases, with no foreign transaction fees—ideal for international business needs.

Chase Ink Business Preferred℠
Earn up to 80,000 points as a sign-up bonus after spending $5,000 in the first three months. Points can be redeemed for travel or transferred to airline and hotel programs.

Chase Ink Business Cash℠
Receive a $500 bonus after $3,000 spending in three months, with no annual fee.

American Express SimplyCash® Plus Business Card
Offers cashback that can be reinvested into your business, including 5% on office supplies and phone services within the year.

Capital One Spark® Classic
An affordable option for maintaining a good credit score through responsible use, with minimal fees.

Disclaimer: The information provided here is based on research and expert insights. Financial offerings can vary, and scenarios may change. Consult a financial professional before making decisions, as the website cannot guarantee the accuracy or applicability of the material.