Finding the right credit card for your small business expenses is important to streamline accounting, earn valuable rewards, and build a good credit history. The options for small business credit cards have grown significantly in recent years, with cards tailored for businesses of all sizes and spending needs.
This overview highlights some of the easiest small business credit cards to get in 2024 based on rewards rates, sign-up bonuses, convenience features, and reputation. From cash back and travel rewards to flexible business spending, these cards make it easy to manage business expenses on the card that suits your spending style. With research, you can choose a card that saves you money or lets you splurge on services that help your business grow.
8 Easiest Business Credit Cards To Get in 2024
Here are the best 8 business credit cards that you can get in 2024.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express offers an excellent rewards structure for small business owners. This business credit card provides 3 points per dollar spent on the first $50,000 in eligible spending each quarter in each of these categories: shipping, office supplies, travel, social media advertising and IT services. Outside of these bonus categories, cardmembers earn 1 point per dollar spent on all other purchases.
Using the Blue Business Plus Card is simple with no application fees, late payment fees or foreign transaction fees. Cardmembers can redeem points for various rewards such as travel, gift cards, merchandise and statement credits. There are no blackout dates or restrictions on number of seats when using points for flights. The points never expire and can be redeemed whenever needed.
With powerful purchase protections, valuable insurance benefits and extended return protection, the Blue Business Plus card also offers peace of mind when making purchases. It includes $0 Fraud Liability, $0 Purchase Protection, Return Protection, Purchase Assurance, and Extended Warranty Protection. These benefits work together to protect business expenses in the event of issues like return problems, damage or identity theft.
For cash flow flexibility, cardmembers can pay bills from proceeds, access business funds with an advance, or pay off larger purchases over time with special financing offers. There are no preset spending limits, allowing the use of the card with confidence whenever expenses arise.
American Express is a leader in business credit cards, providing solutions for businesses of all sizes. The Blue Business Plus card stands out within their lineup with rewards tailored to the specific needs of small companies. With strong rewards, protections and features that save time and money, this card is an excellent choice to support business operations and meet goals. By using it for all expenses, cardmembers can earn more and pay less through the powerful combination of rewards, perks and services.
With a spotless track record of reliability, American Express and their Blue Business Plus card are there when success depends on it. Overall, this card delivers extraordinary value and premium service for small businesses.
American Express Blue Business CashTM Card
The American Express Blue Business CashTM Card offers valuable rewards and benefits for small business owners. This straightforward cash-back rewards card lets business owners start earning cash back right away.
Business owners can earn 1% cash back on all purchases with no complex categories or bonus cash back schedules. Every dollar spent is a dollar redeemed, which means the cash back adds up quickly on business essentials like inventory, supplies, and travel costs. American Express builds in extra rewards benefits without an annual fee.
In addition to unlimited cash back, cardmembers receive solid purchase protections and fraud coverage. No questions asked return protection allows returns within 120 days of purchase, and extended warranty extends original eligible product warranties by an additional year. Fraud liability coverage protects against unauthorized charges. If fraud occurs on the account, business owners are typically only liable for $0 or less.
For bigger rewards, card members can redeem cash back for statement credits, direct deposits, gift cards, and travel. With the flexibility to choose how rewards are redeemed, business owners can select options that match their business goals. Whether paying down business debt or funding travel for business trips, the rewards match the priorities of small business owners.
The Blue Business Cash Card also offers valuable services to help companies grow and thrive. This includes 24/7 concierge services, online resources, and exclusive business network opportunities. Additional services include business expense management tools, merchant discounts, and a business credit report and score. With services tailored to businesses, the card cuts through the clutter to provide resources that solve real challenges.
For business owners wanting a rewards credit card with broad benefits and flexible rewards, the American Express Blue Business Cash Card delivers without distraction or surprise fees. A straightforward, reliable card for business spending that fuels business success.
Business Platinum Card from American Express
The Business Platinum Card from American Express is a premium rewards credit card for entrepreneurs and business leaders. This prestigious card delivers transformative benefits and experiences for executives and expeditiously growing businesses.
As a card for executives, The Business Platinum Card offers airport lounge access, elite travel benefits, and exclusive access to Amex Global Services. Cardmembers receive access to more than 1,000 airport lounges around the world with complimentary admittance for them and up to two guests. Elite travel status and personalized concierge services ensure a first-class experience. For assistance anytime and anywhere, Amex Global Services provides 24/7 access to a dedicated international concierge team.
For businesses, The Business Platinum Card builds a prestigious brand and attracts and retains top talent. Valuable rewards and perks incentivize employees while showcasing the company’s investment in their success and well-being. Each card also provides 5X Membership Rewards points per dollar spent on travel and 3X points on restaurants and airfare purchased through Amex Travel. Points are highly valuable and can be redeemed for travel, gift cards, cash back, and more.
In addition to transformative rewards, The Business Platinum Card offers superior protections and services. Robust purchase protection covers against damage, theft, and extended warranty claims. Broader fraud coverage protects against more types of unauthorized charges with a higher fraud liability limit. A dedicated account management team and 24/7 concierge services provide personalized support. Additional benefits include corporate card matching, expense management tools, and business credit insights.
While rewards credit cards continue multiplying, The Business Platinum Card stands alone in its ability to deliver an unparalleled experience and opportunities. This premium card builds prestige, inspires talent, fuels business growth, and reaches new heights of success. With timeless design, priceless experiences, and unsurpassed benefits, The Business Platinum Card is the iconic choice for ambitious leaders and innovative companies. Amex continues to redefine premium with this card of exquisite excellence and unrivaled caliber.
For executives and businesses wanting the premium card experience, The Business Platinum Card is in a league of its own. This elevated choice delivers experiences, not just rewards.
American Express® Business Gold Card
The American Express® Business Gold Card is one of the most valuable business credit cards available. It offers premium rewards and services designed specifically for small business owners and entrepreneurs.
This card earns 2 Membership Rewards points per $1 spent on all purchases. There are no limits or spending caps on rewards, so businesses can earn points quickly whether spending on general expenses, client projects, or business growth initiatives.
Cardholders can redeem points for statement credits, gift cards, merchandise, travel, and more. They have access to a wide range of valuable card benefits including airport lounge access, travel credits, purchase protection, extended warranty coverage, and 24/7 travel assistance services.
The Business Gold Card provides access to Amex’s robust business services and resources. This includes Business Office, an online platform with tools for managing finances, sending invoices, setting budgets, and streamlining accounting. Complimentary financial reports and business planning consultations are also available.
Amex regularly provides targeted bonus offers and promotions for Business Gold Card members to earn additional points or statement credits. Businesses that spend a certain amount within the first 3 months of card membership are often awarded a generous bonus payout. Special category bonuses and challenges are frequently running as well to boost earnings in areas like travel, dining, and shipping.
With its compelling rewards, useful services, valuable tools, and recurring bonus opportunities, the American Express Business Gold Card stands out as one of the premier options for business owners and frequent spenders. The VIP treatment, premium benefits, and high flexiblity meet the unique needs of running a small business. The Business Gold Card is an excellent all-around choice to simplify finances, maximize cash back, and fuel business growth.
When paired with responsible use, the Business Gold Card can be instrumental in helping businesses achieve more while managing costs. Its rewards and resources are designed to make a real impact, not just provide superficial perks. The American Express Business Gold Card: smart business spending at its best.
The Capital One Spark Cash Plus
The Capital One Spark Cash Plus credit card is an excellent choice for cashback enthusiasts and those looking to maximize rewards on everyday spending. It offers unlimited 3% cash back on dining purchases and 2% at grocery stores, gas stations, and gas stations, with no spending limits or caps on cashback earnings.
Cardholders earn unlimited 1.5% cash back on all other purchases with no fees for things like annual fees, foreign transaction fees, or penalty APRs. Cash back is awarded immediately as points post to your account right away and you can redeem at any time. There are endless ways to spend your points including gift cards, travel, cash-back deposits, and charities.
The Spark Cash Plus provides an optional $95 annual fee cash back bonus worth a total of $600 cash back after spending $3,000 on purchases in the first 3 months. This is an effective 20% return on the annual fee amount and a strong benefit for those willing to pay the fee. The card has a $0 intro APR on purchases and balance transfers for 15 months, helping you finance high-value purchases interest-free during an important time.
Outside of cashback and rewards, the Spark Cash Plus offers protections, extended warranties, price protection, travel insurance, and purchase protection. Your purchases are insured against damage and theft. Prices are matched if an item goes on sale after purchase. And you get extended warranty coverage for most products. Claims and questions are handled by Capital One staff and its network of service providers.
For everyday spending, dining out, filling up the gas tank, or those frequent grocery trips, the Spark Cash Plus ensures you get the most cash back possible with no limits and no categories left behind. Its rewards are simple, rewarding, and directly deposited to your bank account. There are no points to remember, tiers to reach, or expirations to worry about with this card. Overall, the Capital One Spark Cash Plus is one of the strongest cash back credit cards available today with a straightforward, unlimited design. When used responsibly, it can provide healthy returns on your regular spending and finances.
The Capital One Tap Business Credit Card
The Capital One Tap Business Credit Card is a robust business credit card ideal for small companies and startups. It offers premium rewards, financial tools, strong security features, and insider business benefits to help build business credit, gain valuable insights, and boost productivity.
Cardholders earn unlimited 2% cash back on all purchases with no spending limits or caps. You get 1.5% in business categories that include technology, office supplies, and travel. There are no fees with this card like annual fees, foreign transaction fees or penalty APRs. Your cash back is awarded immediately as points post to your account instantly after every purchase.
Capital One Tap includes useful business resources and services. It provides complimentary access to your FICO Score, cash flow Analyzer tool, business credit reports, and a dedicated small business advisor. You get customized alerts on important metrics like monthly revenue, key business expenses, portfolio trends, and competitors. No other business credit card offers as much insight into your business’s financial health.
This card offers enhanced security and fraud protection for businesses. It provides chip technology, fraud alerts, purchase alerts, locked chip cards, and employee card controls. You have greater visibility and management over employee spending through integrated expense management software.
For those with an existing business credit card, Capital One Tap lets you consolidate high-interest debt and earn more rewards on your spending. You can qualify for a 0% intro APR for 12-18 months on purchases and balance transfers when you transfer a balance from another card. This helps free up more cash and pay down your balance faster.
With its compelling rewards, financial insights and tools, premium security features, debt management advantages, and more, the Capital One Tap Business Credit Card is a business credit card solution like no other. It is designed to support entrepreneurs and decision makers in each stage of building a business. When matched with responsible use, Capital One Tap can help gain valuable business credit, monitor key metrics, reduce costs, improve productivity, and fuel future growth. For smart, impactful business spending, Capital One Tap delivers.
The Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card from Chase is an excellent choice for businesses and frequent spenders. It offers premium rewards, valuable services, strong security, and useful tools perfect for entrepreneurs, small companies, and growing businesses.
This card earns 3% cash back on all spend with no spending limits or restrictions. Whether reinvesting back into your business or earning travel and gift cards for yourself, you get unlimited redemption options with your rewards. Ink Business Unlimited includes $95 annual fee that is waived the first year, and provides employee cards at no additional cost, online payroll capabilities, and fraud protection services.
Ink Business Unlimited provides 24/7 travel and emergency assistance including trip planning, flight cancellation coverage, and baggage delay insurance up to $500/day in purchases for 5 days. It also includes extended warranty coverage for eligible manufacturers’ warranties of up to double the term or 1 additional year. You get a complimentary one-year subscription to Intuit TurboTax Online and $0 liability subject to responsibility for losses, thefts, and fraud according to Chase Fraud Notification Service.
Business expenses become easier to monitor with Ink’s suite of tools. It offers online transaction logs, monthly combined statements, no pre-set spending limits, and charge notices alerting you to potential fraud. You get access to Chase’s network of 5,000+ branches and over 16,000 ATMs for Cash withdrawals, balance inquiries, and depositing checks with no fees.
For those wishing to build or improve business credit, Ink Business Unlimited includes optional credit limit increases for spending responsibly and consistently on-time payments. You can become eligible for credit line increases after earning double your original credit limit in rewards over six consecutive months. Higher credit limits mean more flexibility and lower average credit utilization ratios improving your score.
With compelling rewards, premium services, enhanced security, useful tools, credit opportunities and additional program partners, the Ink Business Unlimited offers a level of value and versatility unmatched by other business credit cards. When used responsibly, this card can help build business credit, maximize rewards, gain valuable business insights, simplify finances, manage costs and fuel growth. Overall, Ink Business Unlimited is an excellent all-around choice for businesses and growing companies.
The Chase Ink Business Cash Credit Card
The Chase Ink Business Cash Credit Card is a premium business credit card designed for companies and entrepreneurs focused on earning cash-back rewards. It offers 5% cash back in your first 3 months in rotating bonus categories (up to $25,000 spent), 5% cash back on travel booked through Chase, 3% at restaurants and gas stations, and 1.5% on other purchases with no spending limits or restrictions.
Ink Business Cash includes no fees including annual fees, international fees, penalty APRs, balance transfer fees, or cash advance fees. You have access to valuable redemption options like gift cards, travel, direct deposit, and personal spending in addition to your rewards.
This card provides premium protections and services including extended warranty coverage for eligible manufacturers’ warranties of up to double the term or 1 additional year, fraud alerts and zero fraud liability coverage. 24/7 emergency services include trip planning, flight cancellation coverage and baggage delay insurance up to $500 per incident for five days.
Ink Business Cash integrates powerful tools for managing expenses, sending business messages and streamlining accounting. It offers online statements, transaction alerts, no pre-set spending limits and charge notices for potential fraud. Businesses also have access to Chase’s network of 5,000+ branches and over 16,000 fee-free ATMs worldwide.
For those looking to build business credit, Ink Business Cash allows optional credit limit increases for spending responsibly over six consecutive months. Higher limits mean lower credit utilization ratios and improved scores as your spending grows. Eligibility for increased limits happens once earning double the original limit in rewards earned over six months.
With compelling cash-back rates, premium benefits, enhanced security features, and useful tools, Chase Ink Business Cash delivers a premium experience for businesses focused on earning and saving money. When used responsibly, this card can help maximize returns, build valuable business credit, cover essential expenses, and gain priceless insights. The Ink Business Cash: smart business spending rewarded.
For smart, impactful business spending at your own pace, Ink Business Cash provides flexible rewards and resources to fuel your business’s financial potential. Overall, it stands out as an excellent choice for cashback enthusiasts, business owners and growing companies aiming to earn unlimited rewards on all purchases. Ink Business Cash delivers.
What Did You Learn Today?
The credit card landscape continues to evolve for small businesses, with more options than ever. The best small business credit cards can help you maximize rewards, keep expenses organized, and gain access to valuable perks and benefits.
Whether you’re looking for cash back, travel rewards, or straightforward spending power, there is a card tailored to your business’s needs. Do your research to find the right mix of rewards rates, sign-up bonus, annual fee, and other features that will boost your business’s bottom line.
When used responsibly, a small business credit card can be a strategic financial tool. Look for cards with no foreign transaction fees if you conduct international business. Compare APRs and make sure any charges align with your cash flow. And never ignore your spending limits or payment due dates.
Choosing a business credit card is an important decision. Take your time evaluating the options to find the card that benefits your business the most while also maintaining your good standing. With planning and discipline, a small business credit card can work for you rather than against you. The possibilities for growth and success are within reach when you have the right financial partners on your side.
