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Business Credit Cards

Compare annual fees, APR structure, rewards, and personal-guarantee requirements. A signup bonus isn't a strategy.

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Rewards are not the whole product.

FundingRank compares borrowing cost, guarantee structure, reporting, controls, and eligibility alongside rewards. A large welcome offer does not automatically make a card a better fit. What does a personal guarantee mean for you?

Compare up to three cards

Match payment structure, liability and real spending patterns. Unknown terms remain unknown; there is no overall winner. Your selections are saved in this page’s URL so you can bookmark or share the comparison.

47 Cards
Blue Business Cash Card card art
Cash Back · American Express

Blue Business Cash Card

American Express
ANNUAL FEE
$0
PURCHASE APR
16.99%–28.74% variable after introductory period; rates disclosed as of October 1, 2026.

2% cash back on the first $50,000 of eligible purchases each calendar year, then 1%; automatic statement credit.

Personal guarantee required
Blue Business Plus Credit Card card art
Other

Blue Business Plus Credit Card

American Express
ANNUAL FEE
$0
PURCHASE APR
16.99%–28.74% variable after the introductory period.

2 points/$ on the first $50,000 of eligible purchases per calendar year, then 1. Eligible AmexTravel.com purchases earn 2 and do not count against that cap.

Personal guarantee required
Business Gold Card card art
Travel

Business Gold Card

American Express
ANNUAL FEE
$375
PURCHASE APR
17.99%–28.74% variable on eligible Pay Over Time balances.

4 points/$ in your top two eligible categories each billing cycle, capped at $150,000 combined per calendar year, then 1; 3 on flights and prepaid hotels through AmexTravel.com; 1 otherwise. Select-merchant restrictions begin February 17, 2027 for advertising and wireless categories.

Personal guarantee required
Business Platinum Card card art
Travel

Business Platinum Card

American Express
ANNUAL FEE
$895
PURCHASE APR
Not verified in this review; confirm the exact offer.

5 points/$ on eligible flights and prepaid hotels through AmexTravel.com; 2 on eligible business categories or purchases of $5,000 or more, capped at $2 million per calendar year. Overlapping bonuses do not stack.

Reviewed Oct 1, 2026
Delta SkyMiles Gold Business Card card art
Travel

Delta SkyMiles Gold Business Card

American Express
ANNUAL FEE
$0 for the first year, then $150
PURCHASE APR
19.74%–28.74% variable.

2 miles/$ on eligible Delta and restaurant purchases, plus U.S. advertising and U.S. shipping (each category capped at $50,000 eligible purchases per year); 1 otherwise.

Personal guarantee required
Delta SkyMiles Platinum Business Card card art
Travel

Delta SkyMiles Platinum Business Card

American Express
ANNUAL FEE
$350
PURCHASE APR
19.74%–28.74% variable.

3 miles/$ on direct Delta and hotel purchases; 1.5 on eligible transit, U.S. shipping and purchases of $5,000 or more, up to $100,000 combined per year; 1 otherwise.

Personal guarantee required
Delta SkyMiles Reserve Business Card card art
Travel

Delta SkyMiles Reserve Business Card

American Express
ANNUAL FEE
$650
PURCHASE APR
19.74%–28.74% variable.

3 miles/$ on direct Delta purchases; 1.5 on eligible transit, U.S. shipping and office-supply purchases; 1 otherwise. After $150,000 annual purchases, other eligible purchases earn 1.5 for the rest of that year.

Personal guarantee required
Graphite Business Cash Unlimited Card card art
Cash Back

Graphite Business Cash Unlimited Card

American Express
ANNUAL FEE
$295
PURCHASE APR
17.99%–28.74% variable on eligible Pay Over Time balances.

2% cash back on eligible purchases; 5% on eligible flights and prepaid hotels through Amex Travel. Overlapping reward rates do not stack.

Personal guarantee required
Hilton Honors Business Card card art
Travel

Hilton Honors Business Card

American Express
ANNUAL FEE
$195
PURCHASE APR
19.74%–28.74% variable.

12 points/$ on eligible direct Hilton purchases; 5 on other eligible purchases up to $100,000 per calendar year, then 3.

Personal guarantee required
Marriott Bonvoy Business Credit Card card art
Travel

Marriott Bonvoy Business Credit Card

American Express
ANNUAL FEE
$125
PURCHASE APR
19.74%–28.74% variable.

6 points/$ at participating Marriott hotels; 4 at restaurants, U.S. gas stations, U.S. shipping and U.S. wireless providers; 2 on other eligible purchases.

Personal guarantee required
Atmos Rewards Visa Signature Business Card card art
Travel · Visa

Atmos Rewards Visa Signature Business Card

Bank of America
ANNUAL FEE
$70 company fee plus $25 per card; $95 with one card
PURCHASE APR
Not verified in this review; confirm the exact offer.

3 points per dollar on eligible Alaska/Hawaiian purchases; 2 on eligible gas, EV charging, shipping and local transit; 1 elsewhere. A 10% purchase-points bonus requires an eligible Bank of America small-business account.

Reviewed Oct 1, 2026
Business Advantage Customized Cash Rewards Mastercard card art
Cash Back · Mastercard

Business Advantage Customized Cash Rewards Mastercard

Bank of America
ANNUAL FEE
$0
PURCHASE APR
Not verified in this review; confirm the exact offer.

3% in the selected eligible category and 2% on dining, sharing a $50,000 calendar-year purchase cap; 1% thereafter and on other purchases. Relationship bonuses require separate qualification.

Reviewed Oct 1, 2026
Business Advantage Travel Rewards World Mastercard card art
Travel · Mastercard

Business Advantage Travel Rewards World Mastercard

Bank of America
ANNUAL FEE
$0
PURCHASE APR
Not verified in this review; confirm the exact offer.

3 points per dollar on eligible Bank of America Travel Center purchases; 1.5 points per dollar on other eligible purchases. Relationship bonuses require qualifying balances and enrollment.

Reviewed Oct 1, 2026
Business Advantage Unlimited Cash Rewards Mastercard card art
Cash Back · Mastercard

Business Advantage Unlimited Cash Rewards Mastercard

Bank of America
ANNUAL FEE
$0
PURCHASE APR
16.99%–26.99% variable after the introductory purchase period.

1.5% cash back on eligible purchases. The advertised 2.62% rate requires Preferred Rewards for Business Platinum Honors and an eligible business checking account.

Personal guarantee required
BILL
Corporate · Visa / Mastercard depending issuing partner

BILL Divvy Card

BILL
ANNUAL FEE
$0
PURCHASE APR
Not verified in this review; confirm the exact offer.

Multiple rewards programs; redemption and earning depend on the program. Do not assume one universal cash-back rate.

Reviewed Aug 29, 2026
Brex Corporate Card card art
Corporate · Mastercard

Brex Corporate Card

Brex
ANNUAL FEE
No annual card fee; software and service fees must be assessed separately.
PURCHASE APR
Charge card: the statement balance is due in full; this is not a revolving purchase-APR offer.

Not verified in this review; confirm the exact offer.

No personal guarantee
Spark 1.5% Cash Select card art
Cash Back

Spark 1.5% Cash Select

Capital One
ANNUAL FEE
$0
PURCHASE APR
16.74%–26.74% variable after the introductory period.

1.5% cash back on eligible purchases; 5% on hotels and rental cars booked through Capital One Business Travel.

Reviewed Oct 1, 2026
Spark 2% Cash card art
Cash Back

Spark 2% Cash

Capital One
ANNUAL FEE
$0 first year, then $95
PURCHASE APR
24.49% variable.

2% cash back on eligible purchases; 5% on hotels and rental cars through Capital One Business Travel.

Reviewed Oct 1, 2026
Spark Cash Plus card art
Charge Card

Spark Cash Plus

Capital One
ANNUAL FEE
$150; refunded each year you spend at least $150,000
PURCHASE APR
Not verified in this review; confirm the exact offer.

Unlimited 2% cash back on every purchase; 5% cash back on eligible hotels, vacation rentals, and rental cars booked through Capital One Business Travel

Reviewed Aug 29, 2026
Venture Business card art
Travel

Venture Business

Capital One
ANNUAL FEE
$95
PURCHASE APR
24.49% variable.

2 miles per dollar on eligible purchases; 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel.

Reviewed Oct 1, 2026
Venture X Business card art
Travel

Venture X Business

Capital One
ANNUAL FEE
$395
PURCHASE APR
Not verified in this review; confirm the exact offer.

2 miles per dollar on eligible purchases; through Capital One Business Travel, 10 miles per dollar on hotels/rental cars and 5 on flights/vacation rentals.

Reviewed Oct 1, 2026
VentureOne Business card art
Travel

VentureOne Business

Capital One
ANNUAL FEE
$0
PURCHASE APR
16.74%–22.74% variable, based on creditworthiness.

1.5 miles per dollar on eligible purchases; 5 miles per dollar on hotels, vacation rentals and rental cars through Capital One Business Travel.

Reviewed Oct 1, 2026
IHG One Rewards Business Credit Card card art
Travel

IHG One Rewards Business Credit Card

Chase
ANNUAL FEE
$200 for the currently advertised IHG One Rewards Business card
PURCHASE APR
19.49%–27.99% variable on the product page; confirm the exact application disclosure.

10 card points/$ at participating IHG hotels; 5 on eligible gas, dining and social/search advertising; 3 otherwise. Broad travel and office-supply 5X ends December 31, 2026; direct flights and car rentals retain 5X afterward. Hotel-program points are separate.

Personal guarantee required
Ink Business Cash card art
Cash Back

Ink Business Cash

Chase
ANNUAL FEE
$0
PURCHASE APR
Product page 16.99%–24.99% variable; retrieved older pricing document 16.74%–24.74%. Confirm the application disclosure.

5% at office-supply stores and on internet, cable and phone services, on a combined $25,000 per account-anniversary year; 2% at gas stations and restaurants on a separate combined $25,000 cap; 1% afterward and on other eligible purchases.

Personal guarantee required
Ink Business Preferred card art
Travel

Ink Business Preferred

Chase
ANNUAL FEE
$95
PURCHASE APR
Product page 17.99%–26.99% variable; retrieved older pricing document 17.74%–26.74%. Confirm the application disclosure.

3 points per dollar on combined travel, shipping, eligible social-media/search-engine advertising, internet, cable and phone purchases up to $150,000 per account-anniversary year; 1 point afterward and on other eligible purchases. Points are not a fixed cash-back percentage.

Personal guarantee required
Ink Business Premier card art
Cash Back

Ink Business Premier

Chase
ANNUAL FEE
$195
PURCHASE APR
Flex for Business: Product page 17.99%–28.74% variable; retrieved older pricing document 17.74%–28.49%. Confirm the application disclosure.

2% base cash back; 2.5% on a qualifying purchase that bills and posts at $5,000 or more; 5% total on Chase Travel purchases. Split billing can prevent a purchase from meeting the $5,000 threshold.

Personal guarantee required
Ink Business Unlimited card art
Cash Back · Visa

Ink Business Unlimited

Chase
ANNUAL FEE
$0
PURCHASE APR
Product page 16.99%–24.99% variable; retrieved older pricing document 16.74%–24.74%. Confirm the application disclosure.

1.5% base cash back on eligible purchases, uncapped. Temporary merchant promotions have separate conditions.

Personal guarantee required
Sapphire Reserve for Business card art
Travel

Sapphire Reserve for Business

Chase
ANNUAL FEE
$795
PURCHASE APR
Not verified in this review; confirm the exact offer.

8 points/$ through Chase Travel; 4 on direct flights and hotels; 3 on social/search advertising; 1 otherwise. Starting November 15, 2026, the 3X advertising rate is capped at $1 million per anniversary year.

Personal guarantee required
Southwest Rapid Rewards Performance Business Credit Card card art
Travel

Southwest Rapid Rewards Performance Business Credit Card

Chase
ANNUAL FEE
$299
PURCHASE APR
Retrieved sources differ: product page 19.49%–27.99%; linked pricing table 19.24%–27.74%, both variable. Confirm the live application rate.

4 points/$ on eligible Southwest purchases; 2 on direct hotel bookings, gas, restaurants and local transit; 1 otherwise. Old advertising, phone and partner-travel bonuses expired in 2025.

Personal guarantee required
United Business Card card art
Travel

United Business Card

Chase
ANNUAL FEE
$150
PURCHASE APR
19.99%–28.49% variable on the product page; confirm the exact application disclosure.

2 card miles/$ on eligible United, gas, dining, office-supply and local-transit purchases; 1 otherwise. United flight-membership miles are additional and are not the card's earning rate.

Personal guarantee required
United Club Business Card card art
Travel

United Club Business Card

Chase
ANNUAL FEE
$695
PURCHASE APR
19.99%–28.49% variable on the product page; confirm the exact application disclosure.

2 card miles/$ on eligible United purchases; 5 on prepaid Renowned Hotels and Resorts bookings; 1.5 otherwise. Airline loyalty miles are separate.

Personal guarantee required
World of Hyatt Business Credit Card card art
Travel

World of Hyatt Business Credit Card

Chase
ANNUAL FEE
$199
PURCHASE APR
19.49%–27.99% variable on the product page; confirm the exact application disclosure.

4 card points/$ on qualifying Hyatt purchases; 2 in the top three eligible categories each quarter and on fitness/gym memberships; 1 otherwise. Hyatt membership points are separate.

Reviewed Oct 1, 2026
Costco Anywhere Visa Business Card by Citi card art
Cash Back · Visa

Costco Anywhere Visa Business Card by Citi

Citi
ANNUAL FEE
$0 card fee with a paid Costco membership
PURCHASE APR
Not verified in this review; confirm the exact offer.

5% on Costco gas and 4% on other eligible gas/EV charging share a $7,000 annual cap, then 1%; 3% on eligible dining/travel; 2% on other Costco purchases; 1% otherwise. Rewards are issued in an annual certificate after the February statement.

Reviewed Oct 1, 2026
Navan
Corporate

Navan Corporate Card

Navan
ANNUAL FEE
No annual card fee; confirm software and service charges separately.
PURCHASE APR
Not verified in this review; confirm the exact offer.

Up to 1.5% back on Navan corporate-card transactions; exact eligibility and rate require your program terms.

Reviewed Oct 1, 2026
Amazon Business Card card art
Cash Back · Mastercard

Amazon Business Card

U.S. Bank
ANNUAL FEE
$0
PURCHASE APR
17.99%–29.99% variable, based on creditworthiness; October 2026 issuer disclosure.

3% at eligible Amazon sites on the first $150,000 per calendar year, then 1%; 3% on qualifying prepaid Travel Center bookings; 2% in the top three eligible non-Amazon categories within a separate $150,000 annual cap, then 1%; 1% otherwise.

Personal guarantee required
Business Altitude Connect Card card art
Travel

Business Altitude Connect Card

U.S. Bank
ANNUAL FEE
Not verified in this review; confirm the exact offer.
PURCHASE APR
Not verified in this review; confirm the exact offer.

5 points per dollar on prepaid Travel Center hotels/car rentals; 4 on eligible travel, gas and EV charging within a $150,000 combined annual cap; 2 on dining and cell-phone services; 1 otherwise.

Reviewed Oct 1, 2026
U.S. Bank
Cash Back · Visa

Business Essentials Plus Visa Signature Card

U.S. Bank
ANNUAL FEE
$295 annual fee
PURCHASE APR
17.99%–27.99% variable purchase APR.

2% base cash back; 5% in the top eligible monthly spending category up to $200,000 per account-anniversary year, then base rewards; 10% on prepaid hotels and car rentals booked in the Travel Center. Separate checking-relationship bonuses have balance tiers, spending caps and exclusions; do not add headline percentages together.

Personal guarantee required
U.S. Bank
Cash Back · Visa

Business Essentials Visa Card

U.S. Bank
ANNUAL FEE
$0 annual fee
PURCHASE APR
16.99%–27.99% variable after the introductory purchase period.

2% base cash back; 6% on prepaid hotels and car rentals in the issuer Travel Center. A qualifying checking relationship with $10,000 in qualifying balances adds 0.5% on the first $10,000 of eligible purchases per billing cycle. The balance uses a 30-day average; exclusions and redemption rules apply.

Personal guarantee required
Business Shield Visa Card card art
Other · Visa

Business Shield Visa Card

U.S. Bank
ANNUAL FEE
$0
PURCHASE APR
Not verified in this review; confirm the exact offer.

5% cash back on prepaid air, hotel and car bookings through the Travel Center; a broad base rewards rate was not verified.

Reviewed Oct 1, 2026
Prime Business Card card art
Cash Back · Mastercard

Prime Business Card

U.S. Bank
ANNUAL FEE
$0 card fee; eligible Prime membership required for Prime rewards
PURCHASE APR
17.99%–29.99% variable, based on creditworthiness; October 2026 issuer disclosure.

5% at eligible Amazon sites on the first $150,000 per calendar year, then 1%; 5% on qualifying prepaid Travel Center bookings; 2% in the top three eligible non-Amazon categories within a separate $150,000 annual cap, then 1%; 1% otherwise.

Personal guarantee required
Triple Cash Rewards Visa Business Card card art
Cash Back · Visa

Triple Cash Rewards Visa Business Card

U.S. Bank
ANNUAL FEE
$0
PURCHASE APR
Not verified in this review; confirm the exact offer.

3% on eligible gas/EV transactions of $200 or less, office supplies, cell-phone service and restaurants; exclusions apply. 5% on prepaid hotels/rental cars through the Travel Center; 1% otherwise.

Reviewed Oct 1, 2026

Card rewards after costs

Compare two cash-back scenarios using your planned annual eligible purchases. These sample rates are editable illustrations, not offers or recommendations. Use the issuer’s reward rules; points and miles need a defensible cash value before comparison.

Scenario A
Scenario B

Annual value after entered costs: A $900 · B $1,050.

B has $150 more modeled annual value.

Net value = eligible rewards − annual fee − entered borrowing and transaction costs. No welcome bonus, portal multiplier or statement credit is assumed. A $150 fee with an extra 0.5 percentage point of uncapped rewards breaks even at $30,000 of eligible annual spend, before other differences. If you carry a balance, compare financing costs before rewards. A fee refund may arrive later and require a separate spending threshold.