The 7 Best Business Credit Cards For Savvy Entrepreneurs

Smiling businesswoman with ribbon that says "Top 7 Business Credit Cards."

Do you need a business credit card to enhance your company’s financial flexibility? There are so many credit cards for entrepreneurs on the market that it can be difficult to figure out which one is the best fit for your business' needs.

In this business credit card guide, we'll give you an overview of our 7 favorite cards for entrepreneurs. Let’s take a look at the most important features of each card to find out which is the best choice for you!

If you want to learn more about any of these cards, simply use the links provided in each section.

Recommended: Find the best bank for your startup's needs by reading our guide to the best banks for startups and entrepreneurs

1. Best for Expense Management: BILL Divvy Corporate Card - 4.9/5 Stars

BILL (previously Divvy) is a relatively new business card that rewards owners for paying their balance more frequently. Travel perks are exceptionally high for this class of card, and the intro offers help make this more attractive for entrepreneurs. 

  • 2x–7x reward points for purchases on restaurants, 2x–4x for hotels, 1.5x–2x on software subscriptions, and 1x–1.5x on all other purchases
  • No annual fee
  • 0% intro APR offer

Despite the high reward system and great intro offers, you're still getting a charge card by using BILL. You won't be able to carry a balance for large purchases, but smaller budget businesses that pay their bills frequently will still gain lots of value.

2. Best for Venture-Backed Startups: Brex Corporate Card - 4.8/5 Stars

The Brex Corporate Card is ideal for venture-backed startups due to its high approval rate, few fees. Additionally, startups looking to build business credit can do so with this card.

  • High reward point earning potential 
  • No annual fee
  • Free employee credit cards

With the Brex Corporate card, you can choose to pay daily or monthly with those opting to pay daily receiving more reward opportunities. You can also anticipate a higher-than-average credit limit with the Brex Corporate card, according to their website.

3. Good for Credit Building: Tillful Card - 4.5/5 Stars

Companies building their credit are a perfect fit for the Tillful card since it has several features that should help your score increase, and you don't need a good credit history to apply.

  • Provides two separate credit scores, including a proprietary health score for your credit and the Intelliscore Plus Score, which is based on Experian data
  • Up to 1.5% cash back rewards on all purchases
  • Reports to all three major credit bureaus

The only downside to the Tillful card is it is considered a secured card, so your company will need to pay a down deposit that will be equal to your credit limit. Otherwise, the company will report your good financial behavior to major credit bureaus, and the barrier to entry is incredibly low.

4. Great for Travel Rewards: Delta SkyMiles Gold Business American Express Card - 4.5/5 Stars

The extra rewards and features of the Delta SkyMiles Gold Business American Express card outweigh the annual fees and make it a must-have for Delta flyers.

  • 70,000 intro bonus miles after spending $3,000 in purchases in the first three months
  • One free checked bag on Delta flights and priority boarding
  • Two miles earned for every dollar spent on eligible purchases made with delta, select media, shipping purchases, and restaurants, one mile per dollar on all other purchases
  • $100 Delta flight credit after spending $10,000 in purchases in a calendar year

The financial rewards based on spending you'll receive from the Delta Skymiles Gold card more than make up for the annual fee. Even then, the card’s intro offers include a $0 annual fee for the first year, but you'll need good to excellent credit to be approved.

5. Good for Brick and Mortar Businesses: Amazon Business Prime American Express Card - 4.3/5 Stars

Amazon Prime members need to consider the Business Prime American Express Card to gain value on purchases they're already making and offset the annual membership cost.

  • No annual or foreign transaction fee
  • Up to 5% cash back on purchases through Amazon Business, Amazon Web Services,, and Whole Foods Market, 2% cash back at restaurants, gas stations, and wireless telephone services, 1% cash back on all other purchases
  • Choice of cashback rewards above or a 90-day interest-free period

The most unique aspect of the Amazon Business Prime AmEx card is the choice between a cash-back reward system and a 90-day interest-free window. Having the flexibility for a company to choose makes the Amazon card even more attractive for existing Prime members.

6. Best Finance Management Tools: Ramp Corporate Card - 4/5 Stars

Ramp strikes the perfect balance for companies who are looking to have built-in budget management tools while also providing rewards for all purchases. 

  • Budget management tools for all card members
  • Up to 1.5% cash back on all purchases with no limits or restrictions
  • No annual fees, no interest rates, and no foreign transaction fees

Although there aren't any perks for travel expenses, the Ramp card has the financial tools your team needs to stay within budget while keeping fees low. You'll get the power of a financial team without having to hire any extra staff in the Ramp Corporate Card.

7. Great for Small Businesses: Capital One Spark Cash - 4.8/5 Stars

Businesses with a fair or average credit rating have few options for credit cards, but the Capital One Spark Cash proves to be a diamond in the rough.

  • No annual or foreign transaction fees
  • 2% unlimited cash back
  • $500 introductory cash bonus

Companies who are looking to rebuild their credit should choose the Capital One Spark Cash as their first choice since they only require a fair to average credit rating. You'll still get cash back rewards, but you don't want to carry a balance because the APR interest is high at 26.99%.

Great for Small Businesses: Capital One Spark Cash logo

Pros & Cons of Business Credit Cards


  • A business credit card can give you the financial flexibility you need to run your company at its greatest potential. The purchasing power of these cards can allow your business to operate at a higher level.
  • Whether you prefer cash-back or points-based rewards systems, you'll get more for your money by using one of these cards than you would using your business checking account.
  • Using a business credit card responsibly can help you build solid credit for your business.


  • If you don’t pay off your entire balance regularly, the APRs of business credit cards can take a serious chunk out of your budget.

Which Business Credit Card Should You Use?

No other card on this list has a reward structure as high as what BILL offers. Client dinners, hotels, and software subscriptions all earn you rewards for every dollar spent, and the intro offers keep fees and interest low for the first year. You won't be able to carry a balance, but companies that are looking to optimize their business credit should start with BILL.