CompareFairlyBest Business Credit Cards 2026
Our pick : Capital One Spark Cash Plus for Business (85/100) · Cheapest : The Blue Business® Plus Credit Card from American Express · Best value : Capital One Spark Cash Plus for Business
In short
This comparison of eight business credit cards evaluates twelve criteria, including rewards rate, sign-up bonus value, business category rewards, statement credit value, annual fee, and intro APR for purchases. The Capital One Spark Cash Plus for Business ranks highest with a score of 85 out of 100, largely due to its perfect scores in foreign transaction fees and rewards rate for purchases. The Blue Business® Plus Credit Card from American Express is the next best at 79 out of 100, excelling in its annual fee, and is also the most affordable option. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Capital One Spark Cash Plus for Business | The Blue Business® Plus Credit Card from American Express | Chase Ink Business Unlimited® Credit Card | Capital One Spark Miles Select for Business | Chase Ink Business Cash® Credit Card | Brex Card |
|---|---|---|---|---|---|---|
| Rewards Rate (Purchases) (%) | 2.0 | 2.0 | 1.5 | 1.5 | 1.0 | — |
| Sign-up Bonus Value (USD) | 1000.0 | — | 750.0 | — | 750.0 | — |
| Business Category Rewards | Unlimited 2% cash back on every purchase. | 2X points on all eligible purchases on the first $50,000 per calendar year, then 1X. | Unlimited 1.5% cash back on all purchases. | 1.5 miles per dollar on every purchase. | 5% cash back on first $25,000 in combined purchases annually at office supply stores and on internet, cable and phone services. 2% cash back on the first $25,000 in combined purchases annually at restaurants and gas stations. 1% cash back on all other purchases. | Customizable rewards based on spending categories. |
| Annual Fee (USD) | 150.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intro APR (Purchases) (%) | — | — | 0.0 | — | 0.0 | — |
| Foreign Transaction Fee (%) | 0.0 | 0.0 | 3.0 | 0.0 | 3.0 | 0.0 |
| Travel Perks | No specific travel perks listed. | No specific travel perks listed. | No specific travel perks listed. | No specific travel perks listed. | No specific travel perks listed. | No specific travel perks listed. |
| Purchase Protection | Yes | Yes | Yes | Yes | Yes | Yes |
| Card Network | Visa | American Express | Visa | Visa | Visa | Visa |
| Issuer | Capital One | American Express | Chase | Capital One | Chase | Brex |
Frequently asked questions
What are the best business credit cards to get in 2026?
The top business credit cards in 2026 include the Capital One Spark Cash Plus for Business and The Blue Business® Plus Credit Card from American Express, based on our comprehensive comparison of rewards, bonuses, fees, and APRs.
How do business credit cards compare for rewards rates?
Our comparison analyzes the rewards rate on purchases and specific business category rewards to help you find the card that maximizes your spending benefits.
Is the Capital One Spark Cash Plus for Business a good choice?
Yes, the Capital One Spark Cash Plus for Business ranks highly with a score of 85/100, excelling in areas like rewards rate and statement credit value.
How is your business credit card ranking determined?
Our ranking is neutral and not influenced by payments from card issuers; each data point is sourced and objectively evaluated against key criteria like rewards, bonuses, fees, and introductory APRs.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.