# Best Business Credit Cards _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › credit cards › business credit cards **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 ## 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 | 2 | 1.5 | 1.5 | 1 | - | | Sign-up Bonus Value (USD) | 1000 | - | 750 | - | 750 | - | | 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 | | Intro APR (Purchases) (%) | - | - | 0 | - | 0 | - | | Foreign Transaction Fee (%) | 0 | 0 | 3 | 0 | 3 | 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 | ## 1. Capital One Spark Cash Plus for Business Earn unlimited 2% cash back on every purchase, plus a $1,000 cash back bonus after spending $10,000 in the first 3 months. _Source (estimate): [https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/](https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/)_ ## 2. The Blue Business® Plus Credit Card from American Express Earn 2X Membership Rewards® points on the first $50,000 in purchases each calendar year, then 1X. _Source (estimate): [https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/blue-business-plus-card/](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/blue-business-plus-card/)_ ## 3. Chase Ink Business Unlimited® Credit Card Earn unlimited 1.5% cash back on every dollar spent on all purchases. _Source (estimate): [https://creditcards.chase.com/business-credit-cards/ink/unlimited](https://creditcards.chase.com/business-credit-cards/ink/unlimited)_ ## 4. Capital One Spark Miles Select for Business Earn 1.5 miles per dollar on every purchase, with no limit to the amount you can earn. _Source (estimate): [https://www.capitalone.com/small-business/credit-cards/spark-miles-select/](https://www.capitalone.com/small-business/credit-cards/spark-miles-select/)_ ## 5. Chase Ink Business Cash® Credit Card Earn 5% cash back on the first $25,000 spent in combined purchases each account anniversary year on office supply stores and on internet, cable and phone services. _Source (estimate): [https://creditcards.chase.com/business-credit-cards/ink/cash](https://creditcards.chase.com/business-credit-cards/ink/cash)_ ## 6. Brex Card A fintech company offering corporate credit cards with no personal guarantee and tailored rewards for startups. _Source (estimate): [https://www.brex.com/card](https://www.brex.com/card)_ ## 7. US Bank Business Triple Cash Rewards Visa® Card Earn $500 cash back after spending $4,500 in eligible purchases within the first 90 days of account opening. _Source (estimate): [https://www.usbank.com/business/credit-cards/triple-cash-rewards-visa.html](https://www.usbank.com/business/credit-cards/triple-cash-rewards-visa.html)_ ## 8. American Express® Business Gold Card Earn 4X Membership Rewards® points on the 2 select categories where your business spent the most on purchases each billing cycle (on up to $150,000 in combined purchases per calendar year). _Source (estimate): [https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/gold-card/](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/gold-card/)_ ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-business-credit-cards — citation with a link is allowed; bulk extraction/redistribution is prohibited._