Best Business Credit Card 2026
Business credit cards separate personal and business expenses while earning rewards on every company purchase. Here are the top picks for 2026.
Chase Ink Business Unlimited
Best simple business card — 1.5% on everything with no annual fee and strong welcome bonus.
- Rewards: 1.5% on all business purchases
- Annual Fee: $0
- Welcome Bonus: $750 after $6,000 spend in 3 months
American Express Blue Business Plus
2x Membership Rewards points on all purchases (up to $50,000/year) — unmatched for flat-rate business earning.
- Rewards: 2x points on all purchases (up to $50K/year)
- Annual Fee: $0
- Welcome Bonus: 15,000 points after $3,000 spend in 3 months
Chase Ink Business Preferred
Premium business card with 3x on travel, shipping, internet, and ads — excellent for digital businesses.
- Rewards: 3x travel, shipping, internet, ads (up to $150K/year)
- Annual Fee: $95
- Welcome Bonus: 90,000 points after $8,000 spend in 3 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Ink Business Unlimited | 1.5% everything | $0 | Simple spenders |
| Amex Blue Business Plus | 2x everything | $0 | Flat-rate maximizers |
| Ink Business Preferred | 3x key categories | $95 | High spenders |
How to Choose
Small businesses spending less than $50K annually should prioritize the Amex Blue Business Plus for 2x on everything. Higher spenders benefit from Chase Ink Preferred’s 3x categories.
Frequently Asked Questions
Can I use a business credit card for personal expenses?
Technically yes, but it’s bad practice. Mixing expenses creates accounting headaches and may violate card terms.
Do business credit cards affect personal credit?
Applications create a hard inquiry on your personal credit. Some issuers also report business card activity to personal bureaus.
What do I need to apply for a business card?
Your SSN, business name (even sole proprietor works), estimated annual revenue, and industry type.