Best business credit cards of October 2026
Earn cash back on ad spend, get 0% intro APR on new equipment, or build a credit file for your company. Compare our top picks side by side and apply on the issuer’s secure site.
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Showing 6 cards
Summit Business Cash Card
- Annual fee
- $0
- Rewards
- 2% cash backon every purchase
- Welcome bonus
- $750after $6K spend in 3 mo.
- Regular APR
- 18.49%–26.49%Variable
See details
Why we like it
- Flat 2% means no categories to track
- Free employee cards with spend limits
Watch out for
- No intro APR on purchases
- 3% foreign transaction fee
Good fit if
- You spend $5K+ a month across many categories
Atlas Business Travel Rewards
- Annual fee
- $95$0 first year
- Rewards
- 3x pointstravel, shipping, ads
- Welcome bonus
- 90,000 ptsafter $8K spend in 3 mo.
- Regular APR
- 20.24%–27.24%Variable
See details
Why we like it
- No foreign transaction fees
- Points transfer to airline partners
Watch out for
- Annual fee after year one
- Needs strong personal credit
Good fit if
- Your team travels to clients or trade shows
Keystone Business Advantage Card
- Annual fee
- $0
- Intro APR
- 0% for 15 mo.purchases & transfers
- Rewards
- 1.5% cash backon every purchase
- Regular APR
- 17.99%–25.99%Variable, after intro
See details
Why we like it
- 15 months to pay off a big purchase interest-free
- No annual fee
Watch out for
- 3% balance transfer fee
- Lower rewards rate than flat 2% cards
Good fit if
- You’re buying equipment or inventory up front
Foundry Secured Business Card
- Annual fee
- $39
- Security deposit
- $500 min.sets your limit
- Reports to
- 3 business bureausD&B, Experian, Equifax
- Regular APR
- 27.49%Variable
See details
Why we like it
- Builds a business credit file from scratch
- Review for unsecured upgrade after 9 months
Watch out for
- Deposit is tied up while the account is open
- High APR if you carry a balance
Good fit if
- Your business is new or your credit is rebuilding
Harbor Business Plus Card
- Annual fee
- $0
- Rewards
- 5% cash backoffice, internet, phone
- Welcome bonus
- $500after $3K spend in 3 mo.
- Regular APR
- 19.24%–25.24%Variable
See details
Why we like it
- High rate in categories most small businesses use
- No annual fee
Watch out for
- 5% capped at $25K spend per year
- 1% on everything else
Good fit if
- You run software, ads and phones on one card
Meridian Business Charge Card
- Annual fee
- $250
- Rewards
- 4x pointstop 2 spend categories
- Spending limit
- No preset limitpay in full monthly
- Regular APR
- N/Acharge card
See details
Why we like it
- Spending power grows with your revenue
- Airport lounge access
Watch out for
- Balance is due in full each month
- High annual fee
Good fit if
- You put $20K+ a month on cards and pay in full
Need more than a credit line? Get $20K to $5M in business funding.
One application, multiple funding partners. Compare term loans, lines of credit and equipment financing.
How do business credit cards work?
A business credit card is a revolving line of credit for company expenses. Each purchase borrows against your limit, and you repay it on a monthly statement. Pay the full balance by the due date and you won’t owe interest. Carry a balance and the card’s APR applies to what’s left.
Most issuers check your personal credit when you apply and ask you to sign a personal guarantee, even if your business is an LLC or corporation. Over time, cards that report to business bureaus help your company build its own credit file, which can make it easier to qualify for larger loans later.
Types of business credit cards
Cash back
Earn a percentage back on purchases, either a flat rate or bonus categories like ads, shipping or fuel.
Travel rewards
Points or miles for flights and hotels, often with no foreign transaction fees and travel protections.
0% intro APR
No interest on purchases or balance transfers for an intro period, useful for spreading out a large expense.
Secured & credit-building
Backed by a cash deposit. A practical first card for new businesses or owners rebuilding credit.
How to choose the right card for your business
Match rewards to where you spend
Pull last quarter’s statements. If most spend goes to ads and software, a category card will beat a flat-rate one.
Decide if you’ll carry a balance
If you will, the APR and intro period matter more than rewards. If you pay in full, focus on rewards and perks.
Do the math on the annual fee
A $95 fee pays off if the card earns you at least $95 more per year than a no-fee option.
Check employee card controls
Look for free employee cards, per-card limits and exports to your accounting software.
Know the credit you’ll need
Most rewards cards want good to excellent personal credit (670+). Secured cards are open to fair or limited credit.
Business credit card vs. business loan
Cards work well for day-to-day spending. For a large, one-time need like a second location or a big inventory order, a loan or line of credit usually costs less.
| Business credit card | Business loan | |
|---|---|---|
| Typical amount | $1,000 – $50,000 limit | $20,000 – $5,000,000 |
| Cost | 17% – 29% APR if you carry a balance | Fixed rate or factor, set by the funder |
| Repayment | Monthly minimum, revolving | Fixed daily, weekly or monthly payments |
| Best for | Recurring expenses, travel, rewards | Equipment, expansion, inventory, payroll |
Frequently asked questions
Can I get a business credit card as a sole proprietor?
Yes. Most issuers accept sole proprietors and freelancers. You can usually apply with your Social Security number instead of an EIN.
Does a business credit card affect my personal credit?
The application usually triggers a hard inquiry on your personal credit. Some issuers also report activity to personal bureaus, especially missed payments.
How many business credit cards should I have?
Many owners do well with two: one for everyday rewards and one with a 0% intro APR or travel perks. More cards add limit but also more statements to track.
What credit score do I need?
Rewards cards typically look for 670 or higher. Secured business cards are available with lower scores or no business credit history.
Can I use a business card for personal purchases?
You shouldn’t. Mixing expenses complicates bookkeeping and taxes, and many card agreements prohibit it.
Learn more
Business credit card guides
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