Small business

Best business credit cards

Compare no-annual-fee business cards for owners who want cleaner expense tracking and straightforward rewards.

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Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Read how BillSaver evaluates cards and handles advertising disclosures.

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Simple business cash back

Ink Business Unlimited® Credit Card

Annual fee: $0
Rewards: Unlimited 1.5% cash back on business purchases.
Intro APR: 0% intro APR on purchases for 12 months.

A straightforward expense-tracking card for small businesses that want one flat rewards rate.

Source checked from issuer terms on May 18, 2026. Verify current offer language before applying.

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Small business 2% cash back

The American Express Blue Business Cash™ Card

Annual fee: $0
Rewards: 2% cash back on eligible purchases up to $50,000 per calendar year, then 1%.
Intro APR: Intro APR offer may be available.

A clean cash-back option for small businesses that spend within the 2% cap.

Source checked from issuer terms on May 18, 2026. Verify current offer language before applying.

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Shortlist up to 3 cards before leaving BillSaver. No cards selected. Use this as a fit check. Exact APRs, welcome offers, fees, credits, and eligibility rules still need issuer verification.

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Watch out for	Next steps
Shortlist Ink Business Unlimited® Credit Card Chase · Good to excellent	Simple business cash backA straightforward expense-tracking card for small businesses that want one flat rewards rate.	Unlimited 1.5% cash back on business purchases.	$750 cash back after qualifying business spend.	$0	0% intro APR on purchases for 12 months.	16.74% to 24.74% variable APR.	Businesses with heavy office supply, internet, cable, or phone spending may prefer category bonuses.	Review Issuer termsLast checked May 18, 2026
Shortlist The American Express Blue Business Cash™ Card American Express · Good to excellent	Small business 2% cash backA clean cash-back option for small businesses that spend within the 2% cap.	2% cash back on eligible purchases up to $50,000 per calendar year, then 1%.	Offer varies by applicant.	$0	Intro APR offer may be available.	Variable APR; see issuer terms.	The cap and foreign transaction fee matter for growing or international businesses.	Review Issuer termsLast checked May 18, 2026

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Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Small business Business 2 cards Lower cost No annual fee 15 cards

Individual card reviews

Review the card details before you compare offers

Ink Business Unlimited® Credit CardSimple business cash back · Good to excellent The American Express Blue Business Cash™ CardSmall business 2% cash back · Good to excellent

How to use the table

Start with the reason you want the card. If the goal is rewards, focus on spending categories you already use, annual fee math, redemption rules, and foreign transaction fees. If the goal is debt relief, focus first on the 0% window, transfer fee, issuer restrictions, and a payoff date you can actually hit.

Use the decision chips and search box to narrow the list, then compare no more than three cards at a time. The right shortlist should have a clear "best for" reason, one trade-off you can live with, and an issuer terms page you are willing to read before applying.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.