By need · 6 cards ranked

Best Business Credit Cards in the United States 2026

Cards for owners, freelancers and new LLCs, ranked on bonus, categories and fees.

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Ranked 1–6 at a glance

RankCardAnnual feeRewardsWelcome offerForeign feeWho qualifiesScore
1
Ink Business Preferred Credit CardSmall businesses with travel and advertising spend
 $95/yr 3x on travel, shipping, internet/cable/phone and advertising on social media & s… Large Ultimate Rewards points bonus after the minimum spend None Good to Excellent (700+) 4.6
2
Ink Business Unlimited Credit CardBusinesses wanting simple flat-rate cash back
 None Unlimited 1.5% cash back on all business purchases Cash back bonus after meeting the minimum spend 3% Good to Excellent (700+) 4.6
3
Ink Business Cash Credit CardBusinesses with office supply and telecom spending
 None 5% at office supply stores and on internet/cable/phone (first $25,000/yr combine… Cash back bonus after meeting the minimum spend 3% Good to Excellent (700+) 4.5
4
The Business Platinum Card from American ExpressBusiness owners who travel frequently and value lounge access
 $695/yr 5x on flights and prepaid hotels via Amex Travel, 1.5x on eligible purchases of… Large Membership Rewards welcome offer after the minimum spe… None Good to Excellent (700+) 4.5
5
American Express Business Gold CardBusinesses with concentrated, variable spending
 $375/yr 4x Membership Rewards on the 2 categories where you spend the most each billing… Large Membership Rewards welcome offer after the minimum spe… None Good to Excellent (700+) 4.4
6
American Express Business Gold (2026 Refresh)Businesses watching for an updated Amex Gold for Business
 None Expected to keep adaptive bonus categories for businesses; exact rates not yet a… To be announced None Good to Excellent (700+) —