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7 Best Business Credit Cards for Startups of June 2022

Written by Ryan Lane
Edited by Mary M. Flory
Last updated on May 20, 2022

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Business credit cards can help startups access financing. But the right card for you will offer more than just spending power. It can support your new business with benefits that create financial flexibility or boost your bottom line, like a long 0% APR introductory period or cash back tied to travel or certain purchases.
Being a startup shouldn’t affect your business credit card options. Business credit card issuers typically don’t mind if you have no business history; they prioritize your personal credit history instead when you apply. If you have good credit, you should be able to choose from the best small-business credit cards even as a new business. But there are options for startups with no credit, as well, including secured business credit cards.
Some of our selections for the best business credit cards for startups can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Here are 7 options for you from our partners

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Credit card
NerdWallet rating
Annual fee
Rewards rate
Intro offer
Learn more

American Express Blue Business Cash™ Card

Apply now

on American Express's website

5.0/5

Best for Intro APR offer

$0

1%-2%

Cashback

$250

Apply now

on American Express's website

Rates & Fees

Capital One Spark Cash Plus

Apply now

on Capital One's website

4.4/5

Best for Flat-rate cash-back rewards

$150

2%-5%

Cashback

$1,000

Apply now

on Capital One's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Bonus cash-back categories

$0

1%-5%

Cashback

$750

Apply now

on Chase's website

Ink Business Preferred® Credit Card

Apply now

on Chase's website

5.0/5

Best for Travel rewards + big sign-up offer

$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Brex Card

Apply now

on Brex's website

3.3/5

Best for Corporate card for startups

$0

1x-7x

Points

40,000

Points

Apply now

on Brex's website

Marriott Bonvoy Business™ American Express® Card

Apply now

on American Express's website

4.1/5

Best for Hotel credit card

$125

2x-6x

Points

75,000

Points

Apply now

on American Express's website

Rates & Fees

The Plum Card® from American Express

Apply now

on American Express's website

2.1/5

Best for Flexible financing

$250

1.5%

Cashback

$0

Apply now

on American Express's website

Rates & Fees

Our pick for

Intro APR offer

Read Review
Apply now

on American Express's website

American Express Blue Business Cash™ Card

5.0
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$0

Rewards rate

1%-2%

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. Terms Apply.

Cashback

Intro offer

$250

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

Our pick for

Flat-rate cash-back rewards

Read Review
Apply now

on Capital One's website

Capital One Spark Cash Plus

4.4
NerdWallet rating 
Read Review
Apply now

on Capital One's website

Annual fee

$150

Rewards rate

2%-5%

Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Cashback

Intro offer

$1,000

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • Earns cash back on primary and employee cards
  • Rewards don’t expire
  • No foreign transaction fees

Cons

  • Balance must be paid in full every month
  • Has annual fee

Our pick for

Bonus cash-back categories

Read Review
Apply now

on Chase's website

Ink Business Cash® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn

Cashback

Intro offer

$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

Recommended Credit Score
690-850good - excellent

Pros

  • No annual fee
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Requires good/excellent credit
  • Low rate outside bonus categories
  • Spending caps on bonus rewards

Our pick for

Travel rewards + big sign-up offer

Read Review
Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn

Points

Intro offer

100,000

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®

Points

Recommended Credit Score
690-850good - excellent

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Our pick for

Corporate card for startups

Read Review
Apply now

on Brex's website

Brex Card

3.3
NerdWallet rating 
Read Review
Apply now

on Brex's website

Annual fee

$0

Rewards rate

1x-7x

Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.

Points

Intro offer

40,000

Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

Points

Recommended Credit Score
300850poor - excellent

Pros

  • No annual fee
  • New cardholder bonus offer
  • Qualify with limited/bad credit
  • Bonus categories
  • No foreign transaction fees
  • No personal guarantee

Cons

  • Complicated rewards
  • No Intro APR
  • No revolving balances

Our pick for

Hotel credit card

Read Review
Apply now

on American Express's website

Marriott Bonvoy Business™ American Express® Card

4.1
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$125

Rewards rate

2x-6x

6x points at hotels participating in the Marriott Bonvoy™ program. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. Terms Apply.

Points

Intro offer

75,000

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply.

Points

Recommended Credit Score
690-850good - excellent

Pros

  • Anniversary perk
  • High rewards rate
  • Automatic elite status

Cons

  • Has annual fee
  • Rewards have limited flexibility
  • Lower acceptance abroad

Our pick for

Flexible financing

Read Review
Apply now

on American Express's website

The Plum Card® from American Express

2.1
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$250

Rewards rate

1.5%

Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back. Terms Apply.

Cashback

Intro offer

$0

Recommended Credit Score
690-850good - excellent

Pros

  • No foreign transaction fees
  • No reward caps

Cons

  • Has annual fee
  • No bonus offer
  • Complicated rewards

FULL LIST OF EDITORIAL PICKS: BEST SMALL-BUSINESS CREDIT CARDS FOR STARTUPS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Intro APR offer 
The
American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also no annual fee. Read our review.
Our pick for: Flat-rate cash-back rewards
The
Capital One Spark Cash Plus
is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. Read our review.
Our pick for: Bonus cash-back categories
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Read our review. 
Our pick for: Corporate card for startups
Unlike most cards designed for entrepreneurs, the
Brex Card
doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well capitalized. The card earns rewards, too. Read our review.
Our pick for: Hotel credit card for business 
The
Marriott Bonvoy Business™ American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in automatic elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Read our review.
Our pick for: Flexible financing
Businesses with high working capital needs but sometimes inconsistent cash flow might find
The Plum Card® from American Express
 a perfect fit. Pay early and get a discount, or enjoy up to 60 days without interest. Terms apply. There's a substantial annual fee, but if you're using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.
Our pick for: Fair credit
The rewards rate on the
Capital One® Spark® Classic for Business
isn't going to wow anyone; there's no sign-up bonus and the APR is high. What makes this card valuable is that it's available to business operators with fair credit (a FICO score between 630-689), who don't have a lot of options in business credit cards — and it has no annual fee. Read our review.
Our pick for: Startups with no credit, bad credit
The
First National Bank Business Edition® Secured® Visa Card
is a good option for startups with no credit history. The secured card requires a security deposit (between $2,000 and $100,000 in multiples of $50) which dictates your credit limit. Your deposit earns interest at the rate of 0.05% APY, which is just below the national average for a savings account. Read our review.

Can startups get business credit cards?

Startups with no established credit history can still get a business credit card because most issuers require a personal guarantee, which says if your business can’t repay the debt, you will. If you have good personal credit, you should have no issue opening a business credit card for your new business.
If you have no personal credit history or bad credit, you can still get a business credit card, though you will have fewer options and may need to start with a secured card.

Can you get a business credit card with an LLC?

Your new business’s structure won’t stop you from getting most small-business credit cards. Many cards are available to sole proprietors, LLCs and corporations alike, though incorporated businesses with several million in revenue should weigh the differences between corporate credit cards and small-business credit cards to find the best fit.

How do small businesses establish credit?

Most new businesses can benefit from a business credit card. A card used wisely can help your business establish good credit — a necessity for future small-business financing — and offer working capital for a startup. Even if your new business is just a side gig, a business credit card can keep your personal and business spending separate, which you’ll appreciate at tax time.

How to get a business credit card for a new business

  • Know your credit score. To qualify for most business credit cards, you’ll need to have good to excellent personal credit (typically a FICO score of 690 or above). If your personal credit is thin or poor, business credit cards for bad credit are available. You can get a free credit score from many sources, including NerdWallet.
  • Look at your spending to find the best card. For example, if you or your employees travel often, consider a card with hotel or flight rewards. New businesses without months of receipts can look at future costs, such as opening an office. A card with bonus cash back on office supplies could make sense in that case. If you’ll use your card like a startup business loan, a long 0% APR introductory offer may be the right choice.
  • Check for fees. Every dollar counts for a startup, so you may prefer a business credit card that helps cover your expenses — instead of adding to them. Some cards charge annual fees, which may be hundreds of dollars. If the rewards outweigh that cost, paying a fee may be worth it. But there are also a number of business credit cards with no annual fee to choose from.
  • Gather your application materials. To get a business credit card, you’ll need to provide basic information about yourself, such as your name and Social Security number, and your new business. A formal business structure isn’t required for most cards. But in some instances — for example, if you want a corporate card for startups — you’ll need to provide company details like an employer identification number.
  • Use your card responsibly. Once you get your new business credit card, you can start spending. Many issuers offer free cards for employees, if you have any, and you’ll get any rewards tied to their purchases. If this is your first business credit card, work to build business credit by establishing good habits, such as keeping your spending low (20% to 30% of your credit limit) and making on-time payments.
Last updated on May 20, 2022

To recap our selections...

7 Best Business Credit Cards for Startups of June 2022

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses.