Looking to supercharge your savings on work expenses, business trips, and more? If so, a top business credit card can help you get there.
Whether you want a flat return on every purchase or lots of travel-related perks and statement credits, there’s a business card for you. Best of all, you don’t need to be a Fortune 500 CEO to get one — anyone with a side gig or small business can usually qualify.
Here are all our favorite business credit cards available this week.
Find a business card that works the way you do
The best business credit card isn’t the one with the loudest offer. It’s the one that fits how you actually run your business.
If you want easy math, a flat-rate cash back card keeps things simple. Same rewards on every purchase. No categories. No tracking.
If work travel is part of your routine, a travel card may deliver more value. Points you can transfer, built-in travel protections, and lounge access can all help lower out-of-pocket costs.
You may also want a card with a 0% intro APR. That can make it easier to spread out payments for equipment, software, or other large purchases without paying interest right away.
And if you’re trying to keep expenses lean, plenty of no-annual-fee business cards still offer strong rewards and practical perks.
What to know before you apply
You don’t need a big operation to qualify. Many freelancers, consultants, side hustlers, and online sellers are eligible for business credit cards.
A few quick reminders:
- You can apply as a sole proprietor using your own name and Social Security number.
- Income can include side work or expected earnings.
- Most business cards don’t report balances to your personal credit unless you miss payments.
No matter the card, paying on time is what matters most.
Business cards vs. personal cards
They may look alike, but they’re built for different jobs.
Business cards are designed for work spending — things like software, ads, travel, and office supplies. They often come with higher limits, spending tools, and employee cards.
Personal cards are better suited for everyday purchases like groceries, gas, and personal travel.
If you use both, keeping them with the same bank can make life easier. Some issuers even let you combine rewards, helping your cash back or points add up faster.
Compare all our top business credit card picks in 2026.
