The Best Business Credit Cards for Startups and Small Businesses

When you're running a small business or startup, having the right business credit card can be a game-changer. 

From managing cash flow to earning valuable rewards, business credit cards offer benefits that can help entrepreneurs grow and sustain their businesses.

But with so many options on the market, how do you know which one is best for you?

At Black Women in Wallstreet, we’re committed to helping women entrepreneurs make smart financial decisions. In this guide, we’ll break down the best business credit cards, what to look for when choosing one, and how to maximize their benefits.

🚀 Bonus: Some of the links below may be affiliate links, meaning we may earn a commission at no cost to you if you sign up through our recommendations. These partnerships help us continue providing valuable financial education to our community!

Why Get a Business Credit Card?

Before diving into the best options, let’s talk about why having a business credit card is essential for startups and small businesses:

✅ Separates Business & Personal Finances – Keeps business expenses off your personal credit report.

✅ Builds Business Credit – Helps establish your company’s credit profile for future loans.

✅ Earns Rewards & Cash Back – Many business credit cards offer travel perks, cash back, and points.

✅ Improves Cash Flow – Gives you flexible payment options to manage business expenses.

✅ Access to Higher Credit Limits – Business credit cards often have larger credit lines than personal cards.

If you’re ready to level up your business finances, let’s explore some of the best business credit cards available.

Best Business Credit Cards for Startups and Small Businesses

1. Chase Ink Business Cash® Credit Card

💳 Best for Cash Back Rewards

Why We Love It:

• 5% cash back on office supplies, internet, phone, and cable (up to $25,000 per year).

• 2% cash back at gas stations and restaurants.

• $750 sign-up bonus after spending $6,000 in the first 3 months.

• No annual fee!

📌 Apply Here: 

2. American Express Blue Business Cash™ Card

💳 Best for No Annual Fee & Flexible Spending

Why We Love It:

• 2% cash back on all purchases (up to $50,000 per year).

• 0% intro APR for the first 12 months.

• No annual fee, so you keep more money in your business.

📌 Apply Here:

3. Capital One Spark Cash Plus

💳 Best for Unlimited Cash Back

Why We Love It:

• 2% unlimited cash back on all purchases.

• $1,200 cash bonus after spending $30,000 in the first 3 months.

• No preset spending limit, making it great for high-growth businesses.

📌 Apply Here:

4. The Business Platinum Card® from American Express

💳 Best for Travel & Luxury Perks

Why We Love It:

• 5X points on flights and prepaid hotels through Amex Travel.

• $200 airline fee credit per year.

• Airport lounge access, hotel upgrades, and premium travel benefits.

• Massive welcome bonus (varies by offer period).

📌 Apply Here: 

5. Brex Card

💳 Best for Startups with No Personal Guarantee

Why We Love It:

• No personal credit check required – built for startups!

• Up to 7X points on business expenses.

• No annual fee or foreign transaction fees.

• Higher credit limits based on revenue, not personal credit score.

📌 Apply Here: 

How to Choose the Right Business Credit Card

Not all business credit cards are created equal! Here’s how to pick the best one based on your business needs:

💰 For Cash Back: Choose Chase Ink Business Cash or Capital One Spark Cash Plus for the highest returns.

✈️ For Travel Perks: The Amex Business Platinum is the ultimate card for frequent flyers.🚀 For Startups with No Credit History: The Brex Card is perfect for businesses without personal guarantees.

🛍 For Everyday Expenses: The American Express Blue Business Cash™ Card offers great flexibility with no annual fee.

Pro Tips to Maximize Your Business Credit Card Benefits

1️⃣ Pay Your Balance in Full – Avoid high interest rates by clearing your balance each month.

2️⃣ Use It for Business Expenses Only – Keep personal and business expenses separate.

3️⃣ Take Advantage of Rewards & Bonuses – Use points for travel, cash back, or business expenses.

4️⃣ Monitor Your Business Credit Score – Check your Dun & Bradstreet, Experian, and Equifax Business Reports regularly.

5️⃣ Increase Your Credit Limit Over Time – A higher credit limit improves your business’s borrowing power.

Get the Right Business Credit Card for Your Growth

A business credit card is more than just a spending tool—it’s a strategic financial asset that can help you build credit, earn rewards, and manage cash flow effectively.

As Black women entrepreneurs, having access to capital and credit is key to scaling our businesses and creating generational wealth. Choosing the right business credit card can be a powerful first step in securing financial freedom.

👉 Ready to apply for the best business credit card for your needs? Click on the links above to explore your options and start building your business credit today!

💬 Drop a comment below: Which business credit card do you use? What’s your biggest business credit question? Let’s talk!