Best Business Charge Cards of July 2025

Business charge cards let you spend without credit limits. But you must pay your balance in full each billing cycle. Consider these cards if your company has a large operating budget and consistent cash flow.

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Capital One Venture X Business

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Capital One Venture X Business

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Capital One Spark Miles for Business

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

Capital One Spark Miles for Business

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

Pros

New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

Pros

New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus

Ink Business Cash® Credit Card

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Cash® Credit Card

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

Intro APR period
New cardholder bonus offer
High reward rate in bonus categories

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

Capital One Spark Cash Plus

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Ramp Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Ramp Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

or get back to the for more options

Matching you with the right credit card...

Credit Card Finder

Let’s start with your credit. What is your personal credit score?

My monthly business revenue is

What’s most important to you in a new business card?

Is a 0% intro APR period a priority for you?

Recommendations do not guarantee card approval

Here are the best business charge cards

Capital One Spark Cash Plus

4.9

Best for Overall business charge card

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

Best for Overall business charge card

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Ramp Card

4.3

Best for Corporate charge card

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Ramp Card

Best for Corporate charge card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Sapphire Reserve for Business℠

4.7

Best for Business travel charge card with flexible payments

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Airport lounge access for primary cardholder and guests

Cons

High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month

Sapphire Reserve for Business℠

Best for Business travel charge card with flexible payments

4.7

Annual fee

$795

Rewards rate

1x-8x

Points

Intro offer

200,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Annual travel credit
Statement credit for Global Entry, TSA PreCheck® or NEXUS
Airport lounge access for primary cardholder and guests

Cons

High annual fee
Complicated rewards
Requires excellent credit
Purchases that don't qualify for Flex for Business must be paid in full every month

BILL Divvy Corporate Card

4.2

Best for Spend management tools

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

Best for Spend management tools

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Ink Business Premier® Credit Card

4.7

Best for Charge card with flexible payments

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No foreign transaction fees
No reward caps

Cons

High annual fee
Purchases that don't qualify for Flex for Business must be paid in full every month

Ink Business Premier® Credit Card

Best for Charge card with flexible payments

4.7

Annual fee

$195

Rewards rate

2%-5%

Cashback

Intro offer

$1,000

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No foreign transaction fees
No reward caps

Cons

High annual fee
Purchases that don't qualify for Flex for Business must be paid in full every month

Brex Card

5.0

Best for Charge card for startups (no personal guarantee)

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

Best for Charge card for startups (no personal guarantee)

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Should you get a business charge card or business credit card?

Business charge cards typically have no preset spending limit and must be paid in full every day, week or month, depending on your billing cycle.

Business credit cards

, on the other hand, have a set credit limit and allow cardholders to carry a balance (with interest charges).

Who should consider a business charge card? Businesses with high recurring costs and regular, reliable cash flow are good candidates for a business charge card. These companies can take advantage of unlimited spending potential without sweating the payment. (Note: Some charge cards let you pay for certain purchases over time.) Charge cards like Brex and Ramp can also be a good fit for incorporated companies that want a

corporate charge card

with no personal guarantee or annual fee.

Who should consider a business credit card? Companies that need a little flexibility — to finance purchases or cover the gap between revenue and operating expenses — should opt for a business credit card over a charge card. Businesses with lower annual spending (less than $50,000 per year) can also net comparable rewards with a business credit card, minus the annual fee or rigid payment requirements typical of a charge card.

The American Express Blue Business Cash™ Card

, for example, earns 2% back on the first $50,000 spent each year and has no annual fee.

Business charge cards: Pros and cons

Pros

No preset spending limit.

Higher rewards for higher spending.

Cons

Little to no wiggle room on payments.

High late fees.

High annual fees.

A business charge card can have distinct advantages for entrepreneurs — namely, no cap on spending. But there are trade-offs, including the potential for steep late payment penalties.

Dig deeper: Pros and cons of business charge cards

Pros

No preset spending limit: Businesses looking for a high-limit business credit card won’t be constrained by a credit limit with a business charge card. Note: Corporate charge cards, including Ramp and Brex, do cap your spending limit. And charge cards that allow you to pay over time on select purchases, like the Ink Business Premier® Credit Card, set a credit limit for financed purchases.

Higher rewards for higher spending: More purchasing power equals more opportunities to earn rewards. Many of the best business charge cards allow you to rack up unlimited rewards, where other cash-back business credit cards cap what you can earn. And the Ink Business Premier and Spark Cash Plus both give you extra incentive to charge more, with bonuses and cash back boosts for big spending. Want a regular business credit card that doesn’t cap your cash back? Check out the Ink Business Unlimited® Credit Card or the Wells Fargo Signify Business Cash℠ Card.

Cons

Limited wiggle room: Business charge cards offer a lot of spending leeway but minimal breathing room if your business has cash flow issues. A late payment can impact your business credit score, and serious delinquencies may also affect your personal credit. Ramp and Brex both automatically debit payments from linked bank accounts, and Brex may zero out your credit limit if a scheduled payment fails. (Note: Ramp and Brex are corporate cards. Missed payments on these cards impact your business credit, not your personal credit.)
High late fees: A missed payment on your business charge card can also lead to a hefty late fee — up to 2.99% of your outstanding balance, depending on your card. Miss a payment with a balance of $5,000? That could be a $149.50 late fee. On a $10,000 balance? $299. Most business credit cards charge a flat late fee, which is rarely more than $40.
Annual fee: Many of the best business charge cards come with high annual fees. The Ink Business Premier® Credit Card is $195 per year, for example, and the Capital One Spark Cash Plus has a $150 annual fee (see rates and fees ). Most cash-back business credit cards have no annual fee. And comparable business travel credit cards, like the Ink Business Preferred® Credit Card, have annual fees of just $95.

Last updated on July 15, 2025

Frequently Asked Questions

What is a business charge card?

Business charge cards can be used by companies to purchase inventory, software and other business needs. Charge cards typically have no preset spending limit and require your balance to be paid in full each billing cycle. Most corporate cards are also charge cards, though many have a spending limit that's tied to your business bank account and revenue.

Is the AmEx Blue Business Cash card a charge card?

The American Express Blue Business Cash card is a business credit card, not a charge card. Cardholders have a set credit limit and can carry a balance from month to month.

Methodology

NerdWallet's business credit card team selects the

best small-business credit cards

without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.

Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus.

Learn how NerdWallet rates small-business credit cards.

Meet the editorial team

Kelsey Sheehy

Senior writer | Small business, personal finance

Kelsey Sheehy is a senior writer and NerdWallet authority on small business. She started at NerdWallet in 2015 and spent six years as a personal finance writer and spokesperson before switching gears to cover the financial decisions and challenges faced by small-business owners. Kelsey’s work has appeared in The New York Times, The Washington Post, Nasdaq and MarketWatch, among other publications. Kelsey has appeared on the "Today" show, NBC News and ABC’s "World News Tonight" and has been quoted by the Los Angeles Times, CNBC, American Banker, NPR and Vice, among other publications. Prior to joining NerdWallet, Kelsey covered college (and how to pay for it) for U.S. News & World Report. She is based in Washington, D.C.