Best Small Business Credit Cards (2026)
A dedicated business card keeps company and personal spending apart, earns rewards on expenses you already have, and usually comes with free employee cards. You do not need an LLC; sole proprietors and freelancers qualify with their own name and Social Security number.
We rank business cards by rewards on common business categories like advertising, shipping, office supplies, and travel, valuing points at a flat 1 cent.
Our top picks
1. TD Business Solutions Credit Card 2x flat
The TD Business Solutions Credit Card has no annual fee, plus a welcome offer of $400 cash back.
- Unlimited 2% cash back on all business purchases
- Free employee cards
- Counts toward Chase 5/24 (TD business cards report to personal credit)
2. Wells Fargo Signify Business Cash℠ 2x flat
The Wells Fargo Signify Business Cash℠ has no annual fee, plus a welcome offer of $500 cash rewards bonus.
- Employee cards at no additional cost
- Simple flat-rate earning for business spending
3. American Express® Blue Business Plus 2x flat
The American Express® Blue Business Plus has no annual fee, plus a welcome offer of 15,000 Membership Rewards® Points.
- Expanded buying power, spend beyond your limit when your business needs it
- Employee cards at no additional cost
4. Capital One Venture X Business 2x flat
The Capital One Venture X Business has a $395 annual fee, plus a welcome offer of 150,000 Miles.
- $300 annual Capital One Business Travel credit
- Free employee cards
5. Capital One Venture Business 2x flat
The Capital One Venture Business has a $95 annual fee, plus a welcome offer of 100,000 Miles.
- Annual credits for Capital One Business Travel and qualifying advertising and software purchases
- Free employee cards that earn miles in the same pool
Compare the top cards
| Card | Rewards rate | Annual fee | Welcome offer | Details |
|---|---|---|---|---|
| TD Business Solutions Credit Card | 2x flat | No annual fee | $400 cash back | Review |
| Wells Fargo Signify Business Cash℠ | 2x flat | No annual fee | $500 cash rewards bonus | Review |
| American Express® Blue Business Plus | 2x flat | No annual fee | 15,000 Membership Rewards® Points | Review |
| Capital One Venture X Business | 2x flat | $395 | 150,000 Miles | Review |
| Capital One Venture Business | 2x flat | $95 | 100,000 Miles | Review |
Rewards rates and offers verified July 2026. Every point is valued at a flat 1 cent. Run your own numbers in the rewards calculator, and check the best current welcome offers for cards running an elevated bonus right now.
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