Best Business Credit Cards 2026
Why Business Cards?
Business credit cards separate personal and business expenses, simplify tax preparation, and offer rewards tailored to business spending. Many also provide employee cards at no extra cost.
Best Business Cards
Chase Ink Business Preferred offers 3x on travel, shipping, and advertising with a 100,000-point bonus. Capital One Spark Cash Plus gives 2% unlimited cash back. American Express Business Gold earns 4x on top two spending categories.
Benefits
Business cards often include employee expense management tools, higher credit limits, and year-end spending summaries. Some offer introductory 0% APR periods to help with cash flow during startup phases.
Applying as a Sole Proprietor
You can apply for a business card as a sole proprietor using your Social Security number. Most issuers accept business income, side hustle earnings, or freelance revenue as qualifying income.