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Best for business

Best Business Credit Cards

Ranked by net value on a typical sole-proprietor's spending — after fees, no pay-for-placement.

First — yes, you probably qualify.

You don't need an LLC. Freelancing, selling online, driving rideshare, a side hustle — that makes you a sole proprietor, and you can apply with just your SSN (your name is the business name). Only apply if you have real business spending: issuers expect these cards to be used for business purchases.

Our pick.

Blue Business Plus

$900/yr net

Best net value for a modest business (~$2,500/mo), after the fee — earning 2x on everything (first $50,000/yr, then 1x).

Trade-off: If you only ever cash out, points are worth ~0.6¢ each — a flat cash-back card beats that floor.

See offer — Blue Business Plus

Top 6 business cards by net value

Same engine as everything on this site — rewards on a sole-proprietor profile, minus the annual fee.

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

Things to know

Business-card bonuses are large because their spend requirements are large — some need $8,000–$15,000 in three months, far above a small operation's reality. We only count a bonus when the profile's spending can actually reach it. Also honest: cards with shipping or advertising bonuses (like Ink Preferred) earn more than we show if that's where your money goes — our engine doesn't score categories it can't verify, so we understate rather than guess.

Business cards typically require a personal guarantee — you're personally on the hook. Most don't report to personal credit unless you default. Verify terms on the issuer's page before applying.