Top 5 Business Credit Cards You Should Consider Applying for in 2026

Finding the right business credit card can make a big difference in managing expenses, earning rewards, and improving cash flow. With many options available, choosing the best card for your business needs can feel overwhelming. This guide highlights five top business credit cards for 2026, focusing on their key benefits, fees, and rewards to help you make an informed decision.

Top business credit card on a desk, highlighting design and usability

1. Chase Ink Business Preferred Credit Card

The Chase Ink Business Preferred card is a popular choice for small to medium-sized businesses looking for strong rewards and flexible redemption options.

• Rewards: Earn 3 points per dollar on the first $150,000 spent annually on travel, shipping, internet, cable, and phone services.

• Sign-up bonus: Typically offers a large bonus after spending $15,000 in the first three months.

• Annual fee: $95

• Additional perks: Cell phone protection, primary rental car insurance, and no foreign transaction fees.

  
  

This card suits businesses with significant travel and communication expenses, providing valuable points that can be redeemed for travel, gift cards, or cash back.

2. American Express Blue Business Cash Card

For businesses that prefer straightforward cash back without an annual fee, the American Express Blue Business Cash Card is a solid option.

• Rewards: 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%.

• Annual fee: $0

• Spending flexibility: Expanded buying power allows you to spend beyond your credit limit, subject to approval.

• Additional benefits: Expense management tools and no foreign transaction fees.

  
  

This card is ideal for businesses wanting simple cash back rewards without worrying about categories or fees.

3. Capital One Spark Miles for Business

Capital One Spark Miles is designed for businesses that travel frequently and want to earn miles on every purchase.

• Rewards: 2 miles per dollar on all purchases.

• Sign-up bonus: Usually offers 50,000 miles after spending $4,500 in the first three months.

• Annual fee: $0 intro for the first year, then $95.

• Travel perks: No foreign transaction fees, travel accident insurance, and access to Capital One’s travel portal.

  
  

This card works well for businesses with diverse spending patterns and a focus on travel rewards.

4. CitiBusiness / AAdvantage Platinum Select World Mastercard

If your business often flies with American Airlines, this card offers targeted benefits and rewards.

• Rewards: 2 AAdvantage miles per dollar spent on American Airlines purchases, telecommunications, car rentals, and gas stations.

• Sign-up bonus: Typically 65,000 miles after spending $4,000 in the first four months.

• Annual fee: $99, waived for the first year.

• Additional perks: Free checked bag, preferred boarding, and 25% savings on in-flight purchases.

  
  

This card is a strong choice for businesses that want to reduce travel costs and enjoy airline-specific benefits.

5. U.S. Bank Business Leverage Visa Signature Card

The U.S. Bank Business Leverage card offers flexible rewards with a focus on maximizing points in your top spending categories.

• Rewards: 2 points per dollar on the top two categories where you spend the most each month, 1 point on all other purchases.

• Annual fee: $0 intro for the first year, then $95.

• Bonus offer: Usually 50,000 points after spending $4,500 in the first 90 days.

• Additional features: Cell phone protection and travel insurance.

  
  

This card is great for businesses with variable spending habits that want to earn more points where it counts most.