Business credit cards separate expenses, build business credit, and earn rewards on every purchase. Here are the best cards for refund-funded startups.
Best Rewards
Chase Ink
5% categories
Best Flat Rate
Amex BBP
2x everything
Best Cashback
Cap One Spark
2% flat
Best 0% APR
Chase Ink
12 months
1. Chase Ink Business Cash — Best for Office Spending
5% cash back on office supplies and internet/cable/phone services (up to $25,000/year). $750 bonus after $6,000 in spending.
- Rewards: 5% office supplies/internet, 2% gas/restaurants, 1% else
- Annual fee: $0
- Intro APR: 0% for 12 months
- Best for: Businesses with office expenses or home internet
2. Amex Blue Business Plus — Best Flat-Rate Rewards
2x Membership Rewards points on all purchases (up to $50,000/year). Flexible points transfer to airlines and hotels.
- Rewards: 2x points on everything
- Annual fee: $0
- Intro APR: 0% for 12 months
- Best for: Businesses with diverse spending that don't fit bonus categories
3. Capital One Spark Cash Plus — Best for High Volume
Unlimited 2% cash back on all purchases. No preset spending limit (pays in full monthly).
- Rewards: 2% unlimited cashback
- Annual fee: $150
- Best for: Businesses with $10,000+/month in expenses
4. Chase Ink Business Unlimited — Best Simple Cashback
Unlimited 1.5% cash back. $750 bonus. 0% APR for 12 months. No annual fee.
- Rewards: 1.5% unlimited
- Annual fee: $0
- Best for: Simple cashback without category tracking
| Card | Rewards | Annual Fee | Intro APR | Bonus | Best For |
|---|---|---|---|---|---|
| Chase Ink Cash | 5%/2%/1% | $0 | 0% 12 mo | $750 | Office expenses |
| Amex BBP | 2x points | $0 | 0% 12 mo | None | Flat-rate rewards |
| Cap One Spark | 2% cash | $150 | N/A | $500 | High volume |
| Chase Ink Unlimited | 1.5% cash | $0 | 0% 12 mo | $750 | Simple cashback |
Building Business Credit
Most business cards require a personal guarantee and check your personal credit. However, responsible use builds your business credit profile:
- Pay in full monthly
- Keep utilization under 30%
- Use the card for all business expenses
- After 6–12 months, request a credit limit increase
Compare and Apply
Most business card applications take 5 minutes. You'll need your EIN and estimated annual revenue.
Chase Ink Cards →Unless your business has $1M+ revenue and 3+ years of history, you'll need to personally guarantee the card. This means missed payments affect your personal credit score. Treat business cards with the same discipline as personal cards.