Best Business Credit Cards of 2024

In 2024, business credit cards are more tailored than ever to meet the diverse needs of companies. This guide explores the best business credit cards available, focusing on categories such as no personal guarantee, business travelers, best rewards, and best no annual fee. 

Best for No Personal Guarantee: Brex and Ramp

Brex Business Credit Card

Key Features:

• No Personal Guarantee: Credit limits are based on business performance and cash flow, not personal credit scores.
• Dynamic Credit Limits: Adjusts with your business’s cash flow.
• Robust Rewards Program: Earn points on travel, dining, software, and ridesharing.
• Expense Management Tools: Integrated tools for streamlined bookkeeping and spending insights.
• Partnership Discounts: Access to significant discounts from partners like Amazon Web Services and Google Ads.

Good For:

• Startups and Tech Companies: Ideal for businesses with substantial funding but limited credit history.
• High-Growth Companies: Flexible credit limits are beneficial for rapidly scaling businesses.
• Frequent Travelers: Enhanced rewards on travel-related expenses.

Ramp Business Credit Card

Key Features:

• No Personal Guarantee: Protects personal credit scores.
• Flat 1.5% Cash Back: Simple and predictable rewards on all purchases.
• Cost-Saving Tools: Identifies cost-cutting opportunities and provides real-time spending alerts.
• Automated Expense Management: Features like automated expense reports streamline operations.
• Customizable Controls: Set spending limits and enforce policies to ensure compliance.

Good For:

• Small to Mid-Sized Businesses: Especially those looking for straightforward expense management.
• Cost-Conscious Companies: Ideal for businesses focused on saving money and optimizing spending.
• Simplified Rewards: Businesses preferring a flat cash back rate.

Best for Business Travelers: Capital One Venture X Business, Chase United Business

Capital One Venture X Business Card

Key Features:

• 2x Miles on All Purchases: Unlimited miles on every purchase.
• 100,000 Miles Bonus: Earn after spending $10,000 in the first 6 months.
• Travel Perks: Includes airport lounge access and travel protections.
• Flexible Redemption: Miles can be redeemed for travel, statement credits, or transferred to over 15 travel loyalty programs.

Good For:

• Travel-Intensive Businesses: Ideal for companies with significant travel expenses.
• Businesses Seeking Versatility: Those who want flexible redemption options and premium travel benefits.
• High Spenders: The rewards structure benefits businesses with substantial monthly expenses.

Chase United Business Card

Key Features:

• United MileagePlus Miles: Earn 2x miles on United purchases, dining, gas stations, office supply stores, and local transit, 1x mile on all other purchases.
• Free Checked Bag: One free checked bag on United flights.
• United Club Passes: Two one-time passes per year.
• Travel Protection: Various travel and purchase protection benefits.

Good For:

• Frequent United Airlines Flyers: Businesses that regularly fly with United.
• Travel-Heavy Companies: Those needing travel perks like free checked bags and lounge access.
• Reward Maximizers: Ideal for businesses looking to maximize miles on specific categories.

Best for Rewards: Capital One Spark 2x Miles for Business

Capital One Spark 2x Miles for Business

Key Features:

• 2x Miles on Every Purchase: Unlimited miles on all business purchases.
• 50,000 Miles Bonus: Earn after spending $4,500 in the first 3 months.
• Flexible Redemption: Miles can be used for travel, statement credits, and transferred to travel partners.

Good For:

• High-Spending Businesses: Ideal for businesses with substantial expenses seeking straightforward rewards.
• Travel Rewards Seekers: Companies that want flexibility in how they use their rewards.

Simple Rewards Structure: Businesses preferring uncomplicated rewards without spending categories.

Best for No Annual Fee: Amex Blue Business Cash

Amex Blue Business Cash Card

Key Features:

• 2% Cash Back: On all eligible purchases up to $50,000 per year, then 1% thereafter.
• Intro APR Offer: 0% introductory APR on purchases for the first 12 months.
• Expense Management: Tools to help track and manage expenses.

Good For:

• Small Businesses: Particularly those with moderate spending needs.
• Cost-Conscious Owners: Businesses looking for a simple cash back structure without annual fees.

Interest Savings: Beneficial for those who can take advantage of the 0% intro APR.