Best Business Credit Cards 2026
Earn rewards on business expenses with these top business credit cards.5 cards worth $7,550+ in sign-up bonuses.
Chase Ink Business Preferred
The gold standard for business cards. Large sign-up bonus, 3x on shipping and internet, and full access to Chase Ultimate Rewards transfer partners. Points pair well with the Sapphire Reserve or Preferred.
Why Get a Business Card?
- • Separate expenses - Keep business and personal spending apart
- • Higher limits - Business cards often have higher credit limits
- • Better bonuses - Often higher sign-up bonuses than personal cards
- • Business perks - Employee cards, expense management tools
- • Doesn't count toward 5/24 - Most business cards don't report to personal credit
American Express Business Gold
The Business Platinum Card from American Express
Ink Business Preferred
Ink Business Unlimited
Frequently Asked Questions
What is the best business credit card in 2026?
The Chase Ink Business Preferred is widely considered the best overall business card. It offers a large sign-up bonus (often 100K+ Ultimate Rewards points worth $1,000+), 3x on shipping, internet, and travel, and the ability to transfer points to airline and hotel partners. The Amex Business Gold is a strong alternative with 4x on top spending categories.
Do I need an LLC to get a business credit card?
No. Sole proprietors, freelancers, and side-hustle earners can apply using their Social Security number and personal name as the business name. Any legitimate income-generating activity qualifies — selling online, consulting, rideshare driving, tutoring, etc. You do not need an LLC, EIN, or formal business registration.
Do business cards affect your personal credit score?
Most business cards (Chase Ink, Amex Business, Capital One Spark) do not report to personal credit bureaus unless you miss payments. This means business card balances won't affect your personal credit utilization ratio. However, the initial hard inquiry when applying does appear on your personal credit report.
Do business cards count toward Chase 5/24?
Most business cards do not count toward Chase's 5/24 rule because they don't appear on personal credit reports. This makes business cards a smart way to earn sign-up bonuses without using up your 5/24 slots. However, some issuers (like Capital One) do report business cards to personal bureaus — check before applying.