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Best credit cards for small business (October 2026)
Business cards, ranked by KritScore. How we value points
- Capital One Venture X Business
$395 annual fee · Welcome offer worth about $2,775 · Earns Capital One miles · KritScore 85
- American Express Business Platinum
$895 annual fee · Welcome offer worth about $6,000 · Earns Amex Membership Rewards · KritScore 73
- Chase Sapphire Reserve for Business
$795 annual fee · Welcome offer worth about $4,000 · Earns Chase Ultimate Rewards · KritScore 71
- Capital One Venture Business
$95 annual fee · Welcome offer worth about $1,850 · Earns Capital One miles · KritScore 71
- IHG One Rewards Business Credit Card
$200 annual fee · Welcome offer worth about $1,140 · Earns IHG One Rewards · KritScore 64
- American Express Business Gold
$375 annual fee · Welcome offer worth about $4,000 · Earns Amex Membership Rewards · KritScore 61
- Delta SkyMiles Reserve Business American Express
$650 annual fee · Welcome offer worth about $2,400 · Earns Delta SkyMiles · KritScore 61
What is the best credit card for small business?
On our ranking it is the Capital One Venture X Business, with a KritScore of 85 and a $395 annual fee.
How are these cards ranked?
By KritScore, our overall rating of each card’s value.
Bonus categories can be limited (for example to bookings through the issuer’s travel portal, or capped per year), and offers change. Check each card’s current terms with the issuer before applying.
More rankings
Best for dining · Best for groceries · Best for travel · Best for gas · Best for everyday spending · Best for no annual fee · Best for cash back · Best for sign-up bonuses · Best for hotel stays · Best for airline miles