Starting or growing a small business often requires access to flexible credit options. One of the most popular tools available to entrepreneurs is a business credit card. But choosing the right one depends on where you bank and what your business needs. Fortunately, many small business-friendly banks offer a wide range of business credit cards that come with perks like cashback, travel rewards, low interest rates, and easy expense tracking. Whether you’re managing cash flow, making bulk purchases, or building your company’s credit, having a business credit card from a reliable small business bank can make a huge difference. This article explores which small business banks offer business credit cards, the benefits they provide, and how they compare.
1. Chase Bank
Chase is a top choice for small businesses because of its wide range of Ink Business credit cards. These cards offer generous sign-up bonuses, cashback rewards, and travel perks. For example:
- Ink Business Unlimited® Credit Card – Offers unlimited 1.5% cash back on all purchases.
- Ink Business Preferred® Credit Card – Ideal for businesses with travel or advertising expenses, offering huge point bonuses.
Chase also offers great integration with QuickBooks and detailed expense tracking tools. Plus, its mobile app and customer service are highly rated by business owners.
2. American Express (Amex)
American Express specializes in premium business credit cards with rewards for spending. Their offerings include:
- Blue Business® Plus Credit Card – Earns 2X points on everyday business purchases.
- Business Gold Card – Offers 4X points on top spending categories like advertising, tech, or shipping.
Amex is known for strong customer service, premium benefits, and travel rewards. It’s great for businesses that spend heavily and want to maximize returns.
3. Capital One
Capital One offers simple, flexible business credit cards like:
- Spark Cash Plus – Unlimited 2% cash back on every purchase.
- Spark Miles for Business – Earn 2X miles per dollar, ideal for travel-heavy companies.
Their business credit cards are known for no foreign transaction fees, flexible reward redemption, and helpful tools for managing employee cards.
4. Bank of America
Bank of America offers small businesses excellent credit card choices such as:
- Business Advantage Customized Cash Rewards Mastercard® – Choose your own top spending category for 3% cash back.
- Business Advantage Unlimited Cash Rewards Mastercard® – Unlimited 1.5% cash back on all purchases.
BoA also has Preferred Rewards for Business, offering higher rewards if you have more money in your account. It’s a great pick for businesses that already bank with BoA.
5. Wells Fargo
Wells Fargo provides simple yet useful credit cards for small businesses:
- Wells Fargo Business Platinum Credit Card – Offers either cash back or points rewards.
- Customizable credit limits for employees.
- No annual fees and low introductory rates.
Its online account management tools and integration with accounting software are appreciated by small business owners.
6. U.S. Bank
U.S. Bank is another strong option, offering:
- Business Leverage® Visa Signature® Card – 2X points in top two categories where your business spends the most.
- Triple Cash Rewards World Elite Mastercard® – 3% cash back on common business categories.
It’s ideal for businesses that want customized rewards and low APR options.
7. PNC Bank
PNC offers small business credit cards with:
- Competitive cashback options.
- Low introductory APRs.
- Visa BusinessOptions® Credit Card with flexible rewards and expense management tools.
PNC is particularly popular among East Coast and Midwest-based small businesses.
8. TD Bank
TD Bank’s business credit cards include:
- TD Business Solutions Credit Card – No annual fee, 2% cashback in key categories like dining, gas, and office supplies.
It’s known for simple reward structures and strong customer support, making it great for new businesses.
9. Navy Federal Credit Union (for veterans and military families)
Navy Federal offers solid business credit cards like:
- Visa® Business Rewards Card – Earns points on all purchases.
- Low fees and military-friendly services.
This is a great option if you’re eligible and value personalized service and low interest rates.
10. Local and Regional Credit Unions
Many local credit unions also offer business credit cards with competitive terms. These institutions often provide more flexible credit requirements, lower fees, and personalized support. Credit unions like First Tech Federal, Alliant, and Bethpage are worth considering for startups or sole proprietors.
Conclusion
Finding the right small business bank that offers a good credit card is essential for managing finances, building credit, and earning rewards. From national banks like Chase, Amex, and Capital One, to regional players like TD Bank and PNC, and even credit unions, there are excellent options available to suit different business needs. Before choosing a card, think about your spending habits, preferred rewards (cashback, travel, points), and whether you value lower interest rates or higher bonuses. Take the time to compare offerings, read the fine print, and choose a business credit card that grows with your company. A well-chosen card can be more than a payment tool—it can become a key financial asset in your business journey.