By Ziv Shay | Updated April 2026
Cards designed for business spending. Compare 2 top-rated cards side by side.
Business credit cards keep personal and business expenses separate while earning rewards on common business categories like advertising, shipping, internet, and phone services. Many offer significantly higher sign-up bonuses than consumer cards.
The Chase Ink Business Preferred stands out with 90,000 Ultimate Rewards points (worth $1,125+ toward travel) and 3X on key business categories up to $150,000/year. The Amex Business Gold automatically earns 4X on your top two spending categories each month, making it ideal for businesses with variable expense patterns.
Business cards typically do not appear on your personal credit report (unless you default), which means they will not affect your personal credit utilization ratio. This is a strategic advantage for entrepreneurs who want to maintain borrowing capacity for mortgages or other personal loans.
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