Best Business Credit Cards of June 2026

For a $95 fee, no business card returns more: three points per dollar on travel, shipping, internet and phone service, and online advertising, on up to $150,000 in combined spending a year. Points transfer to Chase's airline and hotel partners and pool with a personal Sapphire, and the welcome bonus takes $8,000 in spending over three months. Employee cards are free, there's no foreign transaction fee, and normal activity stays off your personal credit report. It's the default first card for almost any small business.

The Ink Business Unlimited earns an unlimited 1.5% on everything with no annual fee, and its welcome bonus takes $8,000 in spending over four months. A 12-month 0% intro window on purchases helps fund startup costs, and pairing it with an Ink Preferred or personal Sapphire quietly converts the cash back into transferable Ultimate Rewards points. It's the simple workhorse for owners who don't want to think about categories.

The Ink Business Cash pays 5% at office supply stores and on internet, cable, and phone service, on up to $25,000 in combined spending a year, which works out to as much as $1,250 back on bills most businesses already pay. Gas stations and restaurants earn 2% on a separate $25,000 cap, there's no annual fee, and a 12-month 0% intro window covers purchases. It's built for offices whose overhead lives in those exact categories.

The Business Gold watches where your money goes and applies four points per dollar to your top two categories each month, from a list spanning advertising, electronics and software, restaurants, gas, transit, and wireless, on up to $150,000 a year. The recent credit refresh stacked up to $300 for ChatGPT Business, $150 for Squarespace, $240 in flexible monthly credits, and a Walmart+ membership against the $375 fee. It's for businesses whose biggest expense changes month to month.

The Business Platinum is the travel flagship for businesses that live on the road: Centurion Lounge access, Priority Pass, and ten Delta Sky Club visits a year, plus a credit stack that runs from $600 in hotel credits to $360 for Indeed, $250 for Adobe, and over $1,000 in Dell credits for heavy Dell spenders. Purchases of $5,000 or more earn double points, and paying for flights with points returns 35% of them on your selected airline. The $895 fee only makes sense if the credits map to bills you already pay. It's for high-spending businesses with a travel schedule to match.

The Triple Cash earns an uncapped 3% on gas and EV charging, restaurants, office supply stores, and cell phone service, with no annual fee, and it isn't a Chase card, which matters if 5/24 has you locked out. A $100 annual software credit and a 12-billing-cycle 0% window on purchases and balance transfers sweeten it, and the welcome bonus allows a relaxed 180 days to meet its $6,000 spend requirement. Gas and EV purchases over $200 per transaction drop to 1%, the one quirk worth knowing. It's the strongest no-fee cash-back card for businesses outside the Chase ecosystem.

The Spark Cash Plus earns an uncapped 2% on absolutely everything, plus 5% on hotels and rental cars booked through Capital One Travel, with no preset spending limit. The $150 fee refunds itself every year you spend $150,000 or more, which is exactly the kind of business this card is built for. It's structured to be paid in full, with a pay-over-time option added in 2026. It's for businesses putting six figures a year on the card with no single dominant category.

The Blue Business Plus is the only no-fee business card that earns fully transferable Membership Rewards on everything: two points per dollar on up to $50,000 a year, then one point after. Those points pool with a Business Gold or Business Platinum and reach their best value at Amex's airline partners. A 12-month 0% intro window on purchases and Expanded Buying Power round it out. It's the card every Amex-based business wallet should hold for its everyday spending.