6 Best Business Credit Cards for Startups 2022

Cody Cromwell
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Chase Ink Business Cash®: Overall Best Business Credit Card for Startups

(if you just need to spend on office supplies)

The Chase Ink Business Cash® credit card is one of the best business credit cards available. It has no annual fee and the rewards are fantastic. If you need a card to quickly make purchases for office supplies, then you’d be hard-pressed to find a more convenient card. Have your employees order office supplies with a single click every month, and then pay with points as payment. The rewards are fantastic, and if you’re in a start-up, you’d be hard-pressed to find a better value.

Rewards Are Fantastic

Super easy to use; all you have to do is place an order from the company’s site, and then use the card to pay.

Business owners benefit the most from the card’s cash back and the points. Small business owners find it incredibly convenient to have their office supplies delivered automatically every month; there is no need to lug around a list or stand in line every time you need office supplies.

Banking colleagues can even use the card to order office supplies and split the bill among all of them.

The card works best for businesses that spend on purchases for office supplies rather than for purchases for products.

Brex Card for Startups: Best for No Personal Guarantee & High Credit Limits

The Brex card is one of the best business credit cards for startups. The reason is that the card does not require the guarantor to have access to your personal salary.

The Brex card promises a great range of sign up bonuses of up to £6,000 in the first year. The Brex card comes with a great introductory APR of only 10.9% for 12 months.

Furthermore, the card churns out a generous credit line of up to £250,000. This credit limit is very good to allow rapid spending on securing your start-up.

Moreover, the Brex card offers generous reward points on all purchases, which can be redeemed for great discounts or cash back.

Chase Ink Business Unlimited®: Best for Fixed-rate Rewards & Big Introductory Bonus

American Express Blue Business Cash TM Card: Best for Earning the Highest Fixed-rate Return

With one of the lowest ongoing APR, the Blue Business Cash is the best credit card to take on your business. The card earned a 5-Star rating for its excellent customer service and ease of use, and this is noticeable even with its higher APR. If figured out how to use this card to its highest advantage, you can earn a return of 5.99% for the first 6 months of opening your business. And the best part is that you get the full amount in cash upon the first month of card use.

The other notable benefit of this card is its low interest rate …as low as 10.99% or as high as 27.24% … adjustable rates based on your merchant type to keep you within your budget. You can use it for business purchases, not only for personal expenses … you can use it for travel bookings, entertainment, and more. Customers are highly satisfied with the level of customer service provided by American Express and they find it easier to use than other cards.

U.S. Bank Business Platinum Card: Best for Introductory 0% APR for 15 Billing Cycles

U.S Bank has been the most affordable travel rewards card for ages in the business sector. But this has changed since U.S Bank has launched its new business credit card from the Platinum Series.

The new Platinum card has definitely made some major tweaks and modifications but U.S bank at least has not compromised its core values in the new Premier Business Card.

Here are the main consumer credit card features you have to look for in a debit card:

  • Ease of use for an extra swipe/RMA
  • No More Competitors, Free Applicable Travel

Cardis: Platinum benefits

The U.S Bank Platinum card offers more than the bulk of cards out there.

The card give you the least hassle of using the Credit and Debit card. This is due to the fact that it is a single swipe for both, the credit card and the debit card.

Another great benefit is that there is no major need to update your monthly data in the credit card, which makes it quite very convenient.

No more competitors – Free travel

Unlike many of its competitor cards that offer an introductory bonus of 35,000 points after first purchase, the Premier card comes with no annual fee and an introductory rate of only 0% APR for 15 billing cycles.

Capital One® Spark® Classic for Business: Best for Fair Credit

The Capital One Spark Classic® for Business card is one of the best business credit cards for startups with fair credit. This isn’t an everyday card, so you should only charge in low amounts and pay off the balance in full each month. You can also ask for an introductory rate of 15.99 percent during the first six months.


This card is great if your credit history is limited, because you can get an excellent credit score simply by logging into your online account and paying your balance on time and in full. It also comes with a 15.99 percent introductory rate for the first six months.


Capital One also offers accounts with no annual fee on the MicroLoan® and Loan®, so you can choose a lower-risk card if your credit is still not that great.

Business Credit Cards for Startups vs Personal Cards

Finance is a significant element of your company’s growth; so you need the right financing options to grow your business and strategically prepare for the financial future.

How We Evaluated New Business Credit Cards

We evaluated each business credit card based on three major criteria.

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