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Updated October 2026
Best Business Credit Cards of October 2026
Separate business and personal spending, earn rewards on business expenses and get free employee cards.
Ledgerly may earn a commission when you apply through links on this page. This doesn’t affect our ratings.
Our picks
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- 3x points in common business categories
- 90,000-point bonus
- Free employee cards
Rates & fees apply. Offer terms set by the issuer.
90,000 bonus points
Rates & fees apply. Offer terms set by the issuer.
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- Unlimited 1.5% back, no categories
- $750 bonus cash
- Free employee cards
Rates & fees apply. Offer terms set by the issuer.
$750 bonus cash
Rates & fees apply. Offer terms set by the issuer.
Editor’s pick
Our top business card
Unlimited 1.5% cash back on every business purchase, free employee cards and 0% intro APR for 12 months.
Rates & fees apply. Offer terms set by the issuer.
How we picked these cards
We compared business cards on rewards for common business expenses, welcome bonuses, employee card features and fees.
Do you need a business credit card?
- Separate your finances. A business card keeps expenses clean for bookkeeping and taxes.
- Freelancers qualify. Sole proprietors can apply with their own name and Social Security number.
- Earn on business spending. Advertising, shipping and software can earn bonus rewards.
Ledgerly tip
Not sure which category fits you? Start with what you spend the most on each month, then compare the top card in that category.
Frequently asked questions
Can I get a business card without an LLC?
Yes. Sole proprietors and freelancers can apply.
Does a business card affect my personal credit?
Applying usually involves a personal credit check, but most issuers only report to personal credit if the account becomes delinquent.
Are employee cards free?
On both cards on this list, yes.