When you're expanding a small business, you want financial tools that can help you grow, provide flexibility, and reward you for your spending. And these days, there are more options than ever for small business credit cards to do exactly those things.

But with all the options available, it can be challenging to choose the right card for your business. Is it better to go with travel rewards, or would you prefer a cashback credit card? Should you focus on the annual fee? The interest rate?

This list breaks down some of the best small business credit cards to help you find the right card for your business, no matter your needs.

American Express Blue Business Cash? Card

Best for no annual fee

See Rates and FeesTerms Apply card highlights intro bonusEarna $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.APR18.49% - 26.49% Variablerecommended creditExcellent/Goodreward rates

• Earn 2% cash back on all eligible purchases on up to$50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• 1% cash back on all eligible purchases after spending$50,000 per calendar year.

annual feeNo annual feeintro purchase APR0% on purchases for 12 months from date of account openingrewards & redemption details

• Earn 2% cash back on all eligible purchases on up to$50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• 1% cash back on all eligible purchases after spending$50,000 per calendar year.

The American Express Blue Business Cash? Card is one of the most popular business credit cards on the market. When you apply for this card, you'll enjoy a 0% introductory APR on purchases for 12 months from account opening (then 18.24% - 26.24% variable APR), as well as a$250 statement credit when you spend$3,000 on your card in the first three months.

As far as ongoing rewards, this card offers 2% cashback on eligible purchases up to$50,000 each year. Once you exceed$50,000, you'll earn 1% cashback on the rest of your purchases for the year. When you earn cashback, it's automatically applied as a statement credit.

Pros:

• Generous welcome bonus and cashback rewards

• 0% introductory APR on purchases for 12 months 

• Expanded buying power to spend above your credit limit

Cons: 

• $50,000 yearly spending cap on 2% cashback

• Foreign transaction fees

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Blue Business Cash? Card

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Chase Ink Business Cash? Credit Card

Best for bonus categories

card highlights intro bonusEarn $900 bonus cash back after you spend$6,000 on purchases in the first 3 months from account openingAPR18.49% - 24.49% Variablerecommended creditGood, Excellentreward rates

• Earn 5% cash back on the first$25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first$25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn

annual fee$0 intro purchase APR0% Intro APR on Purchases for 12 monthsadditional details balance transfer feeEither$5 or 5% of the amount of each transfer, whichever is greater.balance transfer APR18.49% - 24.49% Variableforeign transaction fees3% of each transaction in U.S. dollars.penalty APRUp to 29.99%rewards & redemption details

• Earn 5% cash back on the first$25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first$25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• Earn 1% cash back on all other card purchases with no limit to the amount you can earn

The Chase Ink Business Cash card is one of a handful of popular business credit cards that Chase offers. When you sign up for this card, you'll get a 0% introductory APR on purchases for the first year after opening the card (and between 18.24% and 24.24% variable rate after that). You'll also have access to a new cardmember offer of$750 cashback when you spend$6,000 on purchases in the first three months.

The Ink Business Cash offers ongoing 5% cashback on the first$25,000 you spend on office supplies, internet, cable, and phone services. You'll also earn 2% cashback on the first$25,000 you spend at gas stations and restaurants. Finally, you'll earn 1% cashback on all other purchases.

Pros:

• Generous new cardmember offer

• 0% introductory APR for the first 12 months

• High cashback on office supplies and telecommunications

Cons: 

• $25,000 spending cap on bonus categories

• Low rewards on all other spending

• Foreign transaction fees

Chase Ink Business Cash? Credit Card

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Capital One Spark Cash Plus

Best for flat-rate rewards

card highlights intro bonusEarn a one-time cash bonus of$1,200 once you spend$30,000 in the first 3 monthsAPRN/Arecommended creditExcellentreward rates

• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions

annual fee$150intro purchase APRN/Aadditional details intro balance transfer APRN/Abalance transfer feeN/Abalance transfer APRN/Alate payment fee2.99% of the unpaid portionforeign transaction feesNonepenalty APRN/Arewards & redemption details

• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions

The Capital One Spark Cash Plus card is a flat-rate rewards card that offers excellent cashback on your spending. When you sign up for the card, you'll get a$1,000 cash bonus -$500 when you spend$5,000 in the first three months and$500 when you spend$50,000 in the first six months. 

As for ongoing rewards, the Spark Cash Plus offers 2% cashback on all of your purchases, without spending limits or category restrictions. You'll also earn a$200 annual cash bonus each year that you spend$200,000 or more.

One unique feature about the Spark Cash Plus card is that it's a pay-in-full card, meaning you can't carry a balance. Capital One requires that you pay the card off each month or be charged a 2.99% monthly late fee. As a result, this card may not be well suited to small businesses that want to use a credit card to finance a larger purchase over a longer period.

Pros:

• High welcome bonus and annual spending bonus

• Generous flat-rate rewards

• No foreign transaction fees

Cons: 

• Annual fee

• Must be paid in full each month

• Requires excellent credit

Capital One Spark Cash Plus

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The Business Platinum Card? from American Express

Best for business travel

See Rates and FeesTerms Apply card highlights intro bonusWelcome Offer: Earn 120,000 Membership Rewards? points after you spend$15,000 on eligible purchases with your Card within the first 3 months of Card Membership.APR19.49% - 27.49% Variablerecommended creditGood, Excellentreward rates

• 5X Membership Rewards? points on flights and prepaid hotels on AmexTravel.com
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of$5,000 or more everywhere else, on up to$2 million of these purchases per calendar year
• 1X points for each dollar you spend on eligible purchases.

annual fee$695intro purchase APRN/Aadditional details balance transfer feeN/Alate payment fee$39 or 2.99% of any past due Pay in Full amount, whichever is greater.foreign transaction feesNonepenalty APR29.99% Variablerewards & redemption details

• 5X Membership Rewards? points on flights and prepaid hotels on AmexTravel.com
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of$5,000 or more everywhere else, on up to$2 million of these purchases per calendar year
• 1X points for each dollar you spend on eligible purchases.

The Business Platinum Card? from American Express is a premium card for small businesses. When you apply right now, you'll get 120,000 membership points when you spend$15,000 on eligible purchases in the first three months of card membership. This is higher than the card's normal 100,000 membership point bonus.

As far as online rewards, the card offers 5X points on flights and prepaid hotels that you book through AmexTravel.com. You'll also get 1.5X points on eligible purchases of$5,000 or more (cap applies) and 1X points on all other purchases throughout the year.

Pros:

• Lots of premium travel perks

• Higher rewards points on travel and large purchases

• Large 120,000 point welcome bonus

Cons: 

• Annual fee

• Limited rewards on everyday spending

• Can't carry a balance on smaller purchases

• No 0% introductory APR

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Business Platinum Card? from American Express

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Chase Ink Business Preferred? Credit Card

Best for sign-up bonus

card highlights intro bonusEarn 100k bonus points after you spend$15,000 on purchases in the first 3 months from account opening. That's$1,000 cash back or$1,250 toward travel when redeemed through Chase Ultimate Rewards?APR21.24% - 26.24% Variablerecommended creditGood, Excellentreward rates

• Earn 3 points per$1 on the first$150,000 spent on travel and select business categories each account anniversary year
• Earn 1 point per$1 on all other purchases