Card & Bank Suggestions / Business Credit Cards
Business Credit Cards

Business credit card suggestions

Three no-frills, cash-back business cards worth a look — compared on annual fee and reward rate. All figures below are pulled from each issuer's own site.

These are suggestions, not financial advice. MidPay is not affiliated with, endorsed by, or partnered with any card issuer named below. Approval, APRs, and terms depend on your credit profile — confirm current terms on the issuer's own site before applying.

How they compare

No annual fee Chase Ink Business Unlimited Best for a flat, no-fee cash-back rate on every purchase
Annual fee$0
Cash backUnlimited 1.5% on every purchase
Notable5% cash back on Lyft rides (promotional, through Sept. 2027 per Chase)
Visit Chase →
No annual fee American Express Blue Business Cash Best for the highest flat cash-back rate with no fee
Annual fee$0
Cash back2% on eligible purchases up to $50,000/year, 1% after
Visit Amex →
Fee refundable at scale Capital One Spark Cash Plus Best for higher-spend businesses that want a flat 2%
Annual fee$150, refunded after $150,000 in annual spend
Cash backUnlimited 2% on every purchase, no category limits
Notable5% on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
Visit Capital One →

Note: Annual fees and reward rates were current per each issuer's own site as of this writing and can change without notice — always confirm terms with the issuer before applying. Approval and any credit limit depend on your personal and business credit profile.

Business Checking Suggestions → POS Hardware Suggestions → All Suggestions →

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