When shopping for a credit card for your business, the card issuer and payment network matter. Visa is one of the most widely accepted networks in the world, and small businesses can save on eligible expenses through the Visa SavingsEdge program.
CNBC Select selected the best Visa business credit cards in a variety of categories, including cash back, welcome bonus, travel rewards and intro-APR offer.
For information on how we chose the best Visa business credit cards, see our methodology.
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Best Visa business credit cards
- Best for no annual fee: Ink Business Unlimited® Credit Card (See rates and fees)
- Best for welcome bonus: Ink Business Preferred® Credit Card (See rates and fees)
- Best for domestic flights: Southwest® Rapid Rewards® Performance Business Credit Card (See rates and fees)
- Best for 0% intro APR: U.S. Bank Business Platinum
- Best for cash back: U.S. Bank Triple Cash Rewards Visa® Business Card
Best for no annual fee
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Who's this for? The Ink Business Unlimited® Credit Card is great if you want a Visa business card with a solid rewards rate and no annual fee to worry about.
Standout benefits: The Ink Business Unlimited is a cash-back business card that earns a minimum of 1.5% cash back on every purchase. That's a 50% higher return on your purchases than most other business cash-back cards (on spending outside of a special bonus category).
Best for welcome bonus
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Who's this for? The Ink Business Preferred® Credit Card is ideal not only if you're looking to earn valuable travel rewards for your business purchases, but it can provide you with one of the biggest welcome bonuses available.
Standout benefits: The Ink Business Preferred Card earns 3X Chase Ultimate Rewards® points where it matters most for business owners. You'll earn this elevated rewards rate on the first $150,000 in combined purchases each account anniversary year for shipping, travel, advertising (with social media and search engines) and internet, cable and phone services (then 1X points).
Best for domestic flights
- Welcome bonus counts toward earning a Southwest Companion Pass
- Up to 365 in-flight Wi-Fi credits every year
- Four Upgraded Boardings per year (when available)
- Global Entry, NEXUS or TSA PreCheck® credit every four years
- High annual fee
- Limited value when you're not traveling with Southwest
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- 9,000 bonus points after your Cardmember anniversary.
- Earn 4X pts on Southwest® purchases.
- Earn 2 points for every $1 you spend at gas stations and restaurants
- Earn 2X points on hotel accommodations booked directly with the hotel
- Earn 2X points on local transit and commuting, including rideshare.
- First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
- Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transaction, whichever is greater.
Who's this for? You'll find the Southwest Rapid Rewards® Performance Business Credit Card rewarding and well worth the annual fee if your business travels take you all over the U.S.
Standout benefits: The Southwest Performance Business Card has a long list of perks that will save you money on Southwest flights. You receive up to 365 in-flight Wi-Fi credits per year, $500 worth of fee credits for point transfers every card anniversary year and a Global Entry or TSA PreCheck application fee credit.
Best for 0% intro APR
- Generous Intro APR offer for purchases
- No rewards
- No welcome bonus
Who's this for? Business owners who want interest-free financing to expand their operations will get lots of value from what the U.S. Bank Business Platinum offers.
Standout benefits: When you open a U.S. Bank Business Platinum, you'll get an intro 0% APR on purchases for the first 18 billing cycles (after that, a variable 17.49% - 26.49% APR applies). Having a full year and a half to pay off your balance adds a lot of flexibility to how you can invest in your business.
Best for cash back
The U.S. Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee business card that earns cash back rewards on a variety of business and everyday categories.
- Annual $100 software statement credit
- Valuable welcome bonus
- Has a foreign transaction fee
- Not very rewarding for purchases you make outside of the bonus categories
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Balance transfer fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card is perfect if you want straightforward rewards, a low cost and loads of useful features.
Standout benefits: With a new U.S. Bank Triple Cash Rewards Visa Business Card, you'll receive an intro 0% APR on purchases and balance transfers for 12 billing cycles (after that, a variable 17.24% - 26.24% APR applies). By itself, this 0%-APR offer is stellar, but it stands out even more when you also consider that this card has a lucrative welcome bonus and earns cash back at a healthy pace.
Don't miss: Easiest business credit cards to get
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More on our top Visa business credit cards
Ink Business Unlimited® Credit Card
The Ink Business Unlimited Credit Card is a cash-back business card that packs a lot of value for no annual fee.
Rewards
- 5% cash back on Lyft rides (through September 2027)
- 1.5% cash back on all other purchases
Welcome bonus
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual fee
$0
Notable perks
With a new Ink Business Unlimited card, you can take advantage of an intro 0% APR on purchases for 12 months. After the intro APR ends, a variable 16.74% - 24.74% APR applies. This offer alone could save you hundreds on interest, in addition to its hefty welcome bonus.
You can add employee cards for no additional cost and all cardholders can take advantage of insurance benefits such as:
- Purchase protection
- Extended warranty protection
- Roadside dispatch
- Rental car collision coverage
- Travel and emergency assistance services
Pro tip: The cash back you earn with this card can be converted into transferable Chase Ultimate Rewards® points when paired with an eligible Ultimate Rewards card, like the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card (See rates and fees).
This gives you the option of converting your cash-back rewards into points or miles with programs such as World of Hyatt, Southwest Rapid Rewards and United MileagePlus.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is a popular business rewards credit card with a reasonable annual fee and an unusually high welcome bonus offer.
Rewards
- 5X points on Lyft rides (through September 2027)
- 3X points on the first $150,000 in combined purchases in these categories each account anniversary year: Shipping, advertising (with select social media sites and search engines), travel, internet, cable and phone services
- 1X points on all other purchases
Welcome bonus
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual fee
$95
Notable perks
The Ink Business Preferred Card offers many travel and shopping protections, including:
- Trip cancellation and interruption insurance
- Roadside dispatch
- Rental car insurance (primary when renting for business purposes)
- Purchase protection
- Extended warranty protection
- Cell phone protection
These protections extend to employee cards, which are free to add to your account. It also has no foreign transaction fees, making it a solid business travel credit card.
Perhaps the best feature of this card is that it allows you to transfer Chase Ultimate Rewards points to over a dozen partner travel loyalty programs at a 1:1 ratio. This includes airline and hotel programs such as Marriott Bonvoy, British Airways Executive Club, Emirates Skywards, World of Hyatt and Southwest Rapid Rewards.
By transferring points, you can increase the value you receive by taking advantage of the best redemption options for 14 different airline and hotel loyalty programs. This flexibility allows you to book everything from luxury hotels to posh business-class flights.
Southwest Rapid Rewards® Performance Business Credit Card
The Southwest Rapid Rewards® Performance Business Credit Card is the airline's more premium business card and helps fast-track qualifying for a Southwest Companion Pass. The points you earn for spending with this card, including the welcome bonus, count toward qualifying for the Companion Pass.
Rewards
- Earn 4X points on Southwest® purchases.
- Earn 2x points on gas station and restaurant purchases.
- Earn 2x points on hotel accommodations booked directly with hotel.
- Earn 2X points on local transit and commuting, including rideshare.
Welcome bonus
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual fee
$299
Notable perks
It can be easy for frequent Southwest flyers to justify this card's $299 annual fee. You get 9,000 bonus points every year after your card anniversary (worth roughly $126 in Southwest flights). You also have access to a Global Entry or TSA PreCheck application fee credit (every four years).
This card can also help you earn Southwest A-list status. You'll earn 2,500 tier qualifying points (TQPs) for every $5,000 you spend in a calendar year. There's no cap on how many TQPs you can earn with your card, which makes it possible to earn A-list status without flying.
You can add employee cards for no additional fee and there are no foreign transaction fees.
U.S. Bank Business Platinum
The U.S. Bank Business Platinum may not offer rewards or flashy perks, but it can save you from paying exorbitant interest rates for well over a year.
Rewards
None
Welcome bonus
None
Annual fee
$0
Notable perks
In addition to not having no annual fee, as a new cardholder, you can take advantage of a 0% intro APR on purchases for the first 18 billing cycles. When the intro APR expires, the standard variable APR of 17.49% - 26.49% applies. That's one of the best intro APR offers available for a small business credit card.
U.S. Bank Triple Cash Rewards Visa® Business Card
The U.S. Bank Triple Cash Rewards Visa® Business Card has no annual fee and an excellent welcome bonus and intro-APR offer. It doesn't skimp on cash-back rewards, either, with an elevated 3% return on a range of purchases.
Rewards
- 5% cash back on prepaid hotels and car rentals booked through the Travel Rewards Center
- 3% cash back at gas and EV charging stations (transactions of $200 or less; excludes discount stores/supercenters and wholesale clubs)
- 3% cash back at office supply stores
- 3% cash back at cell phone service providers
- 3% cash back at restaurants
- 1% cash back on all other purchases
Welcome bonus
Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
Annual fee
$0
Notable perks
With a new account, you receive an intro 0% APR on purchases and balance transfers for 12 billing cycles from account opening, after that, a variable 17.24% - 26.24% APR applies.
You can earn a $100 software subscription credit every year after making qualifying purchases. To earn the credit, you must make 11 consecutive monthly payments to an eligible software provider, such as QuickBooks or FreshBooks.
How does the Visa SavingsEdge program work?
The Visa SavingsEdge program offers cash back and discounts to Visa business cardholders. To take advantage of these deals, you'll need to create an account and link your eligible Visa business cards.
You can earn rewards in three ways:
- in-store purchases
- online purchases
- instant coupons.
For in-store offers, just pay at a participating merchant with a linked card and you'll receive a statement credit. To earn cash back online, you'll need to activate the Visa SavingsEdge shopping portal. After clicking through to the merchant you want and making a qualifying purchase, you'll receive a statement credit.
Visa SavingsEdge instant coupon can be applied for real-time savings, either online or in-store.
FAQs
Do you need an EIN to get a business credit card?
Depending on how your business is structured, you don't need an Employer Identification Number (EIN) to qualify for a business credit card. If you're a sole proprietor, you can use your Social Security Number as your business tax ID on the card application.
What is the minimum credit score for a Chase business card?
The minimum credit score you need for a Chase business credit card varies by card. However, in general, you'll need a good to excellent credit score to be eligible for the best Chase business credit cards.
What's the easiest business credit card to get?
The easiest type of business credit card to get is a secured credit card. These cards don't have strict credit score requirements, but you'll need to make an upfront security deposit to qualify.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every business credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Visa business credit cards.
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Our methodology
To determine the best visa business cards, CNBC Select analyzed visa credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.
In addition to the visa cards' welcome offers, we compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, such as on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on how they can be redeemed, we also considered factors like transferability and the ability to redeem for cash back.
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* Information about the U.S. Bank Business Platinum has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
