Top Credit Card Issuers in the US
- Chase: A major player in both personal and business credit, Chase is known for its Ultimate Rewards® program, valuable welcome bonuses, and flexible business tools—especially through its Ink Business card family.
- American Express (Amex): Offers premium cards with strong travel and business rewards. Great for established business owners seeking high-end perks and Amex-exclusive benefits.
- Capital One: Known for simple flat-rate rewards and no foreign transaction fees. Their Spark® business cards are popular with companies seeking predictability.
- Discover: Offers straightforward rewards, no annual fees, and strong U.S.-based customer service—ideal for newer or smaller businesses building credit.
- Bank of America: Provides tailored business solutions with Preferred Rewards benefits for loyal clients and competitive APRs on certain business cards.
Major Bank Credit Cards
Business cards from major banks like Chase, American Express, and Capital One come with strong security, detailed expense tracking, and tiered or flat-rate rewards. They’re great for business owners who want to leverage their spending into cash back or travel rewards, often with 0% intro APR offers and bonus categories that match business expenses.
Chase Ink Business Credit Cards
The Chase Ink Business card suite includes three standout options—Ink Business Cash®, Ink Business Unlimited®, and Ink Business Preferred®—each designed to support different spending styles and business goals. Whether you’re looking for high-value rewards or easy cash back with no annual fee, Chase Ink has a card that fits.
Fintech or Online-Only Credit Card Issuers
Fintech companies like Brex, Divvy, and Ramp are offering credit lines to U.S. businesses using revenue or bank data instead of personal credit checks. These cards often come with no fees, real-time spend controls, and integrated software tools—but may lack the travel and reward perks of traditional issuers like Chase.
Secured Credit Cards for Building Credit
Business owners with limited credit history might start with a secured card. These require a refundable deposit but help establish business credit. Options like the Wells Fargo Business Secured or Bank of America Secured Business Card report to commercial bureaus and offer basic perks for responsible usage.
Retail Store Credit Cards
Business store cards from retailers like Staples or Amazon Business may offer decent discounts but usually lock you into store-specific perks. They tend to have higher APRs and fewer flexible rewards than cards like those in the Chase Ink lineup. Best used in combination with a general-purpose business card.
How Credit Cards Impact Your Finances and Credit Score in the US
In the U.S., business credit cards like Chase Ink can affect both business and personal finances. Keeping your credit utilization ratio low is critical for maintaining a healthy FICO® score if you’re personally guaranteeing the card. On-time payments help build both business and personal credit histories, while high balances can lead to compound interest charges and increase your debt-to-income ratio (DTI). Tools like balance transfers may not be as common on business cards, but managing employee spending, leveraging purchase protections, and understanding card perks can improve financial outcomes. Be cautious about multiple hard inquiries—especially if your personal credit is being checked. Always review the cardholder agreement and aim to pay balances in full to avoid interest and protect your cash flow.
