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Best Credit Cards
for Startups and New Businesses


Getting Funding for Your Startup

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Starting a new business can be an exciting but challenging endeavor. One of the key aspects of managing a successful startup is effectively managing your finances. As a new business owner, having access to the right credit card can provide you with valuable financial tools and benefits. In this article, we will explore some of the best credit cards available for startups and new businesses.

Chase Ink Business Preferred

According to Nerdwallet, the Chase Ink Business Preferred credit card is a popular choice among startups and new businesses. It offers a generous sign-up bonus, a rewards program, and various travel benefits. Cardholders can earn points on their purchases and redeem them for travel, gift cards, or cash back. Additionally, this card provides essential business features such as employee cards, expense management tools, and purchase protection.

American Express Business Gold Card

The American Express Business Gold Card is designed to cater to the needs of small businesses. It offers flexible rewards options, allowing you to earn Membership Rewards points on eligible purchases. The card also provides additional benefits such as purchase protection, extended warranty, and access to the American Express Global Lounge Collection. Furthermore, it offers expense management tools and the ability to add employee cards with customizable spending limits.

Capital One Spark Cash for Business

The Capital One Spark Cash for Business credit card is an excellent choice for startups and new businesses that prioritize cashback rewards. It offers unlimited 2% cashback on all purchases, providing a straightforward and hassle-free way to earn rewards. The card also comes with additional benefits like free employee cards, fraud coverage, and no foreign transaction fees.

CitiBusiness/AAdvantage Platinum Select Mastercard

If your startup involves frequent travel, the CitiBusiness/AAdvantage Platinum Select Mastercard can be a valuable asset. This card is designed for businesses that frequently fly with American Airlines and its partners. Cardholders earn AAdvantage miles on their purchases, which can be redeemed for flights, upgrades, and other travel-related expenses. The card also provides travel benefits such as a free checked bag, preferred boarding, and in-flight discounts. Do yourself a favor and check out iSelect credit card to compare plans.

Capital One Spark Classic for Business

For startups with a limited credit history or less-than-perfect credit, Forbes explains the Capital One Spark Classic for Business credit card can be a viable option. This card is designed to help businesses build credit while enjoying some rewards. It offers 1% cashback on all purchases and provides access to valuable business tools and resources. By using this card responsibly, startups can establish a positive credit history and potentially qualify for better credit card options in the future.

Wells Fargo Business Secured Credit Card

If you're looking to establish or rebuild your credit, the Wells Fargo Business Secured Credit Card is a suitable choice. It requires a security deposit but allows you to earn rewards on your purchases. This card can be a valuable tool for startups that need to build credit history and demonstrate responsible credit management. As you use the card responsibly, you may qualify for a higher credit limit and eventually transition to an unsecured credit card.



In conclusion, choosing the right credit card for your startup or new business is essential to manage your finances effectively and maximize your benefits. The credit cards mentioned above offer various rewards programs, business features, and benefits tailored to the needs of startups. Consider your business requirements, spending patterns, and financial goals when selecting the best credit card that suits your needs. By using a suitable credit card wisely, you can enhance your cash flow, earn rewards, and lay a strong foundation for your business's financial success.





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