Small business account for 90% of the entire United States workforce. These employers are often entrepreneurs who are juggling everything from marketing, sales, human resources and finances. The good news is that in 2021 the options are abundant for business owners who are searching for a great credit card to use in their daily operations. Whether you are searching for a card that offers cash back rewards, travel points or business perks that may include deals on business expenses the options for business owners has never been better.

top business credit cardsbest credit cards 2021

Our team is constantly reviewing promotions from leading credit card companies including American Express, Chase, Citigroup, Capital One and Bank of America. Business owners searching for top card offers should consider their unique operational goals, including how often they are utilizing credit cards and their ability to pay off their balance in full each month. Some owners may decide that a credit card that offers cash back at the end of each year is ideal as a way to have additional funds in their operational budget. Many small business owners love using rewards based credit cards that accumulate points, such as the Capital One® Spark® Miles for Business or the Ink Business Preferred℠ Credit Card both cards of these cards remain ultra popular with business owners in 2021!

Top Small Business Credit Cards In 2021

American Express Cards

Amex EveryDay® Credit Card
American Express® Green Card
Blue Cash Everyday® Card
Blue Cash Preferred® Card
Gold Delta SkyMiles® Credit Card
Hilton HHonorsTM Card from American Express
Platinum Card® from American Express
Platinum Delta SkyMiles® Credit Card
Premier Rewards Gold Card

Bank of America

BankAmericard Cash Rewards™
BankAmericard Travel Rewards®
BankAmericard® Better Balance Rewards™
BankAmericard Cash Rewards™ Students
MLB® credit card
Royal Caribbean®
Susan G. Komen®

Barclay Credit Cards

Barclaycard Arrival Plus™ World Elite MasterCard®
Barclaycard CashForward™ Mastercard
Barclaycard Rewards MasterCard®
Barclaycard Ring MasterCard®
Barclaycard Visa® with Apple Rewards Card
Hawaiian Airlines® Business MasterCard®

Capital One

Journey® Student Rewards
Quicksilver® Rewards
QuicksilverOne® Rewards
Spark® cash back rewards
Spark® miles rewards
Venture® Rewards
VentureOne® Rewards

Chase Rewards
Chase Freedom
Chase Ink Cash
Chase Ink Plus
Chase Sapphire Preferred
Chase Slate
Disney Premier Visa
Marriott Rewards
The Ritz-Carlton Rewards
Southwest Airlines
United MileagePlus


Citi® / AAdvantage® Platinum Select® MasterCard®
Citi® / AAdvantage® Gold MasterCard®
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
Citi® Diamond Preferred® Card
Citi® Double Cash Card
Citi® Hilton HHonorsTM Visa Signature®
Citi Prestige® Card
Citi Simplicity® Card
Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card for College Students


PenFed Premium Travel Rewards American Express® Card
PenFed Platinum Rewards VISA Signature® Card
PenFed Promise Visa® Card
PenFed Gold Visa® Card

Read Full Reviews or Apply Online For A Top Rated Card

Still searching, perhaps you can get some tips from this great video provided by RateHub a comparison and informative site that helps consumers make good finance decisions.

Consider A Cash Back or Rewards Points Credit Card Offer For 2021

There are lots of cash back cards with variable APR interest rate. Only a few of them are popular among consumers. You can see the full list of cash back cards with variable APR by going to the credit card comparison site like Bankrate, NerdWallet or The following are some of the most popular cash back credit cards.

Chase Freedom
Chase Freedom offers 5% cash back on rotating categories up to $1,500 and unlimited 1% cash back on everything else. You earn a $150 signup bonus after spending $500 in the first 3 months and another $25 bonus when you add the first authorized user in the same period. It features a 15 months zero percent intro promo and a variable APR in between 15.99% – 24.74%.

U.S. Bank Cash Plus Visa Signature Card
U.S. Bank Cash Plus Visa Signature Card is the best cash back card of all. It provides a 5.5% cash back up to $2,000 spending limit on two rotating categories in the first year and then 5% cash back in the second year. They also reward you with a 2.5% cash back in the first year when you use the card for everyday expenses and then 2% in the second year. Even if you use the card to shop other things, you still get to earn a 1.5% cash back. It does not put any restriction on the total cash back earned.

Citi Double Cash Card
Citi Double Cash Card offers 1% cash back on purchases plus another 1% cash back after you pay off the balance. It does not put any cap on how much cash back you can earn and there is no restriction on the categories. The card also come with 18 months balance transfer offer.

Blu Cash Preferred Card by American Express

Blu Cash Preferred Card by American Express offers a $200 signup bonus for cardholders who spend $1,000 in purchases in the first 3 months. The card features a 12 months 0% intro promo on both purchases and balance transfer. You earn 6% cash back at U.S. supermarket up to $6,000 each year. You can also earn 3% cash back on gas purchases. You earn 1% cash back on everything else.

Well Fargo Cash Wise Visa Card

Well Fargo Cash Wise Visa Card offers $200 signup bonus for spending $1,000 within the first 3 months. You can earn unlimited 1.5% cash back on purchases. It gives you the potential to earn 1.8% cash back when you shop through Apple Pay and Android Pay. The card also offer $600 coverage on damage and theft for cell phones.