The top Visa business credit cards for August 2024.

While choosing a credit card for your business or side hustle, it's important to consider not only the rewards and benefits but also the card issuer and payment network. Many top business cards operate on the Visa payment network, providing high acceptance from vendors and access to additional benefits such as the Visa SavingsEdge program.

Our analysis of the best visa business credit cards has identified top options for intro-APR offers and cash-back rewards. (For details on our selection process, see our methodology.)

Best for no annual fee

This credit card is ideal for those seeking a Visa card with a strong rewards rate and no annual fee.

The Ink Business Unlimited card offers a higher cash-back rate of 1.5% on all purchases, which is 50% more than most other business cash-back cards (excluding special bonus categories).

Best for welcome bonus

This credit card is suitable for businesses seeking to earn travel rewards and receive a substantial welcome bonus.

The Ink Business Preferred Card offers exceptional rewards for business owners, earning 3X Chase Ultimate Rewards® points on shipping, travel, advertising (including social media and search engines), and internet, cable, and phone services. This elevated rewards rate applies to the first $150,000 in combined purchases each account anniversary year.

Best for domestic flights

If your business travels frequently across the U.S., the Southwest Rapid Rewards® Performance Business Credit Card will be a valuable addition to your wallet.

The Southwest Performance Business Card offers numerous advantages that will help you save money on Southwest flights. You will receive four upgraded boardings annually (when available), 365 in-flight Wi-Fi credits each 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

Business owners seeking interest-free financing to expand their operations will benefit greatly from the U.S. Bank Business Platinum package.

Opening a U.S. Bank Business Platinum account offers an intro 0% APR on purchases for 18 billing cycles, followed by a variable APR of 17.24% to 26.24%. This extended payment period provides significant flexibility for investing in your business.

Best for cash back

This credit card is ideal for those seeking straightforward rewards, low costs, and numerous useful features.

The U.S. Bank Triple Cash Rewards Visa Business Card offers an intro 0% APR on purchases for 12 billing cycles, followed by a variable 19.24% to 28.24% APR. This 0%-APR offer is exceptional, but it is even more impressive when you consider the card's welcome bonus and cash-back earnings rate.

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Ink Business Unlimited® Credit Card

The Ink Business Unlimited Credit Card offers a lot of value for having no annual fee, as it is a cash-back business card.

Rewards

Through March 31, 2025, you can receive 5% cash back on Lyft rides.
1.5% cash back on all other purchases

Welcome bonus

After opening the account, you will receive a $750 cash bonus after spending $6,000 on purchases within the first three months.

Annual fee

Notable perks

An intro 0% APR on purchases for 12 months is available with a new Ink Business Unlimited card. After the intro APR ends, a variable 18.49% to 24.49% APR applies. This offer could save you hundreds on interest, in addition to a hefty welcome bonus.

Employees can receive insurance benefits for no additional cost by adding employee cards.

Extended warranty protection
Rental car collision coverage
Travel and emergency assistance services

You can convert the cash back you earn with this card into transferrable Chase Ultimate Rewards® points, which can be used with eligible Ultimate-Rewards cards like the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card. This allows you to convert 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

A high welcome bonus offer and a reasonable annual fee make the Ink Business Preferred® Credit Card a popular choice for business rewards.

Rewards

5X points on Lyft rides (through March 31, 2025)
Each account anniversary year, customers receive 3X points on the first $150,000 in combined purchases in the categories of shipping, advertising (with select social media sites and search engines), travel, internet, cable and phone services.
1X points on all other purchases

Welcome bonus

After three months of account opening, you will receive 120,000 bonus points upon spending $8,000 on purchases.

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

The card offers protections for employee cards and does not charge foreign transaction fees, making it a suitable choice for business travel.

The best feature of this card is that it enables the transfer of Chase Ultimate Rewards points to over a dozen partner travel loyalty programs at a 1:1 ratio, including airline and hotel programs such as Marriott Bonvoy, British Airway Executive Club, Emirates Skywards, World of Hyatt, Southwest Rapid Rewards and more.

You can increase the value you receive by taking advantage of the best redemption options for 14 different airline and hotel loyalty programs, which allows you to book everything from luxury hotels to posh business-class flights.

The Ink Business Preferred credit card offers a 25% increase in value when using points to book travel through Chase TravelSM.

Southwest Rapid Rewards® Performance Business Credit Card

The Southwest Rapid Rewards® Performance Business Credit Card is the airline's premium business card that helps fast-track qualifying for a Southwest Companion Pass. Earning points for spending with this card, including the welcome bonus, contributes to qualifying for the Companion Pass.

Rewards

4X points on Southwest® purchases
3X points on Rapid Rewards® hotel and car rental partners
Advertising on social media and search engines, as well as internet, cable, and phone services, earns 2X points.
2X points on local transit and commuting (including rideshares)
1X points on all other purchases

Welcome bonus

You can earn a total of 120,000 points by spending $5,000 in the first three months and an additional $15,000 in nine months.

Annual fee

$199

Notable perks

Justifying the $199 annual fee of the Southwest Rapid Rewards card is easy for frequent flyers. With the card, you receive 9,000 bonus points every year after your anniversary, worth approximately $126 in Southwest flights. Additionally, you get four upgraded boardings per year (when available), which typically cost between $30 to $149 per person per segment. You also receive up to 365 in-flight Wi-Fi credits per year, worth $8 each. When transferring points and paying with the card, you receive up to $500 in fee credits each year to cover the cost of these transfers. Furthermore, the card offers a Global Entry or TSA PreCheck application fee credit every four years to speed through airport security.

Earning elite status with Southwest is possible without flying, as you can earn 1,500 tier qualifying points (TQPs) for every $5,000 spent in a calendar year with this card. There is no limit to the number of TQPs you can earn.

You can add employee cards for no additional fee and there are no foreign transaction fees.

U.S. Bank Business Platinum

While the U.S. Bank Business Platinum does not provide rewards or special benefits, it can help you avoid high interest rates for an extended period.

Rewards

None

Welcome bonus

None

Annual fee

Notable perks

As a new cardholder, you can enjoy a 0% intro APR on purchases for the first 18 billing cycles, which is one of the best intro APR offers available for a small business credit card. After the intro APR expires, the standard variable APR of 17.24% to 26.24% applies. Additionally, there is no annual fee.

U.S. Bank Triple Cash Rewards Visa® Business Card

The U.S. Bank Triple Cash Rewards Visa® Business Card offers a no annual fee, an excellent welcome bonus, and intro-APR, while providing 3% cash-back rewards on various purchases.

Rewards

Booking prepaid hotels and car rentals through the Travel Rewards Center earns you 5% cash back.
3% cash back at gas and EV charging stations
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

After opening the account, spend $6,000 on the card and earn $750 cash back within 180 days.

Annual fee

Notable perks

A 0% APR introductory rate on purchases applies for 12 billing cycles after account opening, followed by a variable APR of 19.24% to 28.24%.

To receive a $100 software subscription credit annually, you must make 11 consecutive monthly payments to an eligible software provider, such as QuickBooks or FreshBooks.

How does the Visa SavingsEdge program work?

Visa business cardholders can earn cash back and discounts through the Visa SavingsEdge program.

To earn rewards through these deals, you must create an account and link your eligible Visa business cards. You can earn rewards in three ways: online purchases, in-store purchases, and instant coupons.

To receive a statement credit after making a qualifying purchase through a merchant on the Visa SavingEdge shopping portal, you'll need to click through the site and use your Visa card.

With this program, you can easily use in-store offers by paying at a participating merchant with a linked card and receiving a statement credit in the future. Additionally, you can use instant coupons by applying coupon codes at checkout.

Why trust CNBC Select?

Our mission at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each of our business credit card articles is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of credit card products. At CNBC Select, we take pride in our journalistic standards and ethics, and we ensure that all our content is created without any input from our commercial team or external third parties. To learn more about our methodology and how we select the best Visa business credit cards, please refer to our methodology page.

Our methodology

CNBC Select evaluated visa credit cards from FDIC-insured banks and NCUA-insured credit unions, which are widely accessible in the U.S., to determine the top options.

We compared each credit card based on various features, including rewards, annual fees, introductory and standard APR, balance transfer fees, and foreign transaction fees. Additionally, we evaluated the card's ongoing travel or merchant statement credits, cardholder protections, ease of application, and redemption process. We also took into account CNBC Select audience data, such as demographics and engagement with our content and tools.

We utilized Esri's consumer spending data forecasts to determine where U.S. consumers spend the most money, such as on dining and travel, to help us determine the most valuable bonus categories for our rewards program. Additionally, we considered the transferability and cash-back redemption options when determining the value of points or miles.

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