Credit Needed
Fair Credit
Intro Bonus
None
Annual Fee
$0
Regular APR
16.74%-25.74% Variable
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top business cards of August 2025
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Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.
American Health & Wealth' top business cards of August 2025
Connexus Credit Union Visa® Business Card
Product Details
Highlights
- Extended low intro rate- save on interest with a great low introductory rate for an extended time.
- Protecting your peace of mind - benefits like zero fraud liability help defend your business.
- Free employee cards- keep track of employee expenses while earning as many rewards as possible.
Product Details
-
Issuer Name
Connexus Credit Union
-
Credit Needed
Fair Credit
-
Annual Fee
$0
-
Regular APR
16.74%-25.74% Variable
-
Penalty APR
31.99
-
Balance Transfer Fee
$3
-
Cash Advance Fee
$4
-
Foreign Transaction Fee
$3
Our Take
Pros
- Qualify with average credit
- No annual fee
- Intro APR period on Purchases and Balance Transfers
Cons
- No rewards
Delta SkyMiles® Gold Business American Express Card
Credit Needed
Good Credit
Intro Bonus
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Annual Fee
$0 intro for the first year, then $150
Regular APR
19.99%-28.99% Variable APR
Product Details
Highlights
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
- View Rates and Fees
Product Details
-
Issuer Name
American Express
-
Credit Needed
Good Credit
-
Annual Fee
$0 intro for the first year, then $150
-
Regular APR
19.99%-28.99% Variable APR
-
Penalty APR
29.99
-
Cash Advance Fee
$3
Our Take
Pros
- Annual fee waived for first year
- New cardholder bonus offer
- Generous free checked bag benefit
- Early boarding
- Annual flight credit (terms apply)
Cons
- Limited reward redemption options
- Does not include lounge access or automatic elite status
Delta SkyMiles® Reserve Business American Express Card
Credit Needed
Good Credit
Intro Bonus
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Annual Fee
$650
Regular APR
19.99%-28.99% Variable APR
Product Details
Highlights
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
- When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
- View Rates and Fees
Product Details
-
Issuer Name
American Express
-
Credit Needed
Good Credit
-
Annual Fee
$650
-
Regular APR
19.99%-28.99% Variable APR
-
Penalty APR
29.99
-
Cash Advance Fee
$3
Our Take
Pros
- High rewards rate
- New cardholder bonus offer
- Generous free checked bag benefit
- SkyClub and Centurion Lounge membership (terms apply)
- Companion pass benefit
Cons
- High annual fee
- Limited reward redemption options
Alaska Airlines Visa® Business card
Credit Needed
Excellent Credit
Intro Bonus
Get 50,000 bonus miles, $100 statement credit and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
Annual Fee
$70 for the company and $25 per card
Regular APR
20.24%-28.24% Variable APR
Product Details
Highlights
- Get 50,000 bonus miles and Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of opening your account.
- Earn another Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.
- Free checked bag for any cardholder and up to 6 guests on the same reservation, when you pay for your flight with your card – that’s a savings of $60 per person roundtrip!
- Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.
- Earn 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, EV charging station, shipping and local transit (including rideshare) purchases and 1 mile for every $1 spent on all other purchases.
- Earn a 10% rewards bonus on all miles earned from card purchases if your company has an eligible Bank of America® small business account.
- Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
- Get $100 off an annual Alaska Lounge+ Membership purchased with your Alaska Airlines Business card.
- Plus, no international transaction fees and a low annual fee of $70 for the company and $25 per card.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Product Details
-
Issuer Name
Bank of America
-
Credit Needed
Excellent Credit
-
Annual Fee
$70 for the company and $25 per card
-
Regular APR
20.24%-28.24% Variable APR
-
Penalty APR
29.99
-
Balance Transfer Fee
$4
-
Cash Advance Fee
$4
Our Take
Pros
- Companion benefit
- Free checked bag
Cons
- Requires excellent credit
- Has annual fee
- Rewards have limited flexibility
Amazon Business American Express Card
Credit Needed
Good Credit
Intro Bonus
Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card. Terms Apply.
Annual Fee
$0
Regular APR
18.49%-26.49% Variable APR
Product Details
Highlights
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. Earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- You choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
- View Rates and Fees
Product Details
-
Issuer Name
American Express
-
Credit Needed
Good Credit
-
Annual Fee
$0
-
Regular APR
18.49%-26.49% Variable APR
-
Penalty APR
29.99
-
Cash Advance Fee
$3
Our Take
Pros
- No annual fee
- No foreign transaction fees
- Bonus categories
Cons
- Requires good/excellent credit
- Spending caps on bonus rewards
Amazon Business Prime American Express Card
Credit Needed
Good Credit
Intro Bonus
Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card. Terms Apply.
Annual Fee
$0
Regular APR
18.49%-26.49% Variable APR
Product Details
Highlights
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- No Annual Fee¤
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
- View Rates and Fees
Product Details
-
Issuer Name
American Express
-
Credit Needed
Good Credit
-
Annual Fee
$0
-
Regular APR
18.49%-26.49% Variable APR
-
Penalty APR
29.99
-
Cash Advance Fee
$3
Our Take
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
American Express® Business Gold Card
Credit Needed
Good Credit
Intro Bonus
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Annual Fee
$375
Regular APR
18.49%-27.49% Variable APR
Product Details
Highlights
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
- View Rates and Fees
Product Details
-
Issuer Name
American Express
-
Credit Needed
Good Credit
-
Annual Fee
$375
-
Regular APR
18.49%-27.49% Variable APR
-
Penalty APR
29.99
Our Take
Pros
- Transfer partners
- New cardholder bonus offer
- Intro APR period
- High reward rate in bonus categories
Cons
- High annual fee
- Complicated rewards
- Spending caps on bonus rewards
Capital One Venture X Business
Credit Needed
Excellent Credit
Intro Bonus
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Annual Fee
$395
Regular APR
N/A
Product Details
Highlights
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
- With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- This is a pay-in-full card, so your balance is due in full every month
Product Details
-
Issuer Name
Capital One
-
Credit Needed
Excellent Credit
-
Annual Fee
$395
-
Regular APR
N/A
-
Cash Advance Fee
$5
Our Take
Pros
- High rewards rate
- New cardholder bonus offer
- Priority Pass lounge membership
- Annual travel credit, bonus points
- Statement credit for Global Entry, TSA PreCheck®
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Credit Needed
Excellent Credit
Intro Bonus
Get a $300 online statement credit after you make at least $3,000 in net purchases in the first 90 days of your account opening - with no annual fee and cash rewards don't expire as long as your account remains open.
Annual Fee
$0
Regular APR
17.49%-27.49% Variable APR
Product Details
Highlights
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Product Details
-
Issuer Name
Bank of America
-
Credit Needed
Excellent Credit
-
Annual Fee
$0
-
Regular APR
17.49%-27.49% Variable APR
-
Balance Transfer Fee
$4
-
Cash Advance Fee
$4
-
Foreign Transaction Fee
$3
Our Take
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Credit Needed
Excellent Credit
Intro Bonus
Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Annual Fee
$0
Regular APR
17.49%-27.49% Variable APR
Product Details
Highlights
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Product Details
-
Issuer Name
Bank of America
-
Credit Needed
Excellent Credit
-
Annual Fee
$0
-
Regular APR
17.49%-27.49% Variable APR
-
Balance Transfer Fee
$4
-
Cash Advance Fee
$4
Our Take
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits