{"source":"CiteHawk AI Index","record":"business credit cards — 2026-10","url":"https://www.citehawk.com/leaderboards/editions/2026-10/business-credit-cards/us","immutable":true,"snapshotId":"d2b18226-eb6e-4da9-a1f9-885d207f75da","capturedAt":"2026-10-03T04:57:48.465+00:00","contentHash":"6a49e841f6baef6da328f77b4c47db97c549348bbf60ec90084ae4ce61b5186e","contentHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON array (no whitespace, non-ASCII characters unescaped, as JavaScript JSON.stringify emits) of [provider, run, model, text] tuples, one per captured answer, sorted by provider then run","registryRulesHash":"043102d8d3162d07dda4892d375b4134e63a3cd6117ae53e2da6de4cd595ce2e","registryRulesHashSpec":"sha256-v1: hex SHA-256 of the UTF-8 bytes of the compact JSON object {version, aliases, notInCategory, categoryAllow, serviceSlugRe} where aliases is the array of [foldedKey, canonicalName, pinnedDomain, categoryScope] tuples sorted by key, carrying a fifth regionScope element only on the entries that have one, notInCategory and categoryAllow are arrays of [categorySlug, domains] tuples sorted by slug, and every domain/scope list is itself sorted, carrying a trailing notInCategoryByRegion element, an array of [categorySlug, region, domains] triples sorted by slug then region, only when at least one region-scoped deny entry exists, and after it a trailing notInCategoryByName element, an array of [categorySlug, regionScope, names] triples sorted by slug then scope (regionScope \"*\" for every board region, names as published), only when at least one name-scoped deny entry exists","region":"us","prompt":"What are the best business credit cards in the United States? Recommend the top brands or products that people actually use.\n\nAnswer as if the user is in the United States.","providers":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio","google_ai_mode"],"models":{"grok":"grok-4.3","claude":"claude-sonnet-5","gemini":"gemini-3.5-flash","openai":"gpt-5.5-2026-04-23","deepseek":"deepseek-flash","google_aio":"google_aio","perplexity":"sonar","bing_copilot":"bing_copilot","google_ai_mode":"google_ai_mode"},"runsPerProvider":1,"totalCalls":18,"ranking":[{"rank":1,"brand":"Chase","domain":"chase.com","entityId":"09e9b493-d98e-4a6b-9dee-14262c6e2de0","score":66.1,"mentions":9,"recommendedBy":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio","google_ai_mode"],"averagePositionByProvider":{"grok":1,"claude":1,"gemini":1,"openai":1,"deepseek":1,"google_aio":1,"perplexity":2,"bing_copilot":2,"google_ai_mode":1}},{"rank":2,"brand":"American Express","domain":"americanexpress.com","entityId":"3c3a9f61-0727-4c8b-89ef-76ba6fd63608","score":60.9,"mentions":9,"recommendedBy":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio","google_ai_mode"],"averagePositionByProvider":{"grok":3,"claude":4,"gemini":2,"openai":2,"deepseek":2,"google_aio":2,"perplexity":1,"bing_copilot":1,"google_ai_mode":2}},{"rank":3,"brand":"Capital One","domain":"capitalone.com","entityId":"a4f85970-a63e-4afa-8082-ea74c22f1fc7","score":60.1,"mentions":10,"recommendedBy":["openai","claude","gemini","perplexity","deepseek","grok","bing_copilot","google_aio","google_ai_mode"],"averagePositionByProvider":{"grok":2,"claude":9,"gemini":3,"openai":3,"deepseek":3,"google_aio":3,"perplexity":3,"bing_copilot":3,"google_ai_mode":6}},{"rank":4,"brand":"Ramp","domain":"ramp.com","entityId":"60bf2297-5a53-464f-99fd-94edc470c96f","score":42.5,"mentions":6,"recommendedBy":["openai","deepseek","grok","claude","google_ai_mode"],"averagePositionByProvider":{"grok":8.5,"claude":16,"openai":6,"deepseek":7,"google_ai_mode":10}},{"rank":5,"brand":"Brex","domain":"brex.com","entityId":"202d6a6d-8caa-4b19-931b-b654c11a48cf","score":42.4,"mentions":6,"recommendedBy":["openai","claude","deepseek","grok","google_aio"],"averagePositionByProvider":{"grok":9.5,"claude":17,"openai":7,"deepseek":8,"google_aio":9}},{"rank":6,"brand":"U.S. Bank","domain":"usbank.com","entityId":"b7c7a735-92d9-4a87-8f13-a90b0855356c","score":36.4,"mentions":5,"recommendedBy":["openai","claude","perplexity","deepseek","bing_copilot"],"averagePositionByProvider":{"claude":15,"openai":4,"deepseek":4,"perplexity":4,"bing_copilot":5}},{"rank":7,"brand":"Bank of America","domain":"bankofamerica.com","entityId":"892e06fe-e5a1-44da-bf8c-4d574ae76cf7","score":35.7,"mentions":5,"recommendedBy":["openai","claude","deepseek","grok","bing_copilot"],"averagePositionByProvider":{"grok":19,"claude":13,"openai":5,"deepseek":5,"bing_copilot":4}},{"rank":8,"brand":"Wells Fargo Signify Business Cash Card","domain":"wellsfargo.com","entityId":"adcfb207-4024-41b2-b61d-f077dec0b8df","score":14.6,"mentions":2,"recommendedBy":["claude","grok"],"averagePositionByProvider":{"grok":18,"claude":14}}],"answers":[{"provider":"bing_copilot","run":1,"model":"bing_copilot","capturedAt":"2026-10-03T04:57:48.471Z","text":"The top business credit cards in the U.S. come from major issuers like American Express, Chase, Capital One, Bank of America, and U.S. Bank, with standout products including the Amex Business Platinum, Amex Business Gold, Chase Ink Business line, Capital One Spark and Venture X Business, and U.S. Bank Triple Cash Rewards.\n\nBelow is a structured guide to the most widely recommended and commonly used business credit cards, based on expert evaluations from NerdWallet, Upgraded Points, and Forbes.\n\n🏆 Most Popular & Widely Recommended Business Cards\n\nThese cards consistently appear across all three sources as top-tier options.\n\nAmerican Express® Business Platinum Card\n\nBest for: Premium travel perks and airport lounge access\nWhy it’s popular: Extensive lounge network, elite status with hotel and rental car partners, large welcome offers 2 .\nWho uses it: Frequent business travelers and companies that value premium benefits.\n\nAmerican Express® Business Gold Card\n\nBest for: High rewards on business spending\nWhy it’s popular: Automatically earns 4X points on your top two spending categories each month (up to $150k/year) 1 .\nWho uses it: Businesses with heavy spend in advertising, shipping, travel, or tech services.\n\nChase Ink Business Preferred® Credit Card\n\nBest for: Travel rewards and strong bonus categories\nWhy it’s popular: High-value points, low annual fee, and excellent travel protections 1 .\nWho uses it: Small businesses wanting flexible travel rewards.\n\nChase Ink Business Cash® & Ink Business Unlimited®\n\nBest for: No-annual-fee rewards\nWhy they’re popular:\nInk Cash: Up to 5% cash back in office supply and telecom categories 1 .\nInk Unlimited: Simple 1.5% cash back with no caps 2 .\nWho uses them: Startups, freelancers, and cost-conscious businesses.\n\nCapital One Venture X Business\n\nBest for: Flat-rate travel rewards\nWhy it’s popular: At least 2X miles on all purchases, lounge access, and a large welcome offer 2 .\nWho uses it: Businesses wanting premium travel perks without category tracking.\n\nCapital One Spark Cash / Spark Cash Select\n\nBest for: Unlimited cash back\nWhy they’re popular:\nSpark Cash: Strong cash-back rate and no foreign transaction fees 1 .\nSpark Cash Select: No annual fee and unlimited 1.5% cash back 2 .\nWho uses them: Businesses wanting simple, predictable cash rewards.\n\nU.S. Bank Triple Cash Rewards Visa® Business Card\n\nBest for: Intro APR + uncapped bonus categories\nWhy it’s popular: Long intro APR on purchases and balance transfers, 3% back on gas, office supplies, and more 2 .\nWho uses it: Businesses needing financing flexibility.\n\n💳 Other Highly Rated Cards People Use\n\nBank of America Business Advantage Unlimited Cash Rewards\n\nBest for: Up to 75% cash-back boost with Preferred Rewards for Business 1 .\n\nSapphire Reserve for Business℠\n\nBest for: Premium travel with Chase ecosystem\nWhy it’s notable: Lounge access, high earnings on Chase Travel bookings, and over $3,000 in annual credits 1 .\n\nWells Fargo Signify Business Cash®\n\nBest for: Unlimited 2% cash rewards with no annual fee 1 .\n\n✅ How to Choose Among These Cards\n\nMatch the card to your business priorities:\n\nTravel-heavy businesses: Amex Business Platinum, Venture X Business, Sapphire Reserve for Business\nHigh everyday spending: Amex Business Gold, Spark Cash, Ink Unlimited\nLow-cost simplicity: Ink Cash, Ink Unlimited, Blue Business Plus (Amex) 1\nNeed financing: U.S. Bank Triple Cash Rewards\nBank loyalty perks: Bank of America Business Advantage cards\n\n📌 Quick Comparison Table\n\nCard | Best For | Key Strengths\nAmex Business Platinum | Premium travel | Lounge access, elite status, large credits 2\nAmex Business Gold | High business spend | 4X on top categories 1\nChase Ink Preferred | Travel rewards | Strong bonus categories, low fee 1\nInk Cash | No-fee rewards | Up to 5% back 1\nInk Unlimited | Simple cash back | 1.5% unlimited 2\n\nIf you want, I can help you narrow this list based on your business size, spending categories, travel habits, or whether you prefer cash back or points.","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Chase","domain":"chase.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"Bank of America","domain":"bankofamerica.com","position":4},{"name":"U.S. Bank","domain":"usbank.com","position":5},{"name":"NerdWallet","domain":null,"position":6},{"name":"Upgraded Points","domain":null,"position":7},{"name":"Forbes","domain":null,"position":8}]},{"provider":"claude","run":1,"model":"claude-sonnet-5","capturedAt":"2026-10-03T04:57:48.471Z","text":"Based on current rankings across major comparison sites (NerdWallet, Bankrate, CNBC, Creditcards.com, and U.S. News), here are the business credit cards that consistently show up as top picks — and the ones most small business owners actually carry:\n\n## 🏆 Most Widely Used / Overall Best\n\n**Chase Ink Business Unlimited®** – Consistently rated the top overall pick. It's described as the best overall business credit card. It has no annual fee and earns unlimited 1.5% cash back, making it a go-to for simplicity.\n\n**Chase Ink Business Cash® / Ink Business Preferred®** – Popular for bonus categories. The Cash card is noted for up to 5% cash back in bonus categories, while the Preferred is best for bonus category travel rewards and offers 1.5% cash back on every purchase with no category limits, plus 5% cash back on hotels and rental cars booked through Chase's portal.\n\n## 💳 American Express Business Line\n\nAmex is one of the most popular brands for business cards, especially among freelancers and travel-focused owners:\n- **The Business Platinum Card® from American Express** – Best for airport lounge access + travel credits.\n- **American Express® Business Gold Card** – Best for bonus categories that sync with your spending. It offers up to $545 in credits every year for eligible business purchases, with generous bonus rewards categories with high spending caps.\n- **Blue Business® Plus / Blue Business Cash®** – No-annual-fee options; the Plus card is best for AmEx membership points and the Cash version is best for new businesses.\n\n## ✈️ Capital One (Very Popular for Travel & Flat-Rate Cash Back)\n\n- **Capital One Spark Cash Plus** – Best business charge card with no preset spending limit.\n- **Capital One Spark Cash Select** – Best unlimited 1.5% cash back option.\n- **Capital One Venture X Business** – Considered the best business travel card overall, a favorite among entrepreneurs who travel often.\n\n## 🏦 Bank-Issued Favorites\n\n- **Bank of America® Business Advantage Unlimited Cash Rewards Mastercard** – Best for a cash-back boost (up to 75%) for Preferred Rewards members.\n- **Wells Fargo Signify Business Cash® Card** – Best for unlimited 2% cash back.\n- **U.S. Bank Triple Cash Rewards Visa® Business Card** – Best for intro APR period plus no cap on bonus categories.\n\n## 🚀 For Startups & Tech-Forward Businesses\n\nIf you're running a modern startup rather than a traditional small business, fintech corporate cards are increasingly popular:\n- **Ramp Card** – Rated best corporate card for expense management and automation.\n- **Brex** – A favorite among VC-backed startups, often cited as the best card for new businesses that need high limits without a personal guarantee.\n- **BILL Divvy Card** – A charge card integrated into the BILL expense platform, allowing business owners to apply without a personal guarantee and access credit limits up to $5 million.\n\n## Quick Recommendation by","extractedBrands":[{"name":"Chase Ink Business Unlimited","domain":"chase.com","position":1},{"name":"Chase Ink Business Cash","domain":"chase.com","position":2},{"name":"Chase Ink Business Preferred","domain":"chase.com","position":3},{"name":"American Express","domain":"americanexpress.com","position":4},{"name":"The Business Platinum Card from American Express","domain":"americanexpress.com","position":5},{"name":"American Express Business Gold Card","domain":"americanexpress.com","position":6},{"name":"Blue Business Plus","domain":"americanexpress.com","position":7},{"name":"Blue Business Cash","domain":"americanexpress.com","position":8},{"name":"Capital One","domain":"capitalone.com","position":9},{"name":"Capital One Spark Cash Plus","domain":"capitalone.com","position":10},{"name":"Capital One Spark Cash Select","domain":"capitalone.com","position":11},{"name":"Capital One Venture X Business","domain":"capitalone.com","position":12},{"name":"Bank of America Business Advantage Unlimited Cash Rewards Mastercard","domain":"bankofamerica.com","position":13},{"name":"Wells Fargo Signify Business Cash Card","domain":"wellsfargo.com","position":14},{"name":"U.S. Bank Triple Cash Rewards Visa Business Card","domain":"usbank.com","position":15},{"name":"Ramp Card","domain":null,"position":16},{"name":"Brex","domain":"brex.com","position":17},{"name":"BILL Divvy Card","domain":"bill.com","position":18}]},{"provider":"deepseek","run":1,"model":"deepseek-flash","capturedAt":"2026-10-03T04:57:48.471Z","text":"There’s no single “best” U.S. business credit card—it depends on whether you want cash back, travel points, 0% intro APR, airline/hotel perks, or spend controls. That said, the cards most commonly recommended and actually used by U.S. small businesses and startups come from **Chase, American Express, Capital One, U.S. Bank, Bank of America, Citi**, plus fintech corporate cards like **Ramp** and **Brex**.\n\n### Top business cards people actually use\n\n| Card | Best for | Annual fee | Why it’s popular |\n|---|---:|---:|---|\n| **Chase Ink Business Preferred** | Best overall travel/rewards | $95 | 3x on travel, shipping, internet/cable/phone, and advertising up to $150k/yr; points transfer to Chase travel partners; no foreign transaction fees |\n| **Chase Ink Business Cash** | Best no-annual-fee cash back | $0 | 5% on office supplies, internet/cable/phone up to $25k/yr; 2% on gas/restaurants up to $25k/yr; often has 0% intro APR |\n| **Chase Ink Business Unlimited** | Best simple no-fee flat-rate | $0 | 1.5% cash back on everything; often 0% intro APR; can pair with Ink Preferred to turn cash back into transferable points |\n| **Amex Blue Business Plus** | Best no-fee travel points | $0 | 2x Membership Rewards points on all purchases up to $50k/yr, then 1x; points transfer to Amex airline/hotel partners |\n| **Amex Blue Business Cash** | Best no-fee cash back | $0 | 2% cash back on all purchases up to $50k/yr, then 1%; simple and widely used |\n| **Amex Business Gold** | Best category rewards | ~$375 | 4x on your top 2 categories from airfare, advertising, gas, shipping, software/cloud, and restaurants up to $150k/yr |\n| **Amex Business Platinum** | Best premium travel | ~$695+ | 5x on flights/prepaid hotels via Amex Travel, airport lounge access, large statement credits; best if you travel a lot and use the perks |\n| **Capital One Spark Cash Plus** | Best high-spend cash back | $150 | 2% cash back on everything, 5% on hotels/rental cars via Capital One Travel; charge card, so pay in full |\n| **Capital One Venture X Business** | Best premium flat-rate travel | $395 | 2x miles on everything; 10x hotels/rental cars and 5x flights via Capital One Travel; $300 travel credit, lounge access, 10k anniversary miles |\n| **U.S. Bank Business Triple Cash** | Best no-fee + 0% APR | $0 | 3% on gas, restaurants, and office supplies; $100 annual software subscription credit; often 0% intro APR |\n| **Bank of America Business Advantage Unlimited Cash Rewards** | Best for BofA customers | $0 | 1.5% cash back base, up to 2.62% with Preferred Rewards for Business |\n| **Chase Ink Business Premier** | Best for large purchases | $195 | 2.5% on purchases of $5k+, 2% on all other purchases, 5% on travel through Chase |\n| **CitiBusiness AAdvantage Platinum Select** | Best for American Airlines loyalists | $99 | AA perks like free checked bag and preferred boarding; good if you fly AA often |\n| **Delta SkyMiles Business Amex** | Best for Delta loyalists | $99–$550 | Gold/Platinum/Reserve versions offer free checked bags, companion certificates, lounge access on higher tiers |\n| **United Business Card** | Best for United loyalists | $99 | Free checked bag, priority boarding, United spend bonuses |\n| **Marriott Bonvoy Business Amex** | Best hotel co-brand | $125 | Marriott points, free night award, elite night credits |\n| **Hilton Honors Business Amex** | Best Hilton co-brand | $195 | Hilton points, free night, Hilton Gold status |\n| **Amazon Business Prime American Express** | Best for Amazon/AWS spend | $0 | 5% back on Amazon Business and AWS with eligible Prime membership; strong for online-heavy businesses |\n| **Costco Anywhere Visa Business by Citi** | Best for Costco businesses | $0 with Costco membership | 4% gas, 3% restaurants/travel, 2% Costco, 1% everywhere else |\n| **Sam’s Club Business Mastercard** | Best for Sam’s Club businesses | $0 with Sam’s Club membership | Strong gas and Sam’s Club rewards |\n\n### Also widely used: fintech corporate cards\nMany startups and small businesses use **Ramp**, **Brex**, or **Divvy/Bill** instead of a traditional credit card. These are usually corporate charge/spend-management cards with virtual cards, spend controls, and accounting integrations. **Ramp** is especially popular for no annual fee and 1.5% cash back. **Brex** is common with venture-backed startups. Approval is based more on company finances, and some may still require a personal guarantee depending on the business.\n\n### If you want a short list\n- **Best overall for most small businesses:** Chase Ink Business Preferred  \n- **Best no-annual-fee everyday card:** Amex Blue Business Plus or Chase Ink Business Unlimited  \n- **Best high-spend cash back:** Capital One Spark Cash Plus  \n- **Best 0% intro APR / startup-friendly:** Chase Ink Business Unlimited or U.S. Bank Business Triple Cash  \n- **Best premium travel:** Amex Business Platinum or Capital One Venture X Business  \n- **Best loyalty card:** Delta/United/AA/Hilton/Marriott business card if you’re loyal to that brand  \n\nAnnual fees, welcome bonuses, credits, and APRs change often. Before applying, check the current terms directly with Chase, Amex, Capital One, U.S. Bank, Bank of America, or Citi. Also note: business cards generally have fewer consumer protections than personal cards, and many require a personal guarantee.","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"American Express","domain":"americanexpress.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"U.S. Bank","domain":"usbank.com","position":4},{"name":"Bank of America","domain":"bankofamerica.com","position":5},{"name":"Citi","domain":"citi.com","position":6},{"name":"Ramp","domain":null,"position":7},{"name":"Brex","domain":null,"position":8},{"name":"Amex Blue Business Plus","domain":"americanexpress.com","position":9},{"name":"Amex Blue Business Cash","domain":"americanexpress.com","position":10},{"name":"Amex Business Gold","domain":"americanexpress.com","position":11},{"name":"Amex Business Platinum","domain":"americanexpress.com","position":12},{"name":"Capital One Spark Cash Plus","domain":"capitalone.com","position":13},{"name":"Capital One Venture X Business","domain":"capitalone.com","position":14},{"name":"U.S. Bank Business Triple Cash","domain":"usbank.com","position":15},{"name":"Bank of America Business Advantage Unlimited Cash Rewards","domain":"bankofamerica.com","position":16},{"name":"Chase Ink Business Premier","domain":"chase.com","position":17},{"name":"CitiBusiness AAdvantage Platinum Select","domain":"citi.com","position":18},{"name":"Delta SkyMiles Business Amex","domain":"americanexpress.com","position":19},{"name":"United Business Card","domain":null,"position":20},{"name":"Marriott Bonvoy Business Amex","domain":"americanexpress.com","position":21},{"name":"Hilton Honors Business Amex","domain":"americanexpress.com","position":22},{"name":"Amazon Business Prime American Express","domain":"americanexpress.com","position":23},{"name":"Costco Anywhere Visa Business by Citi","domain":"citi.com","position":24},{"name":"Sam’s Club Business Mastercard","domain":null,"position":25},{"name":"Divvy/Bill","domain":null,"position":26}]},{"provider":"gemini","run":1,"model":"gemini-3.5-flash","capturedAt":"2026-10-03T04:57:48.471Z","text":"Selecting the right business credit card depends heavily on your business’s spending habits, whether you want simple cash back or transferable travel points, and how much you are willing to spend on annual fees. \n\nThe most popular, highly recommended business credit cards in the United States span across a few major financial institutions—primarily **Chase, American Express, and Capital One**. \n\n---\n\n### 1. Best for Simple, No-Fee Cash Back: **Chase Ink Business Unlimited®**\n*   **Annual Fee:** $0\n*   **Rewards:** Unlimited flat-rate 1.5% cash back on all business purchases.\n*   **Why people love it:** If you don't want to track spending categories or deal with travel portals, this is the most popular card on the market. It regularly features massive sign-up bonuses (often around $750 to $1,000 cash back or 75,000 to 100,000 Chase Ultimate Rewards points after meeting a spend threshold). It also comes with a 12-month 0% intro APR on purchases, which is excellent for financing early business startup costs.\n*   **Pro-Tip:** If you also hold a premium Chase card (like the Chase Sapphire Reserve® or Chase Ink Business Preferred®), you can combine your points and transfer them to Chase's valuable airline and hotel travel partners.\n\n### 2. Best for High-Value, No-Fee Travel Rewards: **American Express Blue Business® Plus**\n*   **Annual Fee:** $0\n*   **Rewards:** 2x Membership Rewards (MR) points per dollar on all eligible purchases up to $50,000 per calendar year, then 1x.\n*   **Why people love it:** This card is widely considered a staple in any \"Amex trifecta\" setup. It is the only no-annual-fee card that allows you to directly earn and transfer valuable Amex Membership Rewards points to transfer partners (like Delta, British Airways, and Marriott). For a small business or freelancer spending under $50,000 a year, it represents an unbeatable return on spend. \n*   *Note: If you prefer cash back over travel points, there is an identical sister card called the **Amex Blue Business Cash™**, which earns 2% cash back up to $50,000 per year instead of points.*\n\n### 3. Best for Flexible Spending Categories: **American Express® Business Gold Card**\n*   **Annual Fee:** $375\n*   **Rewards:** 4x Membership Rewards points on the top 2 categories where your business spends the most each billing cycle (up to $150,000 in combined purchases per calendar year, then 1x). \n*   **Eligible Categories:** U.S. advertising (including social media/Google ads), U.S. gas stations, transit, restaurants, software, and electronic goods.\n*   **Why people love it:** You don't have to choose your categories ahead of time; Amex's system automatically detects your highest spending categories and awards the 4x points on them. It also comes with a $240 Flexible Business Credit (divided into $20 monthly credits, enrollment required) and a Walmart+ membership credit. \n*   **Crucial Update:** The monthly $20 Flexible Business Credit replaced FedEx with **UPS**. You can now use the credit on U.S. purchases at UPS, Grubhub, or U.S. office supply stores.\n\n### 4. Best for Mid-Sized Businesses & Advertising: **Chase Ink Business Preferred®**\n*   **Annual Fee:** $95\n*   **Rewards:** 3x points per dollar on the first $150,000 spent in combined categories each account anniversary year.\n*   **Eligible Categories:** Shipping, social media/search engine advertising, internet/cable/phone services, and travel.\n*   **Why people love it:** It has a highly accessible annual fee and is a favorite for digital marketing agencies or e-commerce stores that spend heavily on online ads and shipping.\n*   **Crucial Update:** Chase has devalued transfers to World of Hyatt for the Ink Business Preferred (and Sapphire Preferred) to a **4:3 ratio**. To retain a 1:1 transfer ratio to Hyatt, you must transfer points through a premium card like the Chase Sapphire Reserve or Chase Sapphire Reserve for Business.\n\n### 5. Best Premium Travel Card for High Spenders: **Capital One Venture X Business**\n*   **Annual Fee:** $395\n*   **Rewards:** Unlimited 2x miles on every single purchase. 10x miles on hotels and rental cars, and 5x on flights booked through Capital One Travel.\n*   **Why people love it:** Unlike most business cards, this is a \"pay-in-full\" card with no preset spending limit, meaning your purchasing power dynamically adjusts to your spending habits and history. This makes it a powerhouse for large operations that put tens of thousands of dollars on their card each month. It easily offsets its annual fee with a **$300 annual Capital One Travel credit**, **10,000 anniversary bonus miles**, and unlimited access to Capital One and Priority Pass airport lounges.\n\n---\n\n### Do you need a registered LLC to get these?\nNo. Many people don't realize that **you can apply for a business credit card as a Sole Proprietor**. If you have a side hustle, sell items on eBay, tutor, freelance, or run an Airbnb, you have a business. \n\nWhen applying, simply select **\"Sole Proprietor\"** as your business type, use your **Social Security Number (SSN)** instead of an EIN, and use your legal name as the business name. Banks will evaluate your application using your personal credit score (ideally 670 or higher).","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"American Express","domain":"americanexpress.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"UPS","domain":null,"position":4}]},{"provider":"google_ai_mode","run":1,"model":"google_ai_mode","capturedAt":"2026-10-03T04:57:48.471Z","text":"When it comes to the top business credit cards in the U.S. that small business owners, freelancers, and startups actually use and rely on, a few major brands dominate: Chase, American Express, and Capital One.\n\nThe best card for you depends entirely on whether you want straightforward cash back, flexible travel rewards, or modern expense-management software.\n\nTop No-Annual-Fee Cash Back Cards\n\nInk Business Cash® Credit Card (Chase)\nBest for: Office supplies, internet, phone, and cable bills.\nWhy people use it: It earns an incredible $5\\%$ cash back on the first $\\$25,000$ spent in combined purchases each year at office supply stores and on internet, cable, and phone services. It has a $\\$0$ annual fee and pairs nicely with Chase travel cards if you want to convert cash back into transferable travel points.\nInk Business Unlimited® Credit Card (Chase)\nBest for: Flat-rate, hassle-free cash back.\nWhy people use it: It offers an unlimited $1.5\\%$ cash back on every single business purchase with a $\\$0$ annual fee. It’s a favorite for business owners who don't want to track rotating or specific bonus categories.\nThe Blue Business® Plus Credit Card (American Express)\nBest for: AmEx Membership Rewards points without an annual fee.\nWhy people use it: It earns $2\\times$ Membership Rewards points on everyday business purchases up to $\\$50,000$ per calendar year (then $1\\times$), with a $\\$0$ annual fee.\n\nTop Travel & Rewards Cards\n\nInk Business Preferred® Credit Card (Chase)\nBest for: Heavy spenders on travel, shipping, and advertising (social media/search ads).\nWhy people use it: For a modest $\\$95$ annual fee, it features a massive sign-up bonus and earns $3\\times$ points on the first $\\$150,000$ spent in combined select categories each year. Points are worth more when redeemed for travel through Chase Ultimate Rewards.\nAmerican Express® Business Gold Card (AmEx)\nBest for: Automatic adaptation to your highest spending categories.\nWhy people use it: It automatically earns $4\\times$ points on your top two eligible spending categories each billing cycle (like transit, advertising, or tech providers) up to $\\$150,000$ per year. It carries a higher annual fee but offers major rewards for growing businesses.\nCapital One Venture X Business Card (Capital One)\nBest for: Premium business travel and airport lounge access.\nWhy people use it: It offers unlimited $2\\times$ miles on every purchase, premium travel credits, and airport lounge access for a reasonable annual fee compared to elite personal travel cards.\n\nAlternative Modern Expense Tools\n\nRamp Corporate Card: Highly popular among tech startups and modern companies. It functions as a corporate card with built-in automated expense management, zero annual fees, and software designed to control employee spending.\n\nIf you'd like to narrow down the best fit, tell me:\n\nWhat is your estimated monthly spend?\nWhat are your biggest business expense categories (e.g., travel, advertising, supplies, inventory)?\nDo you prefer cash back or travel miles/points?","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"American Express","domain":"americanexpress.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"Ink Business Cash® Credit Card","domain":null,"position":4},{"name":"Ink Business Unlimited® Credit Card","domain":null,"position":5},{"name":"The Blue Business® Plus Credit Card","domain":null,"position":6},{"name":"Ink Business Preferred® Credit Card","domain":null,"position":7},{"name":"American Express® Business Gold Card","domain":null,"position":8},{"name":"Capital One Venture X Business Card","domain":null,"position":9},{"name":"Ramp Corporate Card","domain":null,"position":10}]},{"provider":"google_aio","run":1,"model":"google_aio","capturedAt":"2026-10-03T04:57:48.471Z","text":"The best business credit cards in the United States include top-performing products from Chase, American Express, and Capital One that small business owners and startups use for cash back and travel rewards.\n\n✅ Top Cash Back Cards\n\nInk Business Cash\nBest for: Office supplies and internet.\nAnnual fee: $0 .\nReward: High cash back on select categories.\nInk Business Unlimited\nBest for: Flat-rate daily spending.\nAnnual fee: $0 .\nReward: 1.5% cash back on all purchases.\nCapital One Spark Cash Plus\nBest for: High-spending businesses .\nAnnual fee: $150.\nReward: Unlimited 2% cash back.\n\n✅ Top Travel & Premium Cards\n\nAmerican Express Business Gold\nBest for: Multi-category business rewards.\nReward: 4X points on top spend categories.\nThe Business Platinum Card from American Express\nBest for: Airport lounge access and luxury perks .\nReward: Membership Rewards points for travel.\n\n✅ Best for Startups\n\nBrex Corporate Card\nBest for: Funded startups needing high limits without personal guarantees .\nRequirement: U.S. incorporation and revenue or funding.\n\nIf you share your primary business expenses (such as travel, office supplies, or general advertising) and whether you prefer cash back or travel miles, I can recommend the exact card for your needs.","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"American Express","domain":"americanexpress.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"Ink Business Cash","domain":null,"position":4},{"name":"Ink Business Unlimited","domain":null,"position":5},{"name":"Capital One Spark Cash Plus","domain":null,"position":6},{"name":"American Express Business Gold","domain":null,"position":7},{"name":"The Business Platinum Card from American Express","domain":null,"position":8},{"name":"Brex Corporate Card","domain":null,"position":9}]},{"provider":"grok","run":1,"model":"grok-4.3","capturedAt":"2026-10-03T04:57:48.471Z","text":"**The top business credit cards in the US (as of early October 2026) are from Chase, Capital One, American Express, and specialized options like Ramp.** These stand out in recent expert roundups from WalletHub, Bankrate, FinanceBuzz, and others for their rewards rates, welcome bonuses, fees, and real-world usability among small businesses, freelancers, and startups.[[1]](https://wallethub.com/best-business-credit-cards)[[2]](https://www.bankrate.com/credit-cards/business/best-business-cards/)\n\nPopularity comes from strong ongoing rewards (often 1.5–5% cash back or transferable points), generous sign-up bonuses, employee cards, and perks like expense tracking or travel protections. Many require good-to-excellent personal credit (typically 670+ FICO) and a personal guarantee, though some corporate-style cards (e.g., Ramp, Brex) focus more on business revenue or bank balances.[[3]](https://wallethub.com/easiest-business-credit-card-to-get)\n\n### Top Recommendations by Category\nHere are the most frequently recommended and used options:\n\n- **Best Overall / Cash Back: Capital One Spark Cash Plus**  \n  Earn 2–5% cash back on purchases (uncapped in many categories), with a standout $2,000 cash bonus after $30,000 spend in 3 months (plus potential additional bonuses for high annual spend). $150 annual fee. Praised for simplicity, high rewards value, and suitability for businesses spending $10k+/month. A strong runner-up is the no-annual-fee **Capital One Spark Cash** (intro $0 fee first year, then $95; similar rewards structure).[[1]](https://wallethub.com/best-business-credit-cards)[[1]](https://wallethub.com/best-business-credit-cards)\n\n- **Best No-Annual-Fee / Everyday Use: Chase Ink Business Unlimited® Credit Card**  \n  Unlimited 1.5% cash back (or Ultimate Rewards points) on all purchases, $750 bonus after $6,000 spend in 3 months, 0% intro APR for 12 months on purchases, and employee cards at no extra cost. Highly popular for its flexibility, integration with Chase’s Ultimate Rewards ecosystem (transfer to travel partners or cash back), and ease for smaller or growing businesses. Pair it with the **Ink Business Cash®** for up to 5% back in office supply, internet/cable/phone, and advertising categories.[[4]](https://awardwallet.com/credit-cards/best-business-credit-cards/)[[5]](https://financebuzz.com/top-business-credit-cards)\n\n- **Best for Travel Rewards & Perks: Chase Ink Business Preferred® or Amex Business Platinum / Venture X Business**  \n  Ink Preferred offers strong travel bonuses and a $95 fee with valuable points. Amex options (Business Gold for category flexibility or Business Platinum for luxury perks like lounge access and high bonuses up to 300,000 points) excel for frequent travelers. Capital One Venture X Business is another favorite for easy travel earnings and perks.[[2]](https://www.bankrate.com/credit-cards/business/best-business-cards/)\n\n- **Best for Startups / New Businesses or Expense Management: Ramp Corporate Card or Brex Corporate Card for Startups**  \n  These often have no personal guarantee, focus on business metrics (e.g., bank balance or revenue), and include built-in expense tracking, virtual cards, and rewards (1–1.5%+ cash back or points). Ramp is frequently highlighted for automation and low/no fees. Capital One Spark Classic for Business is accessible for those building credit.[[1]](https://wallethub.com/best-business-credit-cards)[[6]](https://wallethub.com/edu/cc/best-corporate-credit-cards/172562)\n\n- **Other Strong Contenders**:\n  - **Amex Blue Business Plus / Blue Business Cash**: Flat 2x points or cash back (up to spending caps), $0 annual fee—great entry-level Amex options.[[7]](https://thepointsguy.com/credit-cards/top-no-fee-business-cards/)\n  - **Wells Fargo or Bank of America business cards**: Solid for specific cash-back boosts or new businesses.[[8]](https://wallethub.com/credit-cards/business-new-businesses/)\n\n### Key Considerations for US Users\n- **Rewards vs. Fees**: Prioritize uncapped or high-category bonuses if your spend aligns (e.g., office expenses, travel, advertising). Net value after the annual fee matters—many bonuses offset fees quickly.\n- **Bonuses**: Current offers are strong (hundreds to thousands in value), but they require meeting minimum spend thresholds in 3–6 months. Check issuer sites for targeted/pre-qualified offers.\n- **Eligibility**: Most tie to personal credit; sole proprietors can often apply with SSN. Corporate cards may bypass this. Chase has a 5/24 rule (harder to get approved if you’ve opened 5+ cards in 24 months).\n- **Usage Tips**: These cards are popular for separating business/personal expenses, earning on recurring costs, and redeeming for cash, travel, or statement credits. Track spending to maximize categories.\n- **Rates & Terms**: APRs are typically variable (17–29% range) if carrying a balance—pay in full monthly. Foreign transaction fees vary (some cards have none).\n\nRecommendations can shift with your specific spending (e.g., travel-heavy vs. general), credit profile, and current promotions. Compare details directly on issuer websites (Chase, Capital One, Amex) or aggregator sites, and consider pre-qualification tools to avoid hard pulls. For the latest personalized offers, review recent comparisons from WalletHub or Bankrate. Always review full terms, as offers and rates change.","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"Capital One","domain":"capitalone.com","position":2},{"name":"American Express","domain":"americanexpress.com","position":3},{"name":"Ramp","domain":null,"position":4},{"name":"Brex","domain":null,"position":5},{"name":"Capital One Spark Cash Plus","domain":"capitalone.com","position":6},{"name":"Chase Ink Business Unlimited","domain":"chase.com","position":7},{"name":"Chase Ink Business Cash","domain":"chase.com","position":8},{"name":"Chase Ink Business Preferred","domain":"chase.com","position":9},{"name":"American Express Business Gold","domain":"americanexpress.com","position":10},{"name":"American Express Business Platinum","domain":"americanexpress.com","position":11},{"name":"Capital One Venture X Business","domain":"capitalone.com","position":12},{"name":"Ramp Corporate Card","domain":null,"position":13},{"name":"Brex Corporate Card","domain":null,"position":14},{"name":"Capital One Spark Classic for Business","domain":"capitalone.com","position":15},{"name":"American Express Blue Business Plus","domain":"americanexpress.com","position":16},{"name":"American Express Blue Business Cash","domain":"americanexpress.com","position":17},{"name":"Wells Fargo","domain":"wellsfargo.com","position":18},{"name":"Bank of America","domain":"bankofamerica.com","position":19}]},{"provider":"openai","run":1,"model":"gpt-5.5-2026-04-23","capturedAt":"2026-10-03T04:57:48.471Z","text":"As of **October 2026**, if you’re in the U.S., the business credit cards that are both **high-quality and widely used** tend to come from **Chase, American Express, Capital One, U.S. Bank, Bank of America**, and—if you want corporate-card/expense-management software—**Ramp or Brex**. In the latest J.D. Power small-business credit-card satisfaction study I found, **American Express ranked highest and Chase ranked second**, which lines up with what many small businesses actually use day to day. ([jdpower.com](https://www.jdpower.com/business/press-releases/2025-us-small-business-credit-card-satisfaction-study?utm_source=openai))\n\n## My top recommendations\n\n| Best for | Card / product | Why people use it |\n|---|---|---|\n| **Best simple starter card** | **Chase Ink Business Unlimited®** | Simple “use it for everything” business card: Chase lists **unlimited 1.5% cash back** and a **$0 annual fee**. It’s especially good if you already like Chase Ultimate Rewards or may later add an Ink Preferred / Sapphire card. ([creditcards.chase.com](https://creditcards.chase.com/no-annual-fee-credit-cards?CELL=682J&utm_source=openai)) |\n| **Best no-annual-fee category card** | **Chase Ink Business Cash®** | Great for common small-business bills: Chase lists **5% back on the first $25,000** in combined office-supply and internet/cable/phone purchases, **2% back** on gas and restaurants up to a separate $25,000 cap, and **$0 annual fee**. ([creditcards.chase.com](https://creditcards.chase.com/business-credit-cards/ink/cash?utm_source=openai)) |\n| **Best flat cash back for smaller businesses** | **Amex Blue Business Cash™** | Easy cash-back setup: **2% cash back on the first $50,000** in eligible purchases each calendar year, then 1%, with a **$0 annual fee**. ([americanexpress.com](https://www.americanexpress.com/en-us/business/credit-cards/blue-business-cash/44287/?utm_source=openai)) |\n| **Best no-fee Amex points card** | **The Blue Business® Plus Credit Card from Amex** | Excellent if you value Membership Rewards points: **2X points on the first $50,000** in eligible purchases per calendar year, then 1X. ([global.americanexpress.com](https://global.americanexpress.com/card-benefits/detail/membership-rewards-2X-points/blue-business-plus?utm_source=openai)) |\n| **Best for high-spend flat cash back** | **Capital One Spark Cash Plus** | Strong for businesses that want a simple high-rate charge card: Capital One markets Spark Cash Plus as a **2% cash-back business card** with elevated rewards through Capital One Business Travel. ([capitalone.com](https://www.capitalone.com/small-business/credit-cards/spark-cash-plus/?msockid=0c7cf29ccb4d69d128d5e465ca9168f3&utm_source=openai)) |\n| **Best for ads, shipping, travel, telecom** | **Chase Ink Business Preferred®** | Best Chase points card for many online businesses/agencies: **3X points on up to $150,000** in combined purchases in shipping, social/search advertising, travel, internet/cable/phone each account year. ([chase.com](https://www.chase.com/personal/credit-cards/education/chase-cards/guide-to-chase-ink-business-preferred-benefits?utm_source=openai)) |\n| **Best for variable high-spend categories** | **American Express® Business Gold Card** | Best if your spend shifts month to month: Amex gives **4X points on the top 2 eligible categories** each billing cycle, up to **$150,000** in combined purchases per calendar year. ([americanexpress.com](https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-business-gold-card-amex/44295/?utm_source=openai)) |\n| **Best no-fee card for gas, dining, phones, office supplies** | **U.S. Bank Business Triple Cash Rewards Visa®** | U.S. Bank lists **3% cash back** at gas/EV charging, office-supply stores, cell-phone providers, and restaurants, with **no annual fee**. ([usbank.com](https://www.usbank.com/business-banking/business-credit-cards/business-triple-cash-back-credit-card.html?measurementId=G-YD9K1W9DLN&s1=c%3A28b5a4c2-1dd3-44f1-9da1-2a8c07c2dee1%7C01j7tn2i018d5kwe00nd%7Cfinance&yLinkID=01j7tn2i018d5kwe00nd&utm_source=openai)) |\n| **Best if you keep serious money with Bank of America** | **Bank of America Business Advantage Customized Cash Rewards** | Good if you’re in BofA Preferred Rewards for Business: base rewards include **3% back in a category of your choice**, and BofA Preferred Rewards tiers can boost earnings significantly. ([business.bankofamerica.com](https://business.bankofamerica.com/en/credit-cards?utm_source=openai)) |\n| **Best premium business travel card** | **Capital One Venture X Business** | Good for businesses that want travel rewards without many category rules: Capital One lists **unlimited 2X miles**, plus higher multipliers through Capital One Business Travel and a **$300 annual travel credit**. ([capitalone.com](https://www.capitalone.com/learn-grow/business-resources/venture-x-business/?msockid=14152434ba8b6dcf31f632e9bbb86cfd&utm_source=openai)) |\n| **Best corporate-card / spend-management platforms** | **Ramp or Brex** | Not traditional small-business credit cards, but very popular with funded startups, SaaS companies, and teams that need virtual cards, approvals, bill pay, and expense controls. Ramp emphasizes corporate cards plus expense/AP/procurement tools; Brex says it is used by **1 in 3 venture-backed U.S. startups**. ([ramp.com](https://ramp.com/corporate-cards?utm_source=openai)) |\n\n## If I had to narrow it down\n\n### For most small businesses\nPick **Chase Ink Business Unlimited®** or **Amex Blue Business Cash™**. They’re simple, low-maintenance, and easy to justify.\n\n### For office, internet, phone, and software-heavy businesses\nPick **Chase Ink Business Cash®** first. Add **Ink Business Preferred®** if you spend meaningfully on ads, shipping, travel, or telecom and want transferable points.\n\n### For cash-back maximizers\nUse a combo:\n- **Amex Blue Business Cash™** for 2% up to $50k/year.\n- **U.S. Bank Business Triple Cash** for 3% on dining, gas/EV, phones, and office supplies.\n- **Capital One Spark Cash Plus** if your annual spend is high enough to justify a charge-card setup.\n\n### For points and travel\nUse:\n- **Chase Ink Business Preferred®** if you like Chase Ultimate Rewards.\n- **Amex Blue Business Plus®** or **Amex Business Gold** if you like Amex Membership Rewards.\n- **Capital One Venture X Business** if you want simple 2X miles and travel perks.\n\n### For startups with employees\nLook at **Ramp** or **Brex** if you care more about **spend controls, virtual cards, approvals, reimbursements, accounting sync, and bill pay** than traditional credit-card rewards.\n\n## The brands I’d prioritize\n\n1. **Chase** — best overall ecosystem for many small businesses; Ink cards are extremely common.\n2. **American Express** — best customer satisfaction and strong business tools/rewards.\n3. **Capital One** — strong flat-rate cash-back and travel cards.\n4. **U.S. Bank** — underrated category cash-back cards.\n5. **Bank of America** — best if you have Preferred Rewards for Business.\n6. **Ramp / Brex** — best for VC-backed startups, tech companies, and larger teams needing controls.\n\n**Bottom line:** If you want one safe, mainstream pick, start with **Chase Ink Business Unlimited®**. If you want simple cash back and prefer Amex, choose **Amex Blue Business Cash™**. If your business spends a lot on office/phone/internet, get **Chase Ink Business Cash®**. If you’re a startup with employees and want expense controls, evaluate **Ramp** or **Brex**.","extractedBrands":[{"name":"Chase","domain":"chase.com","position":1},{"name":"American Express","domain":"americanexpress.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"U.S. Bank","domain":"usbank.com","position":4},{"name":"Bank of America","domain":"business.bankofamerica.com","position":5},{"name":"Ramp","domain":"ramp.com","position":6},{"name":"Brex","domain":null,"position":7}]},{"provider":"perplexity","run":1,"model":"sonar","capturedAt":"2026-10-03T04:57:48.471Z","text":"Here are the **best business credit cards in the U.S.** that are widely recommended and actually used by small-business owners, based on current 2026 rankings from major finance outlets like CNBC, NerdWallet, Bankrate, Forbes, The Points Guy, and American Express/Chase product pages.[2][3][6][10][13][17][18]\n\n- **American Express Business Gold Card** — best for flexible rewards on the categories where your business spends the most; it is repeatedly ranked near the top for businesses with varied spending patterns.[2][13][19]\n- **Chase Ink Business Preferred® Credit Card** — one of the most commonly recommended all-around business cards for travel and transferable points, especially if you want strong signup value and Chase points flexibility.[7][18][22]\n- **Chase Ink Business Unlimited® Credit Card** — a top pick for simple **flat-rate cash back** with no annual fee, and it is frequently highlighted for everyday spending.[7]\n- **American Express Blue Business Cash™ Card** — a strong no-annual-fee choice for businesses that want straightforward cash back without managing categories.[14][17]\n- **The Business Platinum Card® from American Express** — best for premium travel perks, lounge access, and high-end benefits rather than everyday spending efficiency.[3][11][15]\n- **Capital One Spark Cash Plus** — a leading flat-rate cash-back card, especially for businesses that spend heavily and want simple earnings with no preset spending limit.[6][8]\n- **Capital One Venture X Business** — a premium travel card that is often recommended for businesses that value travel rewards and flexibility.[10]\n- **U.S. Bank Triple Cash Rewards Visa® Business Card** — commonly cited for a strong welcome bonus and practical cash-back earning.[3]\n- **World of Hyatt Business Credit Card** — a niche but popular choice if your business spends heavily on hotels and especially Hyatt stays.[8]\n- **American Express Business Green / Business Platinum / Business Gold lineup** — Amex business cards remain some of the most widely used premium options in the U.S., especially for travel and Membership Rewards users.[15][17][19]\n\nIf you want the **shortest “best overall” list**, I’d narrow it to these four:\n\n- **Best overall rewards:** American Express Business Gold Card[2][13][19]\n- **Best flat-rate cash back:** Capital One Spark Cash Plus[6][8]\n- **Best no-annual-fee option:** Chase Ink Business Unlimited® Credit Card or American Express Blue Business Cash™ Card[7][14]\n- **Best premium travel card:** The Business Platinum Card® from American Express[3][11][15]\n\nA practical way to choose is:\n\n- Pick **Amex Business Gold** if your expenses vary month to month and you want category optimization.[2][19]\n- Pick **Ink Business Unlimited** or **Blue Business Cash** if you want something simple and low-cost.[7][14]\n- Pick **Spark Cash Plus** if you prefer a powerful cash-back card for larger spending.[6][8]\n- Pick **Business Platinum** or **Venture X Business** if you travel frequently and can use premium perks.[10][15]\n\nIf you want, I can also give you:\n- the **best business credit cards by credit score**\n- the **best cards for startups**\n- or a **top 5 list by rewards, annual fee, and approval difficulty**","extractedBrands":[{"name":"American Express","domain":"americanexpress.com","position":1},{"name":"Chase","domain":"chase.com","position":2},{"name":"Capital One","domain":"capitalone.com","position":3},{"name":"U.S. Bank","domain":"usbank.com","position":4},{"name":"Hyatt","domain":null,"position":5}]}]}