Best Visa business credit cards of August 2024 (2024)

When shopping for a credit card for your business or side hustle, the rewards and benefits should be at the forefront of your decision-making process. But there are other considerations as well, such as the card issuer and payment network. Many of the top business cards operate on the Visa payment network, which gives you a high level of acceptance from vendors and access to additional benefits such as the Visa SavingsEdge program.

CNBC Select selected the best visa business credit cards for everything from intro-APR offers to cash-back rewards.(Seeour methodologyfor information on how we chose the best visa business credit cards.)

Who's this for? The Ink Business Unlimited® Credit Card is great if you want a Visa business card with a solid rewards rate and no annual fee to worry about.

Standout benefits: The Ink Business Unlimited is a cash-back business card that earns a minimum of 1.5% cash back on every purchase. That's a 50% higher return on your purchases than most other business cash-back cards (on spending outside of a special bonus category).

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Who's this for? The Ink Business Preferred® Credit Card is ideal not only if you're looking to earn valuable travel rewards for your business purchases, but it can provide you with one of the biggest welcome bonuses available.

Standout benefits: The Ink Business Preferred Card earns 3X Chase Ultimate Rewards® points where it matters most for business owners. You'll earn this elevated rewards rate on the first $150,000 in combined purchases each account anniversary year for shipping, travel, advertising (with social media and search engines) and internet, cable and phone services (then 1X points).

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Who's this for? You'll find the Southwest Rapid Rewards® Performance Business Credit Card rewarding and well worth the annual fee if your business travels take you all over the U.S.

Standout benefits: The Southwest Performance Business Card has a long list of perks that will save you money on Southwest flights. You receive four upgraded boardings per year (when available), up to 365 in-flight Wi-Fi credits per year, $500 worth of fee credits for point transfers every card anniversary year and a Global Entry or TSA PreCheck application fee credit.

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Who's this for? Business owners who want interest-free financing to expand their operations will get lots of value from what the U.S. Bank Business Platinum offers.

Standout benefits: When you open a U.S. Bank Business Platinum, you'll get an intro 0% APR on purchases for the first 18 billing cycles (after that, a variable 17.24% to 26.24% APR applies). Having a full year and a half to pay off your balance adds a lot of flexibility to how you can invest in your business.

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Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card is perfect if you want straightforward rewards, a low cost and loads of useful features.

Standout benefits: With a new U.S. Bank Triple Cash Rewards Visa Business Card, you'll receive an intro 0% APR on purchases for 12 billing cycles (after that, a variable 19.24% to 28.24% APR applies). By itself, this 0%-APR offer is stellar, but it stands out even more when you also consider that this card has a lucrative welcome bonus and earns cash back at a healthy pace.

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The Ink Business Unlimited Credit Cardis acash-back business cardthat packs a lot of value for having no annual fee.

Rewards

• 5% cash back on Lyft rides (through Mar. 31, 2025)
• 1.5% cash back on all other purchases

Welcome bonus

Earn a $750 cash bonus after spending $6,000 on purchases in the first three months after opening the account.

Annual fee

$0

Notable perks

With a new Ink Business Unlimited card, you can take advantage of an intro 0% APR on purchases for 12 months. After the intro APR ends, a variable 18.49% to 24.49% APR applies. This offer alone could save you hundreds on interest, which is all in addition to a hefty welcome bonus.

You can add employee cards for no additional cost and all cardholders can take advantage of insurance benefits such as:

• Purchase protection
• Extended warranty protection
• Roadside dispatch
• Rental car collision coverage
• Travel and emergency assistance services

Pro tip: The cash back you earn with this card can be converted into transferrable Chase Ultimate Rewards® points when paired with an eligible Ultimate-Rewards card, like the Ink Business Preferred® Credit Card or the Chase Sapphire Preferred® Card. This gives you the option of converting your cash-back rewards into points or miles with programs such as World of Hyatt, Southwest Rapid Rewards and United MileagePlus.

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The Ink Business Preferred® Credit Card is a popular business rewards credit card with a reasonable annual fee and an unusually high welcome bonus offer.

Rewards

• 5X points on Lyft rides (through March 31, 2025)
• 3X points on the first $150,000 in combined purchases in these categories each account anniversary year: Shipping, advertising (with select social media sites and search engines), travel, internet, cable and phone services
• 1X points on all other purchases

Welcome bonus

Earn 120,000 bonus points after you spend $8,000 on purchases in the first three months from account opening.

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
• Extended warranty protection
• Cell phone protection

These protections extend to employee cards, which are free to add to your account. It also has no foreign transaction fees, making it a solid business travel credit card.

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

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

If you prefer less complicated redemptions, the Ink Business Preferred gives you a 25% boost in value when you use points to book through Chase TravelSM.

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The Southwest Rapid Rewards® Performance Business Credit Card is the airline's more premium business card and helps fast-track qualifying for a Southwest Companion Pass. The points you earn for spending with this card, including the welcome bonus, count toward qualifying for the Companion Pass.

Rewards

• 4X points on Southwest® purchases
• 3X points on Rapid Rewards® hotel and car rental partners
• 2X points on social media and search engine advertising, internet, cable, and phone services
• 2X points on local transit and commuting (including rideshares)
• 1X points on all other purchases

Welcome bonus

Earn up to 120,000 points. Earn 80,000 points after you spend $5,000 on purchases in the first three months from account opening and an additional 40,000 points when you spend $15,000 in nine months.

Annual fee

$199

Notable perks

It can be easy for frequent Southwest flyers to justify this card's $199 annual fee. You get 9,000 bonus points every year after your card anniversary (worth roughly $126 in Southwest flights). You also receive four upgraded boardings every year (when available), which normally costs $30 to $149 per person per segment. On top of that, you get up to 365 in-flight Wi-Fi credits per year, worth $8 each. When you transfer points and pay with your card, you'll get up to $500 of fee credits each year to cover the cost of these transfers. If you want to speed through airport security, you also have access to a Global Entry or TSA PreCheck application fee credit (every four years).

This card can also help you earn Southwest elite status. You'll earn 1,500 tier qualifying points (TQPs) for every $5,000 you spend in a calendar year. There's no cap on how many TQPs you can earn with your card, which makes it possible to earn elite status without flying.

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

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The U.S. Bank Business Platinum may not offer rewards or flashy perks, but it can save you from paying exorbitant interest rates for well over a year.

Rewards

None

Welcome bonus

None

Annual fee

$0

Notable perks

In addition to not having no annual fee,as a new cardholder, you can take advantage of a 0% intro APR on purchases for the first 18 billing cycles. When the intro APR expires, the standard variable APR of 17.24% to 26.24% applies. That's one of the best intro APR offers available for a small business credit card.

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The U.S. Bank Triple Cash Rewards Visa® Business Card is a no annual fee business card with an excellent welcome bonus and intro-APR offer. It doesn't skimp on cash-back rewards, either, with an elevated 3% return on a range of purchases.

Rewards

• 5% cash back on prepaid hotels and car rentals booked through the Travel Rewards Center
• 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

Earn $750 cash back after spending $6,000 on the account owner's card in the first 180 days from account opening.

Annual fee

$0

Notable perks

With a new account, you receive an intro 0% APR on purchases for 12 billing cycles from account opening, after that, a variable 19.24% to 28.24% APR applies.

You can earn a $100 software subscription credit every year after making qualifying purchases. To earn the credit, you must make 11 consecutive monthly payments to an eligible software provider, such as QuickBooks or FreshBooks.

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The Visa SavingsEdge program is a program that offers cash back and discounts to Visa business cardholders.

To take advantage of these deals, you'll need to 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 earn online cash back, you need to use the Visa SavingEdge shopping portal. You'll click through the site to the merchant you want to buy from and receive a statement credit in the future after making a qualifying purchase.

The in-store offers are even easier to use, you just pay at a participating merchant with a linked card and you'll receive a statement credit in the future. The instant coupons available with this program are coupon codes you can apply at checkout.

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To determine the best visa business cards, CNBC Select analyzed visa credit cards issued through FDIC-insured banks and NCUA-insured credit unions that are widely available in the U.S.

In addition to the visa cards' welcome offers, we compared each card on a range of features, including rewards (e.g., cash back, points and miles), annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back).

We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back.

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