Calculator: 6 Best Visa Business Credit Cards [2021]

Earn valuable rewards for your business with Visa's best credit cards. Get our top picks and calculate total rewards based on your business spend.

The Point Calculator's top picks for the 6 best Visa business credit cards are:

  • Capital One Spark Cash for Business
  • Capital One Spark Cash Select for Business
  • Chase Ink Business Preferred® Credit Card
  • Chase Ink Business Cash® Credit Card
  • Chase Ink Business Unlimited® Credit Card
  • Costco Anywhere Visa® Business Card by Citi

Capital One Spark Cash for Business

If you're looking to earn rewards at a flat rate across all purchases, the Capital One Spark Cash for Business is a Visa business card worth considering. It earns an unlimited 2% cash back on all purchases and cash back can be used to offset business expenses charged to the card. The Spark Cash for Business also has no foreign transaction fee which makes it a great option of international travel and spending.

Capital One Spark Cash for Business
Rewards Rate
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Capital One Spark Cash Select for Business

If you don't spend enough to justify the Spark Cash for Business, you can take a step down to the Capital One Spark Cash Select for Business. This no-annual fee Visa business card earns an unlimited 1.5% cash back on all purchases. It has no foreign transaction fee which makes it a great option for international purchases.

Capital One Spark Cash Select for Business
Rewards Rate
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees

Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred Card is one of the best Visa business credit card on the market. It earns 3 Ultimate Rewards Points per $1 spent on travel, shipping, internet, cable services, phone services, and advertising. Points can be redeemed for travel through Chase Ultimate Rewards for 1.25 cents per point or you can transfer points to Chase's airline and hotel partners for a chance at even more value. The Chase Ink Business Preferred Card has no foreign transaction fee which means you can earn rewards towards travel using the card worldwide with no penalty.

Ink Business Preferred® Credit Card
Rewards Rate
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Chase Ink Business Cash® Credit Card

The Chase Ink Business Cash Card is a top-tier cash back Visa business card that has no annual fee. It earns 5% cash back on office supply store, internet, cable, and phone purchases, 2% back on gas and restaurant purchases, and 1% back on everything else. It's a great visa business credit card for building cash back on popular business categories.

Chase Ink Business Cash® Credit Card
Rewards Rate
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Chase Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited Card is a 1.5% cash back Visa business card that has no cap on the amount of rewards you can earn. It's a simple and straightforward card that pairs well with other Chase credit cards such as the Chase Ink Business Cash Card and Chase Ink Business Preferred Card to ensure you never earn less than a 1.5% return on your spend. The Chase Ink Business Unlimited Card has no annual fee.

Chase Ink Business Unlimited® Credit Card
Rewards Rate
  • Earn unlimited 1.5% cash back on every purchase made for your business
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Costco Anywhere Visa® Business Card by Citi

If you or your business deals with Costco and also have frequent travel expenses, the Costco Anywhere Visa Business Card could be a good fit. It earns 4% cash back on gas station purchases (includes Costco Gas Station), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. The card has no foreign transaction fee which means you can earn a great return on travel and restaurant purchased worldwide. Rewards earned with the Costco Anywhere Visa Business Card stacks on top of the rewards earned as an Costco Executive or Costco Executive Business member which means you can earn up to a total of 4% spending at Costco.

Costco Anywhere Visa® Business Card by Citi
Rewards Rate
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated business credit cards that are part of the Visa network. Personal Visa credit cards will not appear in this list.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
Loading...

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-30 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US • 🇨🇦 CA • 🇬🇧 UK • 🇦🇺 AU