Best Business Credit Cards – USA

Best Business Credit Cards

USA flag
USA – June 2025
  • Suitable for: small businesses, freelancers & self-employed.
  • Offerings are backed by regulated financial institutions, deposits are FDIC insured.
  • Compare fees to save money, compare features to save time.
Last Updated June 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.

Advertiser Disclosure

Business Banks Rewards Rate Card Annual Fees Benefits Score
1.5% cash back More info Business Cashback Mastercard® No Fees
  • Save time on account management
  • Set spending limits for each employee
  • Lock your card any time
9.8

Payments

Debit Card

Available

Mastercard perks
  • Car rental insurance
  • 24-hour assistance
  • Airport Concierge
  • ID Theft Protection

Accounting Tools

  • green-check-mark Bill pay
  • green-check-mark Free unlimited invoicing
  • green-check-mark Expense Management
  • green-check-mark Payment approvals

Security Features

  • Deposits up to $3,000,000 are insured by Coastal Community Bank; Member FDIC and their program banks.

Account Access

Based on 8,232 reviews
3.0% APY
$3M FDIC coverage More info
Relay Debit Visa No Fees
  • Payments via ACH transfer, wire and check
  • Apply in 10 min & Join over 100,000 businesses
  • Up to 50 virtual or physical Visa® debit cards
9.5

Payments

Relay

$0/mo

Relay Pro

Starting at $30/business/mo

Card

Relay Debit Visa

Protection
  • Visa® Zero Liability Protection Policy
  • Two-factor authentication and biometric security

Accounting Tools

  • green-check-mark Billpay
  • green-check-mark Savings account
  • close-mark-black Free unlimited invoicing
  • green-check-mark Expanse management
  • green-check-mark integration with QuickBooks, Xero, Gusto, Yodlee and more

Security Features

  • Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank; Member FDIC.

Account Access

Based on 1,204 reviews
Startup credit boost
1.5% cashback More info
Mercury IO Mastercard No Fees
  • Increase cash flow with automatic cashback
  • Cut costs with subscription management
9.1

Payments

Fraud Protection

Mastercard Zero Liability and Fraud Protection

Balance Minimum

Low cash balance min

Qualify with a $25K balance
Management Tools

Maintain control as you scale

Debit Card
Available

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Money management

Security Features

    • Deposits up to $5,000,000 are insured.

Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column
N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep
network banks. Certain conditions must be satisfied for pass-through insurance to apply.

Account Access

Based on 1 reviews
Special Offer: Deposit $10K within your first 90 days and get $250 cash
3% Cash Back
More info
US bank Debit Visa No Fees
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
8.8

Payments

Transfers
  • 125 transactions available for free
  • $1 precessing fee for ACH transfers
$0.50 on any additional transfer
Domestic wire transfers
  • Incoming $14 fee
  • Outgoing $40 fee
International wire transfers
  • Incoming $16 fee
  • Outgoing $75 fee
Terms & Conditions Apply on Rewards
Earn a $500 bonus when you open a U.S. Bank Business Essentials Account or $900 when you open a Platinum Business Checking Account online with promo code Q2AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2025. Member FDIC.

Accounting Tools

  • green-check-mark Billpay
  • green-check-mark Cash deposit
  • green-check-mark Savings
  • green-check-mark Invoicing

Security Features

  • Deposit products (up to $250k) offered by U.S. Bank National Association. Member FDIC

Account Access

Based on 44,200 reviews
Free plan More info Airwallex Visa FDIC
  • Expense management for your business
  • High speed international transfers
8.5

Payments

Domestic Cards Payments

2.80% + 0.30 USD

International Cards Payments

4.30% + 0.30 USD

Transfers

Free

Some additional charges may apply

SWIFT Transfers

$15-$25

Check Transfers

$1.50/check

Accounting Tools

  • green-check-mark Bill Pay
  • green-check-mark QuickBooks
  • green-check-mark Xero

Security Features

  • Deposits up to $250,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC.

Account Access

Based on 1,479 reviews
1.5% APY More info Found Debit Mastercard $19.99 /mo
  • Virtual cards to manage your cash flow
  • Auto-categorization makes write-offs easy
8.2

Payments

Fees
  • No maintenance fees
  • No minimum balance
Card

Only Debit Card available at the moment

Bookkeeping
  • Automated expense tracking
  • Receipt capture
  • Import expenses from receipts

Accounting Tools

  • green-check-mark Unlimited free invoicing
  • green-check-mark Expense tracking
  • green-check-mark Tax estimation and saving tool
  • green-check-mark integration with Stripe, Square, PayPal & more

Security Features

  • Deposits up to $250k are insured by Piermont Bank; Member FDIC

Account Access

Based on 265 reviews
1
  • Save time on account management
More info + No Fees
2
  • Payments via ACH transfer, wire and check
  • Apply in 10 min & Join over 100,000 businesses
More info + No Fees
3
  • Increase cash flow with automatic cashback
More info + No Fees
Get $250 cash when deposit $10K in the first 90 days
4
  • Online and mobile banking available
More info + $0/$20/$30 month
5
  • Expense management for your business
More info + Free Plan
6
  • Virtual cards to manage your cash flow
More info + $19.99 /mo

Our Top Choice

  • Save time on account management
  • Set spending limits for each employee
  • Lock your card any time
9.8

Customer Experiences

I have been banking with Relay for over three years, some of which was in their early startup phase. I have enjoyed the continual improvements and updates. This is by far the best banking platform for my company. I also appreciate the…
K
Kait
Jan 15, 2024
Incredibly easy to set up and convenient to use. Great user interface, customer service is quick and helpful. I’m very happy with this bank.
A
ATL
Jan 18, 2024
Relay has been awesome for my business banking. My account was approved quickly and it was easy to set up multiple accounts
J
Jweedlv
Jan 25, 2024
I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.

Understanding Business Banking – A Quick Guide

Navigating the world of business banking can be overwhelming, but it doesn’t have to be. Our quick guide offers a concise overview of the essential factors to consider when selecting a bank for your business. From analyzing monthly fees and account plans to assessing features and benefits, we break down the key elements that matter most.

By arming yourself with this knowledge, you can confidently choose the right banking partner that aligns with your business goals and financial needs. At our comparison website, we strive to simplify the process of finding the perfect bank for your business, so you can focus on what truly matters – growing your enterprise.

Understanding Business Banking – A Quick Guide

Navigating the world of business banking can be overwhelming, but it doesn’t have to be. Our quick guide offers a concise overview of the essential factors to consider when selecting a bank for your business. From analyzing monthly fees and account plans to assessing features and benefits, we break down the key elements that matter most.

By arming yourself with this knowledge, you can confidently choose the right banking partner that aligns with your business goals and financial needs. At our comparison website, we strive to simplify the process of finding the perfect bank for your business, so you can focus on what truly matters – growing your enterprise.

How to Compare and Choose the Best Business Checking Account?

Banking Features
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.

How to Compare and Choose the Best Business Checking Account?

Banking Features
Accordeon button
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Accordeon button
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
Accordeon button
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
Accordeon button
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Accordeon button
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Accordeon button
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.