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Best Business Credit Cards – USA

Best Business Credit Cards

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USA – April 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 April 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.
Advertiser Disclosure

Advertiser Disclosure

Business Banks Rewards Rate Card Annual Fees Benefits Score
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
 9.8
Visit Site
Relay Review

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
Visit Site
Earn $300 when you deposit $10,000 into your Relay account
1.5% APY More info Found Debit Mastercard
$19.99 /mo
  • Virtual cards to manage your cash flow
  • Auto-categorization makes write-offs easy
 9.5
Visit Site
Found Review

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
Visit Site
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
Visit Site
Mercury Review

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 by Choice Financial Group and Evolve Bank & Trust; Members FDIC.

Account Access

Based on 1 reviews
Visit Site
1.5% cash back More info Business Cashback Mastercard®
No Fees
  • Save time on account management
  • Set spending limits for each employee
 8.8
Visit Site
Bluevine Review

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
Visit Site
3% Cash Back
More info 		US bank Debit Visa
No Fees
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
 8.5
Visit Site
U.S. Bank Review

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
Visit Site
Score 9.8
Relay Review
Annual Fees No Fees
Rewards Rate 3.0% APY
$3M FDIC coverage
Accounts
  • USD
Based on 1,204 reviews
Benefits
  • Relay $0/mo
  • Relay Pro starting at $30/business/mo
  • Visa® Zero Liability Protection Policy
  • Two-factor authentication
  • Biometric security
Earn $300 when you deposit $10,000 into your Relay account
Visit Site
Our top choice
1
9.8
Visit Site
  • Payments via ACH transfer, wire and check
  • Apply in 10 min & Join over 100,000 businesses
More info + No Fees
Earn $300 when you deposit $10,000 into your Relay account
Score 9.5
Found Review
Annual Fees $19.99 /mo
Rewards Rate 1.5% APY
Accounts

USD

Based on 265 reviews
Benefits
  • Only Debit Card available at the moment
  • No maintenance fees
  • No minimum balance
  • Automated expense tracking
  • Receipt capture
  • Import expenses from receipts
Visit Site
Best for self-employed
2
9.5
Visit Site
  • Virtual cards to manage your cash flow
More info + $19.99 /mo
Score 9.1
Mercury Review
Annual Fees No Fees
Rewards Rate Startup credit boost
1.5% cashback
Accounts
  • USD
Based on 1 reviews
Based on 1 reviews
Benefits
  • Mastercard Zero Liability and Fraud Protection
  • Low cash balance min
  • Management Tools
  • Debit Card available
Visit Site
3
9.1
Visit Site
  • Increase cash flow with automatic cashback
More info + No Fees
Score 8.8
Bluevine Review
Annual Fees No Fees
Rewards Rate 1.5% cash back
Accounts
  • USD
Based on 8,232 reviews
Benefits

Mastercard perks:

  • Car rental insurance
  • 24-hour assistance
  • Airport Concierge
  • ID Theft Protection
Visit Site
4
8.8
Visit Site
  • Save time on account management
More info + No Fees
Score 8.5
U.S. Bank Review
Annual Fees No Fees
Rewards Rate $0 / $20 / $30
monthly fee
Accounts
Based on 1,700 reviews
Based on 44,200 reviews
Benefits
  • Up to 3.50% on money market savings account
  • $100 minimum deposit is required to open An account
  • At least 125 free transactions per month
  • Checkbooks, cash deposit & no-fee ATMs in 2,000 locations
  • Deposits up to $250k are insured by U.S. Bank National Association; Member FDIC
Visit Site
5
8.5
Visit Site
  • Online and mobile banking available
More info + $0/$20/$30 month

Our Top Choice

  • 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
 8.5
Open Account
Earn $300 when you deposit $10,000 into your Relay account

Top 3 Business Cards

Find the best fit for your business

9.8
The Credit card that puts you in chargeVist site
9.5
Banking built for the self-employedVist site
9.1
Accelerate your growth with the IO MastercardVist site

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.
It was the easiest account setup I have ever experienced! Found is the best banking for small businesses I have ever seen.
J
Joe Pangelinan
May 24, 2024
This was the easiest and most cost effective way to establish a business account.
M
Mary D
May 24, 2024
Love Found. The UI is so much better than Chase and the pockets feature has been so helpful in helping me budget.
J
Justin & Cassie Fitzpatrick
May 16, 2024
I have experienced very positive interaction with Found. I was taking a business through a quick transition and this account was very user friendly and easy to navigate.
G
Gwendolyn
Jun 1, 2024
Mercury was very easy to set up, use and until now it’s been very clear about everything. I’m happy to have chosen this as my first bank for this company.
F
Felipe Franz
Jan 5, 2024
As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business.
D
David
Apr 28, 2023
Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
K
Keith
May 28, 2024
Can’t recommend the bank and app enough. the app can do do everything the web app can do which is really nice for being on the go
J
Jacin Lowe
Jan 24, 2024

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.