Business Credit Cards for Solo and Small Businesses

Smart spending starts here. Separate your finances, streamline operations, and build your business credit with the right card.

Build Smarter Systems for How You Spend

As a Fractional or solo consultant, you’re driving strategy for your clients, but your own financial systems matter just as much. The right business credit card can give you the clarity, separation, and control you need to operate like a true business owner, not just a freelancer with a spreadsheet.

  • Keep Finances Clean Separate business and personal expenses for better bookkeeping during tax time and greater peace of mind.
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  • Build Business Credit Establish your business profile for future funding or growth.
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  • Track Spending Easily Categorize purchases by vendor, team member, or project.
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  • Earn Rewards From Business Spending Get cash back, travel points, or platform credits for the work you’re already doing.
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  • Level Up Your Professionalism Use a business card under your LLC or business name.
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Top Business Cards for Solo and Small Businesses

Smart, flexible credit cards to separate expenses, build business credit, earn cash back, and unlock rewards, without relying on your personal finances.

A no-cost corporate card built for modern, service-based businesses.
Ramp requires a U.S. LLC or corporation with $75K+ in a business bank account.
Good for those who want flexibility and solid banking infrastructure.
Great for Fractionals and solopreneurs who want straightforward rewards.
ideal for businesses who want flexibility and a solid banking infrastructure.
Best for cash flow management, cashback rewards, and 0% APR offers.

What You'll Need to Apply

$

A registered LLC or business entity

Your EIN (Employer Identification Number)

A business bank account

Estimated revenue or cash balance

A business email address

Use case or clear purpose for the card

Ready to build real business credit?

Pick Capital One Spark - the Hey CMO preferred card that works for you and spend smarter starting today.