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.

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Keep Finances Clean Separate business and personal expenses for better bookkeeping during tax time and greater peace of mind.1
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Build Business Credit Establish your business profile for future funding or growth.2
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Track Spending Easily Categorize purchases by vendor, team member, or project.3
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Earn Rewards From Business Spending Get cash back, travel points, or platform credits for the work you’re already doing.4
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Level Up Your Professionalism Use a business card under your LLC or business name.5
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.
- 1.5% unlimited cashback on all purchases
- No personal credit check or annual fee
- Automated expense tracking and receipt collection
- Virtual and physical cards for client or team use
- Built-in limits and approval workflows
- Integrates with QuickBooks, Xero, and more
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.
- 1.5% or 2% unlimited cashback on all purchases
- No or low annual fees, depending on the card
- Free employee cards to manage team spending
- Simple online management with no bonus categories to track
- Helps build business credit over time
Great for Fractionals and solopreneurs who want straightforward rewards.
ideal for businesses who want flexibility and a solid banking infrastructure.
- Up to 5% cashback in select categories (Ink Business Cash)
- 0% intro APR on purchases (up to 12 months)
- Sign-up bonuses with low spend thresholds
- Points redeemable for travel, gift cards, or statement credits
- No annual fee on select cards
Best for cash flow management, cashback rewards, and 0% APR offers.