Best Business Credit Cards For Food Brands

A business credit card can be an important financing for your food brand, especially if you aren’t coming into the endeavor with deep pockets or traditional loans. Like any other credit card, a business card should be used wisely. But if your brand can use one responsibly, a business credit card can come with great points – like low introductory rates, bonus perks, and of course, those almighty points.

A small business credit card operates very differently than a corporate card. Unlike with a corporate card, the business owner is responsible for the balance incurred on the small business card – even if the business fails. Because of this, you should be extra-careful about your spending and paying your balance. In most cases, you won’t need a lengthy credit history to qualify for a business card – just good personal credit.

If your food brand is in the market for a business credit card, read on for some of your options.

Chase Ink Business Unlimited

With no annual fees, the Chase Ink is one of the most popular business credit cards available. Employee cards are free, the introductory APR is 0%, and it comes with bonus perks like car rental insurance. There’s also 1.5% cash back on eligible purchases, which is great but not the best, making it a good introductory business card. You can also pool your points with other Chase card accounts, so if you’re a Chase user already, the deal is sweeter.

Capital One Spark

The Capital One Spark has two options: Cash For Business or Miles For Business. The difference is pretty self-explanatory! This card does have an annual fee, $95 that is waived for the first year, and there is no introductory APR. But with a flat 2% cash back on all purchases, this card can be highly valuable. For business owners who travel, the Miles for Business card has all the same perks, but a great miles program rather than cash back. Users also receive a quarterly itemized spending report, helpful for business owners trying to improve their financial reporting and understanding.

American Express Business Platinum

This card is a charge card, meaning the statement balance is due in full each month. It also has a hefty $595 annual fee, meaning this isn’t the perfect card for every business. But for business owners conducting a lot of travel, this card might be more than worth it. Airfare and hotel purchases earn big points, and new cardmembers receive 750,000 points if they spend $20,000 in the first 3 months. Another sweet perk for business owners is complimentary Premium Global WeWork access for the first year, plus access to airport lounges and baggage insurance. If you’re a traveler and can handle paying your monthly balance, this card can be key.

U.S. Bank Business Platinum

This isn’t the world’s sexiest card. The perks are few, and the points are nonexistent. But with 0% APR for the first 12 months, even on balance transfers, this card could be a boon to your business. If you need to finance a large purchase and don’t have the cash flow, or if you’ve racked up interest on another account and want to move to a safer account, this card is for you.

Bank of America Business Advantage

As with the Capital One card, you have two options here: Travel Rewards or Cash Rewards. Both have no annual fee, an attainable signup bonus, and some travel-related perks. Your choice is whether you’d like the tiered cash back system or the travel points system. In both cases, rewards are great. Cash Rewards members receive 3% cash back on purchases in one of the six categories of their choosing, as well as 2% back on dining and 1% on everything else. Travel Rewards members get between 1.5 and 3 points for every $1 spent on travel. Pretty good rewards for a no-fee card!


Brex is the newest startup on the credit card market, but it is already a strong contender for the best business card. This card is a corporate card, but unlike any other. Rather than a traditional credit check or personal guarantee, Brex uses your company’s cash and equity to determine your credit limits.

And the rewards here are pretty game-changing! Amazon Web Services credits, 15% off WeWork, 7x points on ride shares and taxis, and there’s even a Brex travel portal with 4x rewards on travel. This card is ideal for a quickly scaling business who wants to improve their credit, access cash fast, and rack up great rewards.

Have a card we missed? Let us know in the comments!

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