Business cards separate your expenses, protect personal credit, and can deliver massive first-year bonuses. Here are the best ones ranked by real net value.
Business cards typically have higher signup bonuses, higher spend requirements to unlock them, and category bonuses focused on business expenses: shipping, advertising, internet/phone, and office supplies. Many also offer free employee cards, year-end spending summaries, and higher credit limits.
Important: most business cards require a personal guarantee — your personal credit is on the hook if the business can't pay. The exception is cards like Brex that target established startups without personal guarantees.
You don't need to be incorporated to apply for a business card. Sole proprietors, freelancers, and side hustlers all qualify using their Social Security number.