Best business cards for building credit.
Build your business credit score from day one. These cards report to major business credit bureaus.
Best Business Cards for Building Credit, compared.
Side-by-side comparison of the top picks.
Ink Business Cash Credit Card
Chase
Costco Anywhere Visa Business Card
Citibank
Ink Business Preferred Credit Card
Chase
Bank of America Business Advantage Customized Cash Rewards
Bank of America
From formation to first purchase in minutes.
Form Your Company
Lovie handles your LLC or Corp formation with AI — state fees included.
Get Your Card
You get a virtual card right away. Physical card ships the same day.
Set Controls
Set limits, block merchants, manage team access — from the dashboard or by asking your AI.
Start Spending
Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.
Your business card should work as fast as your AI.
A card that keeps up with how you actually work.
Instant Issuance
Your card is ready the moment your company is. No approval wait, no separate application.
Smart Spending Controls
Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.
MCP-Native
Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.
Build Business Credit
Every purchase reports to major credit bureaus. Your company builds credit automatically.
No Foreign Transaction Fees
Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.
One Platform, Everything
Formation, banking, and cards in one dashboard. You stop juggling logins.
Card-by-card breakdown.
Ink Business Cash Credit Card
Chase
Ink Business Cash Credit Card offers 5% on first $25k at office supply stores and internet/cable/phone; 2% on first $.
Costco Anywhere Visa Business Card
Citibank
Costco Anywhere Visa Business Card offers 4% on gas (first $7k/year), 3% on restaurants/travel, 2% at costco, 1% all other.
Ink Business Preferred Credit Card
Chase
Ink Business Preferred Credit Card offers 3x points on first $150k in travel, shipping, internet, cable, phone, advertisin.
Bank of America Business Advantage Customized Cash Rewards
Bank of America
Bank of America Business Advantage Customized Cash Rewards offers 3% in one category of choice (from 6 options), 2% on dining, 1% all other; 3%/2%.
Wells Fargo Signify Business Cash Card
Wells Fargo
Wells Fargo Signify Business Cash Card offers unlimited 2% cash rewards on purchases.
Capital One Spark Cash Plus
Capital One
Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase; 5% on hotels/rentals via capital one t.
Capital One Spark Miles for Business
Capital One
Capital One Spark Miles for Business offers unlimited 2x miles on every purchase; 5x on hotels/rentals via capital one trave.
Citi / AAdvantage Business World Elite Mastercard
Citibank
Citi / AAdvantage Business World Elite Mastercard offers 2x aadvantage miles on american airlines purchases, car rentals, gas, cable/sate.
Related reading
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Alternatives
Beyond business cards: the full Lovie platform
A business card is one piece of your financial stack. Lovie brings formation, banking, equity, and compliance together so founders can focus on building.
Starting a business requires more than the right credit card. Lovie helps founders incorporate their LLC or C-Corp in Delaware or Wyoming in under two minutes.
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token operations and treasury management platformBusiness cards work best when paired with a banking stack that understands how modern startups operate, from automated bill pay to API-driven transactions.
agent-native banking designed for AI-first startups