Business credit cards compared 2026
We rate business credit cards in their own league: the annual fee is tax-deductible, public user reviews are rare, and the requirements (spending limits, travel benefits, accounting integration) differ greatly from personal cards. That is why we rank them separately and award an “editorial recommendation” instead of a test winner.
What matters in a business credit card
- Clear cost structure – annual fee tax-deductible, transparent extra costs.
- Travel and insurance benefits – important for business trips and rental cars.
- Accounting integration and spend control – receipts, limits, multiple cards.
- Rewards programme – points or miles as added value at high spend.
The best cards compared
Business credit cards, sorted by our league-internal overall score:
- Pleo Starter Company Card – Company cards with spend management for teams. Score: 10.0/10
- American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs. Score: 8.8/10
- American Express Business Gold Card – Earn points and manage business spending flexibly. Score: 8.3/10
- Miles & More Gold Credit Card Business – The miles card for business spending and travel. Score: 7.9/10
- American Express Business Platinum Card – Premium business card with lounge access and top services. Score: 6.2/10
How we rate
Every card gets a transparent overall score from real conditions, plus a statistically smoothed community signal and an interest safeguard against expensive interest traps – independent, with no commissions and no affiliate links. For this page we additionally tuned the weighting to the specific usage context. See our methodology page for exactly how the score is calculated, step by step. All information is provided without guarantee; the respective provider's conditions prevail.
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