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.

At a glance

  • Cards compared: 6
  • Issuers: 4
  • Card types: 1 credit card with revolving option, 4 charge cards (pay in full), 1 prepaid card
  • Networks: Mastercard (3), American Express (3)
  • No annual fee: 1 of 6; otherwise €70 to €850 per year
  • No foreign transaction fee: 0 of 6; fee 1.95% to 2%
  • With revolving credit option: 1 of 6; APR 10.05%
  • With travel insurance: 3 of 6
  • No SCHUFA check: 0 of 6

Calculated automatically from the current card data in this comparison.

The best cards compared

Business credit cards, sorted by our league-internal overall score:

  1. Moss Credit Mastercard – Business credit card with spend control – Starter with no base fee. Score: 9.4/10
  2. American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs. Score: 7.6/10
  3. American Express Business Gold Card – Earn points and manage business spending flexibly. Score: 7.6/10
  4. Miles & More Gold Credit Card Business – The miles card for business spending and travel. Score: 7.3/10
  5. Pleo Start Company Card – Company cards with spend management for teams. Score: 7.0/10
  6. American Express Business Platinum Card – Premium business card with lounge access and top services. Score: 6.4/10

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 . Our independent editorial team rates by fixed criteria, not by provider instructions. 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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