5 best small business credit cards for perks you’ll actually use in 2026
#small business credit cards #business rewards #travel rewards #airport lounge access #employee cards #tech credits #2026 business finance #CNBC Select
📌 Key Takeaways
- Five top business credit cards with practical benefits for 2026
- Options for different business needs including travel rewards, lounge access, and tech credits
- Business owners can use SSN instead of EIN for sole proprietorship applications
- Each card offers unique welcome bonuses and earning structures
- CNBC Select evaluates cards based on value and flexibility for various business types
📖 Full Retelling
CNBC Select published an article on February 23, 2026, highlighting the five best small business credit cards offering practical perks that business owners can actually utilize in their operations. Written by Lead Reporter Jasmin Suknanan, the comprehensive guide evaluates various credit cards based on their benefits, rewards structures, and value propositions for different types of businesses. The article serves as a valuable resource for entrepreneurs seeking to maximize their business expenses through strategic credit card usage.
The featured cards include the Ink Business Preferred Credit Card, which offers excellent travel rewards with 3X points on up to $150,000 spent on travel and select business categories; the Chase Sapphire Reserve for Business, providing premium airport lounge access through Priority Pass membership and the Chase Sapphire Lounge network; the Capital One Venture X Business, which stands out for offering free employee cards; the Blue Business Plus Credit Card from American Express, ideal for earning rewards on office supplies; and the Business Platinum Card from American Express, featuring valuable credits on tech purchases. Each card comes with different welcome bonuses, annual fees, and earning structures tailored to various business needs.
The article emphasizes that business owners don't necessarily need an Employer Identification Number (EIN) to obtain a business credit card, as freelancers, gig workers, and other sole proprietors can apply using their Social Security Number. CNBC Select's evaluation considers factors such as rewards flexibility, annual fee value, welcome bonuses, and additional benefits to help business owners make informed decisions based on their specific spending patterns and priorities.
🏷️ Themes
Business Credit Cards, Financial Perks, Small Business Finance, Travel Rewards
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Original Source
You don't need an EIN to get a business credit card if you're a freelancer, gig worker or other sole proprietor . You can just use your Social Security Number in this case. "}},{"@type":"Question","name":"Can you use business credit cards for personal expenses?","acceptedAnswer": },{"@type":"Question","name":"What's the easiest business credit card to get approved for?","acceptedAnswer": }]} Skip Navigation Loans Find the Best Personal Loan for You Find the Best Home Equity Option for You Best Personal Loans Best Debt Consolidation Loans Best Loans to Refinance Credit Card Debt Best Loans with Fast Funding Best Small Personal Loans Best Large Personal Loans Best Personal Loans to Apply Online Best Student Loan Refinance Best Car Loans Credit Cards Find the Credit Card for You Best Credit Cards Best Rewards Credit Cards Best Travel Credit Cards Best 0% APR Credit Cards Best Balance Transfer Credit Cards Best Cash Back Credit Cards Best Credit Card Sign-Up Bonuses Best Credit Cards to Build Credit Best Credit Cards for Online Shopping Mortgages Find Mortgages Best Mortgages Best Mortgages for Small Down Payment Best Mortgages for No Down Payment Best Mortgages for Average Credit Score Best Mortgages No Origination Fee Adjustable Rate Mortgages Affording a Mortgage Taxes Filing For Free Best Tax Software Best Tax Software for Small Businesses Tax Refunds Tax Brackets Tax Tips Taxes By State Tax Payment Plans Insurance Find the right coverage for you Best Life Insurance Best Life Insurance for Seniors Best Homeowners Insurance Best Renters Insurance Best Car Insurance Best Pet Insurance Best Boat Insurance Best Motorcycle Insurance Best Travel Insurance Event Ticket Insurance Banking Find the Savings Account for You Best High Yield Savings Accounts Best Big Bank Savings Accounts Best Big Bank Checking Accounts Best No Fee Checking Accounts No Overdraft Fee Checking Accounts Best Checking Account Bonuses Best Money Market Accounts Best CDs Best Credit Unions +More Small ...
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