We asked 4 AI models to recommend the top business credit cards for startups. Here's what GPT-4.1, Gemini, Grok, and Llama agree on.
🏆 AI Consensus Winner: Chase Ink Business Preferred — recommended by 1/4 models
🔴 AI Confidence: LOW — no clear winner
AI Consensus
These products were recommended by multiple AI models:
- Capital One Spark Cash for Business
- Capital One Spark Cash Plus
- American Express Blue Business Cash Card
What Each AI Recommends
| Rank | GPT-4.1 | Gemini | Grok | Llama |
|---|---|---|---|---|
| 1 | Chase Ink Business Preferred | Ink Business Preferred Credit Card | Brex Card | Capital One Spark Cash for Business |
| 2 | American Express Business Gold | Ink Business Unlimited Credit Card | Ramp Card | Chase Ink Business Cash Credit Card |
| 3 | Capital One Spark Cash for Business | Capital One Spark Cash Plus | Chase Ink Business Unlimited Credit Card | American Express Blue Business Cash Card |
| 4 | Bank of America Business Advantage Cash Rewards | American Express Blue Business Cash Card | American Express Blue Business Plus Credit Card | Brex Business Card |
| 5 | CitiBusiness / AAdvantage Platinum Select | - | Capital One Spark Cash Plus | Ramp Business Credit Card |
Best For Your Needs
- Best overall: Capital One Spark Cash for Business
- Best free option: Capital One Spark Cash Plus
- Best for small teams: American Express Blue Business Cash Card
- Best for enterprises: Capital One Spark Cash for Business
Methodology
We asked each AI model: "What are the Top Business Credit Cards For Startups? List your top 5 recommendations."
Models used: GPT-4.1 Nano (OpenAI), Gemini 2.5 Flash (Google), Grok 4.1 Fast (xAI), Llama 4 Scout (Meta). No web search was enabled — these are pure AI opinions based on training data.
The "AI Consensus" shows products mentioned by 2 or more models. The winner is the product that appears most frequently in the #1 position.