Ad Disclosure

Best Business Credit Cards

Last update: Mar 30, 2015

best credit card deals Business credit cards are extremely useful because they allow you to effectively track business spending as well as give cards with customizable limits to your employees and earn rewards on their spending. Our editors believe that the products listed below (some of which originate from CardHub advertising partners) are the best business credit cards because they combine most, if not all, of the following features: 0% purchase intro rate, a low balance transfer intro rate, and great rewards for every dollar spent. It's important to note that some of our editor's picks for the best small business credit cards are not actually cards branded for business use. General-consumers credit cards are actually better than business credit cards for funding purposes given that they benefit from protection under the CARD Act, which means issuers cannot increase interest rates on existing debt unless you are 60 or more days delinquent.

Excellent or Good Credit Best Business Credit Cards for Excellent or Good Credit
Ink Plus® Business Credit Card

chase ink plus Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3% (min $5)
  • Regular APR: 15.24% (V)
  • Annual Fee: None 1st yr, $95 after
  • Rewards: Points
    • Bonus: 50,000 points
    • Base Earn: 1 points / $1
    • Max Earn: 5 points / $1
  • Editor's Notes: There are a few things that one should look for in a rewards credit card, whether it’s for business or personal use. Among the most important are an more
  • Learn More »
Chase Slate®

chase slate Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Transfer Intro APR: 0% for 15 months
    • Transfer Fee: None
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0
  • Rewards: None
  • Editor's Notes: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
  • Learn More »
Capital One® Spark® Cash for Business

spark business cash back credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 13.9% - 20.9% (V)
  • Annual Fee: $0 for 1st yr, $59 after
  • Rewards: Cash Back
    • Bonus: $250
    • Base Earn: 2%
    • Max Earn: 2%
  • Editor's Notes: Small business owners are busy people, which means it's important for them to balance value and convenience with their credit cards. While many cardsmore
  • Learn More »
 
Citi Simplicity® Card

citi simplicity credit card Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: 0% for 18 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Simplicity Card offers the longest 0% introductory period on the market, at 18 months. The 0% rate is applicable to both new purchases and bmore
  • Learn More »
Cash Rewards for Business MasterCard® Credit Card

cash rewards for business mastercard credit card Apply Now

  • Purchase Intro APR: 0% for 9 months
  • Transfer Intro APR: N/A
    • Transfer Fee: 4%
  • Regular APR: 11.24% - 21.24% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 3%
  • Editor's Notes: Bank of America has long stood head and shoulders above the rest of the industry when it comes to small business card protections. Each of the the fomore
  • Learn More »
Club Carlson Business Rewards Credit Card

club carlson business rewards credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 13.99% - 22.99% (V)
  • Annual Fee: $60
  • Rewards: Points
    • Bonus: 85,000 points
    • Base Earn: 5 points /$1
    • Max Earn: 10 points / $1
  • Editor's Notes: The consumer version of this card was actually on our Best Credit Cards for Summer Travel list because its initial bonus is that good. If you're a bumore
  • Learn More »
Fair Credit Best Business Credit Cards for Fair Credit
Capital One® Spark® Classic for Business

capital one business credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: None
  • Regular APR: 22.9% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 1%
  • Editor's Notes: When working to improve your credit standing, the most you can really hope for is a lack of an annual fee so that you can avoid wasting money on the pmore
  • Learn More »
Bad Credit Best Business Credit Cards for Bad Credit
Harley-Davidson® Secured Credit Card

harley davidson secured credit card Apply Now

  • Min Deposit: $300
  • Annual Fee: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.99% (V)
  • Editor's Notes: Best Fully Secured Card. Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards onmore
  • Learn More »
About our Editor's Picks

Our editors' recommendations for the Best Business Credit Cards are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

What's the best way to use a business credit card?

By: Odysseas Papadimitriou, CardHub CEOA business credit card can obviously be used both as a transaction vehicle (i.e. to make purchases, track spending, etc.) and to fund a small business. However, thanks to a credit card law that became effective in February 2010, a personal credit card is actually the best credit card for small business spending that will lead to an end-of-month balance. In addition to supplementing the consumer credit card bill of rights, this law made it illegal for credit card companies to apply increased interest rates to existing balances held on personal credit cards unless you are at least 60 days delinquent. This makes business credit cards, which were excluded from the law.s protections, riskier to use for this purpose since the interest rate can change at any point in time. As a result, we recommend that the best business credit cards within this section should only be used for purchases that will be paid for in full by the end of the month.

Do business credit cards with no personal liability exist?

By: Odysseas Papadimitriou, CardHub CEONo. A small business credit card with no personal guarantee is merely a myth. Unless your company is large, a credit card company will hold both you and your business liable for credit card misuse no matter what kind of card you're using. Therefore, even the best small business credit card will not protect you personally, and you will be required to provide your Social Security Number (SSN) when applying for any of the products listed on this page.

Does my business' credit standing matter?

By: Odysseas Papadimitriou, CardHub CEOIt does, but your personal credit standing usually matters even more. Since you are personally responsible for the use of a business credit card, banks typically focus on your credit history, which is usually longer than that of your business, to assess your risk. Therefore, while many new business owners believe they must get business credit cards for new businesses, you should actually focus your search on getting the best business credit card possible based on your personal credit score.
COMMUNITY DISCUSSION

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
Mar 19, 2015
By:
My favorite card in the business category is the Ink Plus® Business Credit Card because it has excellent reward system, and a high maximum credit limit. This is perfect for my small event planning business. They also provide a very low interest rate, which is fair, for the usage I do. I did quite a bit of research to decide on this card, as I wanted something that would be perfect for my usage!

I highly recommend this card to other small business owners.
Feb 26, 2015
By:
Having bad credit makes getting a decent business credit card a problem, or it can. That's why finding the Harley-Davidson® Secured Credit Card was so amazing. No one time fees, no fees annually and no monthly fees, make this the best secured card I have ever had for my business usage. The interest rates on my purchases are reasonable, plus it only required a $300 opening deposit to start using it. I think I am in love with the Harley-Davidson® Secured Credit Card, this will surely be a long term business relationship. There are few credit cards that have given me so much convenience with so little hassle. I never would have believed such great financial ease could come from a product made by Harley Davidson. It makes you feel born to be wild. Or at least want to party like a rock star.
Feb 18, 2015
By:
I enjoy the American Express Small Business Open card because it has NO fees, 5% cash rebates, and my personal favorite, the 3% rebate on gas. Furthermore, partner rebates for doing business for hotels and utilizing airline can be beneficial to the travelers which my family are. I love this card and it is great for personal checking and it business expenses.

I've been in business for about four years now and this card has held my expenses and fees to an all time low. It is the perfect companion to assist me with acquiring the materials I need to be successful in my business. My peers also use this card because of the no fees and the Rebates. We all travel together with our cards.
Feb 10, 2015
By:
I currently have the Visa by Citibank and I am not very please with their customer service or their card. Too many fees and just not very customer friendly in my honest opinion, they do not seem to understand a small business and treat everyone like a huge conglomerate. The Slate card by Chase by far seem to be the best choice for a small business. The intro APR rate has the best 0% term and the Annual fee being 0 is a big plus.This alone is a huge savings especially for the small business owner such as myself. I do think that the only drawback would be the cash-back or at least a minimal rewards program. Even a business owner would be looking for this type of perk to save on expenses. I also like that is is a Visa card which is able to be used anywhere in the world.
Nov 18, 2014
By:
I think that the best business card is the Slate card by Chase. I love this card because they offer 0% APR interest on purchases for 15 months and they also offer 0% APR interest on balance transfer to the card for 15 months. This is extremely useful if you are trying to finance or pay off debt to a credit card because you can pay it off at your leisure without having to worry about paying interest. I got the Slate card because I was carrying a large balance on another credit card that was charging me interest. I was able to transfer the balance to the Slate card and then pay it off without paying any interest for 15 months.
Nov 13, 2014
By:
For a small business owner, having a zero percent APR and no annual fee is a great opportunity. Getting a business loan in this period following the Great Recession is not easy, and making a profit in the current climate of lack and financial conservation are formidable challenges. The Chase Slate card helps with these challenges by affording the option to charge necessary items, even inventory stock, for a year and a half and sell them for a profit without paying interest. This option seems much more secure and viable than putting up collateral for a business loan.
Sep 18, 2014
By:
I was given a Chase Business Card for my work purchases. It is just as good as my previous card, but also offers rewards and travel miles. It has been an added bonus to my work.
Sep 10, 2014
By:
I like the American Express Small Business Open card: It has NO fees, 5% cash reabtes on cell phone service and office products and 3% rebates on gas. 1% rebates on everything else. Also they have a variety of partner rebates (also in cash) for things like hotels and airline fares (specific aitlines and hotels only.) There are many other perks too that I cannot recall since I do not do very much business stuff. However, I say check it out if you need a small business card.
Aug 20, 2014
By:
Honestly, as a person with a damaged credit score, the Harley-Davidson Secured Credit Card was a godsend. It helped me get back on my feet—no setup fees, no annual fees, no nothing. The APR is on the high end at 22.99% but for people with bad credit, you’re much more careful to run up your card more than you can pay so it doesn’t matter much. The fact that it’s a secured card and still offers rewards (granted for Harley dollars) makes it a solid card to have.
Aug 12, 2014
By:
I have been a Chase loyal customer for ages now and their Ink Plus Business Card doesn't disappoint. I got it two years ago and it has helped me grow my business considerably. I have no difficulty clearing the debt and the rewards it gives me while shopping are incomparable. I definitely would recommend it to anyone who wants to grow their business!
Jul 30, 2014
By:
I would highly recommend the Capital One Sparks card to any small business owner. They are very lenient and make a good first card for a person who has just started their own business. They were the only ones to give me a shot when I started my business. I have had to use their customer service line on several occasions over the years and I have always received excellent, courteous service from them.
Jul 29, 2014
By:
I greatly recommend the Citi Diamond Preferred Card. Citi is a reputable business with years of experience. Their offer for 0% APR for 18 months is excellent for anyone just starting out. They really want their customers to have the opportunity a business needs to get on their feet. Their transfer fee is negligible, but it shouldn't impact your decision because it's not always applicable. This card is the safest choice above all the others, I highly recommend the Citi Diamond Preferred Card, you won't regret it!
May 21, 2014
By:
I am in LOVE with my Capital One Spark card. I am able to keep all of my business transactions in one place. I was turned down by numerous other credit cards when I first opened my business and I was pleasantly surprised when I was accepted by this one. I have only had to call customer service once when there was a duplicate charge on my account but my issue was quickly resolved when the rep explained that it was only a pending charge. I highly recommend this card for someone just starting their business who needs a little bit of an advantage to purchase inventory. It also helps that you earn cash back as every cent counts when starting out!
May 1, 2014
By:
Amex Gold is a good first card. You'll need to guarantee it personally if you don't have established business credit but it's hard to get around that with any company. I use the Platinum and Plum Cards now which both have their benefits.
Amex charges a yearly fee (I think $150 for Gold, usually first year free) but they are very flexible with limits and will help you grow.
When I first started my business I had little to no credit but I was able to use my Amex to pay my vendors and charge up 25-40k+ a month. Most of my customers were on 30 day terms so having access to that credit line was key. There is no way I would have been able to put that on a regular credit card.
Apr 7, 2014
By:
The Capital One Spark Cash Business Card has given me nothing but satisfaction since I got one to use for my business. There is no doubt the $250 bonus is nice, and the base/maximum earnings are set higher than some and not based on fluctuating "points" like others. The annual fee is not as high as many business cards, particularly since you get the first year free, and the regular APR is low and very manageable. With no transfer or purchase intro APR fees, it's convenient to use the card in any situation. Very highly recommended!
Page: 1 · 2 · 3 · 4 · 5
Credit Cards Prepaid Cards Gift Cards Tools