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Best Business Credit Cards

Last update: Oct 25, 2014

best-business-credit-card 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 Card

ink plus business credit card Apply Now

  • Purchase Intro APR: N/A
  • Transfer Intro APR: N/A
    • Transfer Fee: 3%
  • Regular APR: 15.24% (V)
  • Annual Fee: None 1st yr, $95 after
  • Rewards: Points
    • Bonus: 50,000 points
    • Base Earn: 1 point / $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
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Chase Slate®

slate credit card 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: The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee more
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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
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Citi® Diamond Preferred® Card

citi diamond preferred card visa Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Transfer Intro APR: 0% for 18 months
    • Transfer Fee: 3% (min $5)
  • Regular APR: 11.99% - 21.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Diamond Preferred Card offers the longest 0% introductory term on the credit card market, at 18 months. While the 0% rate applies to balancemore
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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
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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
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Fair Credit Best Business Credit Cards for Fair Credit
Capital One® SparkSM 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
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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: Don’t let the branding fool you, the Harley Davidson Secured Credit Card is one of the best secured cards on the market given that it doesn’t charge amore
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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

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.

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.)

October 24, 2014
Photo of Dee G.
By: Dee Gee
The best business credit card I know is the one I was given at work; it is the American Express Platinum Business card. The customer service is excellent, and we earn rewards like gift cards and airfare mileage for spending a certain amount of money. We also are able to participate in their Business Insights program to collect data about our customers and use that data to make our products better fit our customers.
September 18, 2014
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By: Mathew Harny
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.
September 10, 2014
Photo of Marc L.
By: Marc Lin
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.
August 20, 2014
Photo of Aloysius C.
By: Aloysius Chien
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.
August 12, 2014
Photo of Marcel G.
By: Marcel Gatete
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!
July 30, 2014
Photo of Stephanie C.
By: Stephanie Collings
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.
July 29, 2014
Photo of Michael N.
By: Michael Nalley
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
Photo of Mary F.
By: Mary Faulkner
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 more
May 1, 2014
Photo of Charlie H.
By: Charlie Heston
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 more
April 7, 2014
Photo of Allie B.
By: Allie Bentley
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!
March 25, 2014
Photo of Ray F.
By: Ray Fath
I recently got the Citi Diamond preferred card and it my new favorite credit card for my business transactions. Although the card doesn't earn any rewards or bonuses the introductory rate of 0% for the first 18 months is just to good to pass up. All purchases and transfers made in the first 18 months will have a 0% APR, This is particularly useful for someone such as my self that has a business in which they purchase materials for projects often. The absorbent rates i was being charged on these purchases was really eating into my profits, this card eliminates these fees which means more profit for my business more
February 19, 2014
Photo of Brianna B.
By: Brianna Byrne
Chase Ink Plus is one of the best credit cards for small businesses and entrepreneurs, in my book. If you can, sign up right before you make a large purchase, because if you spend $5,000 or more in the first three months, you automatically get 50,000 points, which can definitely add up. I also like the low APR of around 15%, as many comparable cards are as high as 20% or more. Also, if you do business abroad, there are no foreign transaction fees, another perk. The only potential is that you need pretty good credit to sign up. If you've got that and you're responsible with your monthly payments, more
February 10, 2014
Photo of Antonya H.
By: Antonya Hall
I think that the best card for business usages is the Capital One Spark Cash for Business. This card is great when it comes to getting the most cash back which is great for small business card owners, who are looking to gain rewards faster and use their awards for business use. That can help save money in the long run. This card is also lower in interest when it comes to making payments and the annual fee is waived the first year which is great for someone who is looking to open a business or if unexpected purchases are needed.
January 27, 2014
Photo of Brandon H.
By: Brandon Hellman
The best credit card for a businesses is the Capital One Spark Cash for Business. The cash back reward that it provides is great for small business owners. Its rewards start out much higher than any other card, so if you're a business owner looking for a credit card, pick up the Spark card.
January 9, 2014
Photo of Bret A.
By: Bret Alan
The best credit card I am aware of and have used was the Chase Ink Plus. I used this card when making purchases from a small business, and we used it enough that the company earned pretty good rewards. There was a $200 signup bonus, great rewards on office supplies, no annual fees, and a zero-interest period. It was comfortable, secure, and the owner of the business I worked with always wanted every purchase, no matter how small on the card because he loved the points and cash back.
December 21, 2013
Photo of Lydia W.
By: Lydia Whitehorn
My absolutely favorite credit card is my Amex Blue Cash Preferred card.
I know a lot of people are hesitant to get/use a card that has an annual fee (this one has a $75 annual fee), but truthfully the Amex Blue Cash Preferred card is so beneficial for those of us whose expenses are more about the normal grocery and gas expenses as opposed to strictly travel expenses. It has one of the best rewards rates at 6% cash back on groceries, up to $6,000 spent per year. And unlimited 3% rewards on gas and department stores. I earn back my $75 annual fee pretty quickly. You also get a more
December 17, 2013
Photo of Frederick C.
By: Frederick Chon
The best business credit card is without a doubt the Citi Diamond Preferred Card. Citi is known for impeccable customer service and they are always trying to please the customer. The 0% APR for 18 months is almost unheard of in the credit card industry and it shows that Citi cares about their customers. The transfer fee is a bit high but that is to be expected for business cards, Citi is offering a top notch business credit card that any business would be stupid not to get!
December 11, 2013
Photo of Dwain C.
By: Dwain Coufal
I've had a PNC Bank Business Card for about 6 years and out of everything, it's the best business card I have. They offer the typical "points program" to receive cash back/discounts on purchases, with percentages based on the type of store and if any specials are going on. However, the kicker here is they offered me the lowest interest rate of any business card I have. They have also been very easy to deal with when situations arose that necessitated calling customer service. Amazingly friendly and they went above and beyond to help me - which was greatly appreciated. I have no complaints about the PNC Bank Business Card more
December 11, 2013
Photo of Denis V.
By: Denis Vegas
I have a checking and savings account with chase for more than 4 years now. I went into the bank and one of the ladies said that I was instantly approved for the Chase Ink Plus Business credit card. I thought I might as well sign up since I get an extra 625 dollars for using the credit card. I was amazed at how fast these reward points kept stacking up. The 5x points per dollar for office supply purchases on the first $50,000 equaled to a ton of money back on purchase I normal don't get too much cash back on. Also the double points on gas and hotel more
December 3, 2013
Photo of Shelly B.
By: Shelly Baxter
The best business credit card I have used has been the Chase Business Ink. The credit limit for this card is really high (15000+) so you’ll have enough funds for your business needs. You also get reward points for each purchase which you can use to redeem for various gift cards or even cash. You get more points for gas so make sure to use this when filling up. The customer service is also top notch. They called me one time just to make sure I had everything I need and even asked about my business so they could find ways to optimize the use of my card.
December 3, 2013
Photo of Jason B.
By: Jason Budley
The Citi Diamond Preferred Card is a very impressive little card that any company should be excited to put to use. The introductory APR is absolutely a blessing, and gives plenty of time to try out the card before tying up any money in interest. Not many competitors come near the 18-month period, making it clear that Citi plans to keep you as a happy customer for quite some time.
November 27, 2013
Photo of John D.
By: John Dancear
The Cash Rewards for Business MasterCard Credit Card is wonderful. First of all, I must say the customer service is excellent. I had a fraudulent charge on my card and I was able to get this issue fixed immediately. I can not stress how excellent the customer service was. They were extremely helpful in getting the charge removed. The card is a great way to earn plenty of cash back. They offer 2% on purchases at restaurants and 3% on certain gas stations. I am very pleased with this card and I LOVE THEIR CUSTOMER SERVICE!!!!!!!
November 27, 2013
Photo of John D.
By: John Dancear
The Capital One Spark Classic for Business is the best business credit card out for those with fair credit. There is no annual fee and this card also offers 1% cash back on all purchases. That definetly adds up! There is also a $0 fraud liability in case your card is ever lost or stolen. So you can feel safe and rack up the rewards!
November 20, 2013
Photo of Tim B.
By: Tim Bull
Hands down the best card I have ever used with my small business is the American Express Open card. This card is specifically tailored to small business and American Express understands the needs of small business. The card helps you with 5% off on office supplies and 100% buyers protection on every purchase. Your rebates build up as credit on each months statement so you always know what you have and can use it your way. A great card by a great company.
November 20, 2013
Photo of Joseph G.
By: Joseph Gordon
When myself and a friend decided to launch our start up, we needed a credit card that wouldn't burn our pocket yet suffice all business needs and the Citi Diamond Preferred Card was our natural choice. There is a 0% interest in purchases for 18 months and that ensured that we could purchase everything needed to set up the office and generate revenue for repaying. Though the balance transfer rates are quite high, i guess its normal for business cards. Unlike other cards, there is no annual fee and thats a huge bonus for me as I had extinguished everything I had for the start up. Its the best business more
November 20, 2013
Photo of Cody D.
By: Cody DeLong
We use the Capital One Spark Cash for Business card because it has given us the most cash back over any other card we use. In our business we are constantly using our card for product and it works great. The card allows us to earn cash back for all of our purchases. The customer service is also amazing! It's great to be able to call Capital One and actually talk to someone in the United States. I don't know how many times on other cards we'd have to talk to someone from another country. The initial bonus we got sure did help with our decision.
November 18, 2013
Photo of Marc L.
By: Marc Lin
I have been using the American Express Small Business (Open) card for years and I have to say it has been the best card I have used for my business (and I use several business cards) because the Small business card from American Express has a 100% protection policy on purchases (I have been ripped off a couple times online and they covered me all the way!) and a nice 5% rebate on cell phone service and office supplies as well as a decent 3% rebate on gas for the cars. These rebates are also paid as a credit on the bill each month and that is way nicer than more
November 4, 2013
Photo of Kyle C.
By: Kyle Curry
My mother in law is a small business owner, one of the biggest problems that she had when she was getting started was finding the right business credit card. After doing research she found the Cash Rewards for Business from Bank of America. We have never had an issue with BOA in the past, and you could not ask for a better card. There is no annual fee, and she is able to earn rewards all the time, just for using her card.
October 29, 2013
Photo of Chris N.
By: Chris No
In my opinion the Slate From Chase card is probably the best on the market for people in business. This card offers 0% interest for 15 months, it also has no transfer fee. One of the best features I've noticed about this card is the interest rate is extremely low it's between 12.99% - 22.99%. The card also has no annual fee which helps with our pockets. The only downside I really see to this card is it offers really no rewards for it's business owners which is kind of a bummer considering everyone likes perks now and again. Overall Slate From Chase card is a great card and would more
October 19, 2013
Photo of Amy F.
By: Amy Fisher
The Chase Ink card is without a doubt the best business credit card currently available. There's no annual fee on this one, and, if you spend $3,000 in the first 3 months, you get 20,000 bonus points. You can also get 5% cash back on lots of things like office supplies and cable.
October 11, 2013
Photo of Daniel L.
By: Daniel Lopez
For my company, the Business Gold Rewards Card from American Express OPEN has been one we’ve relied on for years. Most of our recurring charges are placed on this card. On a given month, we usually charge around ten thousand dollars which also include gas and client dinners. Points rack up easily and we usually use the items offered in exchange for points as gift or raffles for the employees. The only concern other users may have is that the bill has to be paid in full each month but if that’s not a problem for you then this is the card to use.
October 3, 2013
Photo of Corrina H.
By: Corrina Hillegeist
In my opinion the best business card out there is the Capital One Spark Miles for Business card. You earn 2 miles for every dollar spent on each purchase, 10,000 bonus miles when you spend at least $1,000 within the first 3 months, and 5,000 bonus miles when you sign up for one or more employee cards. There is no limit on the miles you can earn, and they never expire. You can also fly on any airline, anytime you want to, and there are no blackout dates or seating restrictions. The interest rates on this card are also fairly reasonable, and so is the annual fee. This card earns more
September 27, 2013
Photo of Chris M.
By: Chris Martin
The Slate card from Chase is a great credit card to help out any small business. I love it because of the great 15 month intro rates; perfect for all those initial expenses in getting your business off the ground. The interest rate after that is very competetive as well, especially when you consider there is no annual fee. There's no transfer fee, either, so while there is no rewards for using this card, it's a great card to transfer your reward card balances to!
September 27, 2013
Photo of Michelle W.
By: Michelle Williams
The best business credit card is definitely the Ink Plus Business Card. It offers great rewards that can help your business. It gives you 50,000 bonus points after your first three months if you spend $5,000, which shouldn't take that long to most businesses. You also earn 5X points per dollar at office supply stores, cell phones, landlines, internet, and TV. All of which most businesses already have, and this is a nice way to get some rewards towards these. If you do a lot of traveling for your business, you also earn 2X points per dollar on gas. Additionally, you get 20% off when you book flights, hotels, and more
September 10, 2013
Photo of Janice K.
By: Janice Krone
The Slate Chase credit card is great for businesses. Some of the best things about this card that other similar ones don't offer are a no balance transfer fee, 0% intro APR available for the first 15 months, and no annual or monthly fees. The only downside is that this card doesn't offer any rewards, while there are a few similar credit cards that do. All in all, this is an excellent card if you don't care about getting rewards out of your business card.
September 10, 2013
Photo of Tysen W.
By: Tysen Weber
The Chase Ink Plus card is my most valuable card that I keep in my wallet and should be on the short list for any small business owner. My favorite benefit is the 5 points back per dollar at office supply stores and telecommunications. Even if you do not do much of your shopping at Staples or Office Depot, you can easily switch a large amount of your spending to those stores to take advantage of the 5 points back. Each store has racks of gift cards that can be purchased with your ink card which makes it possible to get points back for a wide range of stores by more
September 6, 2013
Photo of Chris M.
By: Chris Martin
The Citi Diamond Preferred card is easily one of the most useful cards you can have in your small business wallet. 18 months of 0% APR for both new purchases and transfers is a great deal, much longer than you can find with most business cards. There's also no annual fee, so you never feel like you're paying to not use it. The non-intro APR is also very competitive, with some of the lowest rates available. No real reward program here, just a great way to save money. Really shines when you use it in conjunction with another card, but watch out for the 3% fee on balance transfers. Still, more
September 6, 2013
Photo of John W.
By: John Williams
For owning a small business I have to have credit available to me for travel and purchases. I use the Ink Plus Business Card, because it has a low interest rate and the added rewards that I earn on the card really help when I am traveling to the different parts of the country. I was able to earn the 50,000 bonus points within the first 3 months, which was easy to do because of normal business expenses. The added benefit of receiving 20% off of travel expenses through their Ultimate Rewards program makes it that much more attractive. This is a great card to have for a business owner.
August 30, 2013
Photo of Lucy M.
By: Lucy Morgan
The Chase Slate card has been the most beneficial credit card to me in my business dealings. It has a high cash balance available relative to credit limit, and I have had to use that cash in an emergency to cover my store rent when my clients hadn't paid me on time. In addition, the higher cash advance APR is paid off before the lower purchase APR is, making paying off the card easier. Chase Slate also occasionally offers paper checks that you can use to pay associates that do not accept credit cards. These are more convenient than going to the ATM and taking the extra step of getting more
August 9, 2013
Photo of Jordan W.
By: Jordan Webb
I really love the Amazon Credit Card. Normally, I'm not a proponent of store credit cards, but I am a sucker for Amazon and buy tons of stuff from them. Because of this, the rewards program is great for me, and the relatively low interest rate for a store card helps me build up my credit. They are very lenient towards your payments.
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