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Best Business Credit Cards

Last update: Dec 15, 2014

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 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 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
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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
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.)

 
Nov 18, 2014
By:
Nov 18, 2014
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 more
Nov 13, 2014
By:
Nov 13, 2014
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.
Oct 24, 2014
By:
Oct 24, 2014
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.
Sep 18, 2014
By:
Sep 18, 2014
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:
Sep 10, 2014
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:
Aug 20, 2014
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:
Aug 12, 2014
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:
Jul 30, 2014
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:
Jul 29, 2014
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:
May 21, 2014
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
By:
May 1, 2014
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
Apr 7, 2014
By:
Apr 7, 2014
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!
Mar 25, 2014
By:
Mar 25, 2014
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
Feb 19, 2014
By:
Feb 19, 2014
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
Feb 10, 2014
By:
Feb 10, 2014
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.
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