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Best Business Credit Cards

Last update: Jun 30, 2015

best credit card deals Business credit cards allow us to effectively track company expenses as well as give cards with customizable limits to employees, thus earning rewards on their spending.

However, business credit cards are not covered by the CARD Act, which means they don’t benefit from protections like those outlawing universal default, unfair payment allocation and, most importantly, arbitrary interest rate increases. Nearly all major credit card companies retain the right to jack up the cost of your debt at will – especially troublesome considering most issuers report account information to users’ personal credit reports and hold them personally liable for debt.

That’s why our editors compared both business and general-consumer cards – 1,000+ offers in total – in making their selections for 2015’s Best Business Credit Cards. These offers (some of which come from CardHub sponsors) excel in the various categories most important to small business owners – approvability, lucrative rewards, 0% rates and/or CARD Act Protection.

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 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 imore
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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: None
  • 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
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Capital One® Spark® Cash for Business

capital one spark cash 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: $500
    • 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 cards more
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Citi® Diamond Preferred® Card

citi diamond preferred card Apply Now

  • Purchase Intro APR: 0% for 21 months
  • Transfer Intro APR: 0% for 21 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 21 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

  • 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 five yemore
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Club Carlson Business Rewards Credit Card

club carlson business rewards credit card

  • 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 Travel list because its initial bonus is that good. If you're a business more
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Fair Credit Best Business Credit Cards for Fair Credit
Capital One® Spark® Classic for Business

capital one spark classic 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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Staples® Business Credit Card

staples business credit card

  • Purchase Intro APR: 0% for 6 - 18 months
  • Transfer Intro APR: N/A
    • Transfer Fee: N/A
  • Regular APR: 14.99% - 23.99% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: $50
    • Base Earn: 5%
    • Max Earn: 5%
  • Editor's Notes: Store credit cards are often useful, both for the discounts they earn you on purchases with the respective retailer and because they often have lower more
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Bad Credit Best Business Credit Cards for Bad Credit
Harley-Davidson® Secured Credit Card

harley davidson secured credit card

  • 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
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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.)

 
May 23, 2015
By:
I have credit cards from most of the top banks for their promotions. My favorite one out of all the cashback ones it the Chase freedom card. What makes the Chase freedom card stands out from the rest that I have is that the cashback can be redeemed as a check, balance credit or for a discounted card. Most of the major cards offer discounts on gift cards but with the rest of online giftcard resellers like ABC giftcards, giftcards.com, Ebay, etc, I could simply buy discounted gift cards from them using the 100% redemption I get from my cashback.
May 12, 2015
By:
I'm a big fan of the Staples Business Credit Card. It's got great interest, itemized billing, amazing rewards which save you a lot of money on supplies over time, and a great intro apr. It's perfect for a small business. Not to mention the amazing customer service and transparency of the terms. No bait and switch or tricks here.
May 4, 2015
By:
Ink by Chase is the best business card I've used. It allows you to easily track your spending by category. You can also set spending limits if you have other users with cards on your account. On top of that, you can take advantage of some great rewards and there's no charge for foreign transactions, unlike some cards. This is a very versatile card that will help you save money and improve your business operations. The APR is also very low. I feel the card is the best card for business owners.
Apr 30, 2015
By:
I didn't have the best credit when I first searched for a Business Credit Card as I'm sure is the case with a lot of people. Because of that I went with the Capital One Spark card for Business and it was a great decision. The lack of an annual fee was a plus and so was the percentage you get on cash back. I really didn't expect to get anything like that so the fact that I did was a huge bonus. This card is recommended highly for people in a intro type of business situation.
Apr 20, 2015
By:
In my opinion the best business card for business is the chase ink card because it offers alot of rewards and 0 foreign transaction fee.
Apr 6, 2015
By:
The best Business Credit Card that I know about would have the be the American Express Business Card. This card has many benefits that would be extremely beneficial to the card holder. The American Express card, for starters has several rewards that a business owner would love. One of those rewards is the gas rebate, which helps the business owner to earn gas based on the amount they spend. In addition, the card provides the business owner with NO FEES, this alone is one of the reasons why I say this card is the best. There are other features, such as cash rebates that the business owner will enjoy as well, which is why I feel the card is the best card for business owners.
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.
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