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Business Credit Cards for New Businesses

Business Credit Cards for New Businesses

Business Credit Cards for New Businesses is a widely-ranging genre. As a small business owner, what credit card you get to fund business purchases primarily depends on how good your individual credit score is since you will ultimately be responsible for the card's use. Contrary to popular belief, the age of your small business is inconsequential; whether it's a new business or an established one, you will only qualify for a business credit card if your credit standing warrants it. So don't automatically assume that since your business is new, you need to start looking for new business credit cards with no credit. Listed below are small business credit cards for new business owners of all credit levels. Use the filters on the left to sort offers based on your credit standing, rates, and rewards and find the option that best meets your needs.

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    The Business Gold Rewards Card from American Express OPEN

    business amex gold card
    • BALANCE MUST BE PAID IN FULL EVERY MONTH
    • REGULAR RATENot Applicable for Charge Cards
    ANNUAL FEE None 1st yr, $175 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 3 points / $1
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership.
    • Built with business-sized purchasing power and fast rewards.
    • 3X points on airfare purchased directly from airlines.
    • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers.
    • Up to $100,000 in each category per year, then 1 point.
    • Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward.
    • Terms and limitations apply.

     
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    4

    SimplyCash® Business Card from American Express

    american express cash business credit card
    • 0% PURCHASES 9 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.24% - 19.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BASE EARN 1%
    MAX EARN 5%
    • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by February 24, 2015
    • Reinvest in your business with automatic cash back
    • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
    • 3% on the category of your choice and 1% on other purchases
    • On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
    • Terms and limitations apply.

     
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    The Business Platinum Card® from American Express OPEN

    business platinum card
    • BALANCE MUST BE PAID IN FULL EVERY MONTH
    • REGULAR RATENot Applicable for Charge Cards
    ANNUAL FEE $450
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
    • 20% Travel Bonus when using Membership Rewards® Pay with Points
    • A Premium Card with access to over 40 benefits to help power your business
    • Complimentary access to over 600 airport lounges worldwide
    • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
    • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
    • Terms & Restrictions Apply

     
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    Capital One® Spark® Cash for Business

    spark business cash back credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.9% - 20.9% (V)
    ANNUAL FEE $0 for 1st yr, $59 after
    REWARDS Cash Back
    BONUS $250
    BASE EARN 2%
    MAX EARN 2%
    • Earn 2% cash back on every purchase, every day.
    • Get a one-time $250 cash bonus—just spend $5,000 on purchases within the first 3 months
    • Receive a $50 cash bonus by signing up for one or more employee cards.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.

     
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    Ink Cash® Business Card

    ink cash business credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 13.24% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $200
    BASE EARN 1%
    MAX EARN 5%
    • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013.
    • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

     
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    Capital One® SparkSM Classic for Business

    capital one business credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 1%
    • Earn 1% cash back on every purchase, every day.

     
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    4.5

    Capital One® Spark® Miles Select for Business

    capital one business miles credit card
    • 0% PURCHASES until March 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.9% - 20.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.5 miles / $1
    MAX EARN 1.5 miles / $1
    • Earn 1.5 miles per dollar on every purchase, every day.
    • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months.
    • There's no limit to the amount of miles you can earn and miles don't expire.
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.

     
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    Credit One Bank® Credit Card with Gas Rewards

    credit one credit card
    • ANNUAL FEE $35 - $99
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 17.90% - 23.90% (V)*
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    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
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    United MileagePlus® Explorer Card

    united credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.99% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Miles
    BASE EARN 1 mile / $1
    MAX EARN 2 miles / $1
    • Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
    • Check your first bag for free – save up to $100 per roundtrip
    • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
    • Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases
    • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
    • Use your miles for any seat, any time, on any United flight

     
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    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.)

     
    September 24, 2014
    Photo of Angela S.
    By: Angela Szarenski
    A friend of mine recently (about a year ago) opened his own business. He had saved for years and when he finally opened his doors he was strapped financially. The business was (is) doing well but there were a few minor costs that he didn't expect and I know we used a credit card to take care of the unexpected costs. His interest rate wasn't great but he paid off the cost quickly to avoid over paying by much. He also earned quite a bit of bonus cash because of the larger purchases which more than made up for the money he paid in interest. I tell this story because I think if used responsibly a credit card for small business owners can be a great asset and a safety net in certain situations. But it is important to be responsible with its use.
    September 10, 2014
    Photo of Cody B.
    By: Cody Brown
    I think that credit cards are a great asset for new business owners, provided they are responsible enough to handle them. It's easy to let yourself fall into the trap that credit cards carry, which is to spend money frivolously – sometimes on things that just aren't necessary – without having the cash up front, only to find yourself drowning in debt later on. However, a responsible business owner may find that it's one of the most important tools in his/her arsenal. Starting off, it's easy to run out of money, and when it comes time to order necessary supplies, credit cards can be a life saver. A particularly notable card is the Gold Delta SkyMiles Business Credit Card from American Express. With an average interest rate, a low annual fee of only $95 after the first year, and a 30,000 mile bonus with the purchase of $1000 or more in the first 3 months, it's guaranteed to be a great card for any new business owner.
    July 30, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I think that it is a great business decision for new business owners to have a credit card. First of all it makes it a lot easier to track your expenses and inventory and keep it separate from your regular living expenses and transactions. As an accountant, I can personally attest to this! If a person is able to get a credit card with a high enough limit without using a bank for a business loan it is even better because many cards offer 0 interest rates for a promotional period. This gives you time to pay it off when your profits start rolling in as opposed to getting stuck with an interest rate from the bank right off the bat.
    June 5, 2014
    Photo of Christian A.
    By: Christian Avina
    Not only do I think that credit cards are useful to new business owners, but I believe that they are an essential part of any business that wishes to be financially responsible and stable. Because new business owners more often than not lack some capital, having a credit card to make important purchases is a great thing. Without a credit card, a business owner would have to either pay for all business purchases out of his or her own pocket or would have to look into getting a loan from a bank. For someone who is just starting a business, a card with zero interest for at least a few months would be for the best, since most businesses don't really start making any profits until a certain point.
    May 2, 2014
    Photo of Heather P.
    By: Heather Payton
    I believe that credit cards are very helpful for new business owners. They are just getting started and the money that they need to get things going is hard to come by. Especially since they will be spending money before they will be taking in money. So it allows them to spend money and make payments.