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Business Credit Cards for New Businesses

The first thing you need to know about business credit cards is that your odds of approval actually depend mostly on your personal credit standing and not on the age of your business. That’s why issuers request your Social Security Number. The term “business credit cards for new businesses” – which countless aspiring entrepreneurs seek out – is therefore something of a misnomer. As a result, small business credit cards for new business owners of all credit levels are displayed below (certain offers are issued by CardHub advertising partners). Customizing the offers that we display based on your credit…show more

    Ink Cash® Business Credit Card


    chase ink cash
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% (min $5) Transfer Fee
    • Regular Rate 13.24% (V)
    • Annual Fee None
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $200
    • Minimum Credit Excellent
    • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
    • 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
    • See All Reviews & Details About The Ink Cash® Business Credit Card

    Capital One® Spark® Cash Select for Business


    capital one business cash credit card
    • 0% Purchases until September 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5% cash back
    • Rewards Bonus $100
    • Minimum Credit Excellent, Good

    U.S. Bank Business Edge™ Cash Rewards Card


    business edge cash rewards card
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.99% - 17.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus None
    • Minimum Credit Excellent

    Capital One® Spark® Miles Select for Business


    capital one business miles credit card
    • 0% Purchases until September 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    • Annual Fee None
    • Rewards Rate 1.5 miles / $1
    • Rewards Bonus 10,000 miles
    • Minimum Credit Excellent, Good
    • 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.
    • Miles don’t expire, and there are no categories to limit where or what you buy
    • 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.
    • See All Reviews & Details About The Capital One® Spark® Miles Select for Business

    Ink Plus® Business Credit Card


    chase ink plus
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% (V)
    • Annual Fee None 1st yr, $95 after
    • Rewards Rate 1 - 5 points / $1
    • Rewards Bonus 50,000 points
    • Minimum Credit Excellent
    • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards
    • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
    • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year
    • Chip-enabled for enhanced security at home and abroad when you make purchases at chip-enabled card readers
    • See All Reviews & Details About The Ink Plus® Business Credit Card

    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 Rate 2% cash back
    • Rewards Bonus $250
    • Minimum Credit Excellent, Good
    • 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
    • Cash rewards don’t expire, and there are no categories to limit where or what you buy
    • 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.
    • See All Reviews & Details About The Capital One® Spark® Cash for Business

    Capital One® Spark® 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 Rate 1% cash back
    • Rewards Bonus None
    • Minimum Credit Fair, Limited History

    The Blue for Business® Credit Card from American Express


    amex blue business
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.24% - 19.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 10,000 points
    • Minimum Credit Excellent, Good
    • Earn a 30% annual Relationship Bonus – without an annual membership fee
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership – valued at up to $100 in gift cards at select merchants
    • Use points to reinvest in your business and reward your employees and clients.
    • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
    • Terms & Restrictions Apply.
    • See All Reviews & Details About The The Blue for Business® Credit Card from American Express

    The Enhanced Business Gold Rewards Card from American Express OPEN


    american express business gold
    • Charge Card Balance must be paid in full each month
    • Regular Rate Not Applicable for Charge Cards
    • Annual Fee None 1st yr, $175 after
    • Rewards Rate None
    • Rewards Bonus 25,000 points
    • Minimum Credit Excellent, Good
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
    • Now, Choose where you earn more: 3X points on one of the 5 categories below
    • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
    • 2X points on the 4 remaining categories and 1X points on other purchases
    • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
    • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
    • Terms and limitations apply.
    • See All Reviews & Details About The The Enhanced Business Gold Rewards Card from American Express OPEN

    SimplyCash® Business Card from American Express


    american express simplycash
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 12.24% - 19.24% (V)
    • Annual Fee $0
    • Rewards Rate 1% - 5% cash back
    • Rewards Bonus $250 statement credit
    • Minimum Credit Excellent, Good
    • 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 June 23, 2015
    • With no annual membership fee, it’s a smart choice for your business
    • 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.
    • See All Reviews & Details About The SimplyCash® Business Card from American Express
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    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Community Discussion

    Ask a question or help others find the best credit card by sharing some tips.

     
    Mar 5, 2015
    By:
    I feel that credit cards are useful but not for first time business owners. What if the business is not successful? Then the owner is stuck with a credit card bill and the fees. I think the company should build and grow first and then once they are secure enough then credit cards could be an option. There are programs available that assist first time business owners.
    Dec 23, 2014
    By:
    I honestly believe that credit cards are useful but can be detrimental for new business owners. In my experience, I have relied little on credit and more on debit because credit builds incredible debt. Some cards are great for acquiring rewards but those still acquire debt too. Maybe the best benefit is that businesses can benefit from using credit cards instead of writing and mailing checks and dealing with the hassle of more paper-based transactions.
    Oct 8, 2014
    By:
    I would caution against getting a business card for your business unless it is warranted. First of all, It is based on your credit, not the business, so if you have bad credit, you may not get a card. If you do get one, do not put personal expenses. Many business owners co-mingle their grocery bills with those of the business, and get themselves in hot water. Also be realistic about your limits; you could be appropriating more than you are bringing in. In many cases a small business loan would probably be better.
    Oct 2, 2014
    By:
    Credit cards are definitely useful for business owners. I use the Ink Cash Business Card from Chase. I love this card because they give you a really large credit limit. This is really useful because can buy all the things you need for your business with the card. Business have several expenses so you would need a large credit line so you can charge them to your card. The Ink Cash Business Card also has a rewards program where you can earn cash back. If you use this for your business you will get cash back pretty fast because you’ll be gaining points quicker and can redeem for the $25 cash back option.
    Sep 24, 2014
    By:
    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.
    Sep 10, 2014
    By:
    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.
    Jul 30, 2014
    By:
    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.
    Dec 26, 2014
    Photo of Cou P.
    I agree that having a credit card for your small business comes in very handy in helping you stay organized. Just as long as you don't start mixing business with personal expenses. Credit cards can be a scary thing for some people but it's also a great way to build a strong foundation when it comes to responsibilites.
    Jun 5, 2014
    By:
    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
    By:
    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.
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