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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.

Narrow your search for Business Credit Cards for a New Business

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    4

    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%
    • 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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    4

    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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    4.5

    Capital One® Spark® Cash Select for Business

    capital one business cash credit card
    • 0% PURCHASES until May 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.9% - 20.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn 1.5% cash back on every purchase, every day.
    • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.

     
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    3

    U.S. Bank Business Edge™ Cash Rewards Card

    business edge cash rewards card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 11.99% - 17.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 3%
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250

     
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    4.5

    Capital One® Spark® Miles Select for Business

    capital one business miles credit card
    • 0% PURCHASES until May 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.
    • Miles don’t expire, and there are no categories to limit where or what you buy
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.
    • There’s no limit to the amount of miles you can earn and miles don’t expire

     
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    2.5

    Ink Plus® Business Card

    ink plus business credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE None 1st yr, $95 after
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 5 points / $1
    • 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.
    • 1:1 point transfer to leading frequent travel programs

     
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    4

    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
    • 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.

     
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    3

    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

    The Blue for Business® Credit Card from American Express

    blue business credit card
    • 0% PURCHASES 9 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.24% - 19.24% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 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.

     
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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%
    • 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%
    • 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
    • Terms and limitations apply.

     
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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.)

     
    October 8, 2014
    Photo of John H.
    By: John Hardy
    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.
    October 2, 2014
    Photo of Vanna B.
    By: Vanna Black
    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 more
    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 more
    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 more
    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 more
    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 more
    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.