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Business Credit Cards for New Businesses

4.9 4.9 - 137 reviews for top rated card

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…show more

    Ink Cash® Business Card


    ink cash business credit card
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% Transfer Fee
    • Regular Rate 13.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • 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.

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $250 statement credit
    • Earn Rate 1% - 5% cash back
    • 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.

    Capital One® Spark® Cash Select for Business


    capital one business cash credit card
    • 0% Purchases until June 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 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.

    U.S. Bank Business Edge™ Cash Rewards Card


    business edge cash rewards card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 11.99% - 17.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 3% cash back
    • 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

    Capital One® Spark® Miles Select for Business


    capital one business miles credit card
    • 0% Purchases until June 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 10,000 miles
    • Earn Rate 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

    Ink Plus® Business Card


    ink plus business credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $95 after
    • Rewards Points
    • Initial Bonus 50,000 points
    • Earn Rate 1 - 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

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Cash Back
    • Initial Bonus $250
    • Earn Rate 2% cash back
    • 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.

    Capital One® SparkSM Classic for Business


    capital one business credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% cash back
    • Earn 1% cash back on every purchase, every day.

    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)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus 10,000 points
    • Earn Rate 1 - 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.

    The Business Gold Rewards Card from American Express OPEN


    business amex gold card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate N/a
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $175 after
    • Rewards Points
    • Initial Bonus 25,000 points
    • Earn Rate None
    • 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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    COMMUNITY DISCUSSION

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

     
    Oct 30, 2014
    By:
    Oct 30, 2014
    Credit cards are definitely useful for new business owners. I’ve used business credit cards at my business, and they are great because we are typically earning rewards like gift cards at different retailers, airfare mileage, or points on hotel stays. The credit cards we use at our business also have excellent customer service, and they are very on top of issues any time you call. They are really on top of any fraudulent charges or redit card theft. Businesses also have the benefit of using a credit card instead of writing and mailing less checks and dealing with the hassle of that.
    At the same time, it is important to be more
    Oct 8, 2014
    By:
    Oct 8, 2014
    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:
    Oct 2, 2014
    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
    Sep 24, 2014
    By:
    Sep 24, 2014
    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
    Sep 10, 2014
    By:
    Sep 10, 2014
    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
    Jul 30, 2014
    By:
    Jul 30, 2014
    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
    Jun 5, 2014
    By:
    Jun 5, 2014
    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
    By:
    May 2, 2014
    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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