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Business Credit Cards

Small business credit cards offer attractive rewards in important spending categories like office supplies and telecommunication services as well as helpful expense tracking features. They also enable you to give your employees cards with customizable spending limits and then earn rewards on their spending.

Most business credit cards are designed for purchases that will paid for in full by the end of the month. They are not great financing vehicles because the Credit CARD Act only applies to consumer credit cards, which means that most business credit cards are subject to arbitrary interest rate increases. The lack of debt stability…show more

    4 448 reviews

    Ink Cash® Business Credit Card


    chase ink cash
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR 0% for 12 months 5% (min $5) Transfer Fee
    • Regular APR 13.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $200
    • Minimum Credit Excellent
    • Rewards Details
    • 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
    • Additional Info
    • 0% introductory APR for 12 months on purchases and balance transfers
    • Employee cards at no additional cost
    • No Annual Fee
    • See More Details & Reviews About The Ink Cash® Business Credit Card
    4 351 reviews

    Capital One® Spark® Cash Select for Business


    capital one spark cash select
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 21.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus $200
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on every purchase, every day
    • Plus, a one-time $200 cash 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
    • Additional Info
    • Save on interest with 0% intro APR on purchases until November 2016; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See More Details & Reviews About The Capital One® Spark® Cash Select for Business
    3.5 72 reviews

    U.S. Bank Business Edge™ Cash Rewards Card


    us bank business edge cash rewards card
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 18.24% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 3% Cash Back
    • Rewards Bonus None
    • Minimum Credit Excellent
    4 208 reviews

    Capital One® Spark® Miles Select for Business


    spark miles select
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR Not Offered
    • Regular APR 13.24% - 21.24% (V)
    • Annual Fee None
    • Rewards Rate 1.5 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 20,000 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
    • Additional Info
    • Save on interest with 0% intro APR on purchases until November 2016; 13.24%-21.24% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See More Details & Reviews About The Capital One® Spark® Miles Select for Business
    4 253 reviews

    Capital One® Spark® Cash for Business


    capital one spark cash
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 17.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2% Cash Back
    • Rewards Bonus $500
    • Minimum Credit Good
    • Rewards Details
    • Earn 2% cash back on every purchase, every day
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
    • Cash rewards don't expire, and there are no categories to limit where or what you buy
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption
    • Earn unlimited cash rewards that don't expire
    • Additional Info
    • $0 intro annual fee for the first year; $59 after that
    • No foreign transaction fees
    • See More Details & Reviews About The Capital One® Spark® Cash for Business
    3.5 572 reviews

    Capital One® Spark® Classic for Business


    capital one spark classic
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 23.24% (V)
    • Annual Fee None
    • Rewards Rate 1% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn 1% cash back on every purchase, every day
    • Additional Info
    • Enjoy no annual fee
    • Build business credit with responsible use
    • Fraud coverage if your card is ever lost or stolen
    • No foreign transaction fees
    • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
    • See More Details & Reviews About The Capital One® Spark® Classic for Business
    4 193 reviews

    The Blue for Business® Credit Card from American Express


    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 11.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 20,000 points
    • Minimum Credit Good
    • Rewards Details
    • Limited Time Offer: get up to 20,000 Membership Rewards® points
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
    • Plus, for a limited time: get an additional 10,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by 4/20/2016
    • Plus, get 30% more points on purchases with an annual points bonus
    • Terms & Restrictions Apply
    • Additional Info
    • Get a low introductory APR on purchases for 9 months
    • No Annual Fee
    • See More Details & Reviews About The The Blue for Business® Credit Card from American Express
    4 216 reviews

    Business Gold Rewards Card from American Express OPEN


    • 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 1 - 3 points / $1
    • Rewards Bonus 25,000 points
    • Minimum Credit Good
    • Rewards Details
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership.
    • Get 3X points - Choose 1 out of 5 categories.
    • Plus, 2X points on the 4 remaining categories and 1X points on other purchases.
    • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
    • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
    • Terms & restrictions Apply.
    • Additional Info
    • No foreign transaction fees
    • $0 introductory annual fee for the first year, then $175
    • See More Details & Reviews About The Business Gold Rewards Card from American Express OPEN
    4 249 reviews

    SimplyCash® Business Card from American Express


    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.49% - 19.49% (V)
    • Annual Fee None
    • Rewards Rate 1 - 5% Cash Back
    • Rewards Bonus $250 statement credit
    • Minimum Credit Good
    • Rewards Details
    • LIMITED TIME OFFER: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by April 27, 2016
    • No annual fee
    • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
    • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
    • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
    • Terms and limitations apply.
    • Additional Info
    • See More Details & Reviews About The SimplyCash® Business Card from American Express
    4 134 reviews

    Capital One® Spark® Miles for Business


    capital one spark miles
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 17.24% (V)
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Rate 2 miles / $1
    • Rewards Bonus 50,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Earn 2 miles per $1 on every purchase, every day
    • Plus, a one-time bonus of 50,000 miles once you spend $4,500 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
    • Redeem miles for travel, cash back, gift cards, and more
    • Additional Info
    • $0 intro annual fee for the first year; $59 after that
    • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
    • See More Details & Reviews About The Capital One® Spark® Miles for Business
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    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
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    Expert’s Answers

    Why apply for a business credit card?

    By: Odysseas Papadimitriou, CardHub CEOSimply put, credit cards for small business bring certain characteristics and utilities to the table that general-consumer credit cards do not. For example, small business credit cards allow you to easily track business spending, and many offer quarterly as well as end-of-year expense reports that simplify tax season and are conducive to company spending analysis. They also make it easy to issue each employee his or her own card as well as customize and change the limits of these cards as needed. In addition, business credit card accounts allow you to earn rewards on employee spending and get heightened savings on important business expenses, such as office supplies and telecommunication services. Filling out a business credit card application is therefore not only the first step toward garnering a spending vehicle for your company, but is also a way to simplify and improve your business operations.

    Why not apply for a business credit card?

    By: John Kiernan, Personal Finance EditorUnfortunately, business credit cards were not included in the credit card industry reform legislation—the CARD Act—that was enacted toward the tail-end of the Great Recession and has proven quite successful in both increasing transparency within the general-consumer credit card market and improving consumer rights. “Small business credit cards should have the same protections as consumers under the Act,” according to Dr. Peter Nigro, Sarkisian Chair in Financial Services at Bryant University. “Why were they not? Politicians wanted to appease the credit card companies and give them another revenue stream that was taken away by new consumer regulations. Sad but true.”

    The biggest downside of this exclusion is the fact that the CARD Act provision prohibiting issuers from increasing interest rates on existing debt without cause does not apply to most business credit cards. It’s dangerous to revolve a balance on a small business credit card since your interest rates can therefore change at any time and for whatever reason. If your intent is to fund your company’s operations, do not apply for a business credit card, apply instead for a general-consumer credit card.

    What credit standing is needed to get a business credit card?

    By: Odysseas Papadimitriou, CardHub CEOLike general-consumer credit cards, business credit cards are available to people of all credit levels. Also like regular credit cards, if you will, a small business credit card’s rewards and other benefits increase based on credit standing, while the fees and rates generally decrease.

    Interestingly and contrary to many people’s beliefs, while a company’s credit standing is taken into account for business credit card approval, the small business owner’s personal credit score is actually the key deciding factor. Therefore, when starting a small business, for example, you should apply for a business credit card that is marketed for someone of your credit stature and avoid falling into the trap of looking for business credit cards for new businesses. If you are unsure of your credit standing, try our free credit estimator.

    Are there any business credit cards with no personal guarantee?

    By: Odysseas Papadimitriou, CardHub CEOWe get this question all the time. People want to avoid bringing their work home with them, not only mentally and emotionally, but financially as well. They want their business spending to be their business spending, and not in any way connected to their personal finances. That way their family’s financial well-being would not be at risk should their venture fail.

    Unfortunately, CardHub research has shown that all major business credit card issuers require personal liability for business card use and relay monthly usage information to the owners’ personal credit reports. In fact, we are only aware of one business credit card with no personal guarantee: U.S. Bank’s Visa Signature Company Credit Card, which is targeted to companies with $1 million to 10 million in annual revenue.

    The long-held notion that business credit cards provide personal liability protection by limiting responsibility for debt and default to one’s business is therefore little more than a common myth. The falsity of such a belief is further evidenced by the fact that business credit card applications require you to provide your Social Security Number (SSN) in addition to your company’s Federal Tax Identification Number, or Employment Identification Number (EIN). Additionally, most business credit card applications clearly disclose liability policies.

    Small businesses simply aren’t large enough entities to warrant limited liability. They are generally funded by one person or a few individuals, whose personal finances are directly connected to the company’s. “Small business credit cards that are issued to owners of pass-through businesses are equivalent of individual ownership and likely treated as such,” says Dr. William Dunkelberg, Emeritus Professor of Economics at Temple University. Banks therefore view joint liability between a company and its owner(s) as more than justified.

    With a larger company, on the other hand, ownership as well as responsibility for the misuse of credit are likely to be far more segmented and the business’ financial assets far more substantial. This dynamic makes limited liability, in turn, far more appropriate for a larger company than for a small business.

    While you cannot mitigate your personal liability as a small business credit card user, you can decrease the chances that it will come into play by approaching business spending strategically and opening credit cards with the best rates and lowest fees. After all, the best defense against liability problems is intelligent business decision making.

    Can I use a business credit card for personal spending and vice versa?

    By: Odysseas Papadimitriou, CardHub CEOYes, you can both use your small business credit card to make personal purchases and use a personal credit card to make business purchases. In fact, it’s a good strategy. Business credit cards often have rewards on things like office supplies that are unmatched by personal credit cards, making leveraging your business card rewards to save on something like back-to-school shopping worthwhile. On the other hand, you can use a personal credit card for small business funding in order to garner CARD Act coverage and avoid unexpected and unwarranted interest rate increases on your existing credit card balances.

    Community Discussion

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

     
    Jan 2, 2016
    By:
    I’d say your typical business card carries a lot of advantage over your usual card. For one, I think the process to get these cards is more forgiving. They know these are going to be used with much more purchasing power than your typical credit card. Because of this I find the rates of interest, fees and little conveniences make these cards very attractive; very much so to a smaller (like myself) business owner who can have difficulty. These can go a long way to improving your credit and redeeming a lot of rewards can be fun.
    Jan 2, 2016
    By:
    I use Capital One Spark Cash for Business. It is a great card. The application process was easy enough. I had good credit and all the documentation needed, however it took a while before I was approved. The interest rate is manageable, I never have problems with customer service, the fees are fine, and the cashback rewards are great and easy to redeem. Using the card in a store or online is a breeze. Since using this card, my credit score has not changed much. overall, i have no complaints about this card.
    Jan 2, 2016
    By:
    My cards helped me my improve credit. Credit cards can make good credit better. Customer service is not always as helpful as they could be. Customer service is often from overseas and hard to understand.

    This is convenience for a price. There are too many extra fees such as interest fees with credit. Purchases are simpler with business card online and off. Business cards are not easy to obtain. I hate waiting for approval.

    You must spend a lot to earn rewards. Than you have to wait more. Waiting periods for acceptance and rewards, and interest fees should be eliminated.
    Dec 23, 2015
    By:
    I love to use my business card when I purchase online. They become pretty handy. I get a cash back offer and can save some money. Redeeming rewards is just a few clicks away. My credit score has been improving ever since I started using these businesses cards. Purchasing with the businesses card has only minor problems. The interest rates are very competent and the annual fee is less for the first year.
    Dec 23, 2015
    By:
    Business cards are pretty comparable to consumer credit cards. They usually requrie a certain level of transactions to waive fees. The application process is straightforward especially when you already have an existing business bank account with the bank. Purchasing with the business card is very similar to consumer credit cards and most processes, including redeeming rewards, are very simple. It has no effect on my credit score as it is opened under the name of my business, which is an S corp. They could improve it by having rewards that are more related to my business operations.
    Dec 23, 2015
    By:
    My business card is alright in terms of having a low interest rate and a pretty decent rewards system. I really love to use it when purchasing products online .Purchasing products at the store is also very simple and quick and I usually do not have any problems when depositing money. I am overall happy with the card, I do wish that there was no interest rate though, that would help me save much more .
    Dec 23, 2015
    By:
    This card is a pretty good card. It was very easy to apply for it and get it. The interest is fair and it remains steady. It is real easy to order products online and in store which is great. Managing your accounts are fair and easy and it also improves your credit score if you pay on time. Honesty I have no issues with the card and it is a good credit card to have.
    Nov 17, 2015
    By:
    Even when travelling for business I don't see much benefit from collecting 'points' with my card. Honestly, it seems like the ones that offer the rewards have a higher interest rate and you can easily save money by just shopping around and finding a card that simply has a lower interest rate. It also made me feel restricted when certain hotels wouldn't qualify for earning points. Basically it just felt like a bigger pain in the rear than what it should have been.
    Oct 26, 2015
    By:
    I think student credit cards can be useful to young adults because most young adults haven’t established any credit yet. This will enable them to get a card, use it, pay it off in full every month and show creditors they know how to manage their finances. It’s a great way to establish credit when you are just starting out.
    Oct 12, 2015
    By:
    Over the years I've realized that cards with miles are way better than cards that give you "points." With miles, you can actually afford that vacation that you've been needing and can spend the money you would have spent on airline tickets on the destination instead. It seems that the cards that give you "points" want you to rack up some absurd number of their virtual points, which you can then exchange some cheap merchandise that looks good in the catalog but will break in a couple months. Definitely not worth it -- miles all the way!
    Oct 7, 2015
    By:
    I have used the U.S. Bank Business Edge Platinum Card before. One of my favorite features of this card is the fact that is has no annual fee. There are several cards out there that do not charge an annual fee so I would never sign up for a card with an annual fee. Another perk I like is that it has a 0% APR for the first 12 months. The only thing I wish this card had was some sort of rewards program. Most of my cards have one so it’s a bit disappointing this one doesn’t.
    Oct 7, 2015
    By:
    I like my GOLD DELTA SKY MILES business card. First important thing, it gives me 30000 miles bonus when I spend $1000 in the first 3 months. No annual fee. I do not travel a lot, but still, I need to travel by air, and using this card will add up miles and will benefit me eventually to purchase air tickets. As I usually fly Delta Airlines, that is important to me.
    Now, next, 2 miles per every dollar I spend, 20% savings on airline purchase. Thai is also another plus. It gives $50 credit on your first statement. I know it has fee of $95, but compared to its benefits, I will still recommend this card to people who travel by air.
    Sep 20, 2015
    By:
    I love to use credit cards no matter what, and my personal favorite are the consumer credit cards. I like to be able to get discounts on trips when it comes from my job. I get rewards and it is so fast and simple. I feel like they are more personal and like I am able to use and access them more easily. I enjoy the short processes that I have to go through, and the fact that I am never over drawn on them. I do not have to worry about using too much of the money on a card from my business, and then the card is not tied to the company itself. My Chase card is the best card I have ever had. I also think that points are better than miles because it seems like I am more likely to get better rewards with the points.
    Aug 29, 2015
    By:
    Consumer credit cards offer a big benefit to small businesses, in my opinion. They are easy to get because the process is almost no different from applying for a regular credit card, and they let you keep your business debt separate from your personal debt, which makes filing taxes and keeping records much easier and more efficient. However, they are also still your own card, so nothing is preventing you from using them for personal credit in relation to the business if you need to.

    For small businesses, the benefits, bonuses, and rewards that are offered on some cards are also a huge plus. They are usually easy to earn with business expenditures and you can typically find ones that work specifically for you and your business's needs and activity.
    Aug 29, 2015
    By:
    I am a big fan of using credit cards for my small business. The trick is to only sign up for credit cards that give a bonus. Also, it is important to choose a card which has a zero annual fee.

    Credit card companies are always offering super bonuses. I recently acquired the Amex Gold rewards card and at the time a wonderful bonus was offered. I only had to spend $5,000 within the first three months, and then I earned a 500 dollar gift card! There were many stores to choose from for the 500 dollar gift card. I was able to use the $500 dollar gift card towards buying items I needed for my small business.

    After I paid off the balance on my credit card and got the gift card, I cancelled the Amex card and applied for another credit card. This way, I can get another bonus! I love credit card bonuses! They make life even more exciting and it's nice to get a perk !
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