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Business Credit Cards

4.9 4.9 - 141 reviews for top rated card

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 allow 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 of 2009 only applies to consumer credit cards, which means that most business credit cards are subject to arbitrary interest rate increases. The lack…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 August 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 9 months3% Transfer Fee
    • 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 August 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
    • 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
    • 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 $95
    • Rewards Rate 1 - 5 points / $1
    • Rewards Bonus 60,000 points
    • Minimum Credit Excellent
    • LIMITED TIME BONUS OFFER: Offer Ends 3/1/2015.
    • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $750 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
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate N/a
    • 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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    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.

    -- Questions --

    COMMUNITY DISCUSSION

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

     
    Feb 19, 2015
    By:

    --Comment from Bee Heed--

    Feb 19, 2015
    Credit cards are absolutely useful to business owners! Where I work, our owners use the Ink Plus business credit card for business expenses, and they are constantly earning rewards on shopping, travel, and gas expenses. It makes sense to use credit cards to pay for business expenses because unlike cutting checks out for payment, credit cards earn businesses rewards back.
    Feb 17, 2015
    By:

    --Comment from Desmond Sessions--

    Feb 17, 2015
    I use credit cards because I am self employed and I need materials to do business. My Chase Ink card makes it effortless for me to make daily and weekly purchases. The 5% cash back reward is an excellent feature that I and my wife take full advantage of. It certainly adds up to something towards the end of the month/year of use.

    I have used the Chase Ink Business Card for the last 5 years and am extremely satisfied. It’s an excellent opportunity and I even use the card for non-business purchases!
    Feb 14, 2015
    By:

    --Comment from Belle Ann--

    Feb 14, 2015
    I think its essential for business owners to use credit cards, but its just as essential to use them wisely. Depending on the nature of your business, how stable it is and how much you profit from it, don't get in over your head by assuming you can use credit to build your business without knowing what kind of profit your business is likely to turn. American Express Business is a classic and is useful for many business related expenses with lots of incentives. I have personally used it for five years and found that as long as I use it responsibly its improved my credit and suits my business needs perfectly.
    Dec 7, 2014
    By:

    --Comment from Rafa Vasquez--

    Dec 7, 2014
    I have used the Chase Ink Business Card. It’s a pretty good card and I even use it for non-business purchases. There is no annual fee and you can earn rewards for each purchase so this is really useful when making several purchases for your business. The credit limit is also very high so this is all you need to run your business.
    Nov 19, 2014
    By:

    --Comment from Jason Ibarra--

    Nov 19, 2014
    The Ink Plus Business Card by Chase is by far the best for your small business needs. I run a small design firm and use the card for everything from proofing machines, laptops, desktops, drafting supplies, to travel, and it's great! I wouldn't have it any other way. The customer service is second to none and I can't imagine being without this card - especially when traveling. We travel a lot in our line of work and all of the points we rack up help us out big time with hotels and gas! It's also awesome that there's no limit to how many points you can rack up.
    Nov 5, 2014
    By:

    --Comment from Dustin Harbor--

    Nov 5, 2014
    If you are operating a business, then a credit card for your business should definitely be considered. The possibilities, opportunities and benefits are countless and never ending. I have found that the greatest enjoyment out of using my business credit card is the usefulness that it provides in making sure all aspects of travel are taken care of within one single transaction. Instead of having to keep track of a bunch of paperwork, and cash handling - a card makes the process much more organized and brought together. I have found that the benefits are great as well, because you are able to save time and money in the long run on air travel, food, hotel stays and shopping venues among other things! For my own personal credit card, the company that operates it ensures that things are kept running smoothly with excellent customer service. The people are phenomenal and will help in any way that they can to solve any issues - whether they be technical or more cynical. The possibilities are indeed endless, and I would recommend that any one operating a business should look into getting a business credit card. It will make your life, and the lives of those within your business a lot easier and you will not regret it!
    Oct 11, 2014
    By:

    --Comment from Veronica Meyers--

    Oct 11, 2014
    Credit cards are definitely useful for business owners. You need to buy supplies and equipment for your business so having a credit card makes that easy to do. I would recommend the Ink Plus Business Card from Chase. I’ve never had an issue with this card and the customer service is great. I’ve been using it for over 8 years now for my business.
    Oct 7, 2014
    By:

    --Comment from John Hardy--

    Oct 7, 2014
    When I worked for a former employer, we were given business cards for traveling purposes, due to the high travel. It really was convenient, because I was able to reserve hotel rooms and rental cars with it. The drag was the hotel and rental card points; we could not keep them. I wish we could, I had nice plans for them too. But I understand the reasons why they take them.
    Sep 24, 2014
    By:

    --Comment from Karrie Bauer--

    Sep 24, 2014
    I have indeed used a business card for my business it was crucial at the time to do so. I had to buy all my equipment and supplies so it only made sense to use my business credit card. I would recommend using a business credit card if it is crucial for your business. If I had the money I probably would not use it as much as I have. Now that my company is on its feet I use it less but I still use it because the interest rates are great.
    Aug 26, 2014
    By:

    --Comment from Tova Haines--

    Aug 26, 2014
    I do not think that credit cards are necessary for a business. For one, credit cards can be just an additional bothersome expense that adds to others. I advocate for a business of simplicity and that means financial simplicity. Without a credit card you are in financial freedom and this is something I recommend to all.
    Nov 28, 2014
    Photo of Amy T.
    Nov 28, 2014
    I have to disagree. If business cards are used wisely, they should not add extra expenses; rather, they should provide instant access to funding when cash flow may not be available. This is especially true if orders are placed before customers are billed, or if inventory must be acquired wholesale before it is resold. As long as business owners are responsible and pay back any balance once cash enters the business, a credit card can be a valuable too. And lastly, if there is an unexpected expense that has not been budgeted -- such as a weather delay, a company vehicle repair, or the like -- having the option of using credit to take care of that issue is much better than not being able to address it at all.
    Aug 22, 2014
    By:

    --Comment from Todd Poole--

    Aug 22, 2014
    I have been using credit cards for my business for the last 8 years or so. They are a necessary part of my business because of the amount of purchases that have to be made on a daily and weekly basis. We have gone through 3 different credit cards at this point with some upside to some and downside to others. The card that I’ve been with for the past while is the one I like most so far and that’s the Chase Ink Card. The rewards for it seem to be the best with up to a 5% earn back. That may not seem huge but it really can add up over the course of a year. It’s especially good for a business that uses a credit card a lot.
    Jul 25, 2014
    By:

    --Comment from Michael Meza--

    Jul 25, 2014
    I think the business gold rewards card from American Express is the best card. I have used it for my small business and we get points for it. Even though it is not a lot, the points add up for us since we are a small company. I would recommend this for any small company, this is not really for a big company. Also, the customer support is very helpful and that is awesome.
    Jun 6, 2014
    By:

    --Comment from Yoan Rodriguez--

    Jun 6, 2014
    I think credit cards are vital to business owners now a days and not having one really puts you at a disadvantage.Business owners need to sometimes buy things on credit immediately to fuel profits in the future and this way they can get what they need and slowly pay it off over a few months until business really picks up.These cards also act as a back up for unexpected business expenses that need to be paid for immediately.I would suggest the capitol one spark miles select for business because of the low interest rate and high return of reward miles.
    May 31, 2014
    By:

    --Comment from James St Claire--

    May 31, 2014
    I love using my Chase Business Ink MasterCard for my business. I currently sell a variety of items through Amazon and eBay so I need to purchase shipping and supplies like boxes and tapes. This credit card has a high limit of $16000 so I have plenty of credit to work with. The Chase Business Ink also gives you rewards for purchases so this is another bonus for this card. You can also set up alerts so it's convenient to know if the card was used at any given time.
    May 31, 2014
    By:

    --Comment from Laverne Anthony--

    May 31, 2014
    i have been applying for credit with my business but still unsuccessful.wow having business credit is really not all that people make it to seem.
    Dec 22, 2014
    Photo of Verni G.
    Dec 22, 2014
    I agree with you I have also been applying for business credit, it seems that it is always difficult especially for women own or minority own businesses if they are not making over 10,000.00, a year or more. No one will extend business credit unless you have a good or perfect personal credit references. There is no chance for a small business to get off the ground and grow. So you can actually forget about even thinking about starting or expanding your business as minority or a woman. This is very discouraging....
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