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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

    4 337 reviews

    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
    • Rewards Details
    • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
    • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
    • 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
    • Free employee cards
    • No Annual Fee
    • See All Reviews & Details About The Ink Cash® Business Credit Card
    4.5 276 reviews

    Capital One® Spark® Cash Select for Business


    capital one spark cash select
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (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 December 2015; 12.9%-20.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See All Reviews & Details About The Capital One® Spark® Cash Select for Business
    3.5 54 reviews

    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
    4 194 reviews

    Capital One® Spark® Miles Select for Business


    spark miles select
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (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 dollar 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 December 2015; 12.9%-20.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • See All Reviews & Details About The Capital One® Spark® Miles Select for Business
    2.5 103 reviews

    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
    • Rewards Details
    • 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
    • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
    • Additional Info
    • Global acceptance with Chip Technology
    • Free employee cards
    • $0 intro annual fee for the first year, then $95
    • See All Reviews & Details About The Ink Plus® Business Credit Card
    4 221 reviews

    Capital One® Spark® Cash for Business


    capital one spark cash
    • 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 $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 All Reviews & Details About The Capital One® Spark® Cash for Business
    3 433 reviews

    Capital One® Spark® Classic for Business


    capital one spark classic
    • 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 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 All Reviews & Details About The Capital One® Spark® Classic for Business
    4.5 172 reviews

    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 Good
    • Rewards Details
    • 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.
    • Additional Info
    • No annual fee for each additional Employee Blue for Business® Credit Card
    • Get a low introductory APR on purchases for 9 months.
    • See All Reviews & Details About The The Blue for Business® Credit Card from American Express
    4 191 reviews

    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 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
    • 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.
    • Additional Info
    • $0 introductory annual fee for the first year, then $175
    • See All Reviews & Details About The The Enhanced Business Gold Rewards Card from American Express OPEN
    4 206 reviews

    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 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 September 21, 2015
    • With no annual membership fee, it’s a smart choice for your business
    • 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 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.

    Community Discussion

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

     
    Jun 26, 2015
    By:
    Small businesses can very much benefit from credit cards. In this day, it is essential to build credit and have credit available to further your business. Unexpected problems can come up, and without having credit available you may not be able to finance this. This would hurt your business in the long run. As long as the small business owner is smart about it, the benefits outweigh the drawbacks by far.
    Jun 24, 2015
    By:
    The Ink Chase credit card is my main card for my small design business because of the many unique rewards. The outstanding rewards offered are just great for any small company like mine as they are extremely generous in nature. The cash back rewards for office supplies has helped me out tremendously and I genuinely couldn't see operating my business without it and the cash back has helped my business pay its basic utility and even some operational bills. The intro rate combined with these cash back rewards make this card unstoppable. I cannot recommend it enough and I think that if you can qualify for it, you shouldn't hesitate one bit.
    Jun 20, 2015
    By:
    I don’t think consumer credit cards are that useful for business owners. These cards are designed for the average consumer so they may not have a high credit limit. If you are small business owner I would recommend getting a business credit card. These have higher credit limits and is more appropriate if you are running a small business.
    Jun 20, 2015
    By:
    Bigger businesses use loans and lines of credit for purchases they can't afford. Small businesses cannot as readily call their bank and rely on being granted a loan. A credit card with a reasonable limit allows small business owners a rotating line of credit to handle an order or hand an unexpected cost. Yes, absolutely, if you have a small business, you need a credit card. Plus, responsibly using a credit card can slowly help your credit score.
    Jun 10, 2015
    By:
    I like my Blue American Express Business card. It lets me have the necessary tracking for the company purchases while at the same having a lower interest rate for those months when things really just don’t go as smoothly as I wish they would.
    Jun 9, 2015
    By:
    I think that business credit cards are usually better than consumer cards. The rewards are great for a business owner, and typically the interest rates are much more reasonable than you get with a consumer card. Because a business is going to be engaging in alot of transactions anyways, you may as well get rewards for it.
    May 4, 2015
    By:
    As a small business owner,I cant live without my card.I operate a lawn mowing service and mechanical things tend to break down at the most in oppertune time.I have used my card constantly threw the years and never have to worry about having the actual cash on hand for purchases.I also have a card reader attached to my phone so I can accept credit cards with out any hassle.If you have a small business like mine,check into cash back cards there great.
    May 1, 2015
    By:
    From my experience, a credit card for a business is not only helpful but completely necessary. As a business owner or employee, you need to make purchases all the time, and it is just not efficient to be writing checks or making electronic transfers all the time.

    On top of that, many cards feature great benefits. I personally use the Chase Ink which saves me a lot of money and would recommend it to everyone.
    Apr 29, 2015
    By:
    I think business rewards are most useful to the company and its networks. Business rewards are for the company for the services that is showing progress. Business rewards can be in the form of credit cards in which case would help the employees of the business to complete certain task required to operate the specific areas of business for which the card is assigned. While this aspect of the company is private the use of business rewards does help the integrity of the overall company function. All rewards and or credit should be used and handled wisely.
    Apr 15, 2015
    By:
    I honestly think that credit cards are useful for business owners. While business owners are able to finance a large portion of their costs through loans, some of the unexpected costs in the future may be necessary to finance via credit cards. Through business credit cards, business owners are able to finance those small things that they need for day to day business interactions. Business credit cards are absolutely the best for charges that business owners can't anticipate ahead of time.
    Apr 3, 2015
    By:
    Credit cards are beneficial to almost all companies. Sometimes a company may need to send someone on a business trip to another state. In this situation, it is very convenient for the business and the employee who will be traveling to have a credit card for purchases such as: air fare, car rental, hotel reservation, meals, gas, parking, etc. If the company tries to use cash in this situation, it is inconvenient and inefficient for the business. One of the best cards right now, is the Ink Cash Business Credit Card from Chase. This card offers 0% purchases for 12 months, 0% Transfers for 12 months
    Ink Cash® Business Credit Card, 1-5% cash back, and a reward bonus of $200, if you qualify.
    chase ink cash
    Feb 27, 2015
    By:
    Although credit and debit cards pose several kinds of liabilities for business owners, they are very helpful in at least two ways. One, they make goods and services more easily available because consumers are not restricted to cash or checks and the usual requirements for ID. Next, credit cards are extremely important for tailoring market to specific segments of consumers, as it’s easy to match up payment records with lists of goods purchased, price points, cycles of buying, etc.
    Feb 19, 2015
    By:
    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:
    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:
    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.
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