Ad Disclosure

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

    4 369 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 More Details & Reviews About The Ink Cash® Business Credit Card
    4.5 302 reviews

    Capital One® Spark® Cash Select for Business


    capital one spark cash select
    • 0% Purchases until May 2016
    • 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 May 2016; 12.9%-20.9% 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 59 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
    4 197 reviews

    Capital One® Spark® Miles Select for Business


    spark miles select
    • 0% Purchases until May 2016
    • 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 spent 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 May 2016; 12.9%-20.9% 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
    3 111 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 More Details & Reviews About The Ink Plus® Business Credit Card
    4 229 reviews

    Capital One® Spark® Cash for Business


    capital one spark cash
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 16.9% (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 More Details & Reviews About The Capital One® Spark® Cash for Business
    3 477 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 More Details & Reviews About The Capital One® Spark® Classic for Business
    4.5 176 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 More Details & Reviews About The The Blue for Business® Credit Card from American Express
    4 199 reviews

    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.
    • 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 and limitations apply.
    • Additional Info
    • NEW: 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
    4 213 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 More Details & Reviews About The SimplyCash® Business Card from American Express
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

    Not sure?
    Try our free credit check. It takes 20
    seconds and doesn't require personal info.

    Free Credit Check
    I Want


     
    Based on your other criteria:
    No cards have a Regular
    Rate below %.
     

    Credit Card Networks


    Fewer Filters
    Balance Transfer Fee?



    Foreign Transaction Fee?



    Smart Chip Technology

    Suggested Credit Card Pages Recently Viewed Credit Cards
    • None
    Ask our Experts

    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.

     
    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 !
    Aug 29, 2015
    By:
    The biggest advantage to me of using a separate small business credit card account separate from my personal account is in tracking deductions at the end of the year for tax reporting. I only use it for business purchases from office supplies to taking clients out to lunch, all of which are deductible and, at least all the cards I have, they have the ability to print reports at the end of the year with expenses already broken into categories which makes entering deductions on the tax forms a breeze.
    Sometimes I'm NOT able to always pay the balance off each month because a client who owes me a large lump-sum of money is behind on his accounting or paying my invoices, so carrying the balance can be a godsend. You don't usually need to wait until the next monthly billing to send in payments or pay off the balance, so as soon as I get the check from a client deposited, I can turn around and pay off the balance with minimal costs. It makes you look far more professional to clients, by not looking desperate for their payment which to them may seem relatively meager. It also allows you to order parts and/or equipment which you will be billing to clients at the end of project without having to wait for the client to cut a check, and if there is a problem with the company you order the equipment from, the credit card company will help more
    Aug 4, 2015
    By:
    I have used a small business card , the Ink Plus® Business Credit Card, and I absolutely loved it. The card had many benefits and rewards to help me run my business. It helped me manage all of my payments and keep everyone on track. Also since I could make employee cards it was easy for me to manage all expenses.
    Jul 27, 2015
    By:
    There are many benefits in a dedicated business credit card aside from the availability of funds. Such as:

    1) Using a credit card for all business related purchases and paying off balance monthly will build a solid credit reputation. This is an important aspect to develop especially if planning future expansion and seeking investors to do so. The first thing an investor is going to do is run your credit report. A dedicated credit card kept in good standing will assure potential investors that you are consistent and responsible.

    2) Tracking business expenditures is improved substantially when consistently utilizing a credit card. Not only will it provide solid data for personal analysis of your business, but will also be appreciated by your bookkeeper or accountant. Also, something to remember is the IRS's generally standard audit of any business in the fourth year. Having a credit card statement will guarantee you have the receipts for your activity (shoeboxes full of receipts cause awkward silences when presented to an IRS auditor).

    3) In the unfortunate event you lose your wallet, a credit card can be cancelled, unlike cash. Credit cards are also insured against fraudulent activity which will allow you to recoup any funds lost, again unlike cash.

    These are just a few examples of how a dedicated business credit card can benefit a small business venture. I, personally, feel a business credit card is not only desirable but a necessity for all businesses.
    Jul 19, 2015
    By:
    I absolutely think that consumer credit cards are beneficial to small businesses. I operate an online business and make all my purchases on my chase business card. The rewards that they offer are an added plus. They usually offer a reasonable line of credit that can help when you need to make an unexpected big purchase.
    Jul 18, 2015
    By:
    Credit cards and the lifeline of small business online and being able to accept a card for a purchase online opens the door to my customers. I am also able to meet you at a festival and put your purchase of soap or earrings on your card; keeping your cash intact.
    Jul 17, 2015
    By:
    Having used both types of cards for a significant amount of time - I think both cards function the same way. They can help manage cash for employees when used in a business setting and ensure that employees have access to resources to do their job. In a personal use scenario, they shouldn't be used for everything the way they are for business, but they still help you manage your cashflow and keep track of various expense types.
    Jul 13, 2015
    By:
    When I took a job in outside sales I knew I would be traveling a lot and I needed to choose a credit card that would allow me to charge my business expenses reguarly. When given this task I knew I would choose an American Express card, the only question was which one. Since I knew I would be travelling several times a year I wanted to have a card that would reward me for my purchases. I chose the American Expreess Green business card because I felt that it perfectly matched my level of activity and requirements.
    Jul 7, 2015
    By:
    It takes money to make money, and the easiest way to have money on hand when you don't have many assets is a credit card. A small business can benefit from the value borrowed from the card, but also many benefits that come with the card. Deals can be had with a card that may help a small business owner do anything from having free insurance for things, to concierge services, to a shared community with other small business owners through that card's forum.
    Jul 7, 2015
    By:
    From my personal experience , I think that having a credit card for your business is a very helpful tool , and also necessary. As myself being a business owner, you need to make small and big purchases all the time at any given moment, and its much more efficient to use a credit card versus using a check. On top of everything my business credit card also has many reward points, and great benefits that also help out alot. Personally i have been using "Chase Ink" Credit card which in my opinion has saved me alot of money , and time and i would recommend it to anyone looking for a credit card!
    Jul 7, 2015
    By:
    Consumer credit cards can be very valuable to a small business owner, if used with care. They can allow you to keep records of your purchases for business expenses, allow you the convenience of paying for your items all at 1 time, and can help with cash flow to a small extent. The rewards can be useful, and being prompt can raise credit scores, but be careful to not extend payments, because interest rates can be high.
    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.
    Page: 1 · 2 · 3 · 4 · 5
    Credit Cards Prepaid Cards Gift Cards Tools