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Business Credit Cards

4.9 4.9 - 136 reviews for top rated card

Small business credit cards are extremely useful due to the attractive rewards they offer in important spending categories like office supplies and telecommunication services as well as the helpful expense tracking features they provide. They also allow you to give cards with customizable spending limits to your employees and then earn rewards on their spending. As things currently stand, most small business credit cards should only be used to make purchases that you will be able to pay for in full by the end of the month. They are not great financing vehicles because the Credit CARD Act of…show more

    Ink Cash® Business Card


    ink cash business credit card
    • 0% Purchases 12 months
    • 0% Transfers 12 months3% Fee
    • Regular Rate 13.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

    SimplyCash® Business Card from American Express


    american express cash business credit card
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 12.24% - 19.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $250 statement credit
    • Earn Rate 1% - 5% cash back
    • With no annual membership fee, it’s a smart choice for your business
    • Reinvest in your business with automatic cash back
    • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
    • 3% on the category of your choice and 1% on other purchases
    • On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
    • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by February 24, 2015
    • Terms and limitations apply.

    Capital One® Spark® Cash Select for Business


    capital one business cash credit card
    • 0% Purchases until June 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • Earn 1.5% cash back on every purchase, every day.
    • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.

    U.S. Bank Business Edge™ Cash Rewards Card


    business edge cash rewards card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 11.99% - 17.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 3% cash back
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250

    Capital One® Spark® Miles Select for Business


    capital one business miles credit card
    • 0% Purchases until June 2015
    • 0% Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 10,000 miles
    • Earn Rate 1.5 miles / $1
    • Earn 1.5 miles per dollar on every purchase, every day.
    • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months.
    • Miles don’t expire, and there are no categories to limit where or what you buy
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.
    • There’s no limit to the amount of miles you can earn and miles don’t expire

    Ink Plus® Business Card


    ink plus business credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 15.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $95 after
    • Rewards Points
    • Initial Bonus 50,000 points
    • Earn Rate 1 - 5 points / $1
    • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards.
    • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
    • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
    • 1:1 point transfer to leading frequent travel programs

    Capital One® Spark® Cash for Business


    spark business cash back credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Cash Back
    • Initial Bonus $250
    • Earn Rate 2% cash back
    • Earn 2% cash back on every purchase, every day.
    • Get a one-time $250 cash bonus—just spend $5,000 on purchases within the first 3 months
    • Cash rewards don’t expire, and there are no categories to limit where or what you buy
    • Receive a $50 cash bonus by signing up for one or more employee cards.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.

    Capital One® SparkSM Classic for Business


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

    The Blue for Business® Credit Card from American Express


    blue business credit card
    • 0% Purchases 9 months
    • 0% Transfers Not Offered
    • Regular Rate 11.24% - 19.24% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus 10,000 points
    • Earn Rate 1 - 2 points / $1
    • Earn a 30% annual Relationship Bonus — without an annual membership fee.
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership – valued at up to $100 in gift cards at select merchants.
    • Use points to reinvest in your business and reward your employees and clients.
    • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
    • Terms & Restrictions Apply.

    The Business Gold Rewards Card from American Express OPEN


    business amex gold card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate N/a
    Apply Now at issuer's secure site
    • Annual Fee None 1st yr, $175 after
    • Rewards Points
    • Initial Bonus 25,000 points
    • Earn Rate None
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership.
    • Built with business-sized purchasing power and fast rewards.
    • 3X points on airfare purchased directly from airlines.
    • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers.
    • Up to $100,000 in each category per year, then 1 point.
    • Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward.
    • Terms and limitations apply.
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

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    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

    Help others find the best business credit cards by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    November 24, 2014
    Photo of Brad R.
    By:
    The SimplyCash Business Card from American Express is my favorite business rewards credit card. We opened one fairly recently at my workplace and got a $250 statement credit as an initial bonus, and we earn extra cash back on gas. The cash back rate is between 1 and 5% which adds up quickly when you’re making lots of purchases, as we do at our workplace. I like that the 5% cash back rate is when you order at office supply stores because we do a lot of that.
    November 19, 2014
    Photo of Jason I.
    By:
    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.
    November 5, 2014
    Photo of Dustin H.
    By:
    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 more
    October 24, 2014
    Photo of Dee G.
    By:
    I’ve used business credit cards at my business, and they are great because we are typically earning rewards like gift cards at different retailers, airfare mileage, or points on hotel stays. The credit cards we use at our business also have excellent customer service, and they are very on top of issues any time you call. For instance, we recently had an issue with credit card theft, and within one week, over $2,000 in fraudulent charges on the credit card were reversed. Our business prefers to use the credit card when we can also because it involves writing and mailing less checks and dealing with the hassle of that.
    October 21, 2014
    Photo of Nick T.
    By:
    Every business owner should have at least one credit card – they are a necessity! The owners at the business I’m employed at use credit cards frequently on which they earn points and are able to use those points towards travel and even reinvestment in the business. It also makes payments seamless and easy. Our business knows that it can easily pay off the charges each month so there is never a worry about interest rates or additional fees.
    October 11, 2014
    Photo of Veronica M.
    By:
    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.
    October 7, 2014
    Photo of John H.
    By:
    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.
    September 24, 2014
    Photo of Karrie B.
    By:
    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.
    August 26, 2014
    Photo of Tova H.
    By:
    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.
    August 22, 2014
    Photo of Todd P.
    By:
    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 more
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