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Business Credit Cards

Business Credit Cards

Narrow your search for a Business Credit Card

As we all know, business credit cards are used by small business owners for a number of different purposes. Some use them to finance business expenses, while others use them for tracking purposes, rewards, and convenience. Below we have listed credit cards from top banks and issuers for which business owners may qualify. Some of these credit cards are exclusively considered business credit cards and require both an EIN (or TIN) and an SSN in order to apply, while others are general consumer credit cards that business owners find equally useful and require only an SSN. Use the controls on the left and find the business credit card that works best for your needs.

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    4

    Capital One® SparkSM Cash for Business

    spark business cash back credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Annual Fee $0 for 1st yr, $59 after
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 2%
    Max Earn 2%
    • Earn 2% cash back on every purchase, every day.
    • Get a $100 cash bonus—just spend $1,000 on purchases within the first 3 months.
    • 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.

     
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    4.5

    Business Green Rewards Card from American Express OPEN

    business green rewards card
    Charge Card :
    • Balance must be paid in full every month
    • Regular RateNot Applicable for Charge Cards
    Annual Fee None 1st yr, $95 after
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Receive 5,000 bonus points on your first purchase.
    • Earn one Membership Rewards® point for every dollar you spend.
    • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees.
    • No pre-set spending limit or finance charges.

     
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    4.5

    Capital One® SparkSM Cash Select for Business

    capital one business cash credit card
    Rates:
    • 0% on Purchases until December 2013
    • 0% on Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1.50%
    Max Earn 1.50%
    • Get a 50% bonus on the cash back you earn every year.
    • Earn 1% cash back on every purchase, every day.
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
    • Earn unlimited cash rewards that don't expire.

     
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    4.5

    Capital One® SparkSM Miles Select for Business

    capital one business miles credit card
    Rates:
    • 0% on Purchases until December 2013
    • 0% on Transfers Not Offered
    • Regular Rate 12.9% - 20.9% (V)
    Annual Fee None
    Rewards Miles
    Initial Bonus None
    Base Earn 1.5 miles / $1
    Max Earn 1.5 miles / $1
    • Get a 50% bonus on the miles you earn every year.
    • Earn 1 mile per dollar on every purchase, every day.
    • 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.

     
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    3.5

    Capital One® SparkSM Classic for Business

    capital one business credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 22.9% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 1%
    • Earn 1% cash back on every purchase, every day.

     
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    4

    Capital One® SparkSM Miles for Business

    capital one business rewards credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Annual Fee $0 for 1st yr, $59 after
    Rewards Miles
    Initial Bonus 10,000 miles
    Base Earn 2 miles / $1
    Max Earn 2 miles / $1
    • Earn 2 miles per dollar on every purchase, every day.
    • Get 10,000 bonus miles—just spend $1,000 on purchases within the first 3 months.
    • Receive 5,000 bonus miles by signing up for one or more employee cards.
    • There's no limit to the amount of miles you can earn and miles don't expire.
    • Redeem miles for travel, cash back, gift cards, merchandise, and more.
    • Fly on any airline, anytime, with no blackout dates or seat restrictions.

     
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    1.5

    CitiBusiness Thank YouSM Card

    Citi Business Credit Card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers Not Offered
    • Regular Rate 13.24% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus 15,000 points
    Base Earn 1 point / $1
    Max Earn 3 points / $1
    • Earn 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards.
    • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.
    • No limit to the amount of points you can earn on purchases and points don't expire.
    • Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.

     
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    3

    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • Secured Credit Card / Min Deposit of $300
    • Annual Fee $44
    • Monthly Fee None
    • One-time Fees None
    • Regular Rate 11.99% (V)
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    3

    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • Secured Credit Card / Min Deposit of $300
    • Annual Fee $39
    • Monthly Fee None
    • One-time Fees None
    • Regular Rate 14.99% (V)
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    4.5

    CitiBusiness®/ AAdvantage® World MasterCard®

    Business Credit Card from American Airlines
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee $95, waived for the first 12 months*
    Rewards Miles
    Initial Bonus 30,000 miles
    Base Earn 1 mile / $1
    Max Earn 2 miles / $1
    • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*.
    • Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*.
    • First eligible checked bag free for you and up to 4 traveling companions*.
    • Priority Boarding with Group 1 privileges*.
    • 25% Savings on eligible in-flight purchases.

     
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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. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    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 related to the Business Credit Cards shown on this page.


     
    Learn more about business credit cards

    Why apply for a business credit card? Simply 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? Unfortunately, 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. 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? Like 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? According to a Card Hub small business credit card study, all major business credit card issuers require personal liability for business card use and relay information about this use to the owners’ personal credit reports. As a result, we are not aware of any small business credit cards without personal guarantee. Not only do business credit cards require a personal guarantee, they hold your business liable as well. If you must provide your Social Security Number (SSN) on a business credit card application, it’s a pretty good indication that you’re making a personal guarantee.

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