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Best Credit Cards for Businesses

Small Business Credit Cards
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You no longer need an angel investor to fund your business. An available credit line from a business credit card will enable your business to fund large and small purchases, track spending, and earn rewards.

Look for a business credit card that offers cash back in the specific category where you need it most. Drive a lot? Get a gas rewards card. Use a lot of paper clips and pens? An office-supply cash rewards card is your best bet.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee

Business credit cards for Excellent/Good credit

Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(until
October
2014)
n/a12.9% -
20.9% (V)
$0n/aSee terms
Card Details:
  • 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.
  • Save with 0% intro APR on all purchases until October 2014.
  • Enjoy no annual fee.
  • Get online Quarterly and Year-End Summaries.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • Earn unlimited cash rewards that don´t expire.
Our Expert Opinion
  • No foreign transaction fee.
  • Rewards program benefits are excellent.
  • Free additional cards for employees.

See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 25,000 bonus miles - just spend $5,000 on purchases within the first 3 months
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a13.9% -
20.9% (V)
$0 intro for first year;
$59 after that
n/aSee terms
Card Details:
  • Earn 2 miles per dollar on every purchase, every day.
  • Get 25,000 bonus miles - just spend $5,000 on purchases within the first 3 months.
  • Receive 5,000 bonus miles by signing up for one or more employee cards.
  • Enjoy exclusive, award-winning customer service.
  • $0 intro annual fee for the first year; $59 after that.
  • 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.
Our Expert Opinion
  • Incredibly easy to earn miles,
  • No foreign transaction fees,
  • Great online banking tools and mobile app.

  • Annual fee after the first year.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 15,000 Bonus ThankYou® Points
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(6 months)
n/a13.24% (Variable)n/a3%$0
Card Details:
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership - redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable.26
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.26
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards.
  • No Annual fee.26
Our Expert Opinion
  • Allows you to set a spending limit on cards issued to employees.
  • Personal Business Assistant helps you book tickets, hotels, entertainment.
  • Flexible bonus program.

See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Save with our lowest intro APR on all purchases until January 2015
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(until
January
2015)
n/a10.9% -
18.9% (V)
$0n/aSee terms
Card Details:
  • Save with our lowest intro APR on all purchases until January 2015.
  • Enjoy no annual fee.
  • Build business credit with responsible use.
  • Earn 1 mile per dollar on all purchases and there´s no limit to the amount of miles you can earn.
  • Miles don´t expire and can be redeemed for travel, merchandise, gift cards, cash and more.
  • 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 additional cost, and experienced small business customer service.
Our Expert Opinion
  • No annual fee business credit card.
  • Free employee cards with individual spending limits option.
  • Travel rewards program without expiration dates.

  • No intro APR on balance transfer.
See card details
Excellent Credit

Excellent Credit
Required FICO score for this card: 750 to 850
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 30,000 American Airlines AAdvantage® Bonus Miles
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a15.24% (Variable)$95, waived
for first 12 months26
3%$0
Card Details:
  • Designed for businesses with an established credit history.
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership.26
  • Get the first checked bag free for you and up to 4 traveling companions.26
  • Enjoy Group 1 Boarding.26
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants.26
  • Receive 25% savings on in-flight food and beverage purchases when you use your card.26
Our Expert Opinion
  • Earn bonus miles for making purchases.
  • Great travel reward program.

  • $95, waived for first 12 months.26
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get a $250 cash bonus - just spend $5,000 on purchases within the first 3 months
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a13.9% -
20.9% (V)
$0 intro for first year;
$59 after that
n/aSee terms
Card Details:
  • Earn 2% cash back on every purchase, every day.
  • Get a $250 cash bonus - just spend $5,000 on purchases within the first 3 months.
  • Receive a $50 cash bonus by signing up for one or more employee cards.
  • Enjoy award-winning small business customer service.
  • $0 intro annual fee for the first year; $59 after that.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • Earn unlimited cash rewards that don´t expire.
Our Expert Opinion
  • Awesome 2% cash back rewards.
  • No foreign transaction fees.
  • Incredible customer service.

  • No 0% promotional periods.
See card details

Business credit cards for Fair credit

Average / Fair / Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Build business credit with responsible use with eligibility for an automatic credit line increase
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a22.9% (V)$0n/aSee terms
Card Details:
  • Enjoy no annual fee.
  • Build business credit with responsible use with eligibility for an automatic credit line increase.
  • Earn 1% cash back on every purchase, every day.
  • Separate business expenses from personal expenses.
  • $0 Fraud Liability if your card is ever lost or stolen.
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service.
Our Expert Opinion
  • Protects against fraud charges.
  • Free cards for employees.
  • Offers itemized year-end summaries.

  • No 0% introductory rate.
See card details

26 See the Citi card terms and conditions online.

Doing Business with a Credit Card

Business credit cards give small to medium-sized businesses the borrowing power they need to finance their day-to-day operations, from making small purchases to larger ones, depending on the card. If your credit history is good or excellent, you'll be eligible for a high line of credit - maybe even an unlimited one. A number of our business clients have been approved for credit limits amounting to $30,000. An enlarged credit limit will give your business the biggest purchasing power.

Even though you're applying for a business credit card, if you're the owner of the business, it's your personal credit history that counts. If your credit is good, you'll be able to get the best card for your business.

You, not your business, will be held responsible for all debts incurred on your business credit card - even if the charges are made by employees.

Unlike personal credit cards, business credit cards come with expanded limits built-in, because businesses are expected to have bigger expenses. As an entrepreneur, you'll appreciate the increased purchasing power an expanded limit offers.

Get rid of the petty cash drawer by issuing extra cards to your employees. They won't have to get approval to make minor purchases, saving everyone's time.

Easier accounting - most business credit card issuers offer a reporting feature that breaks down spending by category and helps you analyze where your money goes. Your account statement will track your expenses for you, making it simple to monitor and categorize spending. Filling out quarterly and annual reports will be easy when the work has been done for you by your credit card company.

Our Experts about Business Credit Cards

latest news:

New Brand and Reward Card from US Bank New Brand and Reward Card from US Bank

U.S. Bank has rebranded its small business credit cards as Business Edge, and they've added the Business Edge Select Rewards card for cardholders. It offers a sign-up bonus, flexible redemption options and triple points on one category chosen by the ...Continue reading

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related research:

The Blue for Business Credit Card from American Express     10,000 Bonus Points, 0% APR, and No Annual FeeThe Blue for Business Credit Card from American Express 10,000 Bonus Points, 0% APR, and No Annual Fee

Blue for Business from American Express is a no-annual fee card with a 0% introductory APR for up to a year. It has a sign-on bonus of 10,000 Membership Rewards points with the first purchase, and lets business owners save on things like office ...Continue reading

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

Business Credit Cards Video

Get a Higher Credit Limit with Business Credit Cards

Questions & Answers about
Business Cards

See also the Best Credit Cards for:

750-850
Credit Score
700-749
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640-699
Credit Score
350-639
Credit Score