Best Credit Cards for Businesses
about Business Credit
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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.
What you should know:
Higher Limits:
Business credit cards typically have expanded limits - they can even be unlimited, depending on your credit history and type of business. An enlarged сredit limit will give your business the biggest purchasing power.
Reports Made Easy:
For small business, tracking your spending can be a hassle. Most business credit card issuers offer a reporting feature that breaks down spending by category and helps you analyze where your money goes.
Our Expert Advice:
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.
Business credit cards for Excellent/Good credit
Excellent/Good Credit
Required FICO score for this card: 660 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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| n/a | n/a | n/a | $450 | n/a | $0 |
- Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership.
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline.
- 20% Travel Bonus when using Membership Rewards® Pay with Points.
- Take advantage of 40 premium benefits to help power your business.
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select.
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day.
- Purchasing power that can adjust as your business evolves.
- Terms & Restrictions Apply.37
- Complimentary access to airport lounges.
- No foreign transaction fees.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (15 billing cycles) | 0% (15 billing cycles) | 11.99% - 17.99% (Variable) | $0 with one purchase per year15 | 3% | $0 |
- 0% Intro APR15 for 15 billing cycles on purchases and balance transfers.
- Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases.
- 25% annual bonus of your prior year´s cash rewards up to $250.
- No cap on the cash rewards you can earn and they never expire.
- $015 annual fee if you make one purchase per year, otherwise $2515.
- Earn cash back on business and other expenses.
- Receive a bonus on every account anniversary date.
- Use the card to pay no annual fee.
- Must have excellent credit to qualify for the card.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (until December 2013) | n/a | 12.9% - 20.9% (V) | $0 | n/a | See terms |
- Get a 50% bonus on the cash back you earn every year.
- Earn 1% cash back on every purchase, every day.
- Save with 0% intro APR on all purchases until December 2013.
- 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.
- No foreign transaction fee.
- Rewards program benefits are excellent.
- Free additional cards for employees.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 billing cycles) | 0% (12 billing cycles) | 11.99% - 17.99% (Variable) | $0 with $24,000 in purchases per year15 | 3% | $0 |
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
- Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses.
- Earn Triple FlexPoints for your charitable donations.
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card.
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more.
- $0 Annual Fee15 the first year, and every year your company spends $24,000 on card; otherwise $55.15
- Keep personal and business expenses separate.
- Earn points together with employees.
- Redeem rewards for an account statement credit and more.
- Business card for those with 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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| n/a | n/a | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that | n/a | See terms |
- 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.
- 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.
- Incredibly easy to earn miles,
- No foreign transaction fees,
- Great online banking tools and mobile app.
- Annual fee after the first year.
Excellent/Good Credit
Required FICO score for this card: 660 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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (6 months) | n/a | 13.24% (Variable) | n/a | 3% | $0 |
- Designed for businesses with an established credit history.
- Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership - enough for $150 in gift cards.
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
- No limit to the amount of points you can earn on purchases and points don´t expire.
- No annual fee.26
- Allows you to set a spending limit on cards issued to employees.
- Personal Business Assistant helps you book tickets, hotels, entertainment.
- Flexible bonus program.
Excellent/Good Credit
Required FICO score for this card: 660 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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| n/a | n/a | 15.24% - 19.24% (V) | $0 introductory annual fee for the first year, then $95 | n/a | $0 |
- Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership.
- You can check your first bag for free and save up to $50 on a round-trip Delta flight.
- 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases.
- Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases.
- $0 introductory annual fee for the first year, then $95.
- Terms & Restrictions Apply.
- Automatic discounts applied when you use your card at partners like FedEx, Hertz, and OfficeMax.
- Easily view account expense reports.
- Annual fee after first year.
- No 0% promotional periods.
Business credit cards for Fair credit
Average
Required FICO score for this card: 620 to 659
You can apply if: you have short credit history, recent missing payments, and you declared a bankruptcy once.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| n/a | n/a | 22.9% (V) | $0 | n/a | See terms |
- 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.
- Protects against fraud charges.
- Free cards for employees.
- Offers itemized year-end summaries.
- No 0% introductory rate.
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.
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 - 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:
Wells Fargo Debuts Secured Business Credit Card and Line of Credit
May 14, 2013
Wells Fargo is introducing a secured business credit card as well as a secured line of credit for small business owners with poor or limited credit.Continue reading
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Chase Ink Adds Receipt Capture to Mobile AppMay 07, 2013
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Small Business Owners Support Other Small BusinessesMay 06, 2013
related research:
Citi Business AAdvantage World MasterCard 30,000 Bonus Miles
January 25, 2013
The Citi Business AAdvantage World MasterCard is a credit card for well-established businesses with frequent travelers. Cardholders accrue miles with every purchase and can redeem them for flights on American Airlines or any of its partner airlines.Continue reading
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Starwood Preferred Guest Business Credit Card from American Express 25,000 Starpoints Bonus with No Blackout DatesJanuary 18, 2013
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CitiBusiness ThankYou Card: Triple ThankYou Points and a 15,000 Point Sign-On BonusJanuary 15, 2013
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!
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.
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Business Credit Cards Video
Get a Higher Credit Limit with Business Credit Cards
July 18, 2012
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