Small Business Credit Cards

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Credit Card Applications » Business Credit Cards

Best Business Credit Cards from our partners

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.

Business credit cards for Excellent, Good credit

Capital One® Spark® Cash for Business
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Key Feature: Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/AN/A17.74% (Variable)$0 intro for first year; $59 after thatN/ASee terms
Card Details:
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Our Expert Opinion
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing

See card details
Capital One® Spark® Miles for Business
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Key Feature: Earn 2 miles per $1 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.Application Processing Fee
N/AN/A17.74% (Variable)$0 intro for first year; $59 after thatN/ASee terms
Card Details:
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $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 and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Our Expert Opinion
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy

See card details
Capital One® Spark® Miles Select for Business
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Key Feature: Earn 1.5 miles per $1 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.Application Processing Fee
0% on purchases for 9 monthsN/A13.74% - 21.74% (Variable)$0N/ASee terms
Card Details:
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • 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
Our Expert Opinion
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy

See card details
Capital One® Spark® Cash Select for Business
Compare
Key Feature: Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% on purchases for 9 monthsN/A13.74% - 21.74% (Variable)$0N/ASee terms
Card Details:
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Our Expert Opinion
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.74%-21.74% variable APR after that

See card details
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
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Key Feature: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/AN/A16.49% (Variable)$95, waived for first 12 months*3%See terms
Card Details:
  • Designed for businesses
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines domestic flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
Our Expert Opinion
  • Earn American Airlines AAdvantage® bonus miles.
  • Great travel reward program.
  • First checked bag is free.

  • $95, waived for first 12 months.*
See card details
Costco Anywhere Visa® Business Card by Citi
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Key Feature: 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (7 months)*N/A15.99%* (Variable)$0N/ASee terms
Card Details:
  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Our Expert Opinion
  • No annual fee with paid Costco Membership.
  • Cash back rewards.
  • Low interest rate for purchases.

  • Only for Costco members.
See card details

Business credit cards for Fair credit

Average, Fair, Limited Credit
Capital One® Spark® Classic for Business
Compare
Key Feature: Enjoy no annual fee
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/AN/A23.74% (Variable)$0N/ASee terms
Card Details:
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • 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
Our Expert Opinion
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use

See card details

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 card that fits your business needs.

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

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    Balance Transfer Calculator

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    December 01, 2014

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    See also Credit Cards for:

    Excellent Credit
    750-850
    Credit Score
    Good Credit
    700-749
    Credit Score
    Fair Credit
    640-699
    Credit Score
    Bad Credit
    350-639
    Credit Score