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Credit Card Applications » Business Credit Cards

Best Credit Cards for Your Business

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.

Select Your Credit History:
bad credit
fair credit
excellent/good credit
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Check this if you don't know your credit history. You'll see the best card offers independently of the credit history.
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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
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 every month.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a16.9% (Variable)$0 intro for first year;
$59 after that
n/aSee terms
Card Details:
  • Earn 2% cash back on every purchase, every day.
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.
  • Cash rewards 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.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • No foreign transaction fees.
  • Earn unlimited cash rewards that don′t expire.
Our Expert Opinion
  • Earn 2% cash back on every purchase, every day.
  • Cash rewards don′t expire, and there are no categories to limit where or what you buy.
  • No foreign transaction fees.

See card details
Excellent / Good Credit

Excellent/Good Credit
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 every month.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/an/a16.9% (Variable)$0 intro for first year;
$59 after that
n/aSee terms
Card Details:
  • Earn 2 miles per dollar spent on every purchase, every day.
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • 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 dollar spent on every purchase, every day.
  • Miles don′t expire, and there are no categories to limit where or what you buy.
  • Redeem miles for travel, cash back, gift cards, and more.

See card details
Excellent / Good Credit

Excellent/Good Credit
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 every month.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (until January 2016)n/a12.9% - 20.9% (Variable)$0n/aSee terms
Card Details:
  • Earn 1.5 miles per dollar spent on every purchase, every day.
  • Plus, a one-time bonus of 20,000 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.
  • Save on interest with 0% intro APR on purchases until January 2016; 12.9% - 20.9% 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 dollar spent on every purchase, every day.
  • Miles don′t expire, and there are no categories to limit where or what you buy.
  • Pay no annual fee or foreign transaction fees.

See card details
Excellent Credit

Excellent Credit
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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
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 making $1,000 in purchases within the first 3 months of account opening.26
  • First checked bag is free on domestic American Airlines and US Airways flights for you and up to four companions traveling with you on the same reservation.26
  • Enjoy boarding privileges with Group 1 on American Airlines flights and Zone 2 on US Airways operated flights.26
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® and US Airways purchases.
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.26
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines and US Airways flights.26
Our Expert Opinion
  • Earn American Airlines AAdvantage® bonus miles.
  • Great travel reward program.
  • First checked bag is free.

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

Excellent/Good Credit
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 every month.

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 (10)
You've selected 10 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:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (until January 2016)n/a12.9% - 20.9% (Variable)$0n/aSee terms
Card Details:
  • Earn 1.5% cash back on every purchase, every day.
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months.
  • Save on interest with 0% intro APR on purchases until January 2016; 12.9% - 20.9% variable APR after that.
  • Pay no annual fee or foreign transaction fees.
  • 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
  • Earn 1.5% cash back on every purchase, every day.
  • Pay no annual fee or foreign transaction fees.
  • Earn unlimited cash rewards that don′t expire.

See card details
Excellent / Good Credit

Excellent/Good Credit
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 every month.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Save on interest with our lowest intro APR on all purchases until April 2016; 10.9% - 18.9% variable APR after that
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (until April 2016)n/a10.9% - 18.9% (Variable)$0n/aSee terms
Card Details:
  • Save on interest with our lowest intro APR on all purchases until April 2016; 10.9% - 18.9% variable APR after that.
  • Pay no annual fee or foreign transaction fees.
  • 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, cash back, gift cards and more.
  • Fraud coverage if your card is ever lost or stolen.
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service.
Our Expert Opinion
  • Pay no annual fee or foreign transaction fees.
  • Build business credit with responsible use.
  • Fraud coverage if your card is ever lost or stolen.

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 (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Build business credit with responsible use
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
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% (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.
  • Build business credit with responsible use.
  • Fraud coverage if your card is ever lost or stolen.

See card details

Business credit cards for Bad credit

Bad Credit

Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Complete Your Application in Just 60 Seconds!
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/a n/a23.99%See termsn/a$125
Card Details:
  • Turn Your Hobby or Interest into a Business.
  • Bad Credit? No Problem! Easy Approval!! Complete Your Application in Less Than 60 Seconds!
  • Separate Your Business Expenses for Tax Purposes.
  • Perfect for Sole Proprietors and Entrepreneurs.
  • No Security Deposit Required.
  • Just Starting Your Business? Let Us Help You Grow!
Our Expert Opinion
  • Good card for small businesses.

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 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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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.

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Get a Higher Credit Limit with Business Credit Cards

December 01, 2014

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