Small Business Credit Cards

Advertising Disclosure
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Financing Solutions
to BUILD SMALL BUSINESS

Business Loans for All Credit Levels
Only Reputed Banks & Credit Issuers
Advantageous Credit Terms
BUSINESS CREDIT CARD FOR
Average, Fair, Limited Credit
Capital One® Spark® Classic for Business

Best Loan For Your Business to Grow:

BUSINESS CREDIT CARDS FOR EXCELLENT CREDIT:
Capital One® Spark® Cash Select for Business
NO ANNUAL FEE
Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.24% - 21.24% (Variable)
Annual Fee: $0
Card Description:
  • 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; 13.24%-21.24% variable APR after that
Capital One® Spark® Miles Select for Business
NO ANNUAL FEE
Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.24% - 21.24% (Variable)
Annual Fee: $0
Card Description:
  • 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
Capital One® Spark® Cash for Business
$0 INTRO ANNUAL FEE
Intro APR on Purchases: N/A
Regular APR: 17.24% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Card Description:
  • 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
Capital One® Spark® Miles for Business
$0 INTRO ANNUAL FEE
Intro APR on Purchases: N/A
Regular APR: 17.24% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Card Description:
  • 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

WHAT YOU NEED TO KNOW ABOUT BUSINESS CREDIT

Business and Personal
Credit Rating

Personal credit report is not the only credit report you can have. If you are a business owner, there also may be a business credit report in your name. Your personal and business reports are not linked, so it can be worthy to have a separate business credit score. Having a separate business score may reduce your personal credit risk.

Building
Business Credit

When you have a small business and want to start building your business credit, you will likely need to rely on your personal credit score to prove your creditworthiness. But as your company grows, it is important to separate your business credit history from your personal credit. Constantly monitor your business credit report and score because they are dynamic.

Get Rewards
with Business Credit Cards

When you spend a lot on supplies for your business you may wish to get some rebates. The business credit cards can give you such rebates, notably you can earn cash back or bonus points on every purchase you charge on your business credit card. Some credit card issuers may even offer higher rewards in particular spending categories.