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ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.
February 2023: Best Loans and Business Credit Cards from Our Partners
Best business cards are the ones that can help you keep track of your business expenses, save on card purchases and interest, earn rewards, or even travel for free. Today applying for a business credit card is a wise decision that will pay off.
Compare business credit card offers from our partners below and see which of the small business credit cards can save you thousands of dollars every year.
- Best for Business
- Excellent / Good Credit
- Fair/Limited Credit
- Business Loans
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.24% - 29.24% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$99, waived for first 12 months
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
our choice
our choice
Intro APR on Purchases
Factor based
Intro APR on Balance Transfer
N/A
Regular APR
N/A
Balance Transfer Fee
N/A
Annual Fee
$0
- Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 3% cash back on every single card purchase. All categories apply.
- The card that cares less about your credit score and more about your business.
- Includes the Revenued Flex Line.
- A flexible line and business card bundled in one.
- No annual, application, or draw fees.
- Terms apply.
- Spending limit determined by cash flow of your business and other factors.
our choice
our choice
Intro APR on Purchases
0% (12 Months)*
Intro APR on Balance Transfer
N/A*
Regular APR
18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
Balance Transfer Fee
N/A*
Annual Fee
None*
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 18.24% to 28.24% APR after.*
- 5% in Earnings on GM dealership parts, accessories or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See terms
Balance Transfer Fee
See terms
Annual Fee
$0
- Limited time offer. Get up to $25,000 in AWS Active Credits.
- Control your rewards earnings: earn 2x - 7x on restaurants, 2x - 5x on hotels, 1.5x - 2x on recurring software subscriptions and 1x - 1.5x on everything else.
- There are no annual fees, no monthly fees, no initiation fees, and no hidden fees.
- Stable credit lines
- Real-time transaction tracking
- Budgets with built-in spend controls
- Free-to-use software platform.
- As many physical & virtual cards as you need
- Divvy reports customer credit performance to the Small Business Financial Exchange (SBFE®)
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
0%
Balance Transfer Fee
N/A
Annual Fee
$0
- Unlimited 1.5% cash back.
- A charge card powered by the Visa network.
- No fees of any kind.
- Accepted at millions of retailers all over the world, with built-in fraud protections and benefits.
- Unlimited physical and virtual cards, available instantly, accepted everywhere.
- Control spending like never before with the ability to fine-tune each card’s limits by amount, time, or category.
- Ramp is the finance automation platform designed to save you time and money.
our choice
our choice
Maximum Loan Amount
$10,000,000
Minimum Loan Amount
$10,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Financing options for your business’s needs.
- Low rates. Flexible terms. Streamlined process.
- Get approved today and have money in your account within as little as 24 hours.
- No obligation - prequalify without affecting your credit!
our choice
our choice
Maximum Loan Amount
$5,000,000
Minimum Loan Amount
$5,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Find your best loan offer from competing lenders
- Loans up to $5M. Rates from 4.99%
- Checking rates won't affect your credit score
our choice
our choice
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
- Find Financing for Your Business
- Low down payments
- Long payment terms
- Reasonable interest rates
- Suitable for a wide range of business purposes
our choice
our choice
Maximum Loan Amount
$10,000
Minimum Loan Amount
$2,500
Minimum Income Required
N/A
Minimum Age of a Borrower
18
- A 0% interest rate loan option available – 100% of every monthly payment builds credit and savings of the company!
- Three account sizes to choose from $2,500 or $5,000 or $10,000
- Bad credit or no credit? No problem.
- Build Business Credit Using Your EIN
- No upfront security deposit required
- No credit score required
- No credit check – easy approval
- Cancel any time with no penalty
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
N/A
Balance Transfer Fee
See terms
Annual Fee
$0
- The convenience of a card with the benefits of a line of credit up to $250,000
- The Kabbage® Card is ready whenever you need to pay a bill, secure great pricing, cover an unexpected expense or take advantage of a timely opportunity
- What to Expect: With Kabbage’s safe and secure online application you will link your latest business performance data and consent to a credit check to get a quick decision
- Using the Kabbage Card will not impact your personal credit
- Terms and Conditions apply. See website for important details.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
0%
Balance Transfer Fee
N/A
Annual Fee
$0
- Unlimited 1.5% cash back.
- A charge card powered by the Visa network.
- No fees of any kind.
- Accepted at millions of retailers all over the world, with built-in fraud protections and benefits.
- Unlimited physical and virtual cards, available instantly, accepted everywhere.
- Control spending like never before with the ability to fine-tune each card’s limits by amount, time, or category.
- Ramp is the finance automation platform designed to save you time and money.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
20.24% - 29.24% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$99, waived for first 12 months
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- No Foreign Transaction Fees
our choice
our choice
Intro APR on Purchases
0% (12 Months)*
Intro APR on Balance Transfer
N/A*
Regular APR
18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
Balance Transfer Fee
N/A*
Annual Fee
None*
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 18.24% to 28.24% APR after.*
- 5% in Earnings on GM dealership parts, accessories or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
our choice
our choice
Intro APR on Purchases
Factor based
Intro APR on Balance Transfer
N/A
Regular APR
N/A
Balance Transfer Fee
N/A
Annual Fee
$0
- Earn $500 cash back after you spend $5,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 3% cash back on every single card purchase. All categories apply.
- The card that cares less about your credit score and more about your business.
- Includes the Revenued Flex Line.
- A flexible line and business card bundled in one.
- No annual, application, or draw fees.
- Terms apply.
- Spending limit determined by cash flow of your business and other factors.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See terms
Balance Transfer Fee
See terms
Annual Fee
$0
- Limited time offer. Get up to $25,000 in AWS Active Credits.
- Control your rewards earnings: earn 2x - 7x on restaurants, 2x - 5x on hotels, 1.5x - 2x on recurring software subscriptions and 1x - 1.5x on everything else.
- There are no annual fees, no monthly fees, no initiation fees, and no hidden fees.
- Stable credit lines
- Real-time transaction tracking
- Budgets with built-in spend controls
- Free-to-use software platform.
- As many physical & virtual cards as you need
- Divvy reports customer credit performance to the Small Business Financial Exchange (SBFE®)
our choice
our choice
Maximum Loan Amount
$5,000,000
Minimum Loan Amount
$5,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Find your best loan offer from competing lenders
- Loans up to $5M. Rates from 4.99%
- Checking rates won't affect your credit score
our choice
our choice
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
- Find Financing for Your Business
- Low down payments
- Long payment terms
- Reasonable interest rates
- Suitable for a wide range of business purposes
our choice
our choice
Maximum Loan Amount
$10,000
Minimum Loan Amount
$2,500
Minimum Income Required
N/A
Minimum Age of a Borrower
18
- A 0% interest rate loan option available – 100% of every monthly payment builds credit and savings of the company!
- Three account sizes to choose from $2,500 or $5,000 or $10,000
- Bad credit or no credit? No problem.
- Build Business Credit Using Your EIN
- No upfront security deposit required
- No credit score required
- No credit check – easy approval
- Cancel any time with no penalty
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
N/A
Balance Transfer Fee
See terms
Annual Fee
$0
- The convenience of a card with the benefits of a line of credit up to $250,000
- The Kabbage® Card is ready whenever you need to pay a bill, secure great pricing, cover an unexpected expense or take advantage of a timely opportunity
- What to Expect: With Kabbage’s safe and secure online application you will link your latest business performance data and consent to a credit check to get a quick decision
- Using the Kabbage Card will not impact your personal credit
- Terms and Conditions apply. See website for important details.
our choice
our choice
Maximum Loan Amount
$10,000,000
Minimum Loan Amount
$10,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Financing options for your business’s needs.
- Low rates. Flexible terms. Streamlined process.
- Get approved today and have money in your account within as little as 24 hours.
- No obligation - prequalify without affecting your credit!
our choice
our choice
Maximum Loan Amount
$5,000,000
Minimum Loan Amount
$5,000
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Find your best loan offer from competing lenders
- Loans up to $5M. Rates from 4.99%
- Checking rates won't affect your credit score
our choice
our choice
Maximum Loan Amount
$10,000
Minimum Loan Amount
$2,500
Minimum Income Required
N/A
Minimum Age of a Borrower
18
- A 0% interest rate loan option available – 100% of every monthly payment builds credit and savings of the company!
- Three account sizes to choose from $2,500 or $5,000 or $10,000
- Bad credit or no credit? No problem.
- Build Business Credit Using Your EIN
- No upfront security deposit required
- No credit score required
- No credit check – easy approval
- Cancel any time with no penalty
our choice
our choice
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
- Find Financing for Your Business
- Low down payments
- Long payment terms
- Reasonable interest rates
- Suitable for a wide range of business purposes
our choice
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.
questionsABOUT
BUSINESS CREDIT CARDS
I have a small business. I saw JP Morgan credit cards, but I can't see the conditions. Will they benefit me?
Well, there is a number of solutions that JP Morgan offers for businesses, but they specialize in big enterprises. The make emphasis on the integration with the accounting system and being controlled easily. If you are...
Read moreHow to get rewards with business credit cards?
Many issuers of business credit cards offer cards with rewards programs. So look around to find such offer. A reward program will allow you to earn rewards on different business expenses. For example, if you have a lot...
Read moreHow to build business credit?
A separate business credit score can be build if the business is legally separate from the owner. That is you should own a corporation or a LLC. Also, your business should have a federal tax identification number (EIN)....
Read more
commentsABOUT
BUSINESS CREDIT CARDS🜂
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