Small Business Credit Cards October 2019
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Best 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.
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% on purchases for 9 months
N/A
14.74% - 22.74% (Variable)
N/A
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1.5 miles per $1 on every purchase
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% 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
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Excellent/Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% (12 Months)
N/A
14.74% to 22.74% Variable
5%
$0
CARD DETAILS:
- INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
- Earn 1.5% cash back on every dollar spent on all purchases.
- Redeem your cash back for any amount, any time. Your rewards never expire.
- Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
- Add up to 50 free employee cards.
- No annual fee.
- 100% U.S. based customer service. Talk to a real person at any time, day or night.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
0% on purchases for 9 months
N/A
14.74% - 22.74% (Variable)
N/A
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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 from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- No annual fee
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
N/A
N/A
18.74% (Variable)
N/A
$0 intro for first year; $95 after that
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 2% cash back for your business on every purchase, everywhere
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
N/A
N/A
18.74% (Variable)
N/A
$0 intro for first year; $95 after that
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 2 miles per $1 on every purchase, everywhere
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- $0 intro annual fee for the first year; $95 after that
- $0 fraud liability if your card is lost or stolen
- Free employee cards which also earn unlimited 2x miles from their purchases
- No foreign transaction fees
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
N/A
N/A
24.74% (Variable)
N/A
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- 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
Excellent/Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
N/A
N/A
17.49%-25.49%* (Variable)
N\A
$99, waived for first 12 months*
CARD DETAILS:
- Designed for businesses
- Earn 70,000 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
- Earn 2 AAdvantage® miles per $1 spent 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*
- No Foreign Transaction Fees*
Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Balance Transfer Fee
Annual Fee
N/A
N/A
16.99%* (Variable)
N/A
$0*
CARD DETAILS:
- Discover the only business credit card designed exclusively for Costco members
- 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
- No annual fee with your paid Costco membership* and enjoy no foreign transaction fees on purchases*
- Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases*
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Excellent/Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (12 Months)
N/A
14.74% to 22.74% Variable
$0
CARD DETAILS:
- INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
- Earn 1.5% cash back on every dollar spent on all purchases.
- Redeem your cash back for any amount, any time. Your rewards never expire.
- Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
- Add up to 50 free employee cards.
- No annual fee.
- 100% U.S. based customer service. Talk to a real person at any time, day or night.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 2% cash back for your business on every purchase, everywhere
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% on purchases for 9 months
N/A
14.74% - 22.74% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- 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 from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- No annual fee
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.74% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- 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
Excellent Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
16.99%* (Variable)
$0*
CARD DETAILS:
- Discover the only business credit card designed exclusively for Costco members
- 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
- No annual fee with your paid Costco membership* and enjoy no foreign transaction fees on purchases*
- Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases*
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn unlimited 2 miles per $1 on every purchase, everywhere
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- $0 intro annual fee for the first year; $95 after that
- $0 fraud liability if your card is lost or stolen
- Free employee cards which also earn unlimited 2x miles from their purchases
- No foreign transaction fees
Excellent, Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% on purchases for 9 months
N/A
14.74% - 22.74% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Earn 1.5 miles per $1 on every purchase
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% 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
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Excellent/Good Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
17.49%-25.49%* (Variable)
$99, waived for first 12 months*
CARD DETAILS:
- Designed for businesses
- Earn 70,000 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
- Earn 2 AAdvantage® miles per $1 spent 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*
- No Foreign Transaction Fees*
Average, Fair, Limited Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
24.74% (Variable)
$0
CARD DETAILS:
- Click «APPLY ONLINE» to apply now
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- 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
Any Credit
Compare
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
N/A
$0
CARD DETAILS:
- 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.
Not Sure Which Card to Choose? Ask Our Experts!
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.
See also Credit Cards for: