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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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.
January 2020. 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.
- Best for Business
- Cash Back
- Travel & Airline
- Fair/Limited Credit
our choice
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfer
N/A
Regular APR
14.49% - 22.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- No annual fee
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
our choice
our choice
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfer
N/A
Regular APR
14.49% to 22.49% Variable
Balance Transfer Fee
5%
Annual Fee
$0
- 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.
our choice
our choice
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfer
N/A
Regular APR
14.49% - 22.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- No annual fee
- Free employee cards, which also earn unlimited 1.5% 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
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0 intro for first year; $95 after that
- Click "APPLY ONLINE" to apply now
- Limited Time Offer: Earn up to $2,000 in cash bonuses
- Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0 intro for first year; $95 after that
- Click "APPLY ONLINE" to apply now
- Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
- Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
24.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 1% 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
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
17.49% - 26.49% (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
- 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
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.74% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- 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
our choice
our choice
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfer
N/A
Regular APR
14.49% to 22.49% Variable
Balance Transfer Fee
5%
Annual Fee
$0
- 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.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0 intro for first year; $95 after that
- Click "APPLY ONLINE" to apply now
- Limited Time Offer: Earn up to $2,000 in cash bonuses
- Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 annual fee for the first year; $95 after that
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- $0 Fraud Liability if your card is lost or stolen
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfer
N/A
Regular APR
14.49% - 22.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
- Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- No annual fee
- Free employee cards, which also earn unlimited 1.5% 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
- $0 Fraud Liability if your card is lost or stolen
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
24.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 1% 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
- No foreign transaction fees
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
16.74% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- 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
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0 intro for first year; $95 after that
- Click "APPLY ONLINE" to apply now
- Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
- Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
our choice
our choice
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfer
N/A
Regular APR
14.49% - 22.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
- Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- No annual fee
- Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
17.49% - 26.49% (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
- 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
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
24.49% (Variable)
Balance Transfer Fee
N/A
Annual Fee
$0
- Click "APPLY ONLINE" to apply now
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- No annual fee
- Build and strengthen credit for your business by using this credit card responsibly
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 1% 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
- No foreign transaction fees
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
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
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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...
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commentsABOUT
BUSINESS CREDIT CARDS
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