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Credit Cards»Business Credit Cards

Business Credit Cards

What are business credit cards?

Are you shopping for a card that can give your company a helping hand? Small business credit cards from our partners can provide your operation with extra buying power and the ability to track your expenses. These cards typically offer rewards for everyday purchases, allowing you to save money on required expenditures. Compare the best business credit cards to find the one that will fit your company's financial needs.

Who should get one?

These cards are typically designed for and offered to those with excellent credit. If your credit is spotty, you may not qualify.

Business cards are ideal for the small business owner or entrepreneur that would benefit from additional purchasing power and expense tracking. With a business credit card, you earn rewards for daily operational purchases, keeping more cash in the expense account. Some cards offer low APRs, making them useful for the business owner who needs to carry a balance.

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What are some pros and cons?

Business credit cards generally offer rewards on purchases made at business-related merchants, like office supply stores and restaurants. Many also offer quarterly and year-end summaries to track expenditures. By putting all of your business expenses on one card, you'll optimize accounting and save money. But you may be personally liable for any unpaid debt on the card in some cases, which can affect your personal credit score.

Tips on business credit cards

Careful -- some credit card companies will check your personal credit history when you apply for a business card. It's important to ask the credit card company if they'll be reviewing your personal history. Your personal credit could be impacted by any debt on the business card.

It's also crucial to find a card that offers perks tailored to your frequent business expenses such as travel rewards, gas rewards or cash-back.

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  • logo
    Capital One® Spark® Cash Select for Business
    • 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 November 2016; 13.24%-21.24% 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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until November 2016
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.24% - 21.24% (Variable)
    $0
    Excellent, Good
  • logo
    Capital One® Spark® Cash for Business
    • 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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.24% (Variable)
    $0 intro for first year; $59 after that
    Excellent, Good
  • logo
    Capital One® Spark® Miles for Business
    • 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 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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.24% (Variable)
    $0 intro for first year; $59 after that
    Excellent, Good
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    Ink Cash® Business Credit Card
    • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
    • 0% introductory APR for 12 months on purchases and balance transfers
    • Employee cards at no additional cost
    • No Annual Fee
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    12 months
    Intro APR Period
    0%
    Intro APR
    12 months
    Intro APR Period
    13.49% Variable
    No Annual Fee
    Excellent Credit
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    Bank of America® Cash Rewards for Business MasterCard® Credit Card
    • Get a $100 statement credit after $500 in purchases within 60 days of account opening — with no annual fee and no limit to the base cash back you can earn
    • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases
    • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 billing cycles
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.49% to 21.49% Variable APR on purchases and balance transfers
    $0
    Excellent Credit
  • logo
    Capital One® Spark® Miles Select for Business
    • 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 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 November 2016; 13.24%-21.24% 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
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until November 2016
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.24% - 21.24% (Variable)
    $0
    Excellent, Good
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    Bank of America® WorldPoints® Travel Rewards for Business Visa® Credit Card
    • Get a $100 statement credit after $500 in purchases within 60 days of account opening — with no international transaction fee, no annual fee, and no limit to the points you can earn
    • Earn 1.5 WorldPoints rewards points for every $1 on all purchases and 5,000 bonus points after the first purchase on your account
    • Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center
    • Redeem points for gift cards, cash, and travel with no blackout dates
    • Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 billing cycles
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.49% to 21.49% Variable APR on purchases and balance transfers
    $0
    Excellent Credit
  • logo
    SimplyCash® Business Card from American Express
    • Limited Time Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by April 27, 2016
    • No annual fee
    • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
    • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
    • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
    • Terms and limitations apply
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 months
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.49% - 19.49% Variable
    $0
    Excellent Credit
  • logo
    The Blue for Business® Credit Card from American Express
    • Limited Time Offer: get up to 20,000 Membership Rewards® points
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
    • Plus, for a limited time: get an additional 10,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by 04/20/2016
    • Plus, get 30% more points on purchases with an annual points bonus
    • Get a low introductory APR on purchases for 9 months
    • No Annual Fee
    • Terms & Restrictions Apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 months
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.49% - 19.49% Variable
    $0
    Excellent Credit
  • logo
    Gold Delta SkyMiles® Business Credit Card from American Express
    • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
    • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
    • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
    • Pay no foreign transaction fees when you spend overseas.
    • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
    • Terms and limitations apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.49% - 19.49% Variable
    $0 introductory annual fee for the first year, then $95
    Excellent Credit
  • logo
    CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
    • Designed for businesses with an established credit history
    • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
    • First checked bag is free on domestic American Airlines flights for you and up to four companions traveling with you on the same reservation*
    • Enjoy Group 1 Boarding on American Airlines flights*
    • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases
    • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications and car rental merchants - and at gas stations after 11/15/15.
    • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.49% (Variable)
    $95, waived for the first 12 months*
    Excellent Credit
  • logo
    PEX Visa® Prepaid Card For Business
    • Enjoy no interest charges ever
    • Approve employee purchases and allocate funds — with 24/7 access and control from any computer or mobile device.
    • Free PEX mobile app for on-the-go account management
    • Restrict individual cardholder spending at the merchant category level (e.g. YES for Gas, NO for Restaurants)
    • No transaction fees on U.S. purchases, no load fees, no card issuance fees, no annual maintenance fees.
    • Free Trial Period of at least 2 months
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $7.50 Monthly
    N/A
  • logo
    The Business Platinum Card® from American Express OPEN
    • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
    • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.
    • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
    • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.
    • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
    • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
    • Terms & Restrictions Apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $450
    Excellent Credit
  • logo
    The Business Gold Rewards Card from American Express OPEN
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
    • Get 3x points - Choose 1 out of 5 categories
    • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
    • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
    • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
    • No foreign transaction fees
    • $0 introductory annual fee for the first year, then $175
    • Terms and limitations apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee for the first year, then $175
    Excellent Credit
  • logo
    The Plum Card® from American Express OPEN
    • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
    • Take up to 60 days to pay with no interest, if you pay your minimum due.
    • Use the power of the Plum Card to buy big for your business.
    • Unlock new opportunities with a spending limit that can grow with your business.
    • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
    • No Foreign Transaction Fees.
    • Introductory annual fee of $0 for the first year, then $250
    • Terms & Restrictions Apply.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee your first year, then $250
    Excellent Credit
  • logo
    U.S. Bank Business Edge™ Cash Rewards Card
    • 3% cash back on cellular, gas and office supply store net purchases**
    • 1% cash back on all other net purchases
    • No cap on total rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250
    • No annual fee*
    • Net purchases are purchases minus credits and returns
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    9 billing cycles*
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.24% - 18.24%* (Variable)
    $0*
    Excellent Credit
  • logo
    U.S. Bank Business Edge™ Select Rewards
    • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
    • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
    • Earn 1 point per dollar on all other net purchases
    • No cap on total points you can earn
    • No annual fee*
    • Net purchases are purchases minus credits and returns
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    9 billing cycles*
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.24% - 18.24%* (Variable)
    $0*
    Excellent Credit
  • logo
    Capital One® Spark® Classic for Business
    • 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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    23.24% (Variable)
    $0
    Fair Credit
  • logo
    Starwood Preferred Guest® Business Credit Card from American Express
    • Earn 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
    • New: No Foreign Transaction Fees on international purchases.
    • New: Receive free in-room, premium internet access. Booking requirements apply.
    • New: Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
    • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
    • $0 introductory annual fee for the first year, then $95.
    • Terms and limitations apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.49% - 19.49% Variable
    $0 introductory annual fee for the first year, then $95
    Excellent Credit
  • logo
    Business Green Rewards Card from American Express OPEN
    • Get 5,000 Membership Rewards® points after your first purchase on the Card
    • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
    • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
    • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
    • $0 introductory annual fee for the first year, then $95
    • Terms & Limitations Apply
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee for the first year, then $95
    Excellent Credit
  • logo
    U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card
    • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
    • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
    • Earn one FlexPoint for every $1 spent in net purchases
    • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
    • Earn Triple FlexPoints on qualifying charitable donations
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
    • $0 intro Annual Fee* the first year, and $55 per year thereafter (+$10 for employees)
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.24% - 18.24%* (Variable)
    $0* intro for the first year, then $55*
    Excellent Credit
  • logo
    D&B Business Credit File
    • Demonstrate your company's financial stability to creditors and suppliers
    • Gain access to all of your D&B® scores and ratings to ensure there are no surprises
    • Fix inaccuracies in your D&B report before they negatively impact your relationships
    • Document your company's payment history in your D&B® credit file.
    • This is not a credit card, nor a line of credit. CreditBuilder™ is a product that can help you manage your business credit file.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $99 Monthly or $1099 Annually
    N/A
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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