Business Cards by Bankrate

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Bankrate.com makes finding, comparing, and applying for a credit card an easy process!
Below you will find a listing of some of the most popular cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

Capital One® Spark^SM Cash for Business
	Earn 2% cash back on every purchase, every day Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months Receive a $50 cash bonus by signing up for one or more employee cards Enjoy award-winning small business customer service $0 intro annual fee for the first year; $59 after that Redeem cash rewards anytime, for any amount, even set up automatic redemption Earn unlimited cash rewards that don't expire

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	13.9% - 20.9% (V)	$0 intro for first year; $59 after that	Excellent Credit

Capital One® Spark^SM Miles Select for Business
	Get a 50% bonus on the miles you earn every year Earn 1 mile per dollar on every purchase, every day Save with 0% intro APR on all purchases until December 2013 Enjoy no annual fee 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

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until December 2013	N/A	N/A	12.9% - 20.9% (V)	$0	Excellent Credit

Capital One® Spark^SM Classic for Business
	Enjoy no annual fee Build business credit with responsible use with eligibility for an automatic credit line increase Earn 1% cash back on every purchase, every day Separate business expenses from personal expenses $0 Fraud Liability if your card is ever lost or stolen Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	22.9% (V)	$0	Fair Credit

Bank of America® WorldPoints® Travel Rewards for Business Visa® Card
	Earn 1.5 WorldPoints® rewards points for every $1 on all purchases Earn 5,000 bonus points after the first purchase on your account and 3 points for every $1 spent for travel booked through Bank of America's Travel Center No annual fee 0% intro APR on purchases for the first 9 billing cycles No limit to the points you can earn and points do not expire No international transaction fee Redeem your points for travel with no blackout dates Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, auto rental collision coverage and a 24/7 concierge service

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	9 billing cycles	N/A	N/A	As low as 11.24% variable APR*	$0	Excellent Credit

Ink Plus® Business Card
	Reward yourself with 50,000 bonus points after you spend $5,000 in the first 3 months from account opening With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel No foreign transaction fees Free employee cards 1:1 point transfer to participating travel programs with no transfer fees Get 20% off travel redemptions when booked through Ultimate Rewards.

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	13.24% (Variable)	$0 Intro Annual Fee for the first year. After that, $95.	Excellent Credit

Capital One® Spark^SM Miles for Business
	Earn 2 miles per dollar on every purchase, every day Get 10,000 bonus miles - just spend $1,000 on purchases within the first 3 months Receive 5,000 bonus miles by signing up for one or more employee cards Enjoy exclusive, award-winning customer service $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, merchandise, and more Fly on any airline, anytime, with no blackout dates or seat restrictions

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	13.9% - 20.9% (V)	$0 intro for first year; $59 after that	Excellent Credit

Capital One® Spark^SM Cash Select for Business
	Get a 50% bonus on the cash back you earn every year Earn 1% cash back on every purchase, every day Save with 0% intro APR on all purchases until December 2013 Enjoy no annual fee 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

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until December 2013	N/A	N/A	12.9% - 20.9% (V)	$0	Excellent Credit

Bank of America® WorldPoints Rewards for Business™ Visa® Card
	Earn 2X WorldPoints rewards points per $1 on purchases at gas stations, restaurants and office supply stores And, earn 1 WorldPoints rewards point per $1 on all other purchases No limit to the points you can earn Employee cards at no additional cost with credit limits you control Our Clarity Commitment™ provides small businesses with financial understanding and protection Extended grace period on purchases - at least 25 days from statement closing date

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	9 billing cycles	N/A	N/A	As low as 11.24% variable APR*	$0	Excellent Credit

Bank of America® Cash Rewards for Business MasterCard® Card
	1% cash back on all purchases 2% cash back at restaurants 3% cash back at gas stations and at office supply stores 0% APR for the first 9 billing cycles No limit to the cash back you can earn Employee cards at no additional cost with credit limits you control

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	9 billing cycles	N/A	N/A	As low as 11.24% variable APR*	$0	Excellent Credit

Ink Bold® Business Card
	Click "APPLY NOW" to apply online or call 877-870-3326 Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening. No interest charges because it's a pay in full charge card. Earn 5X points per dollar in select business categories. 1:1 point transfer to leading frequent travel programs. No foreign transaction fees Direct access to a live service advisor anytime. $0 Intro Annual Fee for the first year, then $95.

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	N/A	$0 1^st year, then $95	Excellent Credit

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Definitions

Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Purchases Intro APR: The initial interest rate that is charged for a specified period of time.

Purchases Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip

Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.

Credit card tip

Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.

Credit card tip

If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.

Quality Assurance

Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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.

Product	Rate
Balance Transfer Cards	15.92%
Cash Back Cards	16.34%
Low Interest Cards	11.01%
Rewards Cards	15.80%

Ink Cash® Business Card
	Click "APPLY NOW" to apply online or call 877-226-6345 Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services 2% cash back on the first $25,000 spent annually at gas stations and restaurants 1% cash back on all other card purchases with no limit to the amount you can earn 0% introductory APR for 6 months on purchases and balance transfers No Annual Fee

The Business Platinum Card® from American Express OPEN
	Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline 20% Travel Bonus when using Membership Rewards® Pay with Points Take advantage of 40 premium benefits to help power your business Complimentary access to 600+ participating airport lounges through Priority Pass™ Select Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day Purchasing power that can adjust as your business evolves Terms & Restrictions Apply*

SimplyCash® Business Card from American Express
	With no annual membership fee, it's a smart choice for your business Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers 3% at U.S. gas stations 1% on other purchases Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%. Terms and limitations apply

The Business Gold Rewards Card® from American Express OPEN
	Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†. Earn points even faster to get more rewards for your business. 3X points on airfare purchased from airlines. 2X points at US gas stations. Up to $100,000 in each category per year, then 1 point. Terms and limitations apply. Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business. $0 introductory annual fee for the first year, then $175. †Apply online to qualify for this offer. See offer terms for details.

Gold Delta SkyMiles® Business Credit Card from American Express
	Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership You can check your first bag for free and save up to $50 on a round-trip Delta flight 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases $0 introductory annual fee for the first year, then $95 Terms & Restrictions Apply

Bank of America® Platinum Visa® Business Credit Card
	Reach dedicated customer service and small business sales specialists for advice and help 24/7 Get protection for most purchases against loss, damage, theft, or fire for up to 90 days Employee cards at no additional cost with credit limits you control Our Clarity Commitment™ provides small businesses with financial understanding and protection Rate on existing balances will only change if promo ends or the Prime rate changes Extended grace period on purchases - at least 25 days from statement closing date

CitiBusiness® / AAdvantage® World MasterCard®
	Designed for businesses with an established credit history Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership* First eligible checked bag free for you and up to 4 traveling companions* Priority Boarding with Group 1 privileges* Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants* 25% Savings on eligible in-flight purchases

The Plum Card® from American Express OPEN
	Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Do Business On Your Terms $0 introductory annual fee for your first year, then $250. No annual fee for Additional Cards Terms & Restrictions Apply

CitiBusiness ThankYou^SM Card
	Designed for businesses with an established credit history Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards 0% intro APR on Purchases for 6 months. After that, 13.24% variable. Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories. Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash No limit to the amount of points you can earn on purchases and points don't expire. No annual fee *

Starwood Preferred Guest® Business Credit Card from American Express
	Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program Earn 1 Starpoint® for each dollar of eligible purchases $0 introductory annual fee for the first year, then $65 Terms and limitations apply

U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
	Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees Earn one FlexPoint for every $1 of eligible net purchases charged to your card Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses Earn Triple FlexPoints for your charitable donations Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card 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 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
	0% Intro APR* for 15 billing cycles on purchases and balance transfers Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases 25% annual bonus of your prior year's cash rewards up to $250 No cap on the cash rewards you can earn and they never expire $0* annual fee if you make one purchase per year, otherwise $25*

Business Green Rewards Card from American Express OPEN
	Receive 5,000 bonus points on your first purchase No pre-set spending limit* or finance charges Earn one Membership Rewards® point for every dollar you spend Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees $0 introductory annual fee for the first year, then $95 Terms & Restrictions Apply.

PEX Visa® Prepaid Card For Business
	Instantly fund employee purchases. Gain 24/7 control over where and how much employees spend. Save money - no surprise interest charges or overdraft fees. Free Trial Period - No Monthly Fee for at least 2 months after you enroll No transaction fees No deposit fees Cards are personalized with the cardholder's name The funds on deposit are corporate funds - not employee-owned