Credit Cards» Business Credit Cards

Business Credit Cards

  • What are business credit cards?
  • Who should get one?
  • What are some pros and cons?
  • Tips on 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.

Show More

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.

Show More
×

Advertiser Disclosure

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

logo
Apply Now
SimplyCash® Plus Business Credit Card from American Express
on American Express's
secure website, or call
866-474-2158
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 13.99% - 20.99%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
13.99% - 20.99% Variable
$0
Excellent Credit
logo
Apply Now
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
on Bank of America's
secure website
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.
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
12.74% - 22.74% Variable APR On Purchases And Balance Transfers
$0
Excellent Credit
logo
Apply Now
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's
secure website
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Orbitz®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.
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
12.74% - 22.74% Variable APR On Purchases And Balance Transfers
$0
Excellent Credit
logo
Apply Now
Business Green Rewards Card from American Express OPEN
on American Express's
secure website
  • Earn 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
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
|
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
Apply Now
GM BuyPower Business Card from Capital One®
on Capital One's
secure website
  • Enjoy a onetime bonus of $250 in BuyPower Card Earnings once you spend $3,000 on purchases within 90 days from account opening. Offer expires 7/31/2018 *.
  • 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire on an open Account; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 18.49% after that
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
12 Months
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
18.49% Variable APR
$0
Excellent Credit
logo
Apply Now
Bank of America® Platinum Visa® Business credit card
on Bank of America's
secure website
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
  • Get a flexible suite of online services that adopts to your business needs with MyReport Center.
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
7 Billing Cycles
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
10.74% - 21.74% Variable APR On Purchases And Balance Transfers
$0
Excellent Credit
logo
Apply Now
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
on Citi's
secure website
  • Designed for businesses
  • For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred 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, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
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
17.49% - 25.49%* Variable
$95, waived for first 12 months*
Excellent/Good
logo
Apply Now
Delta Reserve for Business Credit Card
on American Express's
secure website
  • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 Miles per dollar spent on eligible 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.‡
  • Complimentary Delta Sky Club® Access.‡
  • Terms and limitations apply
|
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
16.99% - 20.99% Variable
$450
Good,Excellent
logo
Apply Now
Capital One® Spark® Classic for Business
on Capital One's
secure website
  • 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
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
24.49% Variable
$0
Average, Fair, Limited
logo
Apply Now
The Fuelman Commercial Advantage FleetCard
on FLEETCOR's
secure website
  • Save up to 10 cents* per gallon on all fuel types with our wholesale-based pricing
  • Accepted at over 50,000 fueling locations and 20,000 maintenance locations nationwide
  • Customize purchase limits by gallon amount, type of fuel, or time and date of transactions
  • Control fraud with real-time exception email alerts and online access to purchase activity 24/7/365
  • Easily find fueling locations near you with the Fuelman.com online site locator and the Fuelman Mobile Site Locator® iPhone application
  • Terms and conditions apply
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
Fair Credit