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Business credit cards

You take pride in your business, and you want a card that your business deserves — one that earns you the highest rewards, saves you on annual fees and offers a competitive APR. Learn more about credit cards that can grow and strengthen your business.

Ink Business Cash℠ Credit Card

  • Earn $500 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 internet, cable and phone 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
  • Employee cards at no additional cost
  • No annual fee
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Promoted
Updated May 23rd, 2019
Name Product Filter values Rewards Purchase APR Annual Fee
N/A
12.24% to 20.24% variable
$0
Enjoy a market-leading 0% intro APR on purchases and balance transfers for the first 20 billing cycles, reverting to a variable 12.24% to 20.24% APR. Rates & Fees
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
2x points on purchases through Amex Travel and 1x points on all other purchases
None (Charge Card)
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
7x points on rideshares, 4x points on travel booked through Brex Travel, 3x points at restaurants, 2x points on software subscriptions and 1x points on all other purchases
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
N/A
None (Charge Card)
$0
60-day interest-free financing for e-commerce businesses.

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How to compare business credit cards

When weighing your business card options, keep four top factors in mind to find the best for your needs.

  • Annual fee. Make sure you’ll use the card’s rewards and benefits enough to offset any annual fee.
  • APR. Find the lowest APR you’re eligible for. If you’re looking to transfer a balance or make a large purchase for your business, look for a card with a 0% intro APR on purchases and balance transfers.
  • Rewards. Look for a card that offers cash back, miles or points on your business spending. Pick a card that offers accelerated points in the areas you spend the most.
  • Signup bonus. A big bonus can help you earn a lot of rewards quickly. Make sure you can meet the spending requirement without overspending.

Business vs. personal credit cards

Business and personal credit cards are alike in lending approved borrowers a revolving line of credit that’s paid back each month, often with interest. Each also offers perks like rewards and interest-free promos.

However, they’re different products with advantages that go beyond merely separating your business and personal finances.

Business credit cards

  • Typically offer higher credit limits with flexible repayment.
  • Programs reward your business spending.
  • Generally, interest on business expenses is tax-deductible.
  • Some cards integrate tools to organize expenses.
  • Helps you build business credit.
  • Can hurt your personal credit if used irresponsibly.
  • Offers few protections on your purchases.

Personal credit cards

  • Often a stronger option for balance transfers.
  • Covered by consumer protection laws.
  • Helps you build personal credit.
  • Can be difficult to categorize expenses.
  • Separating out taxes for business could be confusing.

How to apply for a business credit card in 4 steps

Applying for a business credit card is not much different than applying for a personal credit card. Any owner or sole proprietor of a business can submit an application for a business card using their Social Security number and other personal details.

While the process varies slightly among providers, you can set yourself up for successful approval with a few easy steps.

1. Know your credit score.

Most applications for credit depend on your credit score — even for businesses. The credit provider typically weighs both your personal and business credit scores, if available, to determine whether you’re a trustworthy borrower.

If you haven’t established a history of business credit, you still may be eligible. Carefully read the card’s eligibility requirements to be sure.

2. Select the best card for your small business.

Compare business credit cards that you’re eligible for against the financial needs of your day-to-day operations. Look for perks like flexible repayments, rewards on your spending and helpful business management tools.

3. Complete the credit card application.

When applying for a business credit card online, you’ll provide personal and business information that can include detailed business financials.

All that’s left is reviewing your card’s terms and conditions and signing the application.

4. Learn the provider’s decision.

If approved, you’ll receive your business credit card by mail in about 10 business days. Then it’s just a matter of activating your card online or by phone with the provider.

Review your monthly statements, and pay at least the minimum on time to keep your account in good standing with the credit card issuer. Keep tabs on your credit limit, especially if there’s a fee for exceeding the limit.

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