Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Business credit cards

Compare over 100 business credit cards to find the right one for your company.

Our pick for businesses: Revenued Business Card Visa®

Revenued Business Card Visa® logo
  • 3% cash back on all purchases
  • No hard credit check
  • Apply with 6+ months in business, an existing business bank account with $10,000 average monthly deposits, more than one employee
Apply now

Compare business credit cards

Use our table to compare business credit cards and find the most useful option for your company's needs. To start, select your credit score, select the features you want and the rewards type. Finally, select a specific card issuer if you have one in mind and browse through the selection of cards.

Name Product Rewards Purchase APR Annual fee
Revenued Business Card Visa®
3% cash back on all purchases
A flexible spending line and prepaid business card that earns 3% cash back on all purchases. Apply with no hard credit check. Requirements: 6+ months in business, an existing business bank account with $10,000 average monthly deposits, more than one employee.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
1.5% cash back on all purchases
14.49% to 24.49% variable
$300 statement credit online bonus after making at least $3,000 in net purchases in the first 90 days of account opening.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
3 points per $1 on travel booked through Bank of America Travel Center and 1.5 points per $1 spent on all other purchases
14.49% to 24.49% variable
30,000 online bonus points after making at least $3,000 in net purchases in the first 90 days of account opening.
GM Business Card™
GM Business Card™
Get 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases.*
0% intro for the first 12 months (then 16.24% to 26.24% variable)
Get $750 in Bonus Earnings to redeem with GM towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 in your first 5 months.*
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
3% and 2% cash back on the first $50,000 in combined choice category / dining purchases each calendar year, 1% thereafter
14.49% to 24.49% variable
$300 statement credit online bonus after making at least $3,000 in net purchases in the first 90 days of account opening.

Compare up to 4 providers

This article was reviewed by Brad Stevens, a member of the Finder Editorial Review Board and 30-year veteran of the credit industry who specializes in rehabilitating struggling banks.

The best business credit cards of 2022

If you’re still not sure which business credit card is right for you, take a look at our curated list of top picks to narrow your search. Finder’s credit card experts spent hundreds of hours to bring you the best business credit cards.

7 factors to consider when comparing credit cards for businesses

Think about your business spending and cash flow when weighing business card factors that include:

  • Annual fee. Consider how much you’re willing to pay to use a business credit card each year, and determine if any perks are worth the price.
  • Personal guarantee requirement. Most business credit cards require a personal guarantee. This means you are personally liable if you fail to pay your credit card balance. Some credit cards, though, let you get the card without a personal guarantee.
  • Promotional interest rate. An intro purchase APR can help you avoid paying high-interest rates on big items or balances you transfer from other cards.
  • Cash back and rewards. Choose a business credit card that can earn rewards on what you buy most. Look for cash back, miles or points in categories that fit your needs.
  • Foreign transaction fees. A card that waives foreign transaction fees can be a great travel card option for businesses that require international trips. Many providers charge up to 3% for each purchase made outside the States or online at foreign merchants.
  • Signup bonus. The business card market is fierce, with many providers offering generous bonuses to entice you to choose theirs over competitors. Most come with spending requirements that are easy to meet with regular use.
  • Premium benefits. Rewards aren’t the only perks. You could get access to priority airline boarding, waived bag fees and other luxury travel extras. Just make sure your business can take advantage of what your card offers.

How a business credit card works

A business credit card is just like a regular credit card but with tools specifically designed to help you streamline and manage your business spending. These tools can range from rewards or cash back for business expenses like office supplies or travel perks for employees on the move.

In addition, you can set spending controls for each employee and you can monitor their card activity. This can help you streamline your finances and avoid card misuse.

Here’s how to get started with a business card:

  1. Compare and apply for a card. Look for a card that fits your needs, whether that’s a high rewards rate, an intro APR or a balance transfer offer. You can compare your options on this page.
  2. Start earning rewards. If you opened a business card with rewards, use it on business expenses to start earning rewards.
  3. Build business credit. As you pay your card off in full and on time, you’re starting to build business credit for your business.

Pros and cons of using a business credit card


  • Rewards. Consider where your business spends most money and look for a card that highly rewards those categories. You can always get more than one card to cover multiple categories if you think one card doesn’t cut it. You can combine cards that reward office supplies, gas purchases or travel.
  • Intro APR period. Some cards offer a 0% intro APR period on purchases, balance transfers or both. Consider whether this is a perk you’ll use. Balance transfers are typically a great choice for paying off older debt, while 0% APR on purchases is basically an interest-free loan, which can help you stack up inventories and pay them off for a year or more without interest.
  • Separate business from personal spending. Business expenses are often tax-deductible. But if you’re mixing office supplies purchases with groceries on one card, it may be hard to separate your expenses. A business card can be used exclusively for your business-related purchases.
  • Simplified bookkeeping. If your business is growing and you’re providing credit cards to your employees, getting a business credit card will help streamline your finances, add purchasing limits to employee cards and simplify expense monitoring. All these tools are often a complimentary feature of most business credit cards.
  • Establish business credit.
    Looking long term, establishing business credit could be an important step for your future business endeavors. With solid business credit, you can get better loan terms should you need money. But to build business credit, you need a business credit card.


  • Annual fee. Most business cards don’t charge an annual fee, but some do. If you’re looking to get a card with the most perks and highest rewards, you’ll have to pay an annual fee.
  • Personal guarantee. To get a business credit card, typically you need a personal guarantee. This means your personal assets are at risk in case your business fails. Luckily, some business credit cards let you get the card without a personal guarantee. But you can’t carry your balance with these cards.
  • High interest rates. Carrying your credit card balance without a 0% intro APR period comes with high-interest rates. This can be more expensive than getting a business loan. However, you can avoid paying interest if you always pay your balance before its due.
  • Foreign transaction fees. Some business credit cards come with a 3% fee for every transaction made abroad or online with foreign retailers. This may not seem like a lot, but it can quickly add up. For example, if you buy inventories for $10,000 from a foreign country using your credit card, you would pay a $300 fee.

Compare business cards by card type

Ask the experts

Seung Hee Choi
Edward Lisi profile picture
Rosario Drago
Andy Shuman
Amy and Tim profile picture
Eric Rosenberg
M. Nesij Huvaj
Mohammad G. Nejad
Nora Ganim Barnes
Geo Kelly
Dave Youland

Back to top

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site