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Business credit cards

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

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
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
2x miles on American Airlines, gas stations and select business categories and 1x miles on all other purchases
15.99% to 24.99% variable
$0 intro annual fee for the first year ($99 thereafter)
65,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening.
Premium Capital on Tap Business Credit Card
2% cashback on all purchases
9.99% to 34.99% variable
$0
Earn 2% cashback on all purchases. One of the highest unlimited cashback rates you'll find on a business card.
Ramp Visa® Commercial Card
1.5% cashback on all purchases
N/A
$0
Replace expense reports with unlimited virtual and physical cards. Automate your accounting, lower your bills, and earn 1.5% cash back on everything.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
N/A
$0
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Divvy Business Credit Card
Monthly: 2x on restaurants, 2x on hotels, 1.5x on recurring software subscriptions, 1x on everything else
Semi-monthly: 4x on restaurants, 3x on hotels, 1.75x on recurring software subscriptions, 1x on everything else
Weekly: 7x on restaurants, 5x on hotels, 2x on recurring software subscriptions, 1.5x on everything else
Pay balance in full according to your payment schedule
$0
Earns more points per eligible category based on how often you pay your credit card balance.
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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 2021

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 & 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

Pros

  • 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 to 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.

Cons

  • 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.

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