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Business Credit Card Finder

Jeremy Cabral
Last updated:

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Apply for a card that rewards your business spending and keeps purchases in one place.

Running a small business efficiently means overseeing every aspect involved in keeping it afloat, especially the cash that flows in and out.

If you’re currently using your personal cards to fund your business — or are interested in finding a card that rewards you for your business spending — consider upgrading to a strong business credit card that helps you focus on taking your success to the next level.

Compare two business credit cards

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • 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 14.49% - 21.49%
  • 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
  • Read Rates & Fees
Read less
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Apply now
More info

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

  • Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening. 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
  • 1% cash back on other eligible net purchases
  • No limit on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
  • Net purchases are purchases minus credits and returns
  • Read Rates & Fees
Read less
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Apply now
More info
Promoted

Compare business credit cards

Updated July 15th, 2019
Name Product Rewards Purchase APR Annual fee
SimplyCash® Plus Business Credit Card from American Express
SimplyCash® Plus Business Credit Card from American Express
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
0% intro for the first 15 months (then 14.49% to 21.49% variable)
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be variable. Rates & fees
Apply now
View details
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases
0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
$0
Earn $500 cash back after you spend $4,500 on purchases in the first 150 days from account opening.
Apply now
View details
The Blue Business‎℠ Plus Credit Card from American Express
The Blue Business‎℠ Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.49% to 21.49% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
Apply now
View details
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
12x points at Hilton, 6x points on select business and travel 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 on the card within the first 3 months of card membership. Rates & fees
Apply now
View details
Gold Delta SkyMiles® Business Credit Card from American Express
Gold Delta SkyMiles® Business Credit Card from American Express
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 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
Apply now
View details

Compare up to 4 providers

Best business cards for…

When choosing our picks for best business cards, we looked at several features across relevant cards, including available reward earning categories, points or cashback earned per dollar spent, annual fees, introductory APRs, travel perks, additional cards for employees and other benefits a business owner might desire when looking for a business card. The cards below stood out compared to the competition in one or several of these categories, earning a spot on our top picks.

Cash back

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

  • $500 cash back after spending $3,000 in the first 3 months

Travel

The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

  • Spend $10,000 in the first three months and earn 50,000 bonus points.
Apply now

Intro APR

Ink Business Unlimited℠ Credit Card

Ink Business Unlimited℠ Credit Card

  • 0% intro APR on purchases for the first 12 months, then 15.49% to 21.49% variable.

Low interest

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • Intro APR on purchases and a revert APR as low as 14.49% variable (see rates & fees).
Apply now

Gas

Costco Anywhere Visa® Business Card

Costco Anywhere Visa® Business Card

  • Earn up to 4% cash back at the pump.

Rewards

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 3x points for every $1 on first $150,000 spent.

Best small business credit cards of July 2019

How we selected our top cards

We compared all business credit cards by looking at the annual fee, signup bonus, rewards rate, intro APR period and any additional perks. We chose cards that were superior in one category or more.

What’s changed in 2019

We had strong competition this year. However, the same cards that stood out last year are still the best in their respective categories today.

What do you want to know?

What is a business credit card?

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.

The flexibility of a revolving line of credit — and the option for a cash advance — make credit cards useful tools for small businesses, helping to support your livelihood in a short-term cash crunch.

What to look for in a small business credit card

Look for a credit card that can earn you reward points or cash back on your largest small business expenses — like travel, gas or office supplies. You’ll even find cards that allow you to earn point or dollar multiples on categories that rotating quarterly or annually.

If you’re already in the market for a card, you might as well look for the strongest intro incentive you qualify for. Signup offers are plentiful and often easy to meet, helping you jump-start your rewards with bonus rewards or cash back. Whereas a low or 0% intro APR can soften the blow of large investments in your business, such as laptops or furniture for your office.

To establish or build your business’s credit score, focusing on cards that report your responsible spending to all three credit reporting bureaus can set you up for long-term success.

Find the right business card

Just two clicks to see our recommendation.

Why choose a business credit card?

A small business credit card can help finance your business and increase your working capital. But a good one can do much more for your business.

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 offers 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.

A key difference is that the Credit Card Act and other consumer protections do not apply to business credit cards. It doesn’t mean you’re out of luck: Most providers extend these protections to business customers as a courtesy.

But you’ll want to understand your business card contract, especially terms related to interest rate increases and late fees. Business providers are not required to notify you in advance of increases or cap late fees at a reasonable amount.

Can I use my business credit card for personal expenses?

Yes, but we don’t advise it. For starters, a top benefit of a business credit card is organizing your business spending. When it comes time to work out accounting and taxes, you’re a step ahead with business spending on designated card. You also decrease the risk of your business spending affecting your personal credit score.

On top of that, if potential lenders or credit bureaus find out that you’re using a business credit card for personal purchases, it could potentially signal to them that you’re not able to successfully manage your expenses.

How to compare the best credit cards for small business

Are you planning to invest in your business? Do you need to pay off debt? Would you like a stronger cash flow?

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. A high annual fee doesn’t mean a card isn’t a contender for your business — it could potentially provide you with invaluable rewards, tools and more.
  • APR. A high APR means you’ll pay more interest on any balances you carry over each month. A low interest rate can minimize the cost of borrowing money with your credit card.
  • 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. But pay close attention to the length of your intro period to avoid getting hit with a heap of interest when the rate reverts to your everyday APR.
  • 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. If you travel internationally on business, a card that waives foreign transaction fees can save you big. Many providers charge 2% or more for each purchase made outside the States.
  • 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 travel extras. Just make sure your business can take advantage of what your card offers.
  • Read the fine print. By taking on a business credit card, you’re agreeing to specific terms and conditions. Read and understand your card’s contract as you would any others for your business. If you don’t fully agree with what the provider requires, consider a different business card.

Kait signs up for a bonus — and covers her business in Cali

Kait recently started a luxury travel company on the East Coast that books vacations for clients all over the world. Tired of using her personal credit card, she applied for the Chase Ink Business Preferred℠ Credit Card. She liked the 80,000-points bonus, which she easily qualified for after spending $5,000 in the first three months of using her card.

She redeemed those 80,000 points — about $1,000 when used toward travel — to pay for a business trip to California, reinvesting the money she saved into her business’s success.

What credit score do I need to get a business credit card?

Applicants with a good or excellent credit score of 670 or higher will find several business card they can find approval for. Among the business credit cards out there, you’ll find those with less strong credit histories too.

When weighing your options, first read the provider’s requirements to make sure you’re eligible. That way, you avoid unnecessary hard pulls on your credit history, which can temporarily lower your overall score.

Lenders typically beyond your personal credit score to focus on your business’s annual revenue, among other factors. After you’ve built up your business’s credit score, you’ll be in a stronger position for approval on business loans with low rates and long repayment terms.

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.

While the process can vary slightly, 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 score, if you have one, to determine whether you’re a trustworthy borrower.

If you haven’t established a history of business credit, you may still be eligible. Just 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 business operations. Look for perks like flexible repayments, rewards on your spending and business management tools.

3. Complete the credit card application.

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

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

Do I need a personal guarantee for a business credit card?

It’s likely. Most business card providers require a signed personal guarantee for approval. This guarantee is a promise between you and the creditor that you’re personally liable for your business debts.

This agreement protects the creditor from any unpaid debts on the card but exposes you to seizure of your personal finances or assets if you find yourself unable to pay back what you borrow.

4. Learn the provider’s decision.

If approved, you’ll receive your business credit card by mail in about 10 business days. After, 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. Always keep tabs on your credit limit, especially if there’s a fee for exceeding the limit.
What’s your credit score?
Compare cards now

Am I eligible for a business credit card?

Generally, if you do business or receive payment for your services, you’re eligible to apply for a business card.

  • Freelancers
  • Sole proprietorships
  • Hobbyists
  • Partnerships
  • Side hustles
  • C-corps
  • S-corps

You don’t necessary need to turn a profit to be eligible. But if you can provide projected revenue numbers in your application, it could help your chance of approval.

Compare the best Mastercard business credit cards

How to make the most out of your business credit card

You’ve got your card in hand, and you’re ready to start making it work for your business. Take advantage of all that a business card offers by keeping in mind a few key elements.

Look for a credit card that can earn you reward points or cash back on your largest small business expenses — like travel, gas or office supplies. You’ll even find cards that allow you to earn point or dollar multiples on categories that rotating quarterly or annually.

If you’re already in the market for a card, you might as well look for the strongest intro incentive you qualify for. Signup offers are plentiful and often easy to meet, helping you jump-start your rewards with bonus rewards or cash back. Whereas a low or 0% intro APR can soften the blow of large investments in your business, such as laptops or furniture for your office.

To establish or build your business’s credit score, focusing on cards that report your responsible spending to all three credit reporting bureaus can set you up for long-term success.

  • Keep to a budget. Align your spending with your cash flow to avoid expensive interest. Calculate how much you can afford to comfortably repay each month so that you don’t bump into your credit limit.
  • Adjust your credit limit. The credit limit on your card should be enough to cover your daily expenses throughout the month, with a little extra for emergencies. If you’re exhausting your credit limit often, see if your issuer is willing to increase your limit.
  • Maximize rewards. Look for a card that can earn your points or cash back on your top business expenses. Many include airline, hotel and other partners that offer double — sometimes triple — rewards in specific categories.
  • Travel affordably. If you’re always on the road, look for a card offering elite status on airlines, airport lounge access, complimentary rental car insurance, waived foreign transaction fees, loyalty programs and multiple ways to redeem points.
  • Automate your accounts. Technology makes it easy to keep tabs on our cards. Set up autopay, sign up for text or email alerts, go paperless for your statements or use a mobile app to monitor your business accounts at all times.
  • Monitor your credit score. Your business credit score is an important one if you’re planning on sticking around for the long haul. Pull both your personal and business credit reports to make sure everything is accurate and current.
  • Don’t be afraid to switch. As your business grows, the credit card you have today may not meet your needs. Maybe you need a higher credit limit or your spending trends are newly suited for stronger rewards. Don’t let brand loyalty hold you back from getting the best business card you’re eligible for.


Ask the experts






Eric Rosenberg




Eric Rosenberg


personalprofitability.com


Personal Finance Expert






Why do I need a business credit score, and how is it different from a personal score?

  
  

        
    
  

  







Amy and Tim profile picture



Tim and Amy Rutherfordgowithless.comAward Travel Professionals





Why would someone choose a business credit card over a personal credit card?

  
  

        
    
  

  







Andy Shuman




Andy Shuman


lazytravelers.net


Travel and Personal Finance Expert






How do you determine if an annual fee is worth paying?

  
  

        
    
  

  









Compare the best business credit cards for travel


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