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Business Credit Cards

 

Business credit cards give your business the opportunity to earn perks for you and your employees. Charging expenses on a business credit card can return cash back on purchases and many cards have no cap on earnings rewards. Some cards let you earn reward points which can be redeemed for travel - helping bring down the cost of flying business class. Other benefits include 0% introductory APRs, expense management reporting and higher credit lines. Compare business credit cards from our partners.

 
     

     
 
Capital One® Spark® Cash Select for Business
Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

 

  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until February 2015N/AN/A12.9% - 20.9% (V)$0Excellent Credit

Capital One® Spark® Miles for Business
Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

 

  • Earn 2 miles per dollar on every purchase, every day
  • Get a one-time 25,000 bonus miles—just spend $5,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • Enjoy exclusive, award-winning customer service
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards, merchandise, and more
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.9% - 20.9% (V)$0 intro for first year; $59 after thatExcellent Credit

Capital One® Spark® Cash for Business
Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

 

  • Earn 2% cash back on every purchase, every day
  • Get a one-time $250 cash bonus—just spend $5,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • Enjoy award-winning small business customer service
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don't expire
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.9% - 20.9% (V)$0 intro for first year; $59 after thatExcellent Credit

Ink Cash® Business Card
Ink Cash® Business Card

Ink Cash® Business Card

 

  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • Earn $200 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 cellular phone, landline, internet and cable TV 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 and balance transfers.
  • No annual fee.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months13.24% (Variable)No Annual FeeExcellent Credit

Ink Plus® Business Card
Ink Plus® Business Card

Ink Plus® Business Card

 

  • Named "Best for Travel Rewards for Small Business" MONEY® Magazine, October 2013
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A15.24% (Variable)$0 Intro Annual Fee for the first year. After that, $95Excellent Credit

Capital One® SparkSM Classic for Business
Capital One® Spark<sup>SM</sup> Classic for Business

Capital One® Spark<sup>SM</sup> Classic for Business

 

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Separate business expenses from personal expenses
  • $0 Fraud Liability if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A22.9% (V)$0Fair Credit

Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

 

  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • Enjoy no annual fee
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until February 2015N/AN/A12.9% - 20.9% (V)$0Excellent Credit

U.S. Bank Business Edge™ Cash Rewards Card
U.S. Bank Business Edge™ Cash Rewards Card

U.S. Bank Business Edge™ Cash Rewards Card

 

  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
9 billing cycles on purchases*N/AN/A11.99% - 17.99%* (Variable)$0Excellent Credit

Ink Bold® Business Charge Card
Ink Bold® Business Charge Card

Ink Bold® Business Charge Card

 

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • No interest charges because you pay your balance in full each month.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No foreign transaction fees
  • Direct access to a live service advisor anytime.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$0 Intro Annual Fee for the first year, then $95Excellent Credit

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

 

  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55 per year thereafter (+$10 for employees)
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A11.99% - 17.99%* (Variable)$0 intro for the first year, then $55*Excellent Credit

 
     

     
 
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The Benefits of Small Business Credit Cards
 
 

Small business credit cards not only provide easy access to credit to help you manage your cash flow, they also come with numerous benefits that can be helpful in the day-to-day management of your business. They offer many great features and best of all, the cash-back or rewards programs, which most small business cards offer, can actually help you save money.

Many business credit cards have high initial credit lines, depending on the credit history of your business. Most small business credit cards also come with attractive introductory 0% APR deals. You may wish to consider 0% balance transfer cards if you need a temporary cash infusion for an existing business or start-up capital for a new venture. While most cards offer the 0% APR rate on either balance transfers or purchases only, a few offer 0% APR on both purchases and balance transfers, providing you with the greatest flexibility.

Interest rates can vary over time, so take time to compare credit cards before you decide which card might work best for your business, and read the terms and conditions of each card carefully.

Many business owners opt to carry several credit cards—one with a low interest rate or 0% APR offer for carrying balances, and one for charging expenses that they will pay off in full every month. This strategy lets you take full advantage of the cash back or rewards benefits of your small business credit card, letting you earn up to 1.5% cash back on business-related purchases, such as office supplies or gas. Or, you may opt for a card that lets you earn travel rewards, enabling you to leverage your spending towards free airline trips, seat upgrades, and last-minute ticket purchases.

To maximize rewards earnings, consider adding employees as additional cardholders, a service offered for free by most small business credit cards. To control expenses, simply set spending limits for each employee; many cards even let you set limits for how much an employee can spend in specific categories.

Adding employees as cardholders also enables you to consolidate your business expenses into one main account. This greatly facilitates book-keeping – simply download your card statement into your accounting software each month. Or, if you prefer, you can get expense reporting from your card broken down by employee, a service offered for free with most business credit cards.

In addition to business cards, credit cards for individuals also offer many benefits, and our site contains a wide selection. Benefits include introductory periods with 0 apr, rewards, cash back, low interest or frequent flyer miles. Each of the card categories on our site that are for individuals also includes the same business credit cards listed above.

 
     

 

 
 
 
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