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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 purchases until September 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 September 2015N/AN/A12.9% - 20.9% (Variable)$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
  • Plus, a one-time bonus of 25,000 miles once you spend $5,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • $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, and more
  • No foreign transaction fees and 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% (Variable)$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 once you spend $5,000 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • 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% (Variable)$0 intro for first year; $59 after thatExcellent Credit

Ink Cash® Business Credit Card
Ink Cash® Business Credit Card

Ink Cash® Business Credit Card

 

  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • 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
  • Free employee cards
  • No Annual Fee
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months13.24% VariableNo Annual FeeExcellent 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*N/AN/A11.99% - 17.99%* (Variable)$0*Excellent Credit

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

Capital One® Spark® Select for Business

 

  • Save with our lowest intro APR on all purchases until December 2015; 10.9%-18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
  • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
  • Fraud coverage 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
0%
until December 2015N/AN/A10.9% - 18.9% (Variable)$0Excellent 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
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save with 0% intro APR on purchases until September 2015; 12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 September 2015N/AN/A12.9% - 20.9% (Variable)$0Excellent Credit

SimplyCash® Business Card from American Express
SimplyCash® Business Card from American Express

SimplyCash® Business Card from American Express

 

  • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by June 23, 2015
  • With no annual membership fee, it's a smart choice for your business
  • Reinvest in your business with automatic cash back
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
  • 3% on the category of your choice and 1% on other purchases
  • On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
  • Terms and limitations apply
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
9 monthsN/AN/A12.24% - 19.24% Variable$0Excellent Credit

U.S. Bank Business Edge™ Select Rewards
U.S. Bank Business Edge™ Select Rewards

U.S. Bank Business Edge™ Select Rewards

 

  • Get 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • Unlimited points with no caps
  • 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

D&B Credibility Corp. Business Credit File
D&B Credibility Corp. Business Credit File

D&B Credibility Corp. Business Credit File

 

  • Demonstrate your company's financial stability to creditors and suppliers
  • Gain access to all of your D&B® scores and ratings to ensure there are no surprises
  • Fix inaccuracies in your D&B report before they negatively impact your relationships
  • Document your company's payment history in your D&B® credit file.
  • This is not a credit card, nor a line of credit. CreditBuilder™ is a product that can help you manage your business credit file.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/AN/A$99 Monthly or $1099 AnnuallyN/A

 
     

     
 
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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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