Business Credit Cards

A small business credit card or corporate credit card can help you keep your company's expenses on track and obtain the buying power you need to operate your business. Some business credit cards also reward you for all your business purchases in the form of cash back or airline miles. Learn more in these articles and tips on credit cards for small business.

Compare the business credit card offers from our partners below and apply for the card that's right for you.

See offers from our partners below.

 APPLY ONLINE

Credit Needed
Excellent/Good
  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $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
  • See complete Capital One® Spark® Cash for Business details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    13.9% - 20.9% (Variable)
    Annual
    Fee
    $0 intro for first year; $59 after that
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until November 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
  • See complete Capital One® Spark® Cash Select for Business details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 11/2015
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    12.9% - 20.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent Credit
  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • New: Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See complete The Enhanced Business Gold Rewards Card from American Express OPEN details
 APPLY NOW

at American Express's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    N/A
    Annual
    Fee
    $0 introductory annual fee for the first year, then $175
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Fair Credit
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
  • See complete Capital One® Spark® Classic for Business details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    22.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Fair Credit
 APPLY ONLINE

Credit Needed
Excellent Credit
  • 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
  • See complete SimplyCash® Business Card from American Express details
 APPLY NOW

at American Express's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    9 months
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    12.24% - 19.24% Variable
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $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
  • See complete Capital One® Spark® Miles for Business details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    13.9% - 20.9% (Variable)
    Annual
    Fee
    $0 intro for first year; $59 after that
    Credit Needed
    Excellent/Good
 APPLY ONLINE

Credit Needed
Excellent/Good
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 20,000 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 on interest with 0% intro APR on purchases until November 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
  • See complete Capital One® Spark® Miles Select for Business details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent/Good
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 11/2015
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    12.9% - 20.9% (Variable)
    Annual
    Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases
  • No Annual Fee and no limit to the cash back you can earn — reinvest in your business, reward your employees, and reward yourself
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-470-7761


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    9 billing cycles
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    As low as 11.24% variable APR
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Excellent Credit
  • Earn 1.5 WorldPoints rewards points for every $1 on all purchases and 5,000 bonus points after the first purchase on your account
  • No international transaction fee and no annual fee, and no limit to the points you can earn
  • Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center
  • Redeem points for gift cards, cash, and travel with no blackout dates
  • 0% introductory APR on purchases for your first 9 billing cycles
  • Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage.
  • See complete Bank of America® WorldPoints® Travel Rewards for Business Visa® Card details
 APPLY NOW

at Bank of America's
secure site

--OR--

Call Bank of America at
877-545-4888


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    9 billing cycles
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    As low as 11.24% variable APR
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

Credit Needed
Excellent Credit
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • 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
  • See complete Ink Cash® Business Credit Card details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    12 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    12 months
    Regular
    APR
    13.24% Variable
    Annual
    Fee
    No Annual Fee
    Credit Needed
    Excellent Credit
Show More Results


Tips for choosing a business card

One of the primary benefits of a business card is to separate your personal finances from your business account. This helps limit your personal risk in case things go badly for the company.

Managed properly, a business card can build a company credit history to secure short-term loans and help capitalize on everyday spending with vendor discounts and rewards. It also has unique benefits, like being a one-stop resource for expense tracking that can improve record-keeping.

You can also find sign-up bonuses, such as cards with a 0 percent introductory APR that can be useful for pricey one-time purchases to support a new business. Just be sure to read the fine print, so you understand the risk of deferred interest.

In choosing a business card, find a lender that can supply financial reporting that fits nicely into IRS categories and provides a credit line ample enough to easily absorb your periods of heaviest use.

You'll also want to find card rewards that cater to your business habits. Do you travel a lot? Look for rewards on airline tickets, hotel stays and rental cars. Are you always driving? Other cards will offer cash-back rewards on gasoline purchases and wireless telephone services. If you're a neighborhood business, look for cards that offer discounts at retailers where you get your supplies.

As with a personal card, a business owner will be subject to a credit check during the application process. If approved, you'll have a credit limit, minimum monthly payments and an interest rate based on creditworthiness.

Also, be sure to have paperwork that supports your application, such as your business tax identification number and financial documentation.

Financial institutions may ask for a personal guarantee before extending a line of credit to a new company. Avoid this step if possible. Offering that guarantee can make you personally liable for any of your company's unpaid debt. Remember, you want to separate your personal finances from the fate of the company as much as possible.

After you secure the credit card, be sure to lay down the ground rules with employees. Make sure they know exactly when and when not to charge the credit card. If necessary, you can often adjust the credit limit on a particular employee card as well as limit the credit on certain purchases.

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