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Business credit cards are useful tools for saving thousands every year. You can get more out of your business expenses by using a credit card with rewards like hotel stays, cash back, and valuable discounts. We analyzed 368 business credit cards to find you the best offers – here are the best business credit cards from our partners.
Business credit cards are useful tools for saving thousands every year. You can get more out of your business expenses by using a credit card with rewards like hotel stays, cash back, and valuable discounts. We analyzed 368 business credit cards to find you the best offers – here are the best business credit cards from our partners.
Back to topEditorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.
All information about Capital One® Spark® Classic for Business, Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, Capital One® Spark® Cash Select for Business, Ink Business UnlimitedSM Credit Card, Ink Business CashSM Credit Card, Ink Business Preferred® Credit Card, American Express Blue Business Cash™ Card, and The Blue Business Plus Credit Card from American Express have been collected independently by CreditCards.com and has not been reviewed by the issuer.
Updated: April 3, 2020
If you’re a small-business owner, you probably don’t feel you have time to sort through a laundry list of business cards and complicated rewards schemes. But if you’re looking for the right card for your business in 2020 and beyond, it pays to sweat the details.
A good business card can help you invest more in your company, smooth out fluctuations in your monthly cash flow and build a better credit score for your business. It can also help you organize your expenses and monitor your employees’ spending.
Even better, many of the best business credit cards nowadays come packed with generous rewards that help you trim expenses and enjoy exclusive benefits. Here, we look at:
It’s a great combination of value and simplicity: You’ll earn unlimited 2% back on all purchases without tracking spending, transferring rewards or juggling bonus categories.
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. This is accompanied by very strong rewards of 2% unlimited cash back on all your purchases, which could add up to huge savings for any business.
There is a $0 intro for first year; $95 after that. Also, the regular APR of 20.99% (Variable) is relatively high.
Not only will you earn unlimited 2X miles on all purchases, you can earn 5X miles on hotels and rental cars if you book through Capital One TravelSM, making this card a great choice for business people on the go.
Earn a one-time bonus of 50,000 miles, equal to $500 in travel, once you spend $4,500 on purchases within the first 3 months from account opening. There is no foreign transaction fee, which makes it a suitable card for international business trips. You’ll earn 2 miles per dollar on every purchase, up to an unlimited amount of miles.
The annual fee has an $0 intro for first year; $95 after that and the regular APR is a relatively high 20.99% (Variable), making it not a good choice if you plan to carry a balance.
Your rewards won’t expire for the life of the account, and you can set up automatic redemption and redeem cash back in any amount, anytime.
This card’s 1.5% cash back on all purchases rivals that of other flat-rate cash back business credit cards, and it has no annual fee. Also, the cash back is unlimited, unlike some cards which have maximum cash back limits.
The Capital One Spark Cash Select’s sign-up bonus is only $200 after a $3,000 spending within the first 3 months. Several other credit cards for businesses provide higher sign-up bonuses.
Not only will you earn unlimited 1.5% cash back on every purchase, but you can also transfer your rewards to a qualifying Chase Ultimate Rewards card and boost their value by 25% when you redeem for travel.
Even with no annual fee, the Ink Business Unlimited has a nice sign-up bonus of $500 after a $3,000 spend within the first 3 months of card membership. You can also get a 0% intro APR for 12 months on purchases – it’s 14.74% - 20.74% Variable after that.
At 1.5% back on all purchases, you can get better rewards on everyday business expenses with The Blue Business Plus. Also, there’s no 0% intro APR for balance transfers.
It’s one of the only cards that includes a bonus on office supply spending, offering 5% cash back on your first $25,000 in combined purchases at office supply stores, as well as internet, cable and phone services each anniversary year.
This card has a sign-up bonus of $500 after a $3,000 spend within the first 3 months of card membership. Also, the tiered categories offer excellent variety.
After your first $25,000 in combined bonus category purchases, you’ll only earn 1% cash back.
A hefty sign-up bonus of 100,000 points after a $15,000 spend within the first 3 months makes this a stellar business card. And those 100,000 points are worth $1,250 toward travel when you book through Chase Ultimate Rewards.
If your business spending lines up with this card’s bonus categories, you could really rack up rewards: You’ll earn 3X points on all travel, shipping, internet, cable, phone services and advertising purchases with social media and search engines on your first $150,000 in combined purchases each year.
It doesn’t offer a 0% introductory APR on balance transfers or new purchases, so it’s not the best choice if you’re hoping to do a balance transfer to your business card or finance large expenses over time. And unless you spend heavily in the Ink Business Preferred’s bonus categories, you’ll likely be better off with a card that offers a higher rewards rate on general purchases
Not many business cards let you earn cash back at such a high rate on all purchases without paying an annual fee.
This flat-rate cash back card offers some unique features, such as the possibility of spending beyond your credit limit and even earning cash back in those cases. Also, with enrollment, you can get your vendors paid upfront, then make payments for up to 90 days. The cash back on this product is also pretty good, although there’s a cap on the 2% cash back offer of $50,000 each calendar year.
While this card, basically a revamped Simply Cash Plus, offers 0% intro APR on balance transfers for 12 months, followed by a 13.24% - 19.24% Variable rate afterwards, you can do better with BT offers and purchase offers through many consumer cards. Also, there’s no welcome bonus with the Blue Business Cash.
The card offers a 0% introductory APR on both new purchases and balance transfers for 12 months (13.24% - 19.24% Variable thereafter), making it useful whether you need to pay down debt or finance a large purchase.
This card allows you to earn 2X points for up to $50,000 a year on business expenses like office supplies and client dinners, and 1 point per dollar thereafter. Also, the Blue Business Plus allows trusted partners or employees to manage your account and allows you to add receipts and notes to your transactions.
There’s a limit to how much you can earn with 2X points, up to $50,000. Also, there’s no introductory bonus.
| Business Credit Card | Best For: | Rewards Rate | Annual Fee | CreditCards.com Rating |
|---|---|---|---|---|
| Capital One® Spark® Cash for Business | Unlimited 2% cash back and free employee cards | 2% unlimited | $0 intro for first year; $95 after that intro for first year; $95 thereafter | 4.1 / 5 |
| Capital One® Spark® Miles for Business | Business travel | 2X on all purchases | $0 intro for first year; $95 after that | 4.3 / 5 |
| Capital One® Spark® Cash Select for Business | No expiration on rewards and small business perks | 1.5% unlimited | $0 | 3.5 / 5 |
| Ink Business UnlimitedSM Credit Card | Flat-rate cash back | 1.5% unlimited | $0 | 3.5 / 5 |
| Ink Business CashSM Credit Card | Cash back with high rewards rate on office supplies | 5% on office supplies, internet** | $0 | 3.3 / 5 |
| Ink Business Preferred® Credit Card | Sign-up bonus and high rewards on select business categories | 3X on travel, select business categories*** | $95 | 3.8 / 5 |
| American Express Blue Business Cash™ Card | No annual fee | 2% (up to $50k in annual spend, then 1%) | $0 | 3.9 / 5 |
| The Blue Business® Plus Credit Card from American Express | Long intro APR period | 2X (up to $50k in annual spend, then 1X) | $0 | 4.2 / 5 |
*6 possible choices include gas stations (default), office supply stores, travel, TV/telecom and wireless, computer services, business consulting services; cash back rate of 3% on this choice category and 2% on dining apply on the first $50,000 in combined purchases per calendar year, 1% thereafter
**Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
***Up to $150,000 annually, then 1 point per dollar
Business credit cards analyzed: 368
Criteria used: Rewards categories, rewards rates, redemption options and flexibility, sign-up bonus, customer service, small business perks, annual fee, other rates and fees, security, credit needed, ease of application
Of the 368 business credit cards we analyzed, we hand-picked 40 cards for in-depth individual reviews. Some 28 out of these 40 business cards in our reviews database include a points- or miles-based rewards program – 4 for airline miles, 3 for hotel points, and 21 are general rewards cards. Cash back cards constitute 12 out of the 40 business credit cards.
As far as bonus categories for spending go, “travel and transportation” is by far the most common bonus category among the cards in our review set, with 17 of 40. Flat-rate rewards cards are also very common, constituting 13 out of the 40 cards in our review set.
Business credit cards are simply credit cards designed for business use rather than personal use. While business credit cards function almost exactly like personal credit cards, they are unique in a few ways.
One major difference to keep in mind is that many small business credit card issuers report your business credit activity to both consumer and commercial credit bureaus. Additionally, unlike consumer cards, business credit cards aren’t protected under the Credit CARD Act of 2009. This means that consumer protections technically don’t apply to business cards, so your APR could change without notice or you could be charged high fees for minor infractions.
Business cards also tend to come with higher credit limits than personal cards and are more likely to offer rewards in business-related spending categories, like office supplies and phone and internet expenses.
Business credit cards are often used to build a company’s credit history, improve its cashflow and keep business expenses separate from personal charges. They can help you organize expenses, earn rewards and save on interest payments, so even if your business’s spending is modest, choosing the right business credit card can save you large sums of money each fiscal year.
Credit cards are among the most popular forms of credit for business owners – in fact, it is the most popular among those not applying for a line of credit. Some 47% say they regularly use cards (up from 44%), with the second most common being a loan or line of credit at 42%, according to the Federal Reserve’s 2019 Small Business Credit Survey.
There’s no one-size-fits-all business credit card. Businesses’ credit needs can vary greatly, and business credit cards vary along with those needs. “Choosing the right business credit card depends on what you’re looking for (cash back, free travel, low interest, etc.),” says Ted Rossman, our industry analyst. “There are lucrative sign-up bonuses to be had, and rewards on spending categories tailored for businesses (such as travel, technology, internet, phone, shipping and online advertising purchases).” Here’s what you need to consider in choosing the best card for your needs:
The next step is to figure out your preference for rewards. With fiscal year 2020 underway, you should think about what the year holds in terms of business spending. Will you be buying office furniture? What about jumping into online advertising?
Once you’ve settled on the type of rewards that you prefer, you should look at how your business allocates its spending, to decide which card will be most rewarding for you:
Here, we dive a little deeper, comparing the Capital One Spark Cash with the Chase Ink Business Cash. First, we look at rewards value, then at other features.
Your first step is to calculate the rewards value for the two cards. Basically, you need to estimate how much you’re likely to spend in each of the card’s bonus categories over the year, multiply that amount by the rewards value (don’t forget to figure in the value of points if it’s a points or miles card), add in the sign-up bonus and subtract the annual fee. You should use the following formula:
Rewards value = (Spend in category 1 x Rewards rate x Point value) + (Spend in category 2 x Rewards rate x Point value), etc. + Sign-up bonus – Annual fee
For example, in the following table, we calculate the rewards earnings for a cardholder who spends $48,000 on a card in a year with the Chase Ink Business Cash, with 6 percent of their spending allocated to office supplies, internet, cable and phone services ($2,880); 12 percent to dining out ($5,280); 11 percent to gas station purchases ($5,760); and 71 percent to other types of purchases ($34,080).
For this particular cardholder, the Capital One Spark Cash card – though it doesn’t offer any bonus categories — comes out ahead, thanks to its high rate of 2 percent cash back on every purchase:
Rewards value in the first year ($48,000 spend)
| Capital One Spark Cash | Chase Ink Business Cash |
|---|---|
| 2% x $48,000 + $500 sign-up bonus – $0 annual fee (waived first year) = $1,460 | (5% x $2,880) + (2% x $5,280) + (2% x $5,760) + (1% x $34,080) + $500 sign-up bonus – $0 annual fee = $1,205.60 |
Over the long term, the Capital One Spark Cash card proves to be the better value. Even when we add in the annual fee in the second year, our model cardholder still earns a larger amount of cash back with the Capital One Spark Cash card:
Rewards value in the second year ($48,000 spend)
| Capital One Spark Cash | Chase Ink Business Cash |
|---|---|
| 2% x $48,000 – $95 annual fee = $865 | (5% x $2,880) + (2% x $5,280) + (2% x $5,760) + (1% x $34,080) – $0 annual fee = $705.60 |
You should also take a look at the cards’ other features before you decide which one to go with. For instance, you need to consider how easy it is to earn and redeem rewards with the cards:
Comparing redemption flexibility
| Capital One Spark Cash | Chase Ink Business Cash |
|---|---|
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When you look at the cards’ features, you can see that the Chase Ink Business Cash card, while it does have similar account management features to the Capital One Spark Cash card, doesn’t have the same depth of travel and purchase protections. Of course, the Capital One Spark Cash card comes with a $95 annual fee. Basically, you’re paying a premium for all the extra features:
Comparing benefits
| Capital One Spark Cash | Chase Ink Business Cash |
|---|---|
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As you can see from our example, a card with an annual fee can often be a great value, depending on your spending habits and whether you’re likely to use all the features. But who says you have to choose just one business rewards card? Signing up for multiple rewards cards and juggling them to earn extra points in the cards’ bonus categories can be a great way to maximize your rewards.
You may assume that you have to be the owner of a business with multiple employees and an office or storefront to apply for a business credit card, but that simply isn’t true. Anyone who owns a side business – such as baby-sitting, yard maintenance, blogging or consulting – that makes money (or possibly doesn’t even have an income yet) can potentially qualify for a business card.
You’ll need to supply your EIN – the number issued by the IRS to people who have a business located in the United States or U.S. territories. If you’re an individual proprietor without an EIN, you can use your Social Security number instead to apply.
You’ll need to supply some basic information about your business: The name of your business (or your personal name, if you’re a freelancer), the type of business (partnership, corporation or sole proprietorship), your role in the business, your business address and phone number, how long you’ve been in business, your number of employees, your annual business revenue and your estimated monthly spend.
You’ll need to include your personal details on the application as well, including name, address, contact information, Social Security number, birthdate, mother’s maiden name and household income.
Unless you own a substantially sized business (and sometimes even when you do), you’ll probably be asked to make a personal guarantee on your business credit card application, stating that you are personally responsible for repaying your card debt. This means that, if you stop making payments on the card because the business fails, the bank can come after you personally to recover the debt.
Having a well-established business, of course, helps your odds, but you may be able to qualify by just supplying the above information. Here are a few other things you can do to boost your chances of qualifying:
Pay down your existing card debt about 30 days before applying for a new card.
When applying, be sure to list income before taxes, and include income such as pension, alimony and rental income.
Having a good personal credit history is the main factor for getting accepted for a business credit card. If your credit score isn’t good, you need to work on building your personal credit before you apply.
Don’t make up fake revenue for your business hoping to push your application through. If the bank double checks on your application and finds your application isn’t accurate, you could get rejected.
If you already have a relationship with the bank, you have a greater chance of getting accepted for one of their business cards. Start a checking account for your business with the bank and then try applying for one of their cards.
A business credit card can be a powerful tool for increasing your purchasing power and building your business credit history, but it can also come with serious liabilities. Here are some tips to help you avoid the pitfalls:
Since business cards aren’t regulated by the CARD Act, you should take a close look at your card’s terms and conditions and monitor any changes to terms and conditions that come in your email. Keep an eye out for changes in interest rates, due dates or fees.
Don’t put your personal spending on your business credit card, in part because card issuers discourage it. Also, mingling your expenses makes it harder to track your business spending. Plus, it can make you personally liable if someone sues your company. Finally, if you do happen to incur interest from carrying a balance on a business credit card, be sure to note it on your tax form – it counts as a business expense.
Make 2020 the year to get a handle on business expenses. Use your credit card’s expense reporting features to keep close tabs on your spending. Look for opportunities to cut expenses. Keep in mind that business cards come with high credit limits – usually of $50,000 or higher – which makes them ideal for making large purchases. Some cards, such as the American Express Blue Business Cash Card, even allow you to exceed your credit limit when you need to make a large purchase.
Figure out ahead of time what your cash flow is going to be through the month. See if you can negotiate your due date with your credit card issuer so that it falls on a date where you will have funds to pay off your balance. Make large purchases right after your statement closes so you have plenty of time to repay the balance.
Make sure you have a plan in place to repay the amount that you borrow against your credit line, so you can pay it off quickly and avoid high interest fees, penalties or possibly incurring a debt you can’t afford to repay. Avoid carrying a balance past the due date if you can, since the interest can be very costly.
Many business credit cards include programs such as VisaSavings Edge, Mastercard Easy Savings and American Express that give you a small discount with a select list of merchants. The number and variety of merchants vary greatly by program. You can get significant savings if you happen to shop frequently with a merchant.
Also, you can use online shopping portals such as Ebates and Swagbucks to earn extra cash back on top of your card rewards. You can also earn bonus rewards through an issuer’s shopping portal, such as the Chase Ultimate Rewards mall.
Business credit frequently allows you to issue cards from your account to your employees – usually for free, but sometimes for a fee – and to set up individual limits for each card along with account alerts to help you keep a close eye on your employees’ card use. If you or your employees do a lot of traveling for your business, you may be able to make good use of the travel protections that frequently come on business credit cards. Travel protections often include trip cancellation insurance, travel accident trip delay insurance, insurance for lost and delayed baggage and car rental insurance.
Take advantage of all the features your issuer offers to simplify your account management. Set up automatic alerts for your card and your employees’ cards, set up autopay to make sure you meet your payment due date and link your account to your accounting software so you can easily download all your expenses. Most business credit cards come with expense-tracking features, such as apps that allow you to snap photos of your receipts and file them on the go, spending reports, yearly summaries and the ability to designate an account manager to manage it all for you.
There are some differences between personal and business credit, which we go into on this page. Here are some tips on how to build business, understanding what is a good rating, and more.
To build a credit history for your business, you need to establish that your business is a separate entity from yourself and take steps to make sure that your business’ spending activity is being tracked by business credit bureaus. Here are some steps you can take to create a credit history for your business:
Credit scoring for businesses is a bit different (and more complicated) than scoring for consumers. Personal FICO scores range from 300 to 850 while business credit scores use different scales. There are three primary business credit score bureaus and they all structure their ratings differently.
You can find your business credit score by visiting the Dun & Bradstreet, Equifax and Experian websites. You can check your business credit history at no cost, but you will have to pay a fee to see your credit scores.
Though most business credit cards require good to excellent credit, there are a small number of business cards available for people with fair credit. These cards usually lack the hefty sign-up bonuses and travel perks of other business cards, but they can be useful as stepping stones to better credit and more lucrative business rewards cards down the line.
Currently, your best bet is the Capital One® Spark® Classic for Business, a flat-rate cash back card offering 1% cash back on every purchase. While the card has its shortcomings, including a variable APR of 24.49%, which is much higher than that of the average business card, it comes with a number of useful business perks.
You may also consider paying for business expenses with a consumer card designed for people with fair credit.
While business credit cards that don’t require a personal guarantee do exist, they often carry a number of other requirements and limitations. In place of a personal guarantee, you may have to put up business assets as collateral or prove that your company has millions of dollars in revenue or cash reserves.
If you’d rather avoid a personal guarantee, one option is the Brex Corporate Card for Startups. Not only is no personal guarantee required to be approved for the card, you don’t even need to go through a personal credit check. Instead, you supply your EIN and link your corporate bank account to the card as a security deposit (you’ll need at least $100,000 in your corporate account to qualify for the card). Brex then sets credit limits dynamically based on the amount of capital you’ve raised, equity in your company and your company’s spending patterns.
Business credit cards and business charge cards are very similar to one another – you can use either type of card to make purchases against a line of credit, which has to be paid either partially or in full by the end of the month, depending on the type of card. Here are the key differences between the two:
A charge card in some cases could be the better way to go for your business, since they offer more spending flexibility and they have less impact on your credit score, because there isn’t a debt-to-credit ratio. However, they can also be more difficult to qualify for. A business credit card may be the better option if you need a card with a lower barrier to entry and also if there’s a possibility you might carry a balance from month to month.
Whether you are on the watch for business loans or travel business cards, the major banks’ business programs are worth a look.
Chase features an array of among the most robust business products through its cards, loans, banking, and merchant services.
The 3 Chase Ink cards are the stars of the Chase business products, with bonus points or cash back and rich ongoing rewards. Rewards can be used toward cash back, travel, gift cards, and so on. There are also partner small-business cards with such airlines as Southwest and United, both with bonuses and ongoing points or miles. For example, Southwest Rapid Rewards Premier Business Credit Card offers 6,000 points every anniversary.
Also offered are checking, merchant services and business lending. Available products, depending on your area, include Chase Total, Chase Performance and Chase Platinum. You can earn $200 back with qualifying activities. Not only does Chase make sure you can accept payments online, through mobile and everything in between, but the bank also offers the latest in security. Business lending offerings include business lines of credit, business term loans, SBA financing, commercial real estate financing and equipment financing.
Small business and corporate cards abound with this brand, allowing you to earn rewards both from your own expenses and those of your employees. Manage expenses with the American Express® Business App and sync transactions with Connect to QuickBooks.
There are also funding opportunities for cardmembers and merchants that accept the cards. For example, get merchant financing with fixed-fee, no-interest loans with funding up to $2 million. You can also request funding to pay vendors through Working Capital Terms, and get approved for collateral-free funding within minutes at fixed rates for up to $50,000.
The small business options are endless with Capital One. There’s Business Unlimited or Basic Checking; Business Advantage Savings; commercial real estate loans and more. There’s also Escrow Express, 401(k) solutions for your business and, of course, cards.
The Spark cards offer a host of travel and purchase benefits, including purchase security; extended protection; travel and emergency assistance; and auto rental collision damage waiver. Also, get a quarterly and year-end summary; employee cards at no additional cost; downloadable purchase records; and no foreign transaction fees.
Business Advantage offers a plethora of business tools and options, including checking; credit cards; merchant services; and Merrill Edge for business and personal retirement planning.
There are 5 business credit cards with this bank, including 3 travel business cards and a cash rewards card. You can earn a statement credit, cash back, points, or get a rock bottom variable APR for your balance transfers. For example, the Business Advantage Travel Rewards Mastercard offers 30,000 bonus points (when you spend $3,000 in net purchases within 90 days of your account opening).
BofA offers merchant services by partnering with the Clover suite of point-of-sale devices. A wide variety of Clover point of sale products is available, such as Clover Go for food trucks, farmer’s markets and other businesses without a storefront, or Clover Station for merchants who need business management solutions in addition to payment processing such as restaurants and retail.
Small-business cardholders love using their business credit cards for rewards by far, with cash back rewards leading the pack, our February 2020 poll on business credit cards found.
Polling small-business owners and executives, we found that 46% turn to their small-business cards for rewards, with 28% favoring cash back rewards and 18% wanting the card for travel rewards.
We dug a little deeper, asking which categories are used most, and we came up with some card recommendations to boot.
Source: CreditCards.com Feb. 2020 Small-Business Credit Card Poll
“The best way to maximize rewards is to sign up for credit cards that emphasize the areas where your business spends the most money. Also consider what you want to get out of the card – for instance, travel is usually the most lucrative reward, but cash back is more straightforward and universal,” says CreditCards.com Industry Analyst Ted Rossman.
So, how can you take full advantage of those well-earned rewards? Here, we look at 4 business cards and the categories they offer:
Small businesses that want to keep it simple could also go with a flat 2% cash back card such as Capital One Spark Cash for Business.
You’ll also want to consider the welcome bonus when looking at business cards, which can be more generous than those of consumer cards. The Ink Business Preferred®, for example, has an 100,000-point bonus (after spending $15,000 in the first 3 months) worth at least $1,250 when booking travel through Chase Ultimate Rewards. And if you are looking for a business card with no annual fee, the Ink Business Cash offers a $500 cash bonus after you spend $3,000 within the first 3 months.
Perhaps most telling were the small-business influencers who opted out of holding a business credit card: Of small-business influencers with no business credit card, 34% said that their businesses were too small to qualify for a business card, while another 11% said they didn’t think they would qualify.
“There’s no such thing as too small,” says Rossman. “You can even qualify as a sole proprietor, freelancer or side hustler using your Social Security number. The sign-up bonus and rewards are well worth it, and it’s a convenient way to separate work and personal expenses.”
But the fact remains that a full 70% of small-business influencers have at least one business credit card.
And why do small-business owners and executives like their cards? In addition to cash back and travel rewards, other reasons given included convenience (20%); low interest rate (7%); and ability to finance purchases over time (5%).
“It’s smart that so many small businesses are using credit cards to earn rewards and not carrying debt,” says Rossman. “We interviewed one small-business owner who earned so much cash back that he was able to provide free health insurance to his employees.”
When we polled our small-business influencers, we found that more than 20% were either in construction (52) or they were in wholesale/retail trade (51).
Source: CreditCards.com Feb. 2020 Small-Business Poll
While the polling samples for these industries were quite small for analysis, we did find that more small businesses in research/engineering/IT related had business credit cards (85%) than the average of 70%. Also higher were wholesale/retail trade (82%) and real estate/maintenance/repair (80%). At the bottom were transportation/warehousing at 50% and media/arts/entertainment/recreation at 51%.
Methodology: CreditCards.com commissioned YouGov Plc to conduct the survey. All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 500 U.S. adults who are senior decision makers at companies with 1-100 employees. Fieldwork was undertaken between February 11-18, 2020. The survey was carried out online and meets rigorous quality standards. It employed a non-probability-based sample using both quotas upfront during collection and then a weighting scheme on the back end designed and proven to provide representative results.
Our business credit card reviews can help you compare offers to find the one that best suits your needs.
Laura Mohammad is an editor and writer at CreditCards.com. She regularly covers the best credit cards and works to bring you the most up-to-date analysis and advice. You can reach Laura at laura.mohammad@creditcards.com.
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