Business Credit Cards

Businesses large and small have a lot of expenses. Why not get rewarded for that spending? From hotels to highlighters, business credit cards reward you on the things you're already buying for your enterprise. This is a great way to save money on a variety of business expenses.

See offers from our partners below.

Apply Now Credit Needed
Excellent, Good
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

1,286 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn $300 bonus cash back when 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
  • Employee cards at no additional cost
  • No Annual Fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 12 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 12 months
Regular APR
14.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent Credit

The Blue Business℠ Plus Credit Card from American Express

Apply Now APPLY BY PHONE Credit Needed
Excellent, Good
  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Apply Now at American Express's
secure site

or call American Express at

866-280-1249
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
12.49% - 20.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

Capital One® Spark® Cash Select for Business

Apply Now Credit Needed
Excellent, Good
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.24%-22.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Apply Now at Capital One's
secure site
Purchases Intro APR
0% on purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
14.24% - 22.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

The Business Gold Rewards Card from American Express OPEN

Apply Now APPLY BY PHONE Credit Needed
Excellent Credit
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
Apply Now at American Express's
secure site

or call American Express at

866-457-1121
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $175
Credit Needed
Excellent Credit
See Rates & Fees

Capital One® Spark® Miles for Business

Apply Now Credit Needed
Excellent, Good
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • 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
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.24% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

The Business Platinum® Card from American Express OPEN

Apply Now APPLY BY PHONE Credit Needed
Excellent Credit
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
Apply Now at American Express's
secure site

or call American Express at

866-482-2805
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$450
Credit Needed
Excellent Credit
See Rates & Fees

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

51 customer reviews

Apply Now Credit Needed
Excellent Credit
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Apply Now at Chase's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 22.24% Variable
Annual Fee
$95
Credit Needed
Excellent Credit

Capital One® Spark® Miles Select for Business

Apply Now Credit Needed
Excellent, Good
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.24%-22.24% 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
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Apply Now at Capital One's
secure site
Purchases Intro APR
0% on purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
14.24% - 22.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Apply Now Credit Needed
Excellent Credit
  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Apply Now at Bank of America's
secure site
Purchases Intro APR
0% for 9 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
12.49% - 22.49% Variable APR on purchases and balance transfers
Annual Fee
$0
Credit Needed
Excellent Credit

Comparing Business Credit Card Offers

Updated: January 1, 2018

CreditCards.com's Top Business Credit Cards of 2018

Business credit cards have different rewards and rates than personal cards. If your business – large or small – makes significant purchases, then a business card could be advantageous. Deciding on the best credit card for your business will help you save money and earn rewards on business expenses. Here are the top business credit cards compiled by CreditCards.com’s experts.

Business credit cards are not just for business owners of large companies – as a sole proprietor, you can qualify as well. Whether you sell items on Amazon.com or operate as a contractor, you can apply. It's actually to your advantage to have a separate card for your business operations so that you can stay organized and keep your personal spending separate from your business spending. It is also necessary to separate the two if you want your business to grow – eventually, your personal credit may not be able to sustain your business’ financing needs.

Here’s what we look at below:

  • How do you build business credit?
  • Business vs. consumer credit cards
  • Who monitors business credit?
  • How do you build business credit?
  • How to apply for a business credit card
  • Do business credit cards build credit?
  • How to choose the best credit card for your business

What is a business credit card?

A business credit card is intended for business-related expenses, but the line is often blurry. Some card issuers are stricter than others about who qualifies, but even if you freelance or sell items on eBay on the side, you may qualify. You typically don't have to have an EIN or a registered business name, for example.

In addition to business credit cards, there are business charge cards. While these products don't give you unlimited available credit, they allow you to apply quickly for large charges, in exchange for paying in full each month.

Your eligibility for both types of cards is based on both your personal and business credit, but you may not be personally liable, based on the agreement. Liability differs depending on if the card offers "commercial liability" or "joint and several" liability. The former means your business is liable for all debts, whereas the latter means both the individual and the business are responsible, according to American Express OPEN.

A business card often has more lucrative offers and categories, and it allows you to separate your personal from business expenses, something that most experts recommend. You can even hold a card's personal and business versions simultaneously, such as the Starwood Preferred Guest Credit Card from American Express and the Starwood Preferred Guest Business Credit Card from American Express.

How is a business credit card different from a consumer credit card?

There are a number of ways business credit cards are different from consumer credit cards, particularly regarding consumer rights. Under the CARD Act of 2009, a host of protections were put in place for consumer cards in an effort to make the process more transparent. Protections include limited credit to younger adults and limited interest rate hikes. Business and corporate cards are not covered by the protections under the CARD Act.

However, business cards can command higher credit limits and can offer more rewarding signup bonuses and category rewards benefits. They can be issued to employees and you can easily track and categorize spending.

Who monitors my business credit?

There are three major credit bureaus that collect your business' credit data: Dun & Bradstreet, Experian and Equifax. D&B is the dominant, in part because of its Paydex scoring system.

It can't be emphasized enough that it's imperative you make sure the D&B profile is accurate, because suppliers will frequently check this before they offer your business credit terms.

D&B provides a number of scoring models, including 3 that predict success or failure: Delinquency Predictor Score; Financial Stress Score; and Supplier Evaluation Risk Rating. There's also the D&B Rating, which allows you to quickly assess a firm's size and composite credit appraisal, based on information in a company's interim or fiscal balance sheet and an overall evaluation of the firm's creditworthiness, according to D&B.

The Paydex score is a way for lenders and suppliers to assess whether you pay on time, or even better, ahead of time.

Some experts warn that it's important that you provide D&B with something as simple as an accurate financial statement if there is not much data in your file yet.

How do you build business credit?

Experian notes that your business credit is every bit as important as your personal credit. In fact, one can impact the other. To establish your business and credit, says Dun & Bradstreet:

  1. Choose a business structure. This is the first step to separating personal credit from business credit.
  2. Get an EIN. Called an employer identification number, this 9-digit number is assigned by the Social Security Administration.
  3. Obtain a D&B DUNS number. This number identifies your business credit profile and helps other businesses pull your credit.
  4. Separate business and personal credit. This is critical to lowering your personal liability. Experian advises that you set up a business bank account in your legal business name and establish a dedicated business phone line in your business name – and make sure it's listed.

If you already have a business, D&B says:

  1. Update your business information. Incomplete or inaccurate information can affect your credit scores and ratings.
  2. Pay on time, and even better, early. If you aren’t paying on time, negative trade references can be filed by vendors. That can impact your scores and ratings, too.
  3. Request trade references. If you have a good relationship with a vendor (you pay on time), ask if they submit trade references to the credit bureaus, and if they don’t, ask them to.
  4. Monitor your scores and ratings. It’s important to know of any changes.
  5. Monitor your inquiries. While the name of the business inquiring about your credit is confidential, you have access to when it was made and what industry the company is in.

How to apply for a business credit card

  1. What you’ll need. When you apply for a business credit card, the card issuer will gather some information, including Social Security number or your EIN, name and address of your business, your business’ category, annual business revenue/sales, years in business, number of employees and other information.
  2. Be honest. Fill out the form honestly, because you can have the card revoked if you’re caught in a lie.
  3. Get approved in minutes. Many cards will approve or decline you within minutes. If you are approved, you may be able to shop online with your new account.
  4. Check your mail. Your card will arrive within a few days in the mail.

Do business credit cards build credit?

A business credit card is an excellent way to help you build business credit. It is a good idea to open a business credit card and use it fairly often, says business credit expert Elaine Pofeldt. Pay the bill on time and ideally, in full, every month, and don't max out the card, she says. You want to keep your personal and business credit separate, but because most business card issuers require a personal guarantee, your business credit can impact your personal credit, so take care of that business card.

How to choose the best credit card for your business

  • Study the signup bonus. Signup bonuses on business cards can come in points, miles or cash, and are frequently higher than those of consumer cards. Which are you most likely to use?
  • Look at the categories. Travel, shipping, office supplies – the options are bountiful. Some business cards offer high points or miles for one of a selection of categories, with a lower, but still generous, reward for the other categories. The maximum spend is frequently high, $50,000 and more, making it a good choice for a business on the go. Other cards offer a high percentage back for select categories. Think about how you plan to use your card.
  • Note the annual fee. A business card can have a $0 annual fee or it can have a $450 annual fee. Don’t let a fee scare you away, though. With it can come generous rewards that might make it worth your while. To decide, look at how you plan to use your card and add up how much in points, miles or cash you will earn in the course of a year. If it’s more than the annual fee, it may be worth it.
  • Check out the benefits. Business cards can actually be high-end travel cards, with access to airport lounges and generous points back for first-class and business travel. Think about how you plan to use your card. Will you use it often for travel? Or would a cashback card better suit?
  • What’s the APR? While credit cards aren’t meant to be long-term loans, it’s a good idea to know the APR of any card you have, just in case. The average APR for business cards is under 14%, less than the overall average for all cards, which is more than 2 percentage points higher.

Recap - Featured Business Credit Cards 2018

CardRewards RateAnnual FeeForeign Transaction Fee
Capital One® Spark® Cash for BusinessUnlimited 2% cash back$0 intro for first year; $95 after that$0
Ink Business CashSM Credit Card5% 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

2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1% cash back on all other card purchases
$03% of each transaction in U.S. dollars
The Blue for Business Credit Card from American Express2x points on everyday business purchases up to $50,000 per year with no category restrictions$02.7%
Capital One® Spark® Cash Select for BusinessUnlimited 1.5% cash back$0$0
The Business Gold Rewards Card from American Express OPEN3x points on 1 of 5 categories, 2x points on the remaining 4 categories, and 1x points everywhere else$0 intro first year; $175 thereafter1
Capital One® Spark® Miles for BusinessEarn 2 miles per $1 on every purchase, every day$0 intro for first year; $95 after that$0
The Enhanced Business Platinum Card from American Express OPEN5x points on flights and prepaid hotels through amextravel.com, 50% more points on eligible purchases of $5,000 or greater$450$0
Ink Business PreferredSM Credit CardEarn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year

Earn 1 point per $1 on all other purchases
$95$0
Capital One® Spark® Miles Select for BusinessEarn 1.5 miles per $1 on every purchase, every day$0$0
Bank of America Cash Rewards for Business MasterCard Credit Card3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that)

2% on purchases at restaurants

1% on all other purchases
$03% of the U.S. dollar amount of each transaction

Want more information?
Our business credit card reviews can help you compare offers to find the one that best suits your needs. 

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* For additional rates, fees and costs see issuer's website for detailed pricing and terms.