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 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
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® Cash for Business

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 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

The Business Platinum® Card from American Express OPEN

Apply Now 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
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

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

Ink Business Cash℠ Credit Card

Ink Business Cash℠ Credit Card

1,346 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

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 Blue Business℠ Plus Credit Card from American Express

Apply Now 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
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® 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

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: February 1, 2018

CreditCards.com's Top Business Credit Cards of 2018

Business credit cards can help you earn points and save money on business expenses. If you make purchases in business categories, then using a business card can be a smart decision. With a business credit card, you can track expenses for your small business and save on interest annually.

Business cards, whether credit or charge, are a great way to organize business expenditures and to build rewards. You can earn points, miles or cash back with a variety of categories specific to businesses, such as advertising and office supplies.

Here, we look at:

  • What is a business credit card?
  • Pros and cons of business cards
  • Is a business card right for me?
  • Consumer card vs. business card
  • What benefits do business cards offer?
  • Business card categories
  • Do business credit cards build credit?
  • How to choose the best credit card for your business

Whether you are trying to decide if a business card is right for you or you are trying to decide between a consumer card or a business card, we can help:

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.

Pros and cons of business cards

Pros of Business CardsCons of Business Cards
Can get charge card with no pre-set limitPay charge card in full each month
Business-related categoriesSometimes with limits
Generous sign-up bonusesAnnual fee can be high
Great for organizing expensesNot protected under CARD Act of 2009

Is a business card right for me?

Even if you are a freelancer, you may qualify for a business card. Business credit cards are good for building rewards, separating your personal expenses from your business expenses, and enjoying convenience. If you have difficulty paying down credit cards or your credit is poor, a business card may not be the best choice for now.

Instead, consider building your business credit by incorporating your company or establishing an LLC; opening bank accounts in your company’s legal name; establishing a listed, dedicated, business phone number; and getting a federal EIN. Also, build your personal credit by taking out a credit card for bad or fair credit and paying on time and in full each month.

If you already have cards, pay them in full and on time each month, only using them for what you already have the money for. Within a few months, you’ll see a difference in your scores and you’ll have the practice to handle a business card.

Consumer card vs. business card

Consumer CardBusiness Card
Can build creditCan build credit
Good for convenienceGood for convenience
Often no annual feeSometimes no annual fee
Wide variety of rewards cardsGreat for organizational tools
Can get boosted categoriesBusiness-related categories
Protected by CARD Act of 2009Not protected by CARD Act of 2009
Cards available for bad creditCan earn superior rewards

What benefits do business cards offer?

Rewards

  • Sign-up bonus. These can be in points or through statement credits.
  • Boosted rewards on select categories. For example, you can earn 5% at U.S. office supply stores and wireless phone services from U.S. providers through the SimplyCash Plus Business Credit Card from Amex.
  • Cellphone protection. For example, the Chase Ink Business Preferred offers up to $600 per claim against covered theft or damage for you and your employees listed on your monthly cellphone bill when you pay with your card. Maximum of 3 claims in a 12-month period with a $100 deductible per claim.

Managing business affairs

  • Account alerts.
  • Connect to QuickBooks.
  • Employee cards at no extra cost. This is handy for collecting points or cash back.
  • Expense management tools. For example, the Business Gold Rewards Card from Amex OPEN and the SimplyCash Business Plus offer the Spend Manager tool, which allows you to add receipts and notes to your transactions.
  • No pre-set limit. Some American Express cards are charge cards, which means you don’t have a pre-set limit, although that’s not the same as unlimited spending. Instead, you can be approved for a high amount at the register in exchange to paying in full each month.
  • Year-end summary.

Purchases

  • Fraud protection. Your account is protected from real-time fraud.
  • Some cards with No foreign transaction fees. Otherwise, these can run as much as 3%.
  • Purchase protection.
  • Zero liability protection. You’re not responsible for unauthorized charges.

Travel

  • Access to airport lounges worldwide.
  • Auto rental collision damage waiver. Sometimes, as in the case of select Chase cards, you can get primary coverage, which means that it is the first coverage that is used, not your personal insurance.
  • Baggage insurance.
  • Extended warranty protection.
  • First checked bag free.
  • Trip cancellations/trip interruptions. This can help with illness, severe weather or other covered situations.
  • Roadside service.
  • Travel accident insurance.

Business card categories

  • Advertising purchases
  • Cellular phone, landline, internet and cable
  • Computer hardware, software and cloud computing
  • Gas stations and restaurants
  • Office supply stores
  • Travel/airfare/hotel/car rentals
  • Shipping purchases

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
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 thereafter$0
Capital One® Spark® Cash for BusinessUnlimited 2% cash back$0 intro for first year; $95 after that$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
The 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
Capital One® Spark® Miles Select for BusinessEarn 1.5 miles per $1 on every purchase, every day$0$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
Capital One® Spark® Cash Select for BusinessUnlimited 1.5% cash back$0$0
The Blue BusinessSM Plus 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® Miles for BusinessEarn 2 miles per $1 on every purchase, every day$0 intro for first year; $95 after that$0
Bank of America® Business Advantage Cash Rewards 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.