Business Credit Cards

Review the latest offers and find the right card for your growing business. Compare the latest small business and corporate credit offers from our partners to find the one that can help you keep your company's expenses on track and give you the buying power you need. Some business cards also reward you in the form of cash back or miles. Learn more in these articles and tips on credit cards for small business.

See offers from our partners below.

The Business Gold Rewards Card from American Express OPEN

APPLY ONLINE

at American Express's
secure site

APPLY BY PHONE

Credit Needed
Excellent Credit

Special 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
See additional The Business Gold Rewards Card from American Express OPEN details

APPLY NOW

at American Express's
secure site

or call American Express at
866-457-1121

Credit Needed
Excellent Credit

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

The Enhanced Business Platinum® Card from American Express OPEN

The Business Platinum Card from American Express OPEN Application

APPLY ONLINE

at American Express's
secure site

APPLY BY PHONE

Credit Needed
Excellent Credit

Limited Time Offer: Earn up to 100,000 Membership Rewards® points. Offer expires January 25, 2017.
Earn 50,000 Membership Rewards points after you spend $5,000 and an extra 50,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.

New: Get 50% more Membership Rewards® points. That’s 1.5 points per dollar, on each qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year.
Plus, continue to get one point per dollar for qualifying purchases under $5,000.
New 50% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 50% of the points back.
New: You can also receive 50% points back on all First and Business class flights, with all airlines available through American Express Travel.
You can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Terms & Restrictions Apply
See additional The Enhanced Business Platinum® Card from American Express OPEN details

APPLY NOW

at American Express's
secure site

or call American Express at
866-482-2805

Credit Needed
Excellent Credit

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

SimplyCash® Plus Business Credit Card from American Express

APPLY ONLINE

at American Express's
secure site

APPLY BY PHONE

Credit Needed
Excellent Credit

For a limited time, earn even more cash back: Earn up to $500 cash back as statement credits.
Earn a $250 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.

Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Offer Expires 01/25/2017.
No Annual Fee. Plus, more buying power and more cash back.
5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
3% on the category of your choice from a list of eight and 1% cash back on other purchases.
5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
Terms and limitations apply
See additional SimplyCash® Plus Business Credit Card from American Express details

APPLY NOW

at American Express's
secure site

or call American Express at
866-474-2158

Credit Needed
Excellent Credit

Purchases Intro APR

0% for 9 months

Balance Transfers Intro APR

N/A

Regular APR

12.49% - 19.49% Variable

Annual Fee

No annual fee

Credit Needed

Excellent Credit

See Rates & Fees

Capital One® Spark® Cash for Business

APPLY ONLINE

at Capital One's
secure site

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 of approval

Use Spark Cash across all your business spend, with no categories to limit your purchasing
$0 intro annual fee for the first year; $59 after that
Rewards don't expire, and you can redeem your cash back for any amount, anytime
Get employee cards at no additional cost, and earn rewards from their business spend
See additional Capital One® Spark® Cash for Business details

APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

17.24% (Variable)

Annual Fee

$0 intro for first year; $59 after that

Credit Needed

Excellent, Good

See Rates & Fees

Capital One® Spark® Cash Select for Business

APPLY ONLINE

at Capital One's
secure site

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 of approval

Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
No annual fee
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
Rewards don't expire, and you can redeem your cash back for any amount, anytime
Get employee cards at no additional cost, and earn rewards from their business spend
See additional Capital One® Spark® Cash Select for Business details

APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good

Purchases Intro APR

0% intro on purchases for 9 months

Balance Transfers Intro APR

N/A

Regular APR

13.24% - 21.24% (Variable)

Annual Fee

$0

Credit Needed

Excellent, Good

See Rates & Fees

Platinum Delta SkyMiles® Business Credit Card from American Express

APPLY ONLINE

at American Express's
secure site

Credit Needed
Excellent Credit

Limited Time Offer: Earn 70,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months.
Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer ends 11/09/2016.

Check your first bag for free and save up to $50 on a round trip Delta flight, settle into your seat sooner with Priority Boarding, enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
Use miles towards flights, seat upgrades, car rentals, merchandise, gift cards, and more.
No Foreign Transaction Fees.
Terms and limitations apply
See Rates & Fees
See additional Platinum Delta SkyMiles® Business Credit Card from American Express details

APPLY NOW

at American Express's
secure site

Credit Needed
Excellent Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

15.49% - 19.49% Variable

Annual Fee

$195

Credit Needed

Excellent Credit

See Rates & Fees

Starwood Preferred Guest® Business Credit Card from American Express

Starwood Preferred Guest Business Credit Card Application

APPLY ONLINE

at American Express's
secure site

APPLY BY PHONE

Credit Needed
Excellent Credit

For the first time, earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide after you use your new Card to make $5,000 in purchases within the first 3 months.
Note: A select few resorts require additional fees. Offer ends 10/19/2016.

Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries.
Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges.
No Foreign Transaction Fees on international purchases.
Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
$0 introductory annual fee for the first year, then $95.
Terms and conditions apply
See additional Starwood Preferred Guest® Business Credit Card from American Express details

APPLY NOW

at American Express's
secure site

or call American Express at
866-528-9249

Credit Needed
Excellent Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

15.49% - 19.49% Variable

Annual Fee

$0 introductory annual fee for the first year, then $95

Credit Needed

Excellent Credit

See Rates & Fees

Capital One® Spark® Classic for Business

APPLY ONLINE

at Capital One's
secure site

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 additional Capital One® Spark® Classic for Business details

APPLY NOW

at Capital One's
secure site

Credit Needed
Fair Credit

Purchases Intro APR

N/A

Balance Transfers Intro APR

N/A

Regular APR

23.24% (Variable)

Annual Fee

$0

Credit Needed

Fair Credit

See Rates & Fees

Capital One® Spark® Miles Select for Business

APPLY ONLINE

at Capital One's
secure site

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 of approval

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 for 9 months; 13.24%-21.24% 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 and miles don't expire
Fly on any airline, anytime, with no blackout dates or seat restrictions
See additional Capital One® Spark® Miles Select for Business details

APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good

Purchases Intro APR

0% intro on purchases for 9 months

Balance Transfers Intro APR

N/A

Regular APR

13.24% - 21.24% (Variable)

Annual Fee

$0

Credit Needed

Excellent, Good

See Rates & Fees

Ink Cash® Business Credit Card

866 customer reviews

APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent Credit

Earn $300 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
Employee cards at no additional cost
No Annual Fee
See additional Ink Cash® Business Credit Card details

APPLY NOW

at Chase's
secure site

Credit Needed
Excellent Credit

Purchases Intro APR

0% for 12 months

Balance Transfers Intro APR

0% for 12 months

Regular APR

13.49%-19.49% Variable

Annual Fee

$0

Credit Needed

Excellent Credit

See Rates & Fees

Show More Results

How to choose a business card

By: Connor Wrenn

A credit card account helps establish credit in the name of your business, which opens the doors to financial flexibility. It also gives you a centralized payments channel, making expense tracking a breeze. Plus, keeping your business finances separate creates advantageous situations, such as calling interest payments a qualified business expense. So, which card is best for your business? Consider the following factors, and you’ll be on your way to a well-informed decision:

Balancing act
Like many cards, you should have an idea of whether or not you will carry charges month-over-month. If you will, look for cards with lower interest rates. Some business credit card may offer 0 percent introductory offers as well. On the other hand, if you pay charges off in full every month, you’ll want to look for the card with the most benefits.

Rewards for your spending
You’ll also want to look into potential rewards offers on these cards. Start by examining your expenditures. Take a close look at items such as phone services, internet and office supplies. Make sure you choose a card that rewards you for purchases of those regular necessities. Fly a lot for your business? Find a card that offers a sign-up bonus or a strong miles earnings rate. Do you have clients to entertain for nights on the town? Find a card with strong restaurant rewards. Are you driving around town to get things done? Consider a gas card.

Those who aren’t sure where to start, or who don’t have excessive spending in any one category, can find cash back offers ranging from 1-5 percent. Some of these cash-back benefits may apply to certain categories only, so knowing what you spend the most money on will help you maximize those rewards.

Fees and other fine print
Cards with 0 percent APR deals can come in handy for those owners who need to make a substantial business purchases but aren’t sure how to finance it. Another consideration is whether you can get additional cards for employees, preferably at little to no cost to you as the owner.

When it comes to the issue of fees, it’s important to do the math and see if the potential rewards outweigh the costs.

Finally, near the end of the decision-making process, consider fringe perks. Certain cards can give you access to travel lounges, early flight boarding and free checked baggage.

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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