- Who: Small business owners who have a good credit score
- Why: Small business credit cards can help a business owner better manage their expenses and cash flow and also often offer generous rebates
- Drawbacks: You may be personally liable for any unpaid debt that is associated with the credit card and your personal credit score could suffer.
Business Credit Cards
Ink CashSM Business Card
- 3% cash back at gas stations, restaurants, office supply and home improvement stores
- 1% cash back on everything else - unlimited
- Rewards can be redeemed for checks in increments of $50
- Customized credit line to meet the needs of your business
- Free additional cards for employees
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 11.24 - 17.24% V | Yes | 3% ($5 minimum) | Excellent |
TrueEarnings(R) Business Card from Costco and American Express
- Straight cash back-4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 0% introductory APR on purchases for the first 6 months
- No annual fee with your paid Costco Membership
- Flexible payments-pay in full or over time
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 15.24% | N/A | *See Terms | Good |
InkSM with Ultimate RewardsSM
- No Annual Fee
- 0% Introductory Rate
- No Dollar Goes Unrewarded
- Access to Ultimate Rewards
- Powerful Business Tools
- Globally Accepted
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 11.24 - 17.24% Variable | Yes | 3% ($5 minimum) | Excellent |
Starwood Preferred Guest(R) Business Credit Card from American Express OPEN
- Earn 10,000 Starpoints with your first purchase
- Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
- Redeem at participating Starwood hotels and resorts in 95 countries including Sheraton(R), Westin(R) and W Hotels(R)
- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
- No annual fee for the first year - a savings of $45
- Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 2.90% | 6 months | 15.24% | N/A | *See Terms | Good |
Capital One® Business Platinum with Preferred No Hassle MilesSM
- 0% APR on all purchases until January 2011
- No annual fee
- 3 miles per $1 spent in the category of choice where you spend most, and 1 mile per dollar on all other purchases
- Redeem miles for travel, cash, merchandise, gift cards, and more
- Fly on any airline with no blackout dates or seat restrictions
- There's no limit to the miles you can earn, miles don't expire
- Free Itemized Year-End Summary and employee cards with no annual fees
- $0 Fraud Liability Protection if your card is lost or stolen
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases only | Until January 2011 | As low as 14.99% Variable | Yes | None | Excellent |
Gold Delta SkyMiles(R) Business Credit Card from American Express OPEN
- Save a total of $250 off Delta flights
- Earn 20,000 miles upon your first purchase on the Card
- Sign up for two Additional Cards and earn 5,000 bonus miles
- Use miles to pay for any Delta seat, anytime - no black out dates and no seat restrictions
- 25,000 miles may also be redeemed for a domestic economy award ticket
- No annual fee for the first year - a savings of up to $95
- No annual fee for Additional Cards
- Annual $99 Companion Certificate
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 14.50% | N/A | *See Terms | Good |
Capital One® Venture for BusinessSM
- Earn double miles on every purchase, every day
- Receive 5,000 bonus miles by signing up for one or more employee cards
- Get 10,000 bonus miles—just spend $1,000 within the first three months
- Use your rewards for travel, cash back, gift cards, merchandise and more
- Fly any airline, anytime and your miles don’t expire
- First year’s annual fee is on us
- No foreign transaction fees
- Enjoy exclusive award-winning customer service
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 13.9% Variable | Yes | None | Excellent |
The Plum Card(R) from American Express OPEN
- The Everything, Everywhere Trade Terms Card(SM)
- A powerful cash flow management tool
- 1.5% early pay discount or up to 2 months defer pay, interest
- No annual fee for the first year - a $185 savings
Meet the American Express OPEN(R) Charge Card that offers trade terms on virtually everything you purchase. The Plum Card.
Pay in full within ten days, get a 1.5% discount.- OR pay as little as 10% and take up to 2 months to pay off the balance, interest free.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | N/A | N/A | Good |
Capital One® Business Platinum with No Hassle CashSM
- 0% APR on all purchases until April 2011
- No annual fee
- 1% cash back on all purchases
- Get your cash back whenever you want
- No caps or expiration to the cash rewards you can earn
- $0 Fraud Liability Protection if your card is lost or stolen
- Free Itemized Year-End Summary
- Employee cards with no annual fees
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases only | Until April 2011 | As low as 14.99% Variable | Yes | None | Excellent |
The Gold Card from American Express OPEN
- Get rewarded for what your business already spends
- Unlimited rewards potential - Membership Rewards(R) points have no limit to the amount you can earn and no expiration date
- Earn 25,000 bonus points every year if you shift $50,000 of your business purchases onto the Card
- More purchasing power - Your purchase capacity can evolve with your business. Shift business expenses onto the Card and earn more rewards
- No annual fee for the first year - a $125 savings
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | N/A | N/A | Good |
Ink BoldSM with Ultimate RewardsSM
- Earn over 50,000 bonus points in your first year
- Unlimited rewards for you and your business – and points never expire
- Earn up to 47,500 bonus points every year
- 5,000 bonus points after your first purchase redeemable for $50 cash back
- Points are 25% more valuable than American Express Membership Rewards points when you book travel through Ultimate Rewards*
- No Interest Expense and 30 days to pay with this pay-in-full charge card
- First year free ($95 value)
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | N/A | N/A | Excellent |
The Business Platinum Card(R) from American Express OPEN
Enjoy amenities for you and your business, like:
Complimentary airport club access, including American Airlines Admirals Club(R) lounges- Concierge service to assist with your business needs from gift giving to dinner reservations
- Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club(R), Avis Preferred(R), and Emerald club from National(R) Car Rental
- The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
- Enrollment in the Membership Rewards First(R) program
- No pre-set spending limit*
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | N/A | N/A | N/A | Good |
Citi AT&T Universal Business Rewards Card
- 0% APR on purchases for 6 months*
- Earn 5 ThankYou Points for every dollar you spent on eligible AT&T products and services
- Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services
- and 1 ThankYou point for every dollar spent on other purchases
- Additional cards for employees with credit limits you set
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 Months | 16.99% Variable | N/A | 3% ($5 min)* | Good |
JetBlue Business Card from American Express OPEN
- Earn 10,000 TrueBlue (R) points with your first purchase - enough for an Award Flight.
- Jet for less - redeem for a roundtrip Award Flight starting at just 10,000 points.
- No blackout dates so you can redeem points for any seat, anytime.
- Earn 1 TrueBlue point for every eligible dollar you spend.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 15.24% | N/A | *See Terms | Good |








