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    Business Credit Cards

    Business credit cards can be a necessity for keeping your small business running smoothly. Small business credit cards can help a business owner better manage their expenses and cash flow and also often offer generous rebates. However, you may be personally liable for any unpaid debt that is associated with the credit card and your personal credit score could suffer.

The Business Platinum Card® from American Express OPEN

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Apply Online for The Business Platinum Card® from American Express OPEN Apply Now
  • Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Complimentary airport club access, including American Airlines Admirals Club® 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®, Avis Preferred®, and Emerald Club from National® 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® program
  • No pre-set spending limit*

The NEW Blue for Business® Credit Card from American Express OPEN

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Apply Online for The NEW Blue for Business® Credit Card from American Express OPEN Apply Now
  • Earn a Welcome Bonus of 10,000 bonus points after your first purchase
  • Earn 10% more points the first year, Earn 20% more points the second year, Earn 30% more points every year after
  • Get an introductory APR of 0% for up to 12 months
  • No annual fee and no fee for Additional Cards for Employees
  • Save 3% - 10% automatically on business expenses from FedEx, Hertz®, and more with OPEN Savings® discounts
  • Enjoy the option to pay over time

The NEW Business Gold Rewards Card® from American Express OPEN

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Apply Online for The NEW Business Gold Rewards Card® from American Express OPEN Apply Now
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived for the first year

Ink CashSM Business Card - Earn Up to $250 Bonus Cash Back

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Apply Online for Ink CashSM Business Card - Earn Up to $250 Bonus Cash Back Apply Now
  • $250 cash back bonus after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
  • 2% cash back on the first $25,000 spent annually on gas and dining
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No Annual Fee*

Starwood Preferred Guest® Business Credit Card from American Express OPEN

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Apply Online for Starwood Preferred Guest® Business Credit Card from American Express OPEN Apply Now
  • Earn up to 25,000 Starpoints®- Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months - enough for up to 6 free nights at a Category 1 or 2 hotel
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

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Apply Online for Gold Delta SkyMiles® Business Credit Card from American Express OPEN Apply Now
  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free-for up to 8 people on your reservation-on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®

TrueEarnings® Business Card from Costco and American Express OPEN

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Apply Online for TrueEarnings® Business Card from Costco and American Express OPEN Apply Now
  • Get cash back-4% for annual gasoline purchases of up to $6,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • 0% introductory APR on purchases for the first 6 months
  • No introductory annual fee with your paid Costco Membership
  • Flexible payments-pay in full or over time

InkSM Classic Business - Up to 25,000 Bonus Points

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Apply Online for InkSM Classic Business - Up to 25,000 Bonus Points Apply Now
  • 25,000 bonus points after you spend $5,000 in the first 3 months!*
  • 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
  • 2X points per dollar on the first $25,000 spent annually on fuel and lodging*
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn*
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No annual fee*

The Plum Card® from American Express OPEN

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Apply Online for The Plum Card® from American Express OPEN Apply Now
  • The Everything, Everywhere Trade Terms Card SM from American Express OPEN
  • 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
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool

The New Ink BoldSM with Ultimate RewardsSM - 50,000 Bonus Points

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Apply Online for The New Ink BoldSM with Ultimate RewardsSM - 50,000 Bonus Points Apply Now
  • 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • No limit to the number of points you can earn - and points do not expire
  • 5X points per dollar on the first $50,000 spent annually on eligible business purchases
  • No foreign transaction fees and Free Employee Cards
  • No interest or over limit fees
  • No Annual Fee in the first year - that's a $95 savings

PEX Visa Business Prepaid Card

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Apply Online for PEX Visa Business Prepaid Card Apply Now

  • Instantly fund employee purchases.
  • Gain 24/7 control over where and how much employees spend.
  • Save money - no surprise interest charges or overdraft fees.

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.
We scour. You save
Every day, we search the web to find the very
best deals and money-saving tips. Then we
send them right to you.
Thank you!
You are signed up to receive the latest deals, offers and tips!
Credit Card Database

What types of business credit cards are available?

Just like personal credit cards, many types of business credit cards are available. For example, there are cards:

1. With introductory interest rates and terms, including the initial waiver of annual fees
2. With rewards programs, including cash back and travel programs
3. For business and owners with excellent, good and less than stellar credit history
4. With varied credit limits based on credit history

How can I find the best business credit card? >>

How can I find the best business credit card?

If a credit card is part of your business plan, think first about your cash flow. Will you use the business credit card to stay afloat in slow months? If so, you may want to look for the business credit card with the lowest interest rate, since you may need to carry a balance from one month to the next. If you intend to pay off your balance each month, you may want to look for a business rewards credit card that will give you points or cash back on your purchases. You can also look for a credit card without an annual fee or with the annual fee waived during your first year. If you already have a business credit card with a balance, you may also want to look into a balance transfer offer to see if you can qualify for a lower (or zero) interest rate and reduce your balance faster.

If you travel often for work, your best bet could be a travel rewards card. If you fly a lot, you can build your supply of frequent flier miles more quickly by using an airline credit card. If you drive to business appointments, you may want to look for a credit card that gives you a rebate on gas purchases.

Many business credit cards link their best rewards to purchases related to your business. For example, Chase offers the New Ink Cash(SM) Business Card, which pays you 5 percent cash back on all purchases of office supplies, cable and telecom services for the first $25,000 you spend. So, if you have been paying your cable bill out of pocket, it might be smart to pay it with your business credit card to earn some bonus cash. The New Ink Cash Business card also rebates you 3 percent on gas purchases and 1 percent on groceries and other purchases. As an enticement to new customers, the credit card has a zero percent APR for the first six months on purchases and balance transfers. This credit card does not have an annual fee, and is only available to customers with excellent credit.

When I apply for a business credit card, will my personal credit history get checked? >>

When I apply for a business credit card, will my personal credit history get checked?

When choosing a business credit card, you may be mixing your personal credit history and your business credit history. Before you complete an application, find out whether the credit card company will be reviewing your personal credit history. Some credit card companies offer a business credit card to a business with a verifiable income stream and a checking account without looking at the personal credit history of the applicant. Business credit cards are available to applicants with excellent, good, and even fair credit.

Besides checking into how your credit history will be viewed when you apply, you should find out whether the credit card company will report your use of your business credit card to all three major credit bureaus or whether they will only provide reports to business credit bureaus. If you are being held personally liable for unpaid debt on a business credit card, it could hurt your personal credit score.

If you think a business credit card could help you manage your expenses and cash flow, compare the business credit card offers on this page to help you find one that meets your needs.

Do business credit card companies report to personal credit agencies? >>

Do business credit card companies report to personal credit agencies?

It depends on the company that issued your credit card. Some credit card companies don't report to personal credit agencies like Experian and TransUnion, but they do report to business credit bureaus like Dunn and Bradstreet and the Small Business Financial Exchange. Review the terms and conditions on every business credit card application before applying. That's the best way to know for sure how the particular card is reported.


For more info on any of the cards listed above, click on the card name below:
The Business Platinum Card® from American Express OPEN
The NEW Blue for Business® Credit Card from American Express OPEN
The NEW Business Gold Rewards Card® from American Express OPEN
Ink CashSM Business Card - Earn Up to $250 Bonus Cash Back
Starwood Preferred Guest® Business Credit Card from American Express OPEN
Gold Delta SkyMiles® Business Credit Card from American Express OPEN
TrueEarnings® Business Card from Costco and American Express OPEN
InkSM Classic Business - Up to 25,000 Bonus Points
The Plum Card® from American Express OPEN
The New Ink BoldSM with Ultimate RewardsSM - 50,000 Bonus Points
PEX Visa Business Prepaid Card
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