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Small business credit card offers from our partners

By Curtis Arnold Editor-in-chief, updated on March 1, 2015

Small business credit card offers can help keep your 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.

Compare your card and see how it stacks up
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Ink Cash<sup>®</sup> Business Credit Card
About Our Ratings

Ink Cash® Business Credit Card

  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn $200 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
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Special Offer Earn $200 bonus cash back
after you spend $3,000 in the first 3 months from account opening
Purchase Intro APR: 0% Intro APR on purchases
Period: for 12 months
Purchase APR 13.24% Variable
Annual Fee No Annual Fee
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business
About Our Ratings

Capital One® Spark® Miles Select for Business

  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
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Special Offer A one-time bonus of 10,000 miles
once you spend $3,000 on purchases within the first 3 months
Purchase Intro APR: 0% on purchases
Period: until August 2015
Purchase APR 12.9% - 20.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent / Good
The Enhanced Business Gold Rewards Card from American Express OPEN
About Our Ratings

The Enhanced Business Gold Rewards Card from American Express OPEN

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Now, Choose where you earn more: 3X points on one of the 5 categories below
  • Airfare purchased directly from airlines, US purchases for: advertising in select media, at gas stations, on shipping, & computer hardware, software, & cloud computing purchases made directly from select providers
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Promotional Offer Get 25,000 Membership Rewards® points
after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $0 introductory annual fee for the first year, then $175
APPLY NOW Credit Needed Good
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business
About Our Ratings

Capital One® Spark® Cash Select for Business

  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on purchases until August 2015;12.9%-20.9% variable APR after that
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Special Offer A one-time $100 bonus
once you spend $3,000 on purchases within the first 3 months
Purchase Intro APR: 0% on purchases
Period: until August 2015
Purchase APR 12.9% - 20.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent / Good
SimplyCash<sup>®</sup> Business Card from American Express
About Our Ratings

SimplyCash® Business Card from American Express

  • Limited Time Offer: You can get a $250 statement credit after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by June 23, 2015
  • With no annual membership fee, it's a smart choice for your business
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Promotional Offer Limited Time Offer: You can get a $250 statement credit
after you spend $5,000 on qualifying purchases on the Card within the first 6 months of Card Membership. To be eligible for this offer, your application must be received by June 23, 2015.
Purchase Intro APR: 0% on Purchases
Period: for 9 months
Purchase APR 12.24% - 19.24% Variable
Annual Fee No annual fee
APPLY NOW Credit Needed Good
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business
About Our Ratings

Capital One® Spark® Miles for Business

  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 25,000 miles once you spend $5,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
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Special Offer A one-time bonus of 25,000 miles
once you spend $5,000 on purchases within the first 3 months
Purchase Intro APR: N/A
Purchase APR 13.9% - 20.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent / Good
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
About Our Ratings

Capital One® Spark® Cash for Business

  • Earn 2% cash back on every purchase, every day
  • Get a one-time $250 cash bonus once you spend $5,000 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
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Special Offer Get a one-time $250 cash bonus
once you spend $5,000 on purchases within the first 3 months
Purchase Intro APR: N/A
Purchase APR 13.9% - 20.9% (Variable) 
Annual Fee $0 intro for first year; $59 after that
APPLY NOW Credit Needed Excellent / Good
The Blue for Business<sup>®</sup> Credit Card from American Express
About Our Ratings

The Blue for Business® Credit Card from American Express

  • Earn a 30% annual Relationship Bonus -- without an annual membership fee
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants
  • No annual fee for Additional Cards for Employees
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Promotional Offer Get 10,000 Membership Rewards® points
after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants
Purchase Intro APR: 0% on Purchases
Period: for 9 months
Purchase APR 11.24% - 19.24% Variable
Annual Fee No annual fee
APPLY NOW Credit Needed Good
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business
About Our Ratings

Capital One® Spark® Classic for Business

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
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Special Offer N/A
Purchase Intro APR: N/A
Purchase APR 22.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Average / Fair / Limited
The Plum Card<sup>®</sup> from American Express OPEN
About Our Ratings

The Plum Card® from American Express OPEN

  • Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
  • No Foreign Transaction Fees.
  • Pay no annual Membership fee for your first year.
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Promotional Offer N/A
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $0 introductory annual fee your first year, then $250.
APPLY NOW Credit Needed Good
The Business Platinum Card<sup>®</sup> from American Express OPEN
About Our Ratings

The Business Platinum Card® from American Express OPEN

  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • 20% Travel Bonus when using Membership Rewards® Pay with Points
  • A Premium Card with access to over 40 benefits to help power your business
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Promotional Offer Welcome Offer: Get 40,000 Membership Rewards® points
after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $450
APPLY NOW Credit Needed Good
Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express
About Our Ratings

Gold Delta SkyMiles® Business Credit Card from American Express

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight
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Promotional Offer Earn 30,000 bonus miles
after you make $1,000 in purchases on your new Card within your first 3 months
Purchase Intro APR: N/A
Purchase APR 15.24% - 19.24% Variable
Annual Fee $0 introductory annual fee for the first year, then $95
APPLY NOW Credit Needed Good
Capital One<sup>®</sup> Spark<sup>®</sup> Select for Business
About Our Ratings

Capital One® Spark® Select for Business

  • Save with our lowest intro APR on all purchases until November 2015; 10.9%-18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Build business credit with responsible use
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Special Offer N/A
Purchase Intro APR: 0% on purchases
Period: until November 2015
Purchase APR 10.9% - 18.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent / Good
U.S. Bank Business Edge<sup>™</sup> Select Rewards Card
About Our Ratings

U.S. Bank Business Edge Select Rewards Card

  • Get 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
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Special Offer Get 10,000 bonus points
when you spend $500 in net purchases during the first 90 days after opening your account
Purchase Intro APR: 0%*
Period: 9 billing cycles on purchases*
Purchase APR 11.99%-17.99%* Variable
Annual Fee $0*
APPLY NOW Credit Needed Excellent
Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express
About Our Ratings

Starwood Preferred Guest® Business Credit Card from American Express

  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Starpoints® redeemable towards Award Nights at over 1,100 hotels in nearly 100 countries worldwide
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Promotional Offer Starpoints® bonus: Earn up to 25,000 bonus points
Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
Purchase Intro APR: N/A
Purchase APR 15.24% - 19.24% Variable
Annual Fee $0 introductory annual fee for the first year, then $65
APPLY NOW Credit Needed Good
Business Green Rewards Card from American Express OPEN
About Our Ratings

Business Green Rewards Card from American Express OPEN

  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
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Promotional Offer Get 5,000 Membership Rewards® points
after your first purchase on the Card
Purchase Intro APR: N/A
Purchase APR N/A 
Annual Fee $0 introductory annual fee for the first year, then $95
APPLY NOW Credit Needed Good
Credit Card Database

More about Small business credit card offers

  • Types of Business Credit Cards
  • Finding Best Credit Card for Business
  • Will my personal credit be checked?
  • Report to personal credit?

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 and other credit factors determined by card issuer.

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.

Many business credit cards link their best rewards to purchases related to your business. 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.

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 business credit card offers from our partners to help you find one that meets your needs.

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.