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Business credit cards from our partners

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.

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Ink Cash<sup>®</sup> Business Card
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Ink Cash® Business Card

  • 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.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants 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
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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 June 2015
Purchase APR 12.9% - 20.9% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Excellent/ Good
Ink Plus<sup>®</sup> Business Card
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Ink Plus® Business Card

  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 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 50,000 bonus points
after you spend $5,000 on purchases in the first 3 months from account opening.
Purchase Intro APR: N/A
Purchase APR 15.24% Variable
Annual Fee $0 Intro Annual Fee for the first year, then $95.
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
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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
Capital One<sup>®</sup> Spark<sup>SM</sup> Classic for Business
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Capital One® SparkSM 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 Business Platinum Card<sup>®</sup> from American Express OPEN
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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
  • Terms & Restrictions Apply
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Special 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
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World MasterCard<sup>®</sup>
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CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

  • Designed for businesses with an established credit history
  • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® One-Day Passes after making $3,000 in purchases within the first 3 months of account opening*
  • Get the first checked bag free for you and up to 4 traveling companions*
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Special Offer Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® One-Day Passes
after making $3,000 in purchases within the first 3 months of account opening*
Purchase Intro APR: N/A
Purchase APR 15.24% Variable
Annual Fee $95, waived for first 12 months*
APPLY NOW Credit Needed Excellent
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business
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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
The Blue for Business<sup>®</sup> Credit Card from American Express
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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. Get a low introductory APR on purchases for 9 months. Use points to reinvest in your business and reward your employees and clients. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
  • Terms & Restrictions Apply
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Special 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
SimplyCash<sup>®</sup> Business Card from American Express
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SimplyCash® Business Card from American Express

  • With no annual membership fee, it's a smart choice for your business
  • Reinvest in your business with automatic cash back
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
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Special 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 February 24, 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
The Business Gold Rewards Card from American Express OPEN
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The 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
  • Built with business-sized purchasing power and fast rewards
  • Terms and limitations apply
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Special 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
The Plum Card<sup>®</sup> from American Express OPEN
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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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Special 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
Credit Card Database

More about Business credit cards

  • 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.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

Advertisers in our database are highlighted, and advertisements include an option to apply using links on our site. CardRatings.com may be compensated by companies mentioned on the site when a user's application is accepted or approved by such companies.