Business Credit Cards from our partners

By updated on July 31, 2014

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.

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 and other credit factors determined by card issuer.

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.

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 I apply for a business credit card, will my personal credit history be 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 business credit card offers from our partners to help you find one that meets your needs.

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.

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The Business Platinum Card® from American Express OPEN

Editor's Rating

  • 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
Apply Now Credit Needed Good
X

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

Ink Cash® Business Card

Editor's Rating

  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • 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.
Apply Now Credit Needed Excellent
X

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

Capital One® Spark® Cash for Business

Editor's Rating

  • Earn 2% cash back on every purchase, every day
  • Get a $250 cash bonus--just spend $5,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
Apply Now Credit Needed Good
X

Special Offer

Get a $250 cash bonus-- just spend $5,000 on purchases within the first 3 months

Purchase Intro

APR: N/A

Purchase APR

13.9% - 20.9% (V) 

Annual Fee

$0 intro for first year; $59 after that

Capital One® Spark® Miles Select for Business

Editor's Rating

  • 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
  • Save with 0% intro APR on all purchases until February 2015
Apply Now Credit Needed Good
X

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 February 2015

Purchase APR

12.9% - 20.9% (V) 

Annual Fee

$0

Capital One® SparkSM Classic for Business

Editor's Rating

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
Apply Now Credit Needed Average/Fair
X

Special Offer

N/A 

Purchase Intro

APR: N/A

Purchase APR

22.9% (V) 

Annual Fee

$0

The Plum Card® from American Express OPEN

Editor's Rating

  • Learn how you can get up to 3.5% back.
  • 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.
Apply Now Credit Needed Good
X

Special Offer

Do Business On Your Terms 

Purchase Intro

APR: N/A

Purchase APR

N/A 

Annual Fee

$0 introductory annual fee your first year, then $250.

SimplyCash® Business Card from American Express

Editor's Rating

  • With no annual membership fee, it's a smart choice for your business.
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers; 3% on the category of your choice; 1% on other purchases; On purchases up to $25,000 at 5% and 3% per rebate year, then 1%
  • Terms and limitations apply
Apply Now Credit Needed Good
X

Special Offer

N/A 

Purchase Intro

APR: 0% on Purchases

Period: for 9 months

Purchase APR

12.24% - 19.24% Variable

Annual Fee

No annual fee

The Business Gold Rewards Card from American Express OPEN

Editor's Rating

  • 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. 3X points on airfare purchased directly from airlines. 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers. Up to $100,000 in each category per year, then 1 point. Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward.
  • Terms and limitations apply
Apply Now Credit Needed Good
X

Special Offer

Built with business-sized purchasing power and fast rewards 

Purchase Intro

APR: N/A

Purchase APR

N/A 

Annual Fee

$0 introductory annual fee for the first year, then $175

Gold Delta SkyMiles® Business Credit Card from American Express

Editor's Rating

  • 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. 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases. Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases.
  • No Foreign Transaction fees. $0 introductory annual fee for the first year, then $95. Terms and limitations apply.
Apply Now Credit Needed Good
X

Special 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

Capital One® Spark® Miles for Business

Editor's Rating

  • Earn 2 miles per dollar on every purchase, every day
  • Get 25,000 bonus miles--just spend $5,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
Apply Now Credit Needed Good
X

Special Offer

Get 25,000 bonus miles-- just spend $5,000 on purchases within the first 3 months

Purchase Intro

APR: N/A

Purchase APR

13.9% - 20.9% (V) 

Annual Fee

$0 intro for first year; $59 after that