Business Credit Cards

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Business credit card

Small business credit cards typically have higher spending limits and more generous rewards programs than consumer cards. Some have additional benefits, such as low APRs, attractive balance transfer promotions, personalized concierge service, and fringe benefits. Check out our rundown of the best Business Credit Cards and apply online in minutes.

Best Business Credit Cards

Best for flat-rate rewards

Capital One® Spark® Cash for Business
  • Annual fee: $0 for the first year, then $95
  • Bonus value: $0
  • Rewards rate: 2.00%
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • Advantages
  • Downsides
  • Primary concern

Flat rate rewards cards are somewhat similar to khakis: a bit of exhausting, yet they run with everything. When you match this 2% money back card with a tiered rewards card, you'll generally win more than the "1% back on everything else" that most cards guarantee. In case you're a one-credit-card kind of business visionary, a flat rate card like this will probably offer preferable long haul an incentive over a layered rewards card.

After the principal year, you'll earn back the original investment on the yearly charge just on the off chance that you put more than $4,750 on the card every year. On the off chance that you intend to spend less, consider a no-yearly expense card.

With boundless 2% money back, the Capital One® Spark® Cash for Business is an incredible arrangement all alone and can be an effective supplement to the other cards in your wallet.

Best for 0% APR period

Ink Business Cash℠ Credit Card
  • Annual fee: $0
  • Bonus value: $300
  • Rewards rate: 1.00%
  • Earn $300 bonus cash back when 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
  • Advantages
  • Downsides
  • Primary concern

Credit cards with 0% APR periods are always crowd-pleasers, but for small businesses, they're especially valuable. If you need to make a major inventory purchase, this $0-annual-fee card lets you float that debt interest-free for a while earning great cash-back rewards. Also nice: You can get additional cards for employees at no cost and set spending limits on those cards.

You'll miss out on the card's most valuable rewards if your business doesn't spend much at office supply stores or on telecommunications services.

With the longest 0% APR period among small business credit cards on EveryBuckCounts the Ink Business Cash℠ Credit Card is ideal for businesses trying to smooth out their cash flow.

Best for airport lounge access

The Business Platinum® Card from American Express OPEN
  • Annual fee: $450
  • Bonus value: $0
  • Rewards rate: 1.00%
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Advantages
  • Downsides
  • Primary concern

Credit cards with 0% APR periods are cult favorites yet for private ventures, they're particularly significant. In the event that you have to influence a noteworthy stock to purchase, this $0-yearly charge card gives you a chance to skim that obligation premium free for some time acquiring extraordinary cash-back rewards. Likewise decent: You can get extra cards for workers at no cost and set spending limits on those cards.

You'll pass up a major opportunity for the card's most profitable rewards if your business doesn't spend much at office supply stores or on media communications administrations.

With the longest 0% APR period among private company credit cards on EveryBuckCounts the Ink Business Cash℠ Credit Card is perfect for businesses attempting to smooth out their cash stream.

Best for fair credit

Capital One® Spark® Classic for Business
  • Annual fee: $0
  • Rewards rate: 1.00%
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Advantages
  • Downsides
  • Primary concern

For whatever length of time you pony up all required funds each month, this card is a ton less expensive than a significant number of the high-premium advances and other here and now financing offers showcased to business people with reasonable credit. You procure cash-back rewards on your spending, as well. With on-time installments, you can move in the direction of strengthening your own credit and business credit.

The continuous APR is 24.24% Variable APR, which is moderately high, so it's not a decent card for conveying obligation.

On the off chance that you have reasonable credit and can pony up all required funds each month, the Capital One® Spark® Classic for Business may be the most moderate path for you to get cash for your business.

Best for sole proprietors and entrepreneurs

Applied Bank® VISA® Business card
  • Initial credit limit of $500 and no application or processing fees
  • No credit check required
  • No penalty interest rate
  • Initial credit limit of $500 and no application or processing fees!
  • A real VISA® Business credit card that reports monthly to major credit bureaus.
  • Advantages
  • Drawbacks
  • Bottom Line

The Applied Bank Secured Visa was intended for individuals who have been turned down for a credit card or are improving their credit. Thus, even individuals with bad credit (underneath 620) can qualify. The main advantage is the low-interest rate, which doesn't go up regardless of whether you're late (in spite of the fact that a late fee will apply).

Not having a grace period is a noteworthy win for the bank and a noteworthy misfortune for you. On the off chance that you have bad credit, yet you do have a business and you have to isolate your personal and business expenses, there are less expensive alternatives. Hell, there are secured cards less expensive than this card.

Unless you absolutely must have a credit card and this is the only card you can qualify for, you should avoid this card as this can prove be a bit too expensive for you.

 

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