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Best Business Credit Cards

July 2024

The best credit cards for businesses have rewards, sign-up bonuses, and generous perks. Another benefit? Business credit cards are also useful for managing short-term cash-flow issues. Our experts have reviewed hundreds of cards to identify the best business credit cards available.
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Business credit cards are an excellent way to convert business expenses into cash back and travel points. They are also an inexpensive way to reward employees (or yourself) with valuable travel perks. Although personal credit cards have their place in an entrepreneur's toolbox, companies need their own business credit card.
Here is SuperMoney's list of the best business credit cards currently available.
Compare All Business Credit Cards

The Benefits of Business Credit Cards

Obtaining credit and maintaining positive cash flow can be an ongoing challenge, especially for small businesses. Business credit cards allow entrepreneurs a measure of flexibility in managing their business finances. They also help business owners establish a separate business credit profile by separating business and personal expenses. Maintaining separate business and personal records is also a significant advantage when tax time rolls around. The cashback and rewards you can obtain from your business card are also significant, even for micro-businesses. According to a recent survey, micro-businesses spend an average of $2,245 a month on business expenses. At 2x points, that represents $539 a year in cashback or travel credit.

FAQs on Business Credit Card

Do business credit cards affect your credit score?

When business credit card activity shows up on your credit reports, it's treated the same as any other credit card debt by both the FICO and VantageScore credit scoring methods. When you apply for a new business credit card, it typically shows up on your credit reports as a hard inquiry. This could temporarily ding your credit, but it doesn’t necessarily indicate the issuer will report the card’s activity to consumer credit bureaus.

What does a business credit card do?

Small business credit cards provide business owners with easy access to a revolving line of credit with a set credit limit to make purchases and withdraw cash. Like a consumer credit card, a small business credit card carries an interest charge if the balance is not repaid in full each billing cycle.

What is the difference between a personal and business credit card?

The first key difference is that business credit cards (naturally) are designed for business use, while anyone can use personal credit cards. However, even if you don't have a formal business with a tax ID number, you can still open a business credit card as a sole proprietor.

Is it illegal to pay personal expenses from a business account?

Although it is best to only use your business account for business expenses, it is not illegal to use your business account for personal purchases if you are the owner or have the business owner's permission. However, the IRS does not allow businesses to claim personal expenses as business expenses.

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