SuperMoney 

Compare Business Credit Cards

Does your business need access to a credit line? Whether you're looking to increase your company’s purchasing power, cover cashflow gaps, build business credit, or gain access to perks and rewards, a business credit card can help.

But what is a business credit card? When is it useful? And how can you find the right business credit card for your needs? Read on to learn everything you need to know about shopping for the perfect business credit card.

What is a business credit card?

A business credit card is a credit card intended for use by a business for professional expenses. They are available for many types and sizes of businesses, from sole proprietors to large corporations.

How do business credit cards work?

Business credit cards work much like personal credit cards. You gain access to a revolving credit line, make minimum monthly payments, and pay interest on balances that carry over past a billing cycle. However, they also offer rewards and features which specifically benefit businesses. Additionally, they can help your business to build credit.

With hundreds of business credit cards to choose from, here’s what you need to know to find the best card for your company.

How should I compare business credit cards?

What should you consider when comparing business credit cards? When choosing between different business credit cards, ask yourself the following questions:

How much is the annual fee?

An annual fee is an amount you have to pay each year to use your credit card. The cost ranges from $0 up to about $450. In most cases, it’s best to go for a card with a low or nonexistent fee. But if you do choose a business credit card with an annual fee, make sure that its benefits justify the cost. Plus, watch out for cards that waive the annual fee for the first year -- don't commit unless you're sure you can afford the fee in the coming years.

What other fees come with business credit cards?

The annual fee isn’t the only charge you'll face with a business credit card. Read the fine print on your credit card to learn about all the fees it will charge. If you don't, you might be blindsided by the figures on your next billing statement.

Credit card fees can include:

  • Late payment fees. A fee for paying your monthly payment late. These often land cost $35 to $40.
  • Foreign transaction fees: You incur this fee by using your card outside of the U.S. or with foreign merchants. It typically costs 1% to 3% of the purchase amount.
  • Balance transfer fees. The cost to transfer a balance from another card to your business credit card. Not all card issuers charge this fee, but when they do, it usually costs 3-5% of the transfer amount.
  • Cash advance fees. The cost to withdraw cash from your credit line. A standard cash advance fee is $10 or 3% of the cash advance amount.

Be sure to read the credit card's terms and conditions to verify its fee types and amounts. You’ll want a card with a competitive fee schedule.

How much are the APRs on the card?

Credit card companies often have separate annual percentage rates (APRs) for purchases, cash advances, and balance transfers. Additionally, some charge a penalty rate if you are more than 60 days late on your payment. Check all of the APR offerings of various cards to find the lowest rates.

Prioritize the APR types that suit your intended use of your business credit card. For example, if you intend to use the card primarily for purchases, look for a card with a low purchase APR. And if you know that you won't be taking out any cash advances, you can overlook a card's high cash advance APR.

What credit score is required to get the credit card?

Many business credit cards require a personal guarantor, an individual who will pay the card's balance if the business can’t. To qualify as a personal guarantor, you'll have to have to meet certain minimum credit score requirements. Check the credit card issuer’s eligibility requirements to find out if you qualify.

Does the business credit card offer valuable rewards?

Credit card companies offer rewards to entice businesses to choose their cards. These rewards come in many types. Check out the rewards programs of your prospective business credit cards, and take note of the value they will provide you. You’ll want to ask yourself if the rewards make sense for your business.

Seek out a business credit card whose rewards suit your business' spending behavior. For example, if you fly often for business trips, a miles reward program could be a great fit. If you never fly, earning points or cashback might be a smarter choice.

Common reward programs include:

  • Miles: Earn miles when you make purchases and redeem them for airline tickets.
  • Points: Earn points that you can redeem for gift cards, merchandise, travel, or cashback.
  • Cashback: Earn a percentage of each purchase back as cash.

By finding a rewards program that works with your business’ spending habits, you can maximize your card’s return on investment.

Does the card have an introductory promotion?

Many business credit cards offer an introductory promotion. Check to see if any of your prospective cards are offering a kickback and, if so, calculate its value. Common signup bonuses include a bulk of points, miles, or cashback if you spend a certain amount within the first one to three months. Additionally, you may find cards offering 0% APR introductory periods.

What benefits does it include?

Credit cards often offer benefits, including auto rental collision coverage, fraud liability, travel accident insurance, emergency roadside assistance, price protection, extended warranty protection, and more. These perks can help you save money and get help while on the road. Check the benefits offered by a card and consider them when making your decision.

How high is the credit line?

Check the card's credit line to ensure that it will not be too high or too low for your business. Compare credit lines from different issuers to find the one that suits your needs.

Does the credit card help your business and personal credit?

Find out whether the business credit card will affect your business’s credit and your personal credit. Will it appear on both credit reports? If so, it’s an opportunity to impact both your credit profiles. On the other hand, if you want it to reflect only on one or the other, you can select for that instead.

Business credit card offers, rates, and conditions vary greatly from one to the next. To find the best fit for you, you need to shop around with an eye on these factors. Compare business credit card offerings to find the card that offers the best balance of cost, features, rewards, and benefits.

Business credit card FAQs

Next, let’s learn the answers to common questions about business credit cards.

What is the best credit card for a small business?

The best card depends on your business and needs. Browse a few options and answer the questions above to find the best fit for you.

Can you get a business credit card with bad credit?

It is possible to get a business credit card with bad credit, but it won’t be as easy as if you had fair or good credit. You may have to answer more questions about your personal and business finances to prove your creditworthiness. Further, you may need to find a more creditworthy cosigner.

What is the easiest business credit card to get?

It will be easier to get approved for a business credit card from issuers with more lenient approval criteria. Look at each card’s acceptable credit score ranges to find those that accept the lowest credit scores.

What qualifies you for a business credit card?

To apply for a business credit card, you usually need to provide your:

  • Business type.
  • Business information.
  • Annual business revenue.
  • Tax ID number (if applicable).
  • Social security number.
  • Personal income.
  • Personal expenses.
To qualify, your total financial picture - including both your professional and personal information - must convince the credit issuer that you can and will repay what you borrow. The exact qualification process varies from one card issuer to the next.

How does the APR work on a business credit card?

The annual percentage rate expresses how much you must pay per year to borrow money. The lower your rate, the less you will pay. For example, if you get a 19% APR and keep a balance of $1,000 all year, you will pay about $190 in interest over the year. If you have 25% APR, you will pay $250. The higher your balance, the more impactful the difference will be.

Your monthly payment due date is typically 20 to 25 days after the close of a billing cycle. If you pay your balance in full by the due date each month, you won’t hav to pay any interest. However, if you still have a balance after your payment due date, you'll have to pay interest on that balance based on your assigned APR. Note that credit card issuers generally begin charging interest on cash advances immediately.

How do I find the best credit card for my business?

Now you know everything you need to find the best credit card for your business. Not only can a business credit card supplement your company’s cash flow, but it can also offer rewards and benefits that provide your business with added value.

Ready for an easy way to compare offers? Check out our collection of leading business credit cards below to save time on your research.

Compare Business Credit Cards

Does your business need access to a credit line? Whether you're looking to increase your company’s purchasing power, cover cashflow gaps, build business credit, or gain access to perks and rewards, a business credit card can help.

But what is a business credit card? When is it useful? And how can you find the right business credit card for your needs? Read on to learn everything you need to know about shopping for the perfect business credit card.

What is a business credit card?

A business credit card is a credit card intended for use by a business for professional expenses. They are available for many types and sizes of businesses, from sole proprietors to large corporations.

How do business credit cards work?

Business credit cards work much like personal credit cards. You gain access to a revolving credit line, make minimum monthly payments, and pay interest on balances that carry over past a billing cycle. However, they also offer rewards and features which specifically benefit businesses. Additionally, they can help your business to build credit.

With hundreds of business credit cards to choose from, here’s what you need to know to find the best card for your company.

How should I compare business credit cards?

What should you consider when comparing business credit cards? When choosing between different business credit cards, ask yourself the following questions:

How much is the annual fee?

An annual fee is an amount you have to pay each year to use your credit card. The cost ranges from $0 up to about $450. In most cases, it’s best to go for a card with a low or nonexistent fee. But if you do choose a business credit card with an annual fee, make sure that its benefits justify the cost. Plus, watch out for cards that waive the annual fee for the first year -- don't commit unless you're sure you can afford the fee in the coming years.

What other fees come with business credit cards?

The annual fee isn’t the only charge you'll face with a business credit card. Read the fine print on your credit card to learn about all the fees it will charge. If you don't, you might be blindsided by the figures on your next billing statement.

Credit card fees can include:

  • Late payment fees. A fee for paying your monthly payment late. These often land cost $35 to $40.
  • Foreign transaction fees: You incur this fee by using your card outside of the U.S. or with foreign merchants. It typically costs 1% to 3% of the purchase amount.
  • Balance transfer fees. The cost to transfer a balance from another card to your business credit card. Not all card issuers charge this fee, but when they do, it usually costs 3-5% of the transfer amount.
  • Cash advance fees. The cost to withdraw cash from your credit line. A standard cash advance fee is $10 or 3% of the cash advance amount.

Be sure to read the credit card's terms and conditions to verify its fee types and amounts. You’ll want a card with a competitive fee schedule.

How much are the APRs on the card?

Credit card companies often have separate annual percentage rates (APRs) for purchases, cash advances, and balance transfers. Additionally, some charge a penalty rate if you are more than 60 days late on your payment. Check all of the APR offerings of various cards to find the lowest rates.

Prioritize the APR types that suit your intended use of your business credit card. For example, if you intend to use the card primarily for purchases, look for a card with a low purchase APR. And if you know that you won't be taking out any cash advances, you can overlook a card's high cash advance APR.

What credit score is required to get the credit card?

Many business credit cards require a personal guarantor, an individual who will pay the card's balance if the business can’t. To qualify as a personal guarantor, you'll have to have to meet certain minimum credit score requirements. Check the credit card issuer’s eligibility requirements to find out if you qualify.

Does the business credit card offer valuable rewards?

Credit card companies offer rewards to entice businesses to choose their cards. These rewards come in many types. Check out the rewards programs of your prospective business credit cards, and take note of the value they will provide you. You’ll want to ask yourself if the rewards make sense for your business.

Seek out a business credit card whose rewards suit your business' spending behavior. For example, if you fly often for business trips, a miles reward program could be a great fit. If you never fly, earning points or cashback might be a smarter choice.

Common reward programs include:

  • Miles: Earn miles when you make purchases and redeem them for airline tickets.
  • Points: Earn points that you can redeem for gift cards, merchandise, travel, or cashback.
  • Cashback: Earn a percentage of each purchase back as cash.

By finding a rewards program that works with your business’ spending habits, you can maximize your card’s return on investment.

Does the card have an introductory promotion?

Many business credit cards offer an introductory promotion. Check to see if any of your prospective cards are offering a kickback and, if so, calculate its value. Common signup bonuses include a bulk of points, miles, or cashback if you spend a certain amount within the first one to three months. Additionally, you may find cards offering 0% APR introductory periods.

What benefits does it include?

Credit cards often offer benefits, including auto rental collision coverage, fraud liability, travel accident insurance, emergency roadside assistance, price protection, extended warranty protection, and more. These perks can help you save money and get help while on the road. Check the benefits offered by a card and consider them when making your decision.

How high is the credit line?

Check the card's credit line to ensure that it will not be too high or too low for your business. Compare credit lines from different issuers to find the one that suits your needs.

Does the credit card help your business and personal credit?

Find out whether the business credit card will affect your business’s credit and your personal credit. Will it appear on both credit reports? If so, it’s an opportunity to impact both your credit profiles. On the other hand, if you want it to reflect only on one or the other, you can select for that instead.

Business credit card offers, rates, and conditions vary greatly from one to the next. To find the best fit for you, you need to shop around with an eye on these factors. Compare business credit card offerings to find the card that offers the best balance of cost, features, rewards, and benefits.

Business credit card FAQs

Next, let’s learn the answers to common questions about business credit cards.

What is the best credit card for a small business?

The best card depends on your business and needs. Browse a few options and answer the questions above to find the best fit for you.

Can you get a business credit card with bad credit?

It is possible to get a business credit card with bad credit, but it won’t be as easy as if you had fair or good credit. You may have to answer more questions about your personal and business finances to prove your creditworthiness. Further, you may need to find a more creditworthy cosigner.

What is the easiest business credit card to get?

It will be easier to get approved for a business credit card from issuers with more lenient approval criteria. Look at each card’s acceptable credit score ranges to find those that accept the lowest credit scores.

What qualifies you for a business credit card?

To apply for a business credit card, you usually need to provide your:

  • Business type.
  • Business information.
  • Annual business revenue.
  • Tax ID number (if applicable).
  • Social security number.
  • Personal income.
  • Personal expenses.
To qualify, your total financial picture - including both your professional and personal information - must convince the credit issuer that you can and will repay what you borrow. The exact qualification process varies from one card issuer to the next.

How does the APR work on a business credit card?

The annual percentage rate expresses how much you must pay per year to borrow money. The lower your rate, the less you will pay. For example, if you get a 19% APR and keep a balance of $1,000 all year, you will pay about $190 in interest over the year. If you have 25% APR, you will pay $250. The higher your balance, the more impactful the difference will be.

Your monthly payment due date is typically 20 to 25 days after the close of a billing cycle. If you pay your balance in full by the due date each month, you won’t hav to pay any interest. However, if you still have a balance after your payment due date, you'll have to pay interest on that balance based on your assigned APR. Note that credit card issuers generally begin charging interest on cash advances immediately.

How do I find the best credit card for my business?

Now you know everything you need to find the best credit card for your business. Not only can a business credit card supplement your company’s cash flow, but it can also offer rewards and benefits that provide your business with added value.

Ready for an easy way to compare offers? Check out our collection of leading business credit cards below to save time on your research.

Loading results...

Product

Reviews

Purchase APR

Balance Transfer APR

Credit Score Range

Annual Fee

Additional Details

Product Website

Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 18.74% Variable APR
Balance Transfer APR 18.74% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee $95 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • No Blackout Dates
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • No Blackout Dates
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 18.74% Variable APR
Balance Transfer APR 18.74% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee $95 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Ink Business Preferred
Purchase APR 18.24% - 23.24%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 17.99% - 22.99%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee $95 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Foreign Transaction Fee
Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 14.74% - 22.74%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 14.74% - 22.74%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee $0 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Chase Ink Business Cash

Chase Ink Business Cash

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 15.49% - 21.49%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 15.24% - 21.24%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee $0 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
Corporate Gold Card

Corporate Gold Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR N/A Purchase APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
Annual Fee $125 Annual Fee
  • Emergency Support
  • Lost Luggage Insurance
  • Travel Insurance
Show Additional Details
  • Emergency Support
  • Lost Luggage Insurance
  • Travel Insurance
Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Rating not yet determined

1 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Starting Purchase APR 17.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 700 - 850     500 850
Annual Fee $0 Annual Fee
  • Fraud Liability
  • No Annual Fee
  • No Foreign Transaction Fee
Show Additional Details
  • Fraud Liability
  • No Annual Fee
  • No Foreign Transaction Fee
Blue Business Plus Card from American Express

Blue Business Plus Card from American Express

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 14.99% - 20.99%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 12.99% - 20.99%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 700 - 850     500 850
Annual Fee N/A Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee
US Bank Business Select Rewards

US Bank Business Select Rewards

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR 14.24% - 25.24%
(Variable APR)
    0% 28% Variable APR
Balance Transfer APR 14.24% - 25.24%
(Variable APR)
    10% 27% Variable APR
Credit Score Range 740 - 850     500 850
Annual Fee $0 Annual Fee
  • Fraud Liability
  • No Annual Fee
Show Additional Details
  • Fraud Liability
  • No Annual Fee
Spark Classic for Business From Capital One

Spark Classic for Business From Capital One

 
7
 
9 total votes
Purchase APR 24.74% Variable APR
Balance Transfer APR 24.74% Variable APR
Credit Score Range 600 - 750     500 850
Annual Fee $0 Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee