SuperMoney 

Compare Business Credit Cards

Many small businesses obtain initial funding from tapping the personal resources of their founders, which includes personal credit cards. However, as companies and services become more established, separating personal from business expenses becomes more desirable, even essential. One of the fundamental means of establishing separate business finances is to get a business credit card. If you're looking for a new business credit card, check out our SuperMoney's list of the best business credit cards of 2016.

Types of Business Credit Cards

Ironically, business credit card issuers often rely on applicants’ personal credit profiles as part of their underwriting process for issuing unsecured business cards. Others require applicants to provide a personal guarantee against default, largely negating the advantage, if not the purpose of business credit cards.  Such reliance on personal credit and guarantees also places business owners with less than perfect credit at a distinct disadvantage. However, secured business credit cards and some merchant-specific credit cards allow business owners and entrepreneurs with less than sterling personal credit to begin to establish separate business credit.

  • Unsecured, No Personal Guarantee
  • Unsecured, Personal Guarantee Required
  • Merchant-Specific Business Credit Cards
  • Secured  Business Credit Cards

Business Credit Card Features and Perks

Business credit cards typically offer more limited perks than consumer credit cards, although that has begun to change somewhat in the last several years. Common perks associated with business credit cards include low interest rates, discounts on office supplies, gas and travel. Some business credit cards offer cash back rewards. As with consumer credit cards, the best deals are often available only to customers with good or excellent personal credit.   On the other hand, the majority of business credit cards charge annual fees. Cash advances are rarely an option with business credit cards. Ironically, foreign transaction fees are also a common feature of business credit cards, even those that tout themselves as travel-oriented cards.

  • Cash Back
  • Discounts on Office Supplies
  • Gas/Fuel Discounts and Extra Points
  • Travel Discounts, Perks or Points

Business Credit Reporting Bureaus

Like consumer credit reporting agencies, business credit reporting bureaus vary in their evaluation of businesses. Some establish FICO-like credit scores; others do not. With some business credit reporting agencies, like D&B, business information is largely self-reported. Others, like Equifax Small Business Enterprise, do not allow businesses to submit their own information.  As a result, many small business owners, especially new businesses, will find that establishing business credit files is difficult and takes time.  Instead, business credit reports become essential to established businesses that wish to expand their operations, obtain equipment or inventory, or establish separate credit, including business credit cards, with no personal guarantee required.

Just as there are three major consumer credit reporting agencies, there are three major business reporting agencies: Dun and Bradstreet (D&B), Equifax Small Business Enterprise and Experian Small Business Reports. Other business credit reporting bureaus of particular interest to small business owners include Credit.net and ClientChecker.

  • D&B
  • Equifax Small Business Enterprise
  • Experian Small Business Reports
  • Credit.net
  • Accurint Business
  • ClientChecker
  • Paynet

Alternatives to Business Credit Cards

Business credit cards help to establish business credit directly, of course.  However, making purchases with business debit cards can allow small business owners to establish trade relationships and leverage lines of credit with proprietors that report to business credit bureaus.  Many merchants such as office supply stores issue business lines of credit or proprietary credit cards to small business customers. Many banks issue business debit cards and credit cards to their customers as well.

Businesses that accept credit card payments or that issue invoices can often obtain credit through companies that base their underwriting largely or solely on accounts receivable.  On the other hand, prepaid business credit cards do not help establish business credit, although they do provide a level of convenience, and are useful if no other options are available.

  • Business Debit Cards
  • Merchant Trade Lines or Lines of Credit
  • Merchant-Specific Business Credit Cards
  • Prepaid Business Credit Cards

Compare Business Credit Cards

Many small businesses obtain initial funding from tapping the personal resources of their founders, which includes personal credit cards. However, as companies and services become more established, separating personal from business expenses becomes more desirable, even essential. One of the fundamental means of establishing separate business finances is to get a business credit card. If you're looking for a new business credit card, check out our SuperMoney's list of the best business credit cards of 2016.

Types of Business Credit Cards

Ironically, business credit card issuers often rely on applicants’ personal credit profiles as part of their underwriting process for issuing unsecured business cards. Others require applicants to provide a personal guarantee against default, largely negating the advantage, if not the purpose of business credit cards.  Such reliance on personal credit and guarantees also places business owners with less than perfect credit at a distinct disadvantage. However, secured business credit cards and some merchant-specific credit cards allow business owners and entrepreneurs with less than sterling personal credit to begin to establish separate business credit.

  • Unsecured, No Personal Guarantee
  • Unsecured, Personal Guarantee Required
  • Merchant-Specific Business Credit Cards
  • Secured  Business Credit Cards

Business Credit Card Features and Perks

Business credit cards typically offer more limited perks than consumer credit cards, although that has begun to change somewhat in the last several years. Common perks associated with business credit cards include low interest rates, discounts on office supplies, gas and travel. Some business credit cards offer cash back rewards. As with consumer credit cards, the best deals are often available only to customers with good or excellent personal credit.   On the other hand, the majority of business credit cards charge annual fees. Cash advances are rarely an option with business credit cards. Ironically, foreign transaction fees are also a common feature of business credit cards, even those that tout themselves as travel-oriented cards.

  • Cash Back
  • Discounts on Office Supplies
  • Gas/Fuel Discounts and Extra Points
  • Travel Discounts, Perks or Points

Business Credit Reporting Bureaus

Like consumer credit reporting agencies, business credit reporting bureaus vary in their evaluation of businesses. Some establish FICO-like credit scores; others do not. With some business credit reporting agencies, like D&B, business information is largely self-reported. Others, like Equifax Small Business Enterprise, do not allow businesses to submit their own information.  As a result, many small business owners, especially new businesses, will find that establishing business credit files is difficult and takes time.  Instead, business credit reports become essential to established businesses that wish to expand their operations, obtain equipment or inventory, or establish separate credit, including business credit cards, with no personal guarantee required.

Just as there are three major consumer credit reporting agencies, there are three major business reporting agencies: Dun and Bradstreet (D&B), Equifax Small Business Enterprise and Experian Small Business Reports. Other business credit reporting bureaus of particular interest to small business owners include Credit.net and ClientChecker.

  • D&B
  • Equifax Small Business Enterprise
  • Experian Small Business Reports
  • Credit.net
  • Accurint Business
  • ClientChecker
  • Paynet

Alternatives to Business Credit Cards

Business credit cards help to establish business credit directly, of course.  However, making purchases with business debit cards can allow small business owners to establish trade relationships and leverage lines of credit with proprietors that report to business credit bureaus.  Many merchants such as office supply stores issue business lines of credit or proprietary credit cards to small business customers. Many banks issue business debit cards and credit cards to their customers as well.

Businesses that accept credit card payments or that issue invoices can often obtain credit through companies that base their underwriting largely or solely on accounts receivable.  On the other hand, prepaid business credit cards do not help establish business credit, although they do provide a level of convenience, and are useful if no other options are available.

  • Business Debit Cards
  • Merchant Trade Lines or Lines of Credit
  • Merchant-Specific Business Credit Cards
  • Prepaid Business Credit Cards

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Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

Additional Details

Product Website

Spark Classic for Business From Capital One

Spark Classic for Business From Capital One

 
7
 
9 total votes
Annual Fee $0 Annual Fee
Starting Purchase APR 24.49% Starting Variable APR
Starting Balance Transfer APR 23.99% Starting Variable APR
Credit Score Range 600 - 750     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee
Blue Business Plus Card

Blue Business Plus Card

1
1
 
2 total votes
Annual Fee $175 Annual Fee
Purchase APR 12.99% - 20.99%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 12.99% - 20.99%
(Variable APR)
    12% 25% Variable APR
Credit Score Range 700 - 850     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee First Year
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
US Bank Business Edge Select Rewards

US Bank Business Edge Select Rewards

1
1
 
2 total votes
Annual Fee $0 Annual Fee
Purchase APR 13.74% - 24.74%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 13.74% - 24.74%
(Variable APR)
    12% 25% Variable APR
Credit Score Range N/A Credit Score Range
  • Fraud Liability
  • No Annual Fee
Show Additional Details
  • Fraud Liability
  • No Annual Fee
Spark Miles From Capital One

Spark Miles From Capital One

1
 
 
1 total votes
Annual Fee $95 Annual Fee
Starting Purchase APR 18.49% Starting Variable APR
Starting Balance Transfer APR 18.49% Starting Variable APR
Credit Score Range 700 - 850     300 850
  • 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
The Business Platinum Card from American Express

The Business Platinum Card from American Express

1
 
1
2 total votes
Annual Fee $450 Annual Fee
Purchase APR 19.99% - 29.99%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 680 - 850     300 850
  • Car Rental Insurance
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Foreign Transaction Fee
SimplyCash Plus Business Credit Card

SimplyCash Plus Business Credit Card

 
2
 
2 total votes
Annual Fee $0 Annual Fee
Purchase APR 13.99% - 20.99%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 680 - 850     300 850
  • 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
SimplyCash Business Card from American Express®

SimplyCash Business Card from American Express®

 
1
 
1 total votes
Annual Fee $0 Annual Fee
Starting Purchase APR 12.49% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range N/A Credit Score Range
  • Car Rental Insurance
  • Extended Warranty
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Extended Warranty
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee
Spark Cash for Business From Capital One

Spark Cash for Business From Capital One

 
1
 
1 total votes
Annual Fee $95 Annual Fee
Starting Purchase APR 18.49% Starting Variable APR
Starting Balance Transfer APR 18.49% Starting Variable APR
Credit Score Range 700 - 850     300 850
  • 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
Spark Miles Select From Capital One

Spark Miles Select From Capital One

 
1
 
1 total votes
Annual Fee $0 Annual Fee
Purchase APR 14.49% - 22.49%
(Variable APR)
    12% 30% Variable APR
Balance Transfer APR 14.49% - 22.49%
(Variable APR)
    12% 25% Variable APR
Credit Score Range 700 - 850     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • No Annual Fee
  • 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
  • No Foreign Transaction Fee
The Business Gold Rewards Card

The Business Gold Rewards Card

 
1
 
1 total votes
Annual Fee $175 Annual Fee
Starting Purchase APR 19.99% Starting Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 680 - 850     300 850
  • 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