Best Credit Card Offers for Small Businesses

Make your business more effective with a business credit card! Business credit card can help you save on business expenses and earn perks that include: zero annual fees, and 0% APR on purchases. Some of these cards are ideal for entrepreneurs with good-to-excellent credit, as well as for those with fair credit. If your business already uses a credit card, you´ll be glad to know that some special offers include 0% interest for up to 21 month, on balance transfer of existing debt to a new business credit card.

Best Business Credit Cards

Best for Your Business
0% APR for 6 Months
Fair/Average Credit
Intro APR on Bal. Transf. n/a
Intro APR on Purchases 0% (Until August 2012)
Regular APR 14.9% - 19.9% (V)
Annual Fee $0
50% Bonus Cash Back
  • Get a 50% bonus on the cash back you earn every year.
  • Earn 1% cash back on every purchase, every day.
  • Save with 0% intro APR on purchases until August 2012.
Consumer Rating: 4 / 5

Other Business Credit Cards

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Credit History
Intro APR Purch.
(Intro Period)
Intro APR Bal.Tr.
(Intro Period)
Annual Fee
Apply
Excellent 0%
(Until
August
2012)
n/a $0
Consumer Rating: 4 / 5
  • Get a 50% bonus on the miles you earn every year.
  • Earn 1 mile per dollar on every purchase, every day.
  • Save with 0% intro APR until August 2012.
Excellent / Good 0%
(6 months)
n/a $026
Consumer Rating: 4 / 5
  • Designed for businesses with an established credit history.
  • $100 gift card - when you redeem the 10,000 bonus ThankYou® points received after $300 in purchases within 3 months of account opening.
  • No annual fee.26
Excellent n/a n/a $0 intro for first year;
$59 after that
Consumer Rating: 4 / 5
  • Earn 2% cash back on every purchase, every day.
  • Get a $100 cash bonus - just spend $1,000 within the first 3 months.
  • Receive a $50 cash bonus by signing up for one or more employee cards.
Excellent / Good 0%
Up to
(12 months)
n/a $0
Consumer Rating: 2 / 5
  • Get 5% cash back on wireless services and office supply purchases.37
  • Get 3% cash back on automobile gasoline.37
  • Get 1% cash back on other purchases.37
Excellent n/a n/a $0 intro for first year;
$59 after that
Consumer Rating: 4 / 5
  • Earn 2 miles per dollar on every purchase, every day.
  • Get 10,000 bonus miles - just spend $1,000 within the first 3 months.
  • Receive 5,000 bonus miles by signing up for one or more employee cards.
Average n/a n/a $0
Consumer Rating: 4 / 5
  • Enjoy no annual fee.
  • Build business credit with eligibility for an automatic credit line increase.
  • Earn 1% cash back on every purchase, every day.
Excellent / Good n/a n/a $03
Consumer Rating: 2 / 5
  • Earn points even faster to get more rewards for your business.
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else.
  • One million rewards from over 500 brands.

Estimate your possible
credit limit

Brief results:

Your estimated credit limit is $1,000.

Business Credit Cards

Many business owners believe that a company credit card will encourage frivolous spending or that they will not be eligible for a credit card because of the small size of their organization or lack of annual revenue. The truth is having a business credit card is an excellent way to monitor your company spending and rake in the rewards for recurring purchases like travel and hotels. Here are some tips to ensure a smooth application process and getting the best offer for your business.

  • Accounting advantage. Whether your business is big, mid-sized or a sole proprietorship, a company credit card can simplify your bookkeeping.
  • Money to save. There are numerous incentives for good credit card holders who invest in a business credit card including the best rates, fees, and rewards.

  • Fair Credit can get it too. Fair credit consumers applying for a business credit card may have to opt for a secured credit which requires deposit.
  • Small Businesses advantage. Are you a sole proprietor but think you will be denied a business credit card because your staff is too small? Truth be told, 75% of business owners are small business owners, with no employees! The trouble is that many small business owners do not have a company credit card and instead use personal credit cards for business related expenses. Credit card companies and banks are aware of the prevalence of sole proprietors, so they have credit cards that cater to the unique needs of these businesses.


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3 $0 introductory annual fee for the first year, then $175.
26 See the Citi card terms and conditions online.
37 See the American Express card terms and conditions online.

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