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 November 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 November 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 n/a n/a $0 intro for first year;
$59 after that
Consumer Rating: 2 / 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.
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 0%
(6 months)
n/a $026
Consumer Rating: 2 / 5
  • Designed for businesses with an established credit history.
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership - enough for $150 in gift cards.
  • No annual fee.26
Fair / Poor n/a n/a see site
Consumer Rating: 2 / 5
  • Less than Perfect Credit? No Problem! Easy Approval!!
  • Sole Proprietors and Entrepreneurs Welcome - No Business Too Small!
  • Perfect for Your Everyday Business Needs.
Excellent / Good n/a n/a $95, waived for the first 12 months
Consumer Rating: 2 / 5
  • Designed for businesses with an established credit history.
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership.26
  • First eligible checked bag free for you and up to 4 traveling companions.26
Excellent / Good 0%
(6, 9, or
12 months)
n/a $0
Consumer Rating: 3 / 5
  • Get 5% cash back on wireless services and office supply purchases.
  • Get 3% cash back on automobile gasoline.
  • Get 1% cash back on other purchases.
Excellent / Good 0%
(12 months)8
0%
(12 months)8
$0
Consumer Rating: 2 / 5
  • Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
Excellent / Good 0%
(12 months)8
0%
(12 months)8
$0
Consumer Rating: 2 / 5
  • Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
  • 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services.
  • 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel.

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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