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
for Excellent Credit
for Fair/Average Credit
Intro APR on Bal. Transf. n/a
Intro APR on Purchases n/a
Regular APR n/a
Annual Fee $450
Limited Time Offer: Get 25,000 Membership Rewards® Points
  • Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership.
  • Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline.
  • 20% Travel Bonus when using Membership Rewards® Pay with Points.
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%
(15 billing
cycles)
0%
(15 billing
cycles)
$0 with one purchase per year15
Consumer Rating: 5 / 5
  • 0% Intro APR15 for 15 billing cycles on purchases and balance transfers.
  • Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases.
  • 25% annual bonus of your prior year´s cash rewards up to $250.
Excellent 0%
(until
November
2013)
n/a $0
Consumer Rating: 5 / 5
  • 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 all purchases until November 2013.
Excellent 0%
(12 billing
cycles)
0%
(12 billing
cycles)
$0 with $24,000 in purchases per year15
Consumer Rating: 5 / 5
  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days.
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card.
Average n/a n/a $0
Consumer Rating: 5 / 5
  • Enjoy no annual fee.
  • Build business credit with responsible use with eligibility for an automatic credit line increase.
  • Earn 1% cash back on every purchase, every day.
Excellent / Good n/a n/a $0 introductory annual fee for the first year, then $95
Consumer Rating: 4 / 5
  • Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership.
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight.
  • 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases.
Excellent / Good 0%
(6 months)
n/a n/a
Consumer Rating: 4 / 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.
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable.

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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