Credit Card Offers for Small Businesses 2019

Make your business more effective with a business credit card! Business credit card can help you save on business expenses and get perks that include: zero annual fee, and 0% intro APR on purchases. Some of these cards are ideal for entrepreneurs with good-to-excellent credit, as well as for those with fair credit.

December 2019: TOP SMALL BUSINESS CREDIT CARD

5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfers
N/A
Ongoing APR
14.74% - 22.74% (Variable)
Annual Fee
$0
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card

More Small Business Credit Cards

Discover it® Business Card Application
Compare
on Discover's secure website
5
Card Overall Rating
Excellent/Good Credit
  • INTRO OFFER: Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™.
  • Earn 1.5% cash back on every dollar spent on all purchases.
  • Redeem your cash back for any amount, any time. Your rewards never expire.
  • Track business expenses. Download transactions easily into Quicken, QuickBooks, and Excel.
  • Add up to 50 free employee cards.
  • No annual fee.
  • 100% U.S. based customer service. Talk to a real person at any time, day or night.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Intro APR on Purchases
0% (12 Months)
Intro APR on Balance Transfers
N/A
Ongoing APR
14.49% to 22.49% Variable
Annual Fee
$0
Capital One® Spark® Miles for Business Application
Compare
on Capital One's secure website
4
Card Overall Rating
Excellent, Good Credit
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Capital One® Spark® Cash for Business Application
Compare
on Capital One's secure website
4
Card Overall Rating
Excellent, Good Credit
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Capital One® Spark® Cash Select for Business Application
Compare
on Capital One's secure website
5
Card Overall Rating
Excellent, Good Credit
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees
Intro APR on Purchases
0% on purchases for 9 months
Intro APR on Balance Transfers
N/A
Ongoing APR
14.74% - 22.74% (Variable)
Annual Fee
$0
Capital One® Spark® Classic for Business Application
Compare
on Capital One's secure website
5
Card Overall Rating
Average, Fair, Limited Credit
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.74% (Variable)
Annual Fee
$0

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 offer that meets your business needs.

  • 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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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
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When you submit an application for a small business credit card, issuing bank reviews both your personal and business credit histories. To determine if they want to approve you for a credit card and what terms to qualify you for, they will pull both...
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