Credit Card Offers for Small Businesses 2018

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.

August 2018: TOP SMALL BUSINESS CREDIT CARD

5
Card Overall Rating
Excellent, Good Credit
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
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy

More Small Business Credit Cards

5
Card Overall Rating
Excellent, Good Credit
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
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
5
Card Overall Rating
Excellent, Good Credit
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
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
5
Card Overall Rating
Excellent, Good Credit
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 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
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
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
4
Card Overall Rating
Average, Fair, Limited Credit
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.74% (Variable)
Annual Fee
$0
3
Card Overall Rating
Excellent / Good Credit
  • Save on interest with 0% Intro APR on Purchases for up to 9 months; a variable go-to APR applies after that.
  • Enjoy no annual fee.
  • Earn up to 2% cash back or up to 2 miles on purchases.
Intro APR on Purchases
0% (up to 9 months)
Intro APR on Balance Transfers
n/a
Ongoing APR
Annual Fee
$0
5
Loan Overall Rating
Any Credit
  • Small business funding with working capital lines from $2,000-$250,000 in minutes
  • Direct deposit into a bank or PayPal account
  • Friendly, dedicated service support representatives
  • Straightforward solutions for obtaining working capital with no hidden costs
  • Automated approval: No Forms, No lengthy Forms
  • Online application with an answer in minutes
  • Free to sign up. Free to have the security of a working capital line of credit behind your business
  • No fees or charge until you take cash
Checking Account Required
Yes
Maximum Loan Amount
$250,000
Minimum Loan Amount
$2,000
Employment Required
Yes

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
Business credit cards are different from normal credit cards in that they have additional features and benefits that suit small businesses and in fact are helpful in quite a number of ways too. By using these business credit cards the right way,...
You can try applying for a personal loan to fund your business. Use our card match tool to see which loans and credit cards you can apply. Note that you may need a bank account to apply for some credit offers, so make sure you have one.
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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