www.fgks.org   »   [go: up one dir, main page]
Banrkate.com
advertisement
Find A Card
Credit Cards»Business Credit Cards

Business Credit Cards

What are business credit cards?

Are you shopping for a card that can give your company a helping hand? Small business credit cards from our partners can provide your operation with extra buying power and the ability to track your expenses. These cards typically offer rewards for everyday purchases, allowing you to save money on required expenditures. Compare the best business credit cards to find the one that will fit your company's financial needs.

Who should get one?

These cards are typically designed for and offered to those with excellent credit. If your credit is spotty, you may not qualify.

Business cards are ideal for the small business owner or entrepreneur that would benefit from additional purchasing power and expense tracking. With a business credit card, you earn rewards for daily operational purchases, keeping more cash in the expense account. Some cards offer low APRs, making them useful for the business owner who needs to carry a balance.

Show More

What are some pros and cons?

Business credit cards generally offer rewards on purchases made at business-related merchants, like office supply stores and restaurants. Many also offer quarterly and year-end summaries to track expenditures. By putting all of your business expenses on one card, you'll optimize accounting and save money. But you may be personally liable for any unpaid debt on the card in some cases, which can affect your personal credit score.

Tips on business credit cards

Careful -- some credit card companies will check your personal credit history when you apply for a business card. It's important to ask the credit card company if they'll be reviewing your personal history. Your personal credit could be impacted by any debt on the business card.

It's also crucial to find a card that offers perks tailored to your frequent business expenses such as travel rewards, gas rewards or cash-back.

Show More
Advertiser Disclosure
  • logo
    Bank of America® Cash Rewards for Business MasterCard® Card
    • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases
    • No Annual Fee and no limit to the cash back you can earn — reinvest in your business, reward your employees, and reward yourself
    • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account
    • 0% introductory APR on purchases for the first 9 billing cycles
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 billing cycles
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    As low as 11.24% variable APR
    $0
    Excellent Credit
  • logo
    Ink Cash® Business Credit Card
    • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
    • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
    • 0% introductory APR for 12 months on purchases and balance transfers
    • Free employee cards
    • No Annual Fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    12 months
    Intro APR Period
    0%
    Intro APR
    12 months
    Intro APR Period
    13.24% Variable
    No Annual Fee
    Excellent Credit
  • logo
    Bank of America® WorldPoints® Travel Rewards for Business Visa® Card
    • Earn 1.5 WorldPoints rewards points for every $1 on all purchases and 5,000 bonus points after the first purchase on your account
    • No international transaction fee and no annual fee, and no limit to the points you can earn
    • Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center
    • Redeem points for gift cards, cash, and travel with no blackout dates
    • 0% introductory APR on purchases for your first 9 billing cycles
    • Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 billing cycles
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    As low as 11.24% variable APR
    $0
    Excellent Credit
  • logo
    The Enhanced Business Gold Rewards Card from American Express OPEN
    • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
    • New: Get 3x points - Choose 1 out of 5 categories
    • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
    • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients.
    • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
    • $0 introductory annual fee for the first year, then $175
    • Terms and limitations apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee for the first year, then $175
    Excellent Credit
  • logo
    Capital One® Spark® Miles Select for Business
    • Earn 1.5 miles per dollar on every purchase, every day
    • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
    • Miles don't expire, and there are no categories to limit where or what you buy
    • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% 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 and miles don't expire
    • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until December 2015
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.9% - 20.9% (Variable)
    $0
    Excellent/ Good
  • logo
    Capital One® Spark® Miles for Business
    • Earn 2 miles per dollar on every purchase, every day
    • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
    • Miles don't expire, and there are no categories to limit where or what you buy
    • $0 intro annual fee for the first year; $59 after that
    • There's no limit to the amount of miles you can earn and miles don't expire
    • Redeem miles for travel, cash back, gift cards, and more
    • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.9% - 20.9% (Variable)
    $0 intro for first year; $59 after that
    Excellent / Good
  • logo
    Capital One® Spark® Cash for Business
    • Earn 2% cash back on every purchase, every day
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
    • Cash rewards don't expire, and there are no categories to limit where or what you buy
    • $0 intro annual fee for the first year; $59 after that
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption
    • No foreign transaction fees
    • Earn unlimited cash rewards that don't expire
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.9% - 20.9% (Variable)
    $0 intro for first year; $59 after that
    Excellent / Good
  • logo
    Capital One® Spark® Select for Business
    • Save on interest with our lowest intro APR on all purchases until March 2016; 10.9% - 18.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Build business credit with responsible use
    • Earn 1 mile per dollar on all purchases, and there's no limit to the amount of miles you can earn
    • Miles don't expire and can be redeemed for travel, cash back, gift cards and more
    • Fraud coverage if your card is ever lost or stolen
    • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until March 2016
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.9% - 18.9% (Variable)
    $0
    Excellent / Good
  • logo
    The Blue for Business® Credit Card from American Express
    • Earn a 30% annual Relationship Bonus — without an annual membership fee
    • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership — valued at up to $100 in gift cards at select merchants
    • No annual fee for each additional Employee Blue for Business® Credit Card
    • Get a low introductory APR on purchases for 9 months
    • Use points to reinvest in your business and reward your employees and clients
    • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
    • Terms & Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 months
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.24%-19.24% (Variable)
    $0
    Excellent Credit
  • logo
    SimplyCash® Business Card from American Express
    • Limited Time Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
    • To be eligible for this offer, your application must be received by September 21, 2015
    • With no annual membership fee, it's a smart choice for your business
    • 5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers
    • 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases
    • 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement
    • Terms and limitations apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 months
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.24% - 19.24% Variable
    $0
    Excellent Credit
  • logo
    The Business Platinum Card® from American Express OPEN
    • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
    • A Premium Card with access to over 40 benefits to help power your business
    • Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more
    • Complimentary access to over 700 airport lounges worldwide
    • Enjoy complimentary, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide
    • Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
    • Purchasing power that can adjust as your business evolves
    • Terms & Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $450
    Excellent Credit
  • logo
    Starwood Preferred Guest® Business Credit Card from American Express
    • Starpoints® bonus: Earn up to 25,000 bonus points
    • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
    • Earn free nights at over 1,200 hotels and resorts in nearly 100 countries. Some hotels and resorts have mandatory service charges
    • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
    • Earn 1 Starpoint® for each dollar of all other eligible purchases
    • $0 introductory annual fee for the first year, then $65
    • Terms and limitations apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    None
    Intro APR
    None
    Intro APR Period
    None
    Intro APR
    None
    Intro APR Period
    15.24% - 19.24% Variable
    $0 introductory annual fee for the first year, then $65
    Excellent Credit
  • logo
    U.S. Bank Business Edge™ Platinum
    • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
    • No annual fee*
    • Free employee cards
    • Zero fraud liability* protects you against unauthorized transactions
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    12 billing cycles on purchases*
    Intro APR Period
    0%
    Intro APR
    12 billing cycles on balance transfers*
    Intro APR Period
    9.99% - 17.99%* (Variable)
    $0 with one purchase per year*
    Excellent Credit
  • logo
    Capital One® Spark® Cash Select for Business
    • Earn 1.5% cash back on every purchase, every day
    • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
    • Save on interest with 0% intro APR on purchases until December 2015; 12.9%-20.9% variable APR after that
    • Pay no annual fee or foreign transaction fees
    • Get online Quarterly and Year-End Summaries
    • Redeem cash rewards anytime, for any amount, even set up automatic redemption
    • Earn unlimited cash rewards that don't expire
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until December 2015
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    12.9% - 20.9% (Variable)
    $0
    Excellent / Good
  • logo
    Gold Delta SkyMiles® Business Credit Card from American Express
    • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
    • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
    • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
    • Pay no foreign transaction fees when you spend overseas.
    • The annual fee will be $0 for your first year of Card Membership with an introductory offer, then $95.
    • Terms and limitations apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.24% - 19.24% Variable
    $0 introductory annual fee for the first year, then $95
    Excellent Credit
  • logo
    U.S. Bank Business Edge™ Cash Rewards Card
    • 3% cash back on all cellular, gas and office supply store net purchases
    • 1% cash back on all other net purchases
    • No cap on rewards and they never expire!
    • Plus, a 25% Annual Cash Rewards bonus, up to $250
    • No annual fee*
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    9 billing cycles*
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.99% - 17.99%* (Variable)
    $0*
    Excellent Credit
  • logo
    The Plum Card® from American Express OPEN
    • Do Business on your terms: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
    • Limited Time Offer ends 8/24/2015. Earn up to 3.5% back on your first $30,000 in purchases on the Card within the first 3 months of Card Membership.
    • Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
    • The power to buy big with a spending limit that can grow with your business.
    • No Foreign Transaction Fees.
    • Pay no annual Membership fee for your first year. Then, pay $250 annually.
    • No annual fee for each additional Employee Plum Card.
    • Terms & Restrictions Apply.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee your first year, then $250
    Excellent Credit
  • logo
    CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®
    • Designed for businesses with an established credit history
    • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
    • First checked bag is free on domestic American Airlines and US Airways flights for you and up to four companions traveling with you on the same reservation*
    • Enjoy boarding privileges with Group 1 on American Airlines flights and Zone 2 on US Airways operated flights*
    • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® and US Airways purchases
    • Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.*
    • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines and US Airways flights*
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.24% (Variable)
    $95, waived for the first 12 months*
    Excellent Credit
  • logo
    U.S. Bank Business Edge™ Select Rewards
    • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
    • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
    • Earn 1 point per dollar on all other net purchases
    • Unlimited points with no caps
    • No annual fee*
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    9 billing cycles on purchases*
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.99% - 17.99%* (Variable)
    $0
    Excellent Credit
  • logo
    Ink Plus® Business Credit Card
    • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
    • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
    • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
    • No foreign transaction fees
    • Global acceptance with Chip Technology
    • Free employee cards
    • $0 intro annual fee for the first year, then $95
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.24% Variable
    $0 intro annual fee for the first year, then $95
    Excellent Credit
  • logo
    Capital One® Spark® Classic for Business
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    22.9% (Variable)
    $0
    Fair Credit
  • logo
    Business Green Rewards Card from American Express OPEN
    • Get 5,000 Membership Rewards® points after your first purchase on the Card
    • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
    • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
    • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
    • $0 introductory annual fee for the first year, then $95
    • Terms & Limitations Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $0 introductory annual fee for the first year, then $95
    Excellent Credit
  • logo
    Applied Bank® Visa® Business Credit Card
    • Turn Your Hobby or Interest into a Business
    • Bad Credit? No Problem! Easy Approval. Complete Your Application in Less Than 60 Seconds.
    • Separate Your Business Expenses for Tax Purposes
    • Perfect for Sole Proprietors and Entrepreneurs
    • No Security Deposit Required
    • Just Starting Your Business? Let Us Help You Grow!
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    23.99%
    See Terms*
    Fair / Bad Credit
  • logo
    U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card
    • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
    • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
    • Earn one FlexPoint for every $1 spent in net purchases
    • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
    • Earn Triple FlexPoints on qualifying charitable donations
    • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
    • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    11.99% - 17.99%* (Variable)
    $0 intro for the first year, then $55*
    Excellent Credit
  • logo
    D&B Business Credit File
    • Demonstrate your company's financial stability to creditors and suppliers
    • Gain access to all of your D&B® scores and ratings to ensure there are no surprises
    • Fix inaccuracies in your D&B report before they negatively impact your relationships
    • Document your company's payment history in your D&B® credit file.
    • This is not a credit card, nor a line of credit. CreditBuilder™ is a product that can help you manage your business credit file.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    $99 Monthly or $1099 Annually
    N/A
          Connect with us
advertisement
Credit Card Rates Averages
Product Rate Change Last week
Low Interest Credit Cards 11.62% 0.00 11.62%
Balance Transfer Credit Cards 14.12% 0.00 14.12%
Cash Back Credit Cards 15.27% 0.00 15.27%
advertisement
PAGE 1 OF 1

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

advertisement