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Business Credit Cards

Business credit cards can be very useful for all small business owners as well as corporate executives. A business credit card has many of the same features as traditional credit cards, including low introductory rates, cash back, airline rewards and rebates.

We have listed a variety of all the very best business credit card offers available below.

Editor’s Pick
Capital One® Spark(SM) Classic for Business
Capital One Spark Classic for Business Apply Now
  • Enjoy no annual fee
  • Build business credit with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
  • Separate business expenses from personal expenses
  • $0 Fraud Liability if your card is ever lost or stolen
  • Enjoy business benefits including Year-End Summaries, up to 25 employee cards at no additional cost, and experienced small business customer service
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
22.9% (V)*
None*
Yes*
Fair Credit*

Editor's Review: Capital One® Spark(SM) Classic for Business is a Visa® for small business owners with fair credit who are looking to build their business credit and earn cash back rewards for their purchases in the process. ...more info

Capital One® Spark(SM) Miles Select for Business
Capital One Spark Miles Select for Business Apply Now
  • Get a 50% bonus on the miles you earn every year
  • Earn 1 mile per dollar on every purchase, every day
  • Save with 0% intro APR until August 2012
  • Enjoy no annual fee
  • 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
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR on Purchases*
Until August 2012*
14.9% - 19.9% (V)*
None*
Yes*
Excellent Credit*

Editor's Review: Capital One® Spark(SM) Miles Select for Business is a Visa® for small business owners with excellent credit who are looking for a way to earn airline miles rewards ...more info

Ink Cash(SM) Business Card
Chase Ink Cash Business Apply Now
  • $250 cash back bonus after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
  • 2% cash back on the first $25,000 spent annually on gas and dining
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months
  • No Annual Fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
6 Months*
13.24% (Variable*)
None*
Yes*
Excellent*

Editor's Review: The Ink Cash(SM) Business Card, issued by Chase, is our top choice and most recommended card for business owners who are looking to earn more cash back rewards, want a more customized line of credit specific to their needs, combined with a simpler way of tracking and managing their expense items. ...more info

Capital One® Spark(SM) Cash for Business
Capital One Spark Cash for Business Apply Now
  • 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
  • Enjoy award-winning small business customer service
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • Earn unlimited cash rewards that don’t expire
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
13.9% (V)*
$0 intro for first year; $59 after that
Yes*
Excellent Credit*

Editor's Review: Capital One® Spark(SM) Cash for Business is a Visa® for small business owners with excellent credit who are looking to earn cash back rewards for purchases ...more info

SimplyCash® Business Card from American Express OPEN
Simply Cash Apply Now
  • 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*
  • No Limit To The Amount of Cash Back You Can Earn*
  • Cash Back on Purchases Is Automatically Credited to Your Statement Each Month*
  • Save 3% to 10% Automatically on Business Expenses from FedEx, Hertz®, OfficeMax®, and More with OPEN Savings®
  • No Introductory Annual Membership Fee
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases*
Up to 12 Months*
12.24% - 19.24% Variable
$0*
N/A*
Excellent Credit*

Editor's Review: Business owners who are looking for a credit card that also offers an attractive rewards program may be interested in the SimplyCash® Business Card from American Express OPEN. With credit card, business owners are automatically included in a very generous cash back rewards program without having to pay an annual fee ...more info

Capital One® Spark(SM) Cash Select for Business
Capital One Spark Cash Select Apply Now
  • 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 August 2012
  • Enjoy no annual fee
  • 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
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% Intro APR on Purchases*
Until August 2012*
14.9% - 19.9% (V)*
None*
Yes*
Excellent Credit*

Editor's Review: Capital One® Spark(SM) Cash Select for Business is a Visa® for small business owners with excellent credit who are looking to earn cash rewards ...more info

Capital One® Spark(SM) Miles for Business
Capital One Spark Miles for Business Apply Now
  • Earn 2 miles per dollar on every purchase, every day
  • Get 10,000 bonus miles—just spend $1,000 within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • Enjoy exclusive, award-winning customer service
  • $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, merchandise, and more
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
13.9% (V)*
$0 intro for first year; $59 after that
Yes*
Excellent Credit*

Editor's Review: Capital One® Spark(SM) Miles for Business card is a Visa® for small business owners with excellent credit looking for a way to earn travel and airline miles rewards ...more info

American Express(R) Premier Rewards Gold Card
American Express(R) Premier Rewards Gold Card Apply Now
  • Membership Rewards(R) bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
  • No annual fee for your first year - a $175 savings
  • Get approved in 60-seconds.
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A
N/A
N/A
See Terms*
No*
Excellent

Editor's Review: The American Express(R) Premier Rewards Gold Card is a charge card, not a credit card and is best suited for those who can pay off their card balances in full each month. This is a great card choice for those who want to avoid accumulating credit card debt, large revolving balances and high ongoing interest rates that users of many traditional unsecured credit cards can be saddled with. ...more info

Gold Delta SkyMiles® Business Credit Card from American Express OPEN
Delta SkyMiles Business Apply Now
  • 30,000 bonus miles when you spend $500 on the Card in the first three months from account opening– good for a free flight!
  • Check your first bag free– for up to 8 people on your reservation– on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent Priority Boarding and 20% In-Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • Earn 30,000 bonus miles toward Award Travel – when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free–for up to 8 people on your reservation–on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In–Flight Savings
  • $0 intro annual fee for the first year, then $95
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
14.50%*
$0 introductory annual fee for the first year, then $95
Yes*
Excellent Credit*

Editor's Review: The Gold Delta SkyMiles® Business Credit Card from American Express OPEN is a great card offer for small business owners looking to earn travel rewards on Delta Airlines. ...more info

Starwood Preferred Guest® Business Credit Card from American Express OPEN
Starwood Preferred Guest Business Credit Card Apply Now
  • Earn up to 25,000 Starpoints® – Receive 10,000 Starpoints after your first purchase, and another 15,000 bonus Starpoints when you spend $5,000 in 6 months – enough for up to 6 free nights at a Category 1 or 2 hotel.
  • Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries, and for flights on more than 350 airlines through SPG Flights. No blackout dates.
  • $0 introductory annual fee for the first year, then $65
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
15.24% - 19.24% Variable
$0 for the first year, then $65
N/A*
Excellent Credit*

Editor's Review: The Starwood Preferred Guest® Business Credit Card from American Express OPEN is an outstanding credit card for small business owners with good credit who frequently stay at Starwood hotels and resorts ...more info

The Plum Card® from American Express OPEN
The Plum Card from American Express OPEN Apply Now
  • The Everything, Everywhere Trade Terms Card SM from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
N/A*
$0 introductory annual fee for the first year, then $185
N/A*
Excellent Credit*

Editor's Review: The Plum Card® from American Express OPEN is a very unique card offer for business owners who are looking for added payment flexibility with their charge card. ...more info

Ink Bold(SM) with Ultimate Rewards
Ink Bold with Ultimate Rewards Apply Now
  • 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • No limit to the number of points you can earn - and points do not expire
  • 5X points per dollar on the first $50,000 spent annually on eligible business purchases
  • No foreign transaction fees and Free Employee Cards
  • No interest or over limit fees
  • No Annual Fee in the first year - that's a $95 savings
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
N/A*
N/A*
13.24% (Variable)*
$0 for the first year, then $95*
N/A*
Excellent Credit*

Editor's Review: Ink Bold(SM) with Ultimate Rewards is one of the 3 options within the Chase Ink line-up of business credit cards. Through its Ultimate Rewards program, the card features several benefits that are likely to be quite attractive to the business owner who make a relatively large number of purchases each year ...more info

AT&T Universal Business Rewards Card
ATT Universal Business Rewards Apply Now
  • Designed for businesses with an established credit history
  • 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
  • Earn 5 ThankYou Points® for each dollar you spend on eligible AT&T products and services purchased directly from AT&T*
  • Earn 3 ThankYou Points for each dollar you spend on purchases at certain office supplies merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases
  • Additional Cards for Employees with Credit limits You Set
  • No Annual Fee
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases*
6 Months*
16.99%* (Variable)
None*
Yes*
Good to Excellent Credit*

Editor's Review: The AT&T Universal Business Rewards Visa card is an outstanding business credit card for small business owners with good to excellent credit. The card features an introductory APR on purchases of 0% for the first 6 months starting upon approval. ...more info

As you will discover when you search and compare card offers at CreditCardAssist.com, these type of cards can be particularly beneficial to small companies looking to manage, control and streamline their expenses while also benefiting from the generous mileage reward points and business rebates that some of these credit card offers maintain.

Best Business Credit Cards - Reviews

Small business credit card offers (and corporate cards alike) also have many additional platinum benefits in comparison to traditional credit cards. Some of these card benefits include:

  • Low ongoing rates on purchases
  • Free account summaries keeping business expenses separate from personal expense
  • Special business rewards and/or savings
  • Expense reports for management
  • Additional cards for employees
  • Generous credit limits

By utilizing the miles rewards program of one of the many superb credit cards offered here on the site, (from our top credit card offers listed below) many people are able to secure ticket upgrades, travel discounts and even free airline tickets. Many of our card offers listed below maintain outstanding rewards programs.

Those business expenses can add up quickly so (while making sure to pay off those card balances monthly) be sure to take advantage of a rewards program with your card offer, if it's appropriate. Every credit card is a bit different and, as with all credit cards, offers are constantly changing. While you search, be sure to thoroughly examine the terms of each specific card before applying.

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