Business Credit Cards
Are you the owner of an established small business? If so, you have many options when applying for a business credit card. We recommend that you examine all rates, fees and rewards before applying, depending on your business credit record. Note: you'll need your tax ID or EIN to apply for a small business credit card.
- Turn Your Hobby or Interest into a Business
- Less Than Perfect Credit? No Problem!
- Easy Approval! Perfect for Sole Proprietors & Entrepreneurs
- Reports Monthly to Major Credit Bureaus
- Initial credit limit of $500*
Credit Needed: Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 699 is considered fair credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| See Terms |
N/A* |
N/A* |
23.99%* |
|
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- Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
- Get 3x points - Choose 1 out of 5 categories
- Plus, 2X points on the 4 remaining categories and 1X points on other purchases
- 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
- Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
- No foreign transaction fees
- $0 introductory annual fee for the first year, then $175
- Terms and limitations apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 3
Rewards: Travel
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $175 |
N/A |
N/A |
N/A |
|
Directly with American Express
Compare
- Welcome Offer: Earn up to 75,000 Membership Rewards® points.
- Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
- You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
- You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
- Terms Apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: None
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $450 |
N/A |
N/A |
N/A |
|
Directly with American Express
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- Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Other
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
0% on Balance Transfers for 15 months |
0% on Purchases for 15 months |
12.24% - 20.24% Variable |
|
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- Make business travel more rewarding. 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.
- $0 introductory annual fee for the first year, then $95.
- Terms and limitations apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 1
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $95 |
N/A |
N/A |
16.24% - 20.24% Variable |
|
Directly with American Express
Compare
- Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
- Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- Check your first bag for free and save up to $50 on a round trip Delta flight.
- Settle into your seat sooner with Priority Boarding.
- Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
- Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
- No Foreign Transaction Fees.
- Terms and limitations apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Airlines
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $195 |
N/A |
N/A |
16.24% - 20.24% Variable |
|
Directly with American Express
Compare
- Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
- Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
- Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
- Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
- No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
- Terms Apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Hotels
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $95 |
N/A |
N/A |
16.24% - 20.24% Variable |
|
Directly with American Express
Compare
- Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, if you pay your minimum due.
- Use the power of the Plum Card to buy big for your business.
- Unlock new opportunities with a spending limit that can grow with your business.
- Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- Terms & Restrictions Apply. See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 1
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee your first year, then $250 |
N/A |
N/A |
N/A |
|
Directly with American Express
Compare
- Earn 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
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & Limitations Apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: 1
Rewards: Other
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 introductory annual fee for the first year, then $95 |
N/A |
N/A |
N/A |
|
Directly with American Express
Compare
- Special Offer: Earn up to $400 cash back
- Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
- Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
- No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
- 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
- 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
- Terms and limitations apply
- See Rates & Fees
Credit Needed: Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2
Reviews: Be the first to write one
Rewards: Cash Back
| Annual Fee |
BT Intro APR |
Purchase Intro APR |
Regular APR |
| $0 |
N/A |
0% on Purchases for 9 months |
13.24% - 20.24% Variable |
|
Many of the top credit card issuers have a variety of small business credit cards, with each offer unique in its own way. We recommend you compare the following details before making a final decision:
- Interest rate
- Fees
- Promotional offers
- Rewards program
- Access to online management tools
Business owners face many obstacles in regards to finances. With a small business credit card in hand, it's simple to make purchases, remain organized, and receive something in return (reward points or cash back) for every dollar you spend.
