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.

Top Credit Cards Found.



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Featured
Bank of America® Cash Rewards for Business MasterCard® credit card

  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 9 billing cycles on purchases11.74% - 21.74% (Variable)*
Featured
The Business Gold Rewards Card from American Express OPEN

  • Special 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 3
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee for the first year, then $175N/A*N/A*N/A
The Business Platinum® Card from American Express OPEN

  • 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 50% more Membership Rewards® points. That's 1.5 points per dollar, on each qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • Plus, continue to get one point per dollar for qualifying purchases under $5,000.
  • 50% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 50% of the points back.
  • You can also receive 50% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Terms & Restrictions Apply
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$450N/A*N/A*N/A
SimplyCash® Plus Business Credit Card from American Express

  • 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.
  • 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% 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
No annual feeN/A*0% for 9 months12.74% - 19.74% Variable
Business Green Rewards Card from American Express OPEN

  • 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Other
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee for the first year, then $95N/A*N/A*N/A
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


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*0%* for 12 billing cycles*0%* for 12 billing cycles*10.49% - 18.49%* (Variable)
Gold Delta SkyMiles® Business Credit Card from American Express

  • 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 1
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee for the first year, then $95N/AN/A15.74% - 19.74% Variable
Platinum Delta SkyMiles® Business Credit Card from American Express

  • 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Airlines
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$195N/A*N/A*15.74% - 19.74% Variable
Starwood Preferred Guest® Business Credit Card from American Express

  • Limited Time Offer: Earn up to 35,000 bonus Starpoints® - Offer ends 04/05/2017.
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn an extra 10,000 bonus Starpoints® after you make an additional $3,000 in purchases within the first 6 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Hotels
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee for the first year, then $95NoneNone15.74% - 19.74% Variable
The Plum Card® from American Express OPEN

  • 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: 1
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 introductory annual fee your first year, then $250N/A*N/A*N/A
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0%* for 9 billing cycles*12.49% - 18.49%* (Variable)
U.S. Bank Business Edge™ Select Rewards

  • Earn 10,000 bonus points after 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
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Flexible Options
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0%* for 9 billing cycles*12.49% - 18.49%* (Variable)
The Blue for Business® Credit Card from American Express

  • Special Offer: Earn Up To 25,000 Membership Rewards® points
  • Earn 10,000 points after making your first purchase on the Card within your first 3 months of Card Membership.
  • Earn an additional 15,000 points after you spend $5,000 in purchases on the Card, in the first 6 months of Card Membership.
  • Earn a 30% annual points bonus based on the past year's purchases on your Blue for Business Card.
  • 0.0% introductory APR on purchases for 15 months, then a variable rate, currently 11.74%, 15.74% or 19.74%, based on your creditworthiness 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 730 to have excellent credit. A credit score between 676 and 730 is considered good credit. 1

Reviews: Be the first to write one
Rewards: Other
Annual FeeBT Intro APR Purchase Intro APRRegular APR
No annual feeN/A*0% for 15 months11.74% - 19.74% Variable
Bank of America® Travel Rewards World MasterCard® for Business credit card

  • Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
  • No annual fee and no international transaction fees
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz®
  • 0% Introductory APR on purchases for your first 9 billing cycles
  • Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards


Credit Needed:
ExcellentCreditWeb considers people with a credit score higher than 730 to have excellent credit. 1

Reviews: Be the first to write one
Rewards: Travel
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0*N/A*0% Intro APR for 9 billing cycles on purchases11.74%* - 21.74% (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:

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.
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