Best Credit Cards - Business Use
If you're looking for the best business credit cards, you've come to the right place. MoneyRates.com has assembled some of the top small business credit cards available.
Need a hassle-free credit card for your small business, with lots of payback potential? Take advantage of the best business credit cards to squeeze more out of your business purchases. MoneyRates.com's featured business credit cards can help you manage your business expenses and give you travel miles, cash back, or other benefits to help grow your business or for your well-deserved personal time.
- Earn points even faster to get more rewards for your business
- 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
- One million rewards from over 500 brands
- 24/7 support for everything from identity theft to travel emergencies
- $0 introductory annual fee for the first year, then $175
- Get unlimited Additional Gold Cards for an additional annual fee of $50 and this fee is waived for the first year
- Terms & Restrictions Apply.
★ ★ ★ ★ ★
Reg APR
N/A
N/A
N/A
Excellent
Annual Fee$175
- Earn up to 50,000 bonus points - 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 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
- Earn up to 5X points per dollar on eligible business purchases, and points do not expire
- No foreign transaction fees
- Free Employee Cards
- No interest charges because its a pay-in-full charge card
- Transfer points you've earned to participating frequent travel programs at a 1:1 value
- No Annual Fee in the first year - a $95 savings
★ ★ ★ ★ ★
Reg APR
N/A
N/A
N/A
Excellent
Annual Fee$95
- FOR A LIMITED TIME: Earn 25,000 Membership Rewards(R) points by spending $5,000 in the first 3 months
- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
- 20% Travel Bonus when redeeming with Membership Rewards(R) Pay with Points
- Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
- Complimentary airport club access to 600+ partner lounges, a $950/yr value
- By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
- No pre-set spending limit*
★ ★ ★ ★ ★
Reg APR
N/A
N/A
N/A
Excellent
Annual Fee$450
- Earn a Welcome Bonus of 10,000 bonus points after your first purchase
- Earn 10% more points the first year, Earn 20% more points the second year, Earn 30% more points every year after
- Get an introductory APR of 0% for up to 12 months
- No annual fee and no fee for Additional Cards for Employees
- Save 3% - 10% automatically on business expenses from FedEx, Hertz(R), and more with OPEN Savings(R) discounts
- Enjoy the option to pay over time
★ ★ ★ ★ ★
Reg APR
11.24% - 19.24%
Variable
0.0%
6 months or 12 months*
Excellent
- Up to $250 cash back bonus - $100 cash back bonus after your first purchase, plus an additional $150 after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 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 12 months
- No Annual Fee
★ ★ ★ ★ ★
Reg APR
10.24%
Variable
0%
12 months*
Excellent
- Up to 25,000 bonus points - 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months!
- 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2X points per dollar on the first $25,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- 1 point per dollar on all other card purchases with no limit on the amount you can earn
- Cash back rewards do not expire
- 0% Introductory APR for 12 months
- No Annual Fee
★ ★ ★ ★ ★
Reg APR
10.24%
Variable
0%
12 months
Excellent
- 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
★ ★ ★ ★ ★
Reg APR
N/A
N/A
N/A
Good
Annual Fee$185
- Earn up to 25,000 Starpoints(R)- 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
★ ★ ★ ★ ★
Reg APR
15.24% - 19.24%
Variable
N/A
Good
Annual Fee$65
These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.
Choosing the best business credit card
You need a strong financial plan when you're working to grow your business, and a good business credit card can be an important part of that plan. Not only can business credit cards offer a financial cushion when your business needs extra money, the best ones may also offer reward programs, low interest rates and other special perks.
Different types of business credit cards
Determining the best card for your business requires knowing what you need from your credit card. Below are two types of credit cards that could be ideal for your small business:
- Low interest. Many banks offer cards with low interest rates to established businesses, and that can help keep costs down. The best low interest cards may offer a wide variety of potential money-savers, such as no-fee balance transfers, low-interest cash advances, or nice introductory terms.
- Rewards. Credit cards with cash rewards for the things you purchase most often can offer excellent benefits to your business. Regular purchases can add up quickly, such as that weekly run for office supplies. If you or your employees travel quite a bit, cards that offer rewards on travel could also be a good option--these can include everything from points on airline travel, to a percentage of cash back at the pump. Rewards may also be redeemed for rentals cars, hotels, dining and more.
Choosing the best business credit card
Just as with personal credit cards, there are caveats to consider when researching the best business credit cards. Watch out for the following five points:
- Annual fees. If the rewards on your card are substantial, it might be worth the annual fee. However, weigh your actual spending and reward potential against the annual fee to determine whether it is worth paying the extra cash each year.
- Monthly maintenance fees. Look closely at the monthly maintenance fees, as they can easily outweigh the benefits on some cards.
- Fees for authorized users. If you have several users on the same credit account, a separate fee for each one could add up quickly. Look for companies that allow you to add employees onto the card without an additional fee.
- Credit limit potential. What happens if you suddenly face an unexpected business expense and need the credit to cover it--fast? A card with a healthy credit limit can be very handy in such an event.
- Flexible payment options. In times when income from your business is slow, some credit card companies are happy to work with you to establish a flexible payment plan that allows you to make your minimum payment within a certain time frame rather than on a specific date.
Many credit card companies consider businesses a good risk, so your options for business credit cards may be numerous. But take your time in deciding which card best suit your needs--both for now and in the future.
