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If you're looking for the best business credit cards, you've come to the right place.  MoneyRates.com has assembled small business credit cards here.

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.

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Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all available financial products, however.
Card Rating
  • Earn up to $550 cash back in the first year.
  • $150 bonus after spending $500 in eligible net purchases within the first 90 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible net purchases ($100 per quarter) on two categories you choose. That adds up to $400 cash back!
Read more
Apply Now
On US Bank secure website
Purchase intro
APR: N/A
Purchase APR
15.99% - 25.49%*
Variable
Credit Needed
Good,Excellent
Annual fee
$0*
Card Rating
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 14.49% - 27.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
  • 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
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Apply Now
On Commerce Bank secure website
Purchase intro
APR: 0% Intro APR Periods: for 12 monthly billing cycles for all purchases and balance transfers, then 14.49% - 27.49% Variable APR
Purchase APR
14.49% - 27.49%
Variable
Credit Needed
Excellent, Good
Annual fee
$0
Card Rating
  • Unlimited 1.5% Cash Back1 on every purchase - no exclusions, no sign ups and no point caps!
  • $150 Cash Back Bonus2 after you spend $1,000 on purchases in your first 3 months from account opening.
  • toggle® tools allow you to create and change settings for what, when and how you pay.
Read more
Apply Now
On Commerce Bank secure website
Purchase intro
APR: 0% Periods: 12 months
Purchase APR
14.49%-27.49%
Variable
Credit Needed
Excellent, Good
Annual fee
$0
Card Rating
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that, the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
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Apply Now
On ABOC secure website
Purchase intro
APR: 0% Periods: 12 months after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
Purchase APR
14.90% - 24.90%
Variable
Credit Needed
Excellent, Good, Average/Fair
Annual fee
$0
Card Rating
  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of August 1, 2019 and are subject to change.
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Apply Now
On PenFed Credit Union secure website
Purchase intro
APR: N/A
Purchase APR
9.24% to 17.99%
Variable
Credit Needed
Excellent
Annual fee
$0
Card Rating
  • No Credit Check
  • Fast Online Application
  • Reports to Major Credit Bureau
Read more
Apply Now
On Reliant Holdings secure website
Purchase intro
APR: N/A
Purchase APR
0%
Credit Needed
Bad, Limited/No Credit
Annual fee
See issuer website
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.

Best business credit cards of 2019

By Shannon Lee | Money Rates Columnist

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:

  1. 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.
  2. 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:

  1. 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.
  2. Monthly maintenance fees. Look closely at the monthly maintenance fees, as they can easily outweigh the benefits on some cards.
  3. 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.
  4. 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.
  5. 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.

 

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