Find the Best Business Credit Cards for Your Small Business
In addition to personal credit cards, if you are a small business owner you will likely want to take advantage of the benefits available in a small business credit card. These cards offer numerous advantages, including higher limits and rewards for business expenses. Some perks may include:
- Free additional cards for employees, with limits that you set yourself.
- Rewards points.
- Airline miles.
- Gas rebates.
- Balance transfers.
- Low introductory interest rates.
- Welcome bonus points.
- Savings on business supplies and other expenses.
Business credit cards allow you to keep track of expenses, as well as carry a balance during slow periods if necessary. Most require good credit, with only a few requiring an excellent rating. The advantages of a personal card and more help you make the best use of your business spending, and get something in return.
As always, investigate regular APR interest rates and compare cards to make sure you are getting the best business credit card for your situation. Start up or expansion phases may require a different approach to credit cards then you will want during a time when your business is going strong. Different cards will also appeal more if you spend a lot of time on the road, or in the air. Consider all your options and make the most of a credit card that suits your particular business needs.
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Starwood Preferred Guest® Business Credit Card from American Express
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- Earn 10,000 Starpoints with Your First Purchase - That\'s Good for Up to 3 Free Nights!
- Earn 1 Starpoint for Virtually Every Dollar You Spend on the Card and 2 Starpoints at Participating Starwood Hotels and Resorts
- Redeem at Over 825 Participating Starwood Hotels and Resorts in 95 countries Including Sheraton®, Westin® and W Hotels®
- Transfer to Over 30 Frequent Flyer Programs, Most on a One-to-One Basis
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 2.9% APR for 6 Months |
Prime + 9.99% Variable |
$45 |
None |
Capital One® Business Platinum
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- Separate Your Business and Personal Expenses
- 0% APR on Purchases Until August 2009
- No Annual Fee
- Free Year-End Summary
- Free Employee Cards with Individual Spending Limits You Set
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases until August 2009 |
As low as 9.99% Variable |
$0 |
Fair |
Advanta Platinum BusinessCard with Rewards
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- 0% APR for 15 Months on Balance Transfers, 7.99% APR Thereafter*
- 7.99% Variable APR (Based on Prime) on Purchases
- Up to 5% Cash Back on Office Supplies, Gas and More*
- No Annual Fee and No Limit on Earnings
- Get Employee Cards with No Fee and Set Monthly Spending Limits Per User
- * See terms and conditions for important information, benefits and limitations
- Apply online now at Advanta or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 15 Months |
7.99% Variable |
$0 |
Very Good |
SimplyCash® Business Card from American Express
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- Earn 5% Cash Back on Office Supplies and Wireless Services
- Earn 3% Cash Back on Automobile Gas Purchases of Up to $12,000 Per Year; 1% Thereafter
- Earn 1% Cash Back on Virtually All Other Purchases
- No Limits to The Cash Back You Can Earn
- Cash Back is Automatically Credited to the Statement Each Month
- Apply online now at American Express.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for Up to 12 Months |
As low as Prime + 0% Variable |
$0 |
Very Good |
The Gold Card from American Express OPEN(SM)
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- Business Ownership has Become more Rewarding
- Earn up to 40,000 Bonus Points in Your First Year - Enough for One Domestic Round-Trip Airline Ticket Plus Other Business Supplies
- Points Have No Expiration Date
- No Limit to the Number of Membership Rewards® Points You Can Earn
- No Annual Fee for the First Year - A Savings of $125
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
No APR |
$125 |
Good |
Chase Platinum Business Card
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- Save with 0% APR for Up To 12 Months on Purchases and Balance Transfers*
- Free Online Reporting - Quarterly Reports Enable You to Monitor Your Business Spending
- No Annual Fee
- Platinum Business Benefits - Value Benefits Such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance
- Visa Business Partner Advantage - Savings of Up To 20% From Leading Retailers with Special Offers on Computer Equipment, Office Supplies and More
- Apply online now at Chase or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 12 Months |
8.99% Variable |
$0 |
Very Good |
Business Green Rewards Card
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- Receive 5,000 Bonus Points on Your First Purchase
- No Pre-Set Spending Limit* or Finance Charges
- Earn One Membership Rewards® Point for Virtually Every Dollar You Spend with No Limits and No Expiration Dates
- Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz®, and More
- Redeem Points for Top-Tier Rewards Including Travel, Merchandise, Office Equipment, and Gift Cards for You or Your Employees
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
No APR |
$95 |
None |
Gold Delta SkyMiles® Business Credit Card
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- Get 15,000 SkyMiles® with First Purchase
- Earn up to 30,000 Bonus Miles in Your First Year
- Now You Can Redeem Your Miles for Any Delta Seat, Any Time at Delta.com. Pay with Miles is an Exclusive New Benefit for Gold Delta Skymiles® Business Credit Cardmembers That Goes Above and Beyond to Help Ensure that Your Miles Work the Way You W
- Pay for All or Part of Your Fare with Miles and Put the Rest on Your Card; Start Redeeming at just 10,000 Miles
- Save 5% on All Delta Flights with Your Card
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| No Introductory Rate Available |
Prime + 9.99% Variable |
$95 |
Good |
Blue Cash® for Business Credit Card
| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 6 Months |
As low as Prime + 2.99% Variable |
$0 |
None |
Platinum Business FreedomPass(SM) Credit Card
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- 5,000 Point Welcome Bonus with First Purchase
- Earn 1 Point for Virtually Every Dollar You Spend
- Redeem for Savings on Any Flight, Hotel, Car Rental, or Cruise
- No Blackout Dates and No Travel Restrictions
- 0% Introductory APR on Purchases for the First 12 Months
- Apply online now at American Express or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 12 Months |
As low as Prime + 3.99% Variable |
$0 |
Very Good |
Discover® Business Card
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- Apply Now and Get $100 Cash Back Bonus**
- 0% Intro APR* for 12 Months on Purchases and 3.9% Intro APR* for 6 Months on Balance Transfers
- 5% Cashback Bonus® on Office Supplies, 2% on Gas and Up To 1% on All Other Purchases*
- Earn 5 to 20% Cashback Bonus at Top Retailers through Discover's Exclusive Online Shopping Site
- Fee-Free Purchase Checks to Pay Merchants Who Don't Accept Credit Cards
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Intro APR* |
13.99% Variable |
$0 |
None |
Capital One® Business Platinum with Preferred No Hassle Miles(SM)
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- Earn Double Miles on Travel and Entertainment Purchases
- 0% APR on Purchases Until August 2009
- Double Miles on Travel and Entertainment Purchases and One Mile Per Dollar on All Other Purchases
- Redeem Miles for Cash Back, Gift Cards, Flights, and More
- No Annual Fee
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR on purchases until August 2009 |
As low as 14.99% Variable |
$0 |
Very Good |
