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BJ's Business Elite™ Mastercard®
BJ's Business Elite™ Mastercard®
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
At a Glance
The BJ's Business Elite™ Mastercard® is a business card that maximizes savings at BJ's Wholesale Clubs. Your company can earn up to 5% back on BJ's purchases while savings 15 cents at the pump - all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in rewards on most BJ's purchases
- 15¢ off/gal. at BJ's Gas®
- 2% back in rewards everywhere else Mastercard® is accepted
- World Elite Mastercard® status
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Late Payment Penalty Fee: Up to $40
- Your company frequently buys supplies at BJ's Wholesale
- Your company frequently purchases gasoline at BJ's locations
- You plan on issuing employee cards to maximize rewards
- You don't want to pay an annual fee
Divvy Credit Card
Divvy Credit Card
At a Glance
The Divvy Card is a corporate business card for companies and business owners who want a corporate card’s flexibility along with the rewards of a traditional business rewards card. The card prioritizes good financial habits by maximizing rewards for companies that pay balances back early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
- Combines seamless expense management software with business cards so you never have to process another expense report
- No interest rates
- No annual fee
- No contract, no obligations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You're looking for a card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You want unlimited virtual cards
- You spend heavily on travel, dining, and software
Revenued Business Card Visa®
Revenued Business Card Visa®
- See Terms* Regular Purchase APR
At a Glance
The Revenued Business Card Visa® combines the benefits of a business card with a Flex Line of capital. This combination means there are no hard credit checks to apply, with Flex Lines available in as little as 24 hours, with no hidden fees or annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $500 in cash back after spending $5,000 on your card in the first 3 months
- Earn 3% cash back on every purchase
- Apply and get a funding decision in as little as an hour
- No monthly or annual fees while you use your card or Flex Line
- Approvals are based on revenue, not your credit score
- No fees or hard credit checks to apply
- Regular Purchase APR: See Terms*
- Foreign Transaction Fee: See Terms
- You have a business with at least $10,000 or more in monthly deposits
- You don’t want to use your personal cards for their business
- You want to earn rewards on your business spending
- You don’t want to pay any annual fees or draw fees
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
GM Business Card™
GM Business Card™
- 18.49% to 28.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The GM Business Card is an auto credit card from Marcus from Goldman Sachs whose earnings can only be applied towards the purchase or lease of a GM vehicle from a dealership. Earn up to 5% with bonus categories for GM purchases, gas, dining, and office supplies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
- Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
- 5% in Earnings on eligible GM dealership parts, accessories or service purchases
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
- 0% Intro APR on purchases for the first 12 months, variable of 18.49% to 28.49% APR after
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms & Limitations Apply. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 18.49% to 28.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're looking to expand your current business fleet
- You have a business association membership to ABC, AGC, or NAHB of America
- You will need company cards for your employees
- You're already enrolled in My GM Rewards
- You will spend $5,000 within the first 5 months of being a cardmember
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The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and Costco Anywhere Visa® Business Card by Citi has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
What Are Business Credit Cards?
Business credit cards, like personal cards, are a line of revolving credit that comes with an annual interest rate on outstanding balances. These come in all shapes and sizes too, with various features and the possibility to earn rewards for spending.
Unlike a personal card, however, a business card is designed specifically for business owners and their employees. This means the eligibility requirements, application process, features, credit limits, and the even rewards are laid out a little differently.
How Do Business Credit Cards Work?
Business credit cards work like personal cards, with a few key differences – namely, how they use and affect credit. When consumers apply for a business card, they do so for several reasons, including to:
| Keep personal and company finances separate | Track business expenses | Take advantage of business-centric perks not available with personal cards |
| Access more spending power | Establish and build up business credit | Provide employees with a way to pay for business expenses |
Activity on most business credit cards gets reported to commercial credit bureaus instead of, or in addition to, consumer credit bureaus. This allows you to establish a credit score for your business, which may be used to obtain financial products, determine vendor terms, and qualify for a business loan.
Whether or not you already have business credit is also an important factor in the application process for one of these cards. This is where the difference between cards for corporations and cards for small businesses come into play.
What Are the Benefits of a Business Credit Card?
Business credit cards offer a variety of benefits versus personal credit cards:
| Bigger sign-up bonuses | Many business credit cards come with more significant signup bonuses than personal credit cards. Some of the best business cards offer bonuses of 100,000 points or more after meeting a minimum spending requirement. |
| Unique spending categories | Business credit cards occasionally come with bonus points or miles for purchases in categories that personal cards don’t offer. Common bonus categories for business cards include office supplies, internet and telecommunications, advertising, shipping, and more. These categories may align better with your spending habits than other personal bonus categories. |
| Higher credit limits | Most small business credit cards come with substantially higher limits than personal cards. According to Experian, the average credit limit for a personal card is about $30,000; for a small business credit card; however, the average credit limit is $56,000. |
| Expense and spend management tools | Business cards come with a variety of business monitoring tools. These can help streamline your finances, track purchases, and even assist in writing off spending as a business expense. |
| Travel benefits | Some business cards come with no foreign transaction fees, a sign up bonus worth a free flight after you spend a certain amount within the first few months of card membership, and more. |
Can Startups Get Business Credit Cards?
Most people assume that you need to have a physical location or an LLC to qualify for a business card. This, however, isn’t true. You do need a registered business, but the qualifications of what a “business” is are surprisingly broad.
If you are a freelancer, you sell your goods on eBay or Amazon, or even teach music to local children, you may qualify for a business credit card. If you engage in any work where you earn money – without being an employee for someone else – you probably qualify as having a business.
Because of these loose requirements, business credit cards are a viable option for startups and other non-traditional or established companies.
How to Apply for a Small Business Credit Card
If you fall into the category of freelancer, tutor, or any of the other types of business that you operate by yourself, you will need to apply for a business card as a sole proprietor.
Typically, when applying for a business card as a sole proprietor, there isn’t much more information than you’d expect from a personal credit card application. There are, however, two bits of information to keep an eye out for:
| ① The legal name and contact address of your business | Even if you don’t provide your personal information, you will need to provide all relevant contact information for your business, including the company’s legal name, any names your company is doing business under, and the mailing and phone contact information. |
| ② Basic information about your business | Most banks and lenders want to know some basic facts about your company. These facts include your industry type, the structure of your company and number of employees, and your annual revenue. |
| ③ Tax ID number |
Most business card applications require a tax ID number, which is the number the IRS uses to designate your company when you file your taxes. number Many sole proprietorships have no employees – and never plan to hire additional help. Still, business credit card applications often ask for an EIN. An EIN is basically an SSN for a business – it is the same as a tax ID. If you are a freelancer, tutor, run an online shop, or other solo venture, chances are you won’t need your EIN or tax ID. The IRS stipulates that an EIN is only necessary for those companies that:
|
| ④ Estimated monthly spend on the card | Lenders want to ensure that your business’ finances aren’t stretched too thin, so expect to answer basic questions about how much you – and your employees – typically place on credit cards each month. |
| ⑤ Personal credit history | If you need to provide a personal guarantee, expect to provide all relevant credit information for the primary account holder. This information includes full legal name, home contact information (phone number, mailing address, e-mail), and your Social Security Number. |
If none of these apply to your side hustle – congratulations – you will only need to provide your personal SSN.
Business Credit Card FAQs
Here are some of the most frequently asked questions concerning business cards:
- You must meet specific criteria to qualify for a business credit card:
- You must operate a for-profit enterprise – even if you haven’t made a profit yet
- If you receive a 1099 tax form from your employer, you qualify as an independent contractor
- You must state your current business income and any anticipated growth
- Yes. While there are no unsecured credit cards for businesses with bad credit, there are secured cards for small businesses. These secured cards require a deposit but offer many of the perks of other top business cards. Unfortunately, the deposit may be a hindrance to many potential applicants.
- Most card issuers require a business to have a good credit score. A good credit score range is anything about 680 on your FICO Score. If your company doesn’t have a credit history or has poor credit, however, considering using your own credit score to improve the chances of getting a business card.
- An EIN is also known as an Employer Identification Number or a tax ID. While you don’t need an EIN to apply for a business credit card, you can use this number. To apply using this tax ID number, you will need to contact specialty business credit bureaus to establish a file. Once established, you can sue the EIN to apply for credit in most cases.
- Yes. Most business credit cards offer significant credit lines to help companies finance significant purchases and improve cash flow. Business card lines of credit can be more than $50,000, with big signup bonuses. Some cash back cards, for example, offer over $50,000 per calendar year in value, but with huge spending requirements – sometimes requiring spending $15,000 within 90 days.
- Yes. American Express offers a business version of both the Platinum Card and the Gold Card. The Business Platinum Card from American Express acts just like any other charge card. This means businesses can spend beyond your credit limit, helping to increase cash flow.
- Rewards are one of the most important things to consider when looking for good business cards. These rewards can be broken down into the following subsections:
- Signup Bonuses: Many cards today provide impressive signup bonuses worth thousands of dollars. Travel business cards, in particular, can be very generous with their introductory bonuses.
- Rewards Programs: Travel rewards business cards involve a rewards or loyalty program that earns points or miles with qualifying purchases. For general travel cards, purchases in select categories – like flights or restaurants – accumulate points at a multiplied rate. Co-branded cards through airlines and hotels will also provide additional points on specific groups, as well as when you make purchases directly with these brands.
- Cash Back: Cashback is the other significant rewards setup found in business cards. Like travel cards, select categories – think office supply stores and telecommunications services – can earn you cash back at an accelerated rate.
- Some of the other factors you should examine when selecting a business card include:
- Additional Employee Cards: Business credit cards offer an efficient way to keep track of company spending, and if you have employees who regularly make company expenses, look for a credit card that allows you to issue additional cards for your staff. Other cards issued at no extra cost is a popular perk, so you’ll find it in multiple offers.
- 0% Intro APR: Another popular feature in business cards is introductory 0% APR periods. You may have plenty of use for your card, be it for multiple small purchases or one big-ticket expense, so paying off a balance over time with no interest charges to worry about is a welcome incentive. These promotional periods range from six months to over 12, so plan your shopping accordingly to maximize your interest-free grace period.
- Business Management Software Tools: Issuers can make it easy to keep track of your money’s movements thanks to resources like the integration between your account statement and accounting software, custom expense reports, and irregular activity alerts.
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