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Business Advantage Unlimited Cash Rewards Secured Credit Card
- Regular Purchase APR 22.49% variable based on the Prime Rate
- Balance Transfer APR 22.49% variable based on the Prime Rate
- Cash Advance APR 24.49% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Poor , No Credit Required
- Processing Network Mastercard
- No annual fee
- Earn unlimited 1.5% cash back rewards while establishing your business credit
- Flexible redemption options
- Seamless transition from secured credit to unsecured with financial responsibility
- Regular Purchase APR: 22.49% variable based on the Prime Rate
- Balance Transfer APR: 22.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 24.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction
- Late Payment Penalty Fee: Up to $49
- Minimum Deposit Required: $1,000
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Join today!IHG Rewards Premier Business Credit Card
- Regular Purchase APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24 variable based on the Prime Rate
- Annual Fee $99
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
- Up to 26X at IHG Hotels & Resorts
- Earn 5X points for every dollar spent on travel and hotels
- Earn 5X points for every dollar spent at gas stations, dining, social media and search engine advertising, and office supply stores.
- Earn 3X All Other Purchases
- Automatic Platinum Elite Status
- Anniversary Free Night
- Up to $50 United® Airlines TravelBank Cash each year
- Global Entry, TSA PreCheck® or NEXUS Statement Credit
- Regular Purchase APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24 variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $99
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
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Join today!World of Hyatt Business Credit Card
- Regular Purchase APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $199
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/22, then your top two categories each quarter
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year
- World of Hyatt Discoverist status for as long as your account is open. Plus. Discoverist status to up to five employees
- Regular Purchase APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $199
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
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Join today!Hilton Honors American Express Business Card
- Regular Purchase APR 15.99% to 24.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.49% variable based on the Prime Rate
- Annual Fee $95
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Welcome Offer: Earn 130,000 Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases. Terms & Limitations Apply
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year
- Terms apply
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.49% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
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Join today!CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Regular Purchase APR 16.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $0 for the first 12 months. After that, $99
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 within 4 months
- 2X AAdvantage® miles for every $1 spent on purchases with American Airlines
- 2X AAdvantage® miles per $1 spent on telecommunications merchants, cable and satellite providers, car rental merchants and gas stations
- 1X AAdvantage® mile for every $1 spent on all other purchases
- Earn American Airlines Companion Certificate after $30,000 in purchases per year
- First checked bag is free for you and up to four others traveling with you on the same reservation (domestic flights only)
- Preferred boarding on American Airlines flights
- Save 25% on eligible in-flight food and beverage purchases on American Airlines flights
- Regular Purchase APR: 16.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is higher
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $0 for the first 12 months. After that, $99
- Late Payment Penalty Fee: $39
- Return Payment Penalty Fee: $39
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Join today!Brex Mastercard® Corporate Credit Card
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- 10-20X higher limits than traditional business credit cards
- No personal guarantee required
- No fees and no interest charges
- Create virtual credit cards for your team as soon as you're approved
- Built-in QuickBooks, NetSuite, and Xero integrations
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Join today!Marriott Bonvoy Business™ American Express® Card
- Regular Purchase APR 16.49% to 25.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee $125
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 of eligible purchases within the first 3 months of Card Membership. Offer ends 5/18/22
- 6x points at hotels participating in the Marriott Bonvoy™ program
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year
- Terms apply
- Regular Purchase APR: 16.49% to 25.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.49% variable based on the Prime Rate
- Annual Fee: $125
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
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Join today!Southwest® Rapid Rewards® Performance Business Credit Card
- Regular Purchase APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $199
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Earn 80,000 bonus points when you spend $5,000 in the first 3 months
- Receive 9,000 bonus points after your Cardmember anniversary
- Earn 4 points for every $1 you spend on Southwest Airlines® purchases
- Earn 3 points for every $1 you spend on Rapid Rewards hotel and car rental partner purchases
- Earn 2 points for every $1 you spend on local transit and commuting, including rideshare services
- Earn 2 points for every $1 you spend on social media and search engine advertising, internet, cable, and phone services
- Earn 1 point for every dollar you spend on all other purchases
- 9,000 anniversary points each year
- Earn 1,500 tier qualifying points toward A-List status for every $10,000 spent – with no limit on the amount of TQPs you can earn.
- $500 Fee credit for points transfers when you use your Rapid Rewards Business Credit Card to transfer points to another Rapid Rewards Membe
- Global Entry or TSA Pre✓® Fee Credit up to $100 every 4 years
- Regular Purchase APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $199
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
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Join today!The Plum Card® from American Express
- Annual Fee $250
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network American Express
- Receive 1.5% discount when you pay your bill within 10 days of your statement closing date
- Up to 60 days to pay with no interest
- Choose whether to receive your bill at the beginning, middle, or end of the month
- Annual fee waived the first year
- No preset spending limit
- Employee Plum Cards for no additional fee
- Annual Fee: $250
- Late Payment Penalty Fee: $39 or 1.5% of the past due amount, whichever is greater
- Return Payment Penalty Fee: $39
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Join today!American Express® / Business Extra® Corporate Card
- Regular Purchase APR See Terms
- Annual Fee $75 per cardmember
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network American Express
- Earn 1 Business Extra point per $5 spent on the base airfare of eligible American Airlines flights
- Earn 1 point for every $20 spent on other eligible spending
- Earn up to 6% in rebates for your business on the first $1,500,000 spent on flown eligible American Airlines airfare purchases each year
- Get a $50 Flight Discount for every $5,000 of eligible purchases
- Regular Purchase APR: See Terms
- Annual Fee: $75 per cardmember
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
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Join today!You've viewed 10 of 142 credit cards
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
- Access more spending power
- Take advantage of business-centric perks not available with personal cards
- Establish and build up business credit
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 Signup 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.
- Spending Monitoring 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.
Standout Features of the Best Business Credit Cards
In addition to low APRs and fees, there are plenty of perks unique to business credit cards that you’ll want to look out for. One common feature is the business-centric bonus categories on everything from travel and office supplies to advertising and internet access. You’ll also want to look out for benefits like free employee cards and finance management tools.
To learn more about the basics of business cards, check out our full-length guide for this card category. Meanwhile, you can find some of the top business credit card options below.
Travel
Companies that frequently rely on travel to conduct business can earn major rewards and discounts with the right business travel credit card. This is particularly true for those who tend to travel with the same airlines, as airline-branded cards offer even more perks for customer loyalty.
Cash Back
Since your business credit card may be tied to your personal credit, it can be difficult to get approved with a poor score. In that case, you might consider starting with a secured business credit card instead. With the right offer, you won’t even notice that your account is secured by a deposit.
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:
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. Often, sole proprietors do not have a tax ID number, which may make applicants wary – but don’t be.
If a card application asks for a tax ID number – and you don’t have one – simply state that your business type is a sole proprietor and use your Social Security Number (SSN) in place of a tax ID.
Employee Identification Number (EIN)
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:
- Have employees
- Operate as a partnership or corporation
- Withhold taxes on income (other than wages) paid to a non-resident alien
- Have a Keogh plan
- Are involved with trusts, estates, real estate mortgage investments, nonprofits, farmer’s co-ops, or plan administrators.
If none of these apply to your side hustle – congratulations – you will only need to provide your personal SSN.
Divvy Credit Card
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Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
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Combines seamless expense management software with business cards so you never have to process another expense report
☆ No Annual Fee
☆ No Interest Rates
☆ No Contract, No Obligations
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. The Divvy Card operates a fast application process that requires only six steps and may result in a near-instant underwriting (depending upon the business’s cash supply and income). Divvy also operates several different underwriting forms – the company even boasts an internal underwriting team for new applicants. Traditional and cash underwriting are offered as well, making it easy for companies to find a bespoke credit line for their unique needs.
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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