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Revenued Business Card Visa®
No Credit Check and No Fees to Apply
- Regular Purchase APR See Terms*
- Annual Fee None
-
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 Visa
- 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
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Join today!Ramp Visa Card
No Personal Credit Check or Founder Guarantee
- Regular Purchase APR See Terms
- Annual Fee None
-
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 , Fair , Poor
- Processing Network Visa
- 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
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Join today!Hawaiian Airlines® Business Mastercard®
Earn Up to 80,000 Bonus Miles
- Regular Purchase APR 18.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.24% 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
- 3X miles on Hawaiian Airlines purchases
- 2X miles on gas, office supply and restaurant purchases
- 1X miles on all other purchases
- One-time 50% off campanion discount
- Free additional employee cards
- No foreign transaction fees
- Regular Purchase APR: 18.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
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Join today!Divvy Credit Builder
Build Business Credit
- 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 Visa
- Easy online application – can be completed in a few easy steps
- Earn Divvy Rewards and control your earnings based on your payoff schedule
- Track spend in real time from anywhere
- Issue secure virtual cards that are tied to your account and protected against fraud and overspending
- Save hours of accounting work with Divvy's card-plus-software integrations
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
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Join today!Divvy Credit Card
Spend Management and Business Cards Made Simple
- Annual Fee None
-
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 , Fair
- Processing Network Visa
- 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
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Oregon State Business Visa
Manage Business and Personal Expenses Separately
- Regular Purchase APR 9.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18%
- Cash Advance APR 18%
- Annual Fee $25
-
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
- No fees for cash advances or balance transfers
- Annual fee waived if card is used once every 12 months
- Employee cards with unique spending limits available
- Regular Purchase APR: 9.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18%
- Cash Advance APR: 18%
- Annual Fee: $25
- Late Payment Penalty Fee: $25
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!IHG Rewards Premier Business Credit Card
140,000 Bonus Points
- Regular Purchase APR 18.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.99% variable based on the Prime Rate
- Annual Fee $99
-
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: 18.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99% to 25.99% 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: 27.99% 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!Family Security Visa Platinum Business
Handle Your Business with the Purchasing Power of Visa
- Regular Purchase APR See Terms*
- Balance Transfer APR See Terms*
- Cash Advance APR See Terms*
- Annual Fee None
-
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
- No annual fee
- Credit limit up to $15,000
- 100% of the credit limit is available for cash advances
- 25-day grace period on purchases
- Regular Purchase APR: See Terms*
- Balance Transfer APR: See Terms*
- Cash Advance APR: See Terms*
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $35
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Wyndham Rewards® Earner℠ Business Card
Earn 45,000 Bonus Points— Enough for Up to 6 Free Nights
- Regular Purchase APR 18.99%, 22.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18.99%, 22.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.24% variable based on the Prime Rate
- Annual Fee $95
-
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
- Intro Purchase APR 0% for 6 months on qualifying Wyndham Timeshare Purchases
- Processing Network Visa
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
- Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities
- Earn 1 points per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments)
- Automatically receive Wyndham Rewards DIAMOND member level
- Receive 15,000 bonus points each anniversary year – enough for up to two free nights at participating propeties
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- Plus earn an additional 30,000 bonus points after spending a total of $2,000 in the first 6 months.
- Intro Purchase APR: 0% for 6 months on qualifying Wyndham Timeshare Purchases
- Regular Purchase APR: 18.99%, 22.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99%, 22.99% or 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Hilton Honors American Express Business Card
130,000 Hilton Honors Bonus Points
- Regular Purchase APR 19.49% to 28.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 28.99% variable based on the Prime Rate
- Annual Fee $95
-
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 130,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Hilton Honors Business Card in the first 3 Months of Card Membership. Plus you can earn a Free Night Reward after you spend $10,000 in purchases on the Hilton Honors Business Card in the first 6 months of Card Membership. Offer ends 12/21/22
- 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 U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year
- Earn another Free 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: 19.49% to 28.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 28.99% 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: 29.99% 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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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
-
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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