Compare the Best Business Credit Cards

Finding the best business credit card is essential for the success of your company. Read our comprehensive reviews and browse a selection of the best business cards below.

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Divvy Credit Card

Divvy Credit Card
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

World of Hyatt Business Credit Card

World of Hyatt Business Credit Card
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $199
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 9X points per $1 spent at Hyatt hotels
  • Earn 2X bonus points per $1 spent in your top three spend categories each quarter through 12/31/22
  • Earn 2X points per $1 spent on fitness club and gym memberships
  • Earn 1X points per $1 spent on all other purchases
  • World of Hyatt Discoverist status for the primary cardholder and up to 5 employees
  • Up to $100 in Hyatt statement credits each year
Rates & Fees
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.99% to 22.99% 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: 24.99% 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: $199
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Voice Business Credit Card℠

Voice Business Credit Card℠
  • Regular Purchase APR 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Choose from 10 categories where you'll earn 4% cash back - on the first $7,000 spent per quarter, or $28,000 annually
  • Earn 1% cash back on all other purchases
  • No annual fee
  • No foreign transaction fee
  • Employee cards and spend controls available
Rates & Fees
  • Regular Purchase APR: 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
  • Balance Transfer APR: 10.99% - 21.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Capital One® Spark® Cash Plus for Business

Capital One® Spark® Cash Plus for Business
  • Annual Fee $150
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn up to $1,000 in the first 6 months; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Get unlimited rewards, cash bonuses and business-grade benefits—with a $150 annual fee
Rates & Fees
  • Annual Fee: $150
  • Late Payment Penalty Fee: 2.99% of the unpaid portion of your minimum payment
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

U.S. Bank Triple Cash Rewards Visa® Business Card

U.S. Bank Triple Cash Rewards Visa® Business Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% intro APR on for 15 months
  • Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants
  • Earn 1% Cash Back on all other eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months for balances transferred within 30 days from account opening.
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 29.99%
  • Foreign Transaction Fee: 3% of each foreign transaction in U.S. dollars
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

State Farm Business Cash Rewards Visa Signature® Card

State Farm Business Cash Rewards Visa Signature® Card
  • Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months
  • Processing Network Visa
Best Benefits
  • 3% cash back on insurance premium payments, up to $4,000 spent annually
  • 3% cash back at gas stations, cell phone service providers, office supply stores and on dining
  • $100 annual software subscription credit
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Penalty APR: 28.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 3% of each foreign transaction
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
  • Over Limit Penalty Fee: $40
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Capital on Tap Founder Rewards Business Visa

Capital on Tap Founder Rewards Business Visa
  • Regular Purchase APR 24.99%
  • Cash Advance APR 34.99%
  • Annual Fee $199
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Unlimited 2% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
  • Interest rates as low as 9.99%
Rates & Fees
  • Regular Purchase APR: 24.99%
  • Cash Advance APR: 34.99%
  • Penalty APR: 34.99% for 12 months
  • Annual Fee: $199
  • Late Payment Penalty Fee: $29
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Capital on Tap Regular Rewards Business Visa

Capital on Tap Regular Rewards Business Visa
  • Regular Purchase APR 24.99%
  • Cash Advance APR 34.99%
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Unlimited 1% cash back on every purchase
  • Up to 20 additional employee cards free of charge
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 24.99%
  • Cash Advance APR: 34.99%
  • Penalty APR: 34.99% for 12 months
  • Late Payment Penalty Fee: $29
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Brex Mastercard® Corporate Credit Card

Brex Mastercard® Corporate Credit Card
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
    Credit Card Deals
    card
    33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
    card
    New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
    card
    Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
    card
    Save 15% Monster Offer Expires on Dec 12, 2030 See Details
    card
    Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
    card
    Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
    card
    Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
    card
    Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
    card
    Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
    card
    Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

    Wyndham Rewards® Earner℠ Business Card

    Wyndham Rewards® Earner℠ Business Card
    • Regular Purchase APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
    • Balance Transfer APR 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
    • Cash Advance APR 25.24% variable based on the Prime Rate
    • Annual Fee $95
    • Credit Needed Excellent , Good
    • Intro Purchase APR 0% for 6 months on qualifying Wyndham Timeshare Purchases
    • Processing Network Visa
    Best Benefits
    • 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 60,000 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.
    Rates & Fees
    • Intro Purchase APR: 0% for 6 months on qualifying Wyndham Timeshare Purchases
    • Regular Purchase APR: 15.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
    • Balance Transfer APR: 15.99%, 19.99%, or 24.99% 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: 25.24% 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
    Credit Card Deals
    card
    Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
    card
    Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
    card
    Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
    card
    Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
    card
    Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
    card
    20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
    card
    20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
    card
    20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
    card
    30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
    card
    30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

    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.

    Best for: Startups and Corporations

    Divvy Credit Card

    Divvy Credit Card
    Spend Management and Business Cards Made Simple
    • 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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