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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First Bank Business Edition® Mastercard® with Reward Simplicity

First Bank Business Edition® Mastercard® with Reward Simplicity
  • Regular Purchase APR 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn unlimited 1.5% Cash Back rewards on every purchase
  • 0% Intro APR for the first 12 months on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 12 months
  • Regular Purchase APR: 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 14.24% to 20.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 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
  • Foreign Transaction Fee: 3% of the transaction in U.S. dollars
  • Return Payment Penalty Fee: $35
  • Over Limit Penalty Fee: $39
Credit Card Deals

American Express® / Business Extra® Corporate Card

American Express® / Business Extra® Corporate Card
  • Regular Purchase APR See Terms
  • Annual Fee $75 per cardmember
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: See Terms
  • Annual Fee: $75 per cardmember
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
Credit Card Deals

United℠ Business Card

United℠ Business Card
  • Regular Purchase APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $0 for the first year; $99 after that
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
  • Earn 2X miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges
  • Earn 2X miles per $1 spent on dining, including eligible delivery services
  • earn 2x miles per $1 spent at gas stations, office supply stores, and on local transit and commuting
  • Earn 1X mile per $1 spent on all other purchases
  • Free first checked bag – save up to $140 per roundtrip
  • Earn a $100 United travel credit after qualifying flight purchases
  • 5,000 better-together anniversary bonus miles when you have the UnitedSM Business Card and a personal United credit card
  • 25% back on United inflight purchases
  • Priority boarding on United-operated flights
  • Employee cards at no additional cost
Rates & Fees
  • Regular Purchase APR: 16.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 23.49% 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: $0 for the first year; $99 after that
  • Late Payment Penalty Fee: $40
  • Return Payment Penalty Fee: $40
Credit Card Deals

Hilton Honors American Express Business Card

Hilton Honors American Express Business Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • Complimentary Hilton Honors Gold status
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply
  • Free Weekend Night Reward after spend $15,000 within calendar year
  • Second Weekend Night Reward from Hilton Honors after spending $60,000 within calendar year
  • 10 free visits to over 1,000 Priority Pass airport lounges every year
  • Spend $40,000 to be upgraded to Diamond status
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and Prime Rate
  • Cash Advance APR: 25.24% 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: 29.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
Credit Card Deals

Business Advantage Unlimited Cash Rewards Credit Card

Business Advantage Unlimited Cash Rewards Credit Card
  • Regular Purchase APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for the 9 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • 0% Intro APR on purchases for 9 billing cycles from account opening
Rates & Fees
  • Intro Purchase APR: 0% for the 9 months
  • Regular Purchase APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.24% to 22.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
  • Cash Advance APR: 24.24% 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: N/AP TO $49
Credit Card Deals

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

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

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 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.
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

BuyPower Business Card™

BuyPower Business Card™
  • Regular Purchase APR 16.99% variable based on the Prime Rate
  • Cash Advance APR 24.9% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 12 months from account opening
  • Processing Network Mastercard
Best Benefits
  • 5% back GM parts, accessories and service at authorized GM Dealers
  • 3% back at gas stations, restaurants and office supply stores
  • 1% back on all other purchases
  • Add employee cards at no cost
  • No limit on earnings, points never expire
  • No annual fee or foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months from account opening
  • Regular Purchase APR: 16.99% variable based on the Prime Rate
  • Cash Advance APR: 24.9% 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 $38
Credit Card Deals

Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card
  • Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $125
  • Credit Needed Excellent , Good
  • Processing Network American Express
Best Benefits
  • 6X Marriott Bonvoy Points per $1 at participating Marriott Bonvoy hotels
  • 4X points per $1 at U.S. restaurants, gas stations, wireless telephone services, and on shipping purchases
  • 2X points on all other eligible purchases
  • Complimentary Marriott Bonvoy Silver Elite Status
  • 1 Free Night Award each year after cardmember anniversary
Rates & Fees
  • Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 25.24% 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: 29.24% variable based on the Prime Rate
  • Annual Fee: $125
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: $39
Credit Card Deals

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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Get the credit & software your business needs to thrive.

Divvy Credit Card

Divvy Credit Builder

Build credit, earn rewards, and enjoy seamless business software integration w/ no minimum deposit.

Divvy Credit Card

Divvy Credit Card

Unparalleled flexibility, seamless software integration, impressive rewards, and scalable credit lines.