FINANCE

Business Credit Cards

Review the latest offers and find the right card for your growing business. Compare the latest small business and corporate credit offers from our partners to find the one that can help you keep your company's expenses on track and give you the buying power you need. Some business cards also reward you in the form of cash back or miles. Learn more in these articles and tips on credit cards for small business.

See offers from our partners below.

Updated: February 1, 2017

Card Rewards Rate Annual Fee Foreign Transaction Fee
Capital One® Spark® Cash for Business Unlimited 2% cash back $0 intro for first year; $59 after that $0
Capital One® Spark® Cash Select for Business Unlimited 1.5% cash back $0 $0
Capital One® Spark® Miles for Business Earn 2 miles per $1 on every purchase, every day $0 intro for first year; $59 after that $0
Capital One® Spark® Miles Select for Business Earn 1.5 miles per $1 on every purchase, every day $0 $0
Capital One® Spark® Classic for Business Earn 1% cash back on every purchase, every day $0 $0
Bank of America® Cash Rewards for Business MasterCard® Credit Card 3% cash back on purchases at gas stations and office supply stores 2% on purchases at restaurants

1% on all other purchases

$0 3% of the U.S. dollar amount of each transaction
Bank of America® Travel Rewards World MasterCard® for Business credit card Unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time

3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz

$0 $0
Ink Business CashSM Credit Card 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1% cash back on all other card purchases

$0 3% of each transaction in U.S. dollars

A credit card account helps establish credit in the name of your business, which opens the doors to financial flexibility. It also gives you a centralized payments channel, making expense tracking a breeze. Plus, keeping your business finances separate creates advantageous situations, such as calling interest payments a qualified

business expense. So, which card is best for your business? Consider the following factors, and you’ll be on your way to a well-informed decision:

Balancing act
Like many cards, you should have an idea of whether or not you will carry charges month-over-month. If you will, look for cards with lower interest rates. Some business credit card may offer 0 percent introductory offers as well. On the other hand, if you pay charges off in full every month, you’ll want to look for the card with the most benefits.

Rewards for your spending
You’ll also want to look into potential rewards offers on these cards. Start by examining your expenditures. Take a close look at items such as phone services, internet and office supplies. Make sure you choose a card that rewards you for purchases of those regular necessities. Fly a lot for your business? Find a card that offers a sign-up bonus or a strong miles earnings rate. Do you have clients to entertain for nights on the town? Find a card with strong restaurant rewards. Are you driving around town to get things done? Consider a gas card.

Those who aren’t sure where to start, or who don’t have excessive spending in any one category, can find cash back offers ranging from 1-5 percent. Some of these cash-back benefits may apply to certain categories only, so knowing what you spend the most money on will help you maximize those rewards.

Fees and other fine print
Cards with 0 percent APR deals can come in handy for those owners who need to make a substantial business purchases but aren’t sure how to finance it. Another consideration is whether you can get additional cards for employees, preferably at little to no cost to you as the owner.

When it comes to the issue of fees, it’s important to do the math and see if the potential rewards outweigh the costs.

Finally, near the end of the decision-making process, consider fringe perks. Certain cards can give you access to travel lounges, early flight boarding and free checked baggage.

Want more information?
Our business credit card reviews can help you compare offers to find the one that best suits your needs. 

Join the Discussion


We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.


Category: Business card

Similar articles: