Home Small Business Credit Cards Small Business Credit Cards Small business cards help owners keep business and personal spending separate, which simplifies bookkeeping and tax time. Many earn extra rewards on common business categories and offer employee cards with spending controls. Most require a personal guarantee, so your personal credit is part of the application.
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76 cards · select up to 3 to compare side by side
Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash… Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary…
Annual fee $95
Recommended credit Excellent / Good
Purchase APR 20.74% to 25.74% Variable 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
Annual fee None
Recommended credit Excellent / Good / Fair Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in… Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
Annual fee $150
Recommended credit Excellent Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 20 months from account opening date 2X points for every dollar spent on eligible purchases at amextravel.com 1X points on all other purchases Unlimited earnings
Annual fee $0 for the first year, then $95
Recommended credit Excellent
Purchase APR 19.49% to 27.49% variable based on creditworthiness and the Prime… Welcome Offer: Earn 130,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card… Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you…
Annual fee $695
Recommended credit Excellent
Purchase APR See issuer terms U.S. Bank Business Altitude™… Mastercard
Earn 6X points on on hotels and car rentals booked in the U.S. Bank Rewards Center 2.5X points on up to $5,000 in mobile wallet purchases each quarter
Annual fee $195
Recommended credit Excellent / Good
Purchase APR 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash… Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary…
Annual fee $95
Recommended credit Excellent / Good
Purchase APR 20.74% to 25.74% Variable $300 statement credit bonus after spending $3,000 with 90 days 3% cash back on the category of your choice
Annual fee None
Recommended credit Excellent
Intro APR 0% for 9 months from account opening date 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate based on your… Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies…
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 12 months from account opening date Limited time offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within… Earn 2% back in the top two categories where you spend the most each month automatically
Annual fee $0 for the first 12 months. After that, $95
Recommended credit Excellent
Intro APR N/A Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone
Annual fee None
Recommended credit Good / Fair
Purchase APR 30.49% variable based on the Prime Rate Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional… 9,000 bonus points after your Cardmember anniversary.
Annual fee $199
Recommended credit Excellent / Good
Purchase APR 20.99% to 27.99% variable based on creditworthiness and the Prime Rate Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your… Up to 60 days to pay with no interest
Annual fee $250
Recommended credit Excellent 6X points on JetBlue purchases 2X at restaurants and office supply stores
Annual fee $99
Recommended credit Excellent
Purchase APR 21.24% or 30.24% variable based on creditworthiness and the Prime Rate Unlimited 2% cash back on every purchase Up to 20 additional employee cards free of charge
Annual fee $199
Recommended credit Excellent / Good / Fair
Purchase APR 17.74% to 35.99% variable based on the Prime Rate Enjoy 0% intro APR for 9 months on purchases Earn 3% cash back on gas purchases, 2% at restaurants and supply stores (up to $2,000 in combined spend in 2% and 3%…
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 9 months from account opening date 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
Annual fee $95
Recommended credit Excellent / Good
Intro APR 0% for 6 months on qualifying Wyndham Timeshare Purchases Enjoy the lowest interest rates for businesses that Synovus has to offer 0% introductory APR for the first 12 months on purchases, balance transfers and overdraft protection
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Earn 5X miles on hotel and rental car bookings through Capital One Travel Earn unlimited 2X miles per dollar on every purchase
Annual fee $0 for the first year. After that, $95
Recommended credit Excellent
Purchase APR 25.99% variable based on the Prime Rate Accept Card Payments With ProPay® Earn rebates with Mastercard Easy Savings®
Annual fee $119.40 ($9.95 per month)
Recommended credit Poor / No Credit Required Earn up to 3X points on purchases 0% intro APR for 6 months on purchases
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date 3X points on up to $3,000 in net spending each quarter for purchases in a Dynamic Earn spending category of your choice 1X points on all other eligible purchases, with no points limit
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Online exclusive: $300 statement credit bonus after spending $3,000-in the first 90 days Unlimited employee cards at no additional cost
Annual fee None
Recommended credit Excellent
Intro APR 0% for 7 months from account opening date Earn unlimited 1.8% cash back on every purchase No rotating categories on enrollments required to earn cash back
Annual fee None
Recommended credit Good
Intro APR 0% for 15 months from account opening date 2 reward points per $1 spent 3.5% introductory point bonus in the first 90 days
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 7 months from account opening date Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market…
Annual fee None
Recommended credit Excellent / Good
Purchase APR 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Earn 3% cash back on common business-related expenses, including cellular services, internet services, office supplies… Earn 2% cash back on travel-related purchases, including airlines and vehicle rentals
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Enjoy 0% intro APR for 12 months on purchases Add authorized cardholders at no additional charge
Annual fee None
Recommended credit Excellent / Good / Fair
Intro APR 0% for 12 months from account opening date 0% introductory APR on purchases and balance transfers for six months $300 statement credit after spending $3,000 on purchases within the first three motnhs
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date No annual fee Get $1,000 back after spending $7,500 in the first 90 days Or get $500 after spending spend $5,000 in the first 90 days
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in… Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the…
Annual fee $95
Recommended credit Excellent / Good
Purchase APR 20.99% to 29.99% variable based on creditworthiness and Prime Rate No balance transfer of cash advance fees Help the Childre's Miracle Network with every transactio
Annual fee None
Recommended credit Excellent / Good
Purchase APR 9.80% to 12.25% variable based on creditworthiness and the Prime Rate Credit limit up to $250,000 Earn up to 3% cash back rewards
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Earn 30,000 bonus points after spending $3,000 in the first 90 days Earn 3X points on cellular services, internet services, office supplies, cable TV and telecommunication
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date 0% introductory Purchase APR for 6 months Zero liability for unauthorized purchases, including online expenditures
Annual fee None
Recommended credit Excellent
Intro APR 0% for 6 months CURewards - earn points for everyday purchases and recurring bills, redeem for travel and vacations, electronics, car… Mastercard benefits like ID Theft Protection, Global Service, Airport Concierge and more
Annual fee None
Recommended credit Good
Purchase APR 12.49% variable based on the Prime Rate Earn unlimited 1.5X miles on every purchase No foreign transaction fee
Annual fee None
Recommended credit Excellent
Intro APR 0% for 9 months from account opening date 0% introductory APR on purchases and balance transfers Earn up to 3X points on purchases
Annual fee None
Recommended credit Excellent / Good
Purchase APR 19.49% variable based on the Prime Rate 0% introductory APR on purchases for 6 months after account opening Lower interest rates than a personal credit card
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date Earn 5 points per $1 with no spending categories No limit to the amount of points you can earn
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 9 months after account opening 25% annual bonus based on your cash rewards - up to $250 No expiration on cash back earned or the total rewards you can earn
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 15 months from account opening date Earn a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market.…
Annual fee None
Recommended credit Excellent / Good
Purchase APR 19.49% to 27.49% variable based on creditworthiness and the Prime Rate 1.00% year-end rebate on purchases No balance transfer fees
Annual fee None
Recommended credit Excellent / Good
Purchase APR 12.50% variable based on the Prime Rate 0% introductory APR for 6 months on purchases Your business can earn 1 point for each $1 spent on qualifying purchases
Annual fee None
Recommended credit Excellent
Intro APR 0% for 6 months from account opening date Earn 1 point for every dollar spent on purchases Receive 10,000 bonus points after making $500 in purchases in the first 90 days
Annual fee None
Recommended credit Excellent / Good
Purchase APR 16.40% to 17.99% variable based on creditworthiness and the Prime Rate 0% introductory APR on purchases for the first 18 months from date of account opening Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 18 months from account opening date Earn 1 point per dollar spent No cap on points earnable
Annual fee None
Recommended credit Excellent / Good
Purchase APR 14.15% to 18.00% variable based on creditworthiness and the Prime Rate 0% introductory APR for 6 months on purchases and balance transfers Generous credit lines offered
Annual fee None
Recommended credit Good / Fair
Intro APR 0% for 6 months from account opening date Easily earn rewards points for every $1 spent 0% introductory APR on purchases for first 9 months from date of opening account
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 9 months from account opening date Earn 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and… 2% cash back on restaurant and gas station eligible net purchases
Annual fee None
Recommended credit Good / Fair
Intro APR 0% for 6 months from account opening date 0% APR for 18 months on purchases 0% APR for 18 months on balance transfers
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 18 months from account opening date 0% introductory APR on purchases and balance transfers for 6 billing cycles Annual fee of $75 waived for first year; annual fee waived each year your company spends $15,000 or more
Annual fee None for the first year. After that, $75
Recommended credit Excellent / Good
Intro APR 0% for 6 months from account opening date No fees for cash advances or balance transfers Annual fee waived if card is used once every 12 months
Annual fee $25
Recommended credit Excellent / Good
Purchase APR 9.99% to 18.00% variable based on creditworthiness and the Prime Rate Earn 10 points per $1 in combined purchases on gas, restaurants, travel, and telecommunications Earn 5 points per $1 in other eligible purchases
Annual fee None
Recommended credit Good / Fair
Intro APR 0% for 6 months from account opening date Black Hills Federal Credit Union… Visa
No annual fee, no cash advance fee and no balance transfer fee Grace period on purchases
Annual fee None
Recommended credit Good / Fair
Purchase APR 8.90% to 17.9% variable based on creditworthiness Earn 500 bonus Scorecard Rewards instantly Earn 1 point on every $1 spent
Annual fee None
Recommended credit Excellent / Good
Purchase APR 14.65% to 17.90% variable based on creditworthiness and the Prime Rate Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening 0% intro APR on purchases and balance transfers for 15 months
Annual fee None
Recommended credit Good / Fair
Intro APR 0% for 15 months from account opening date No annual fee, no cash advance fee and no balance transfer fee Earn 1 point for every $1 spent, towards travel, merchandise, experiential, and more
Annual fee None
Recommended credit Good
Intro APR 2.90% for 12 months from account opening date Earn 1 point for every dollar spent No cap on amount of points you can ear
Annual fee None
Recommended credit Excellent / Good
Purchase APR 14.15% to 18.00% variable based on creditworthiness and the Prime Rate Earn a one-time $500 cash bonus for spending $4,500 within the first 3 months •Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
Annual fee $0 intro for the first year, $95 thereafter
Recommended credit No Credit Required
Purchase APR 26.99% variable based on the Prime Rate 10-20X higher limits than traditional business credit cards No personal guarantee required
Annual fee None
Recommended credit Excellent / Good Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on… Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and…
Annual fee $0
Recommended credit Excellent / Good
Intro APR 0% intro APR on purchases for 12 months Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business…
Annual fee $195
Recommended credit Excellent / Good Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Earn unlimited 1.5% cash back on every purchase made for your business
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for the first 12 months from the date of account opening No annual fee and no draw fee Includes flex line, similar to a line of credit and only pay for what you use
Annual fee None
Recommended credit Poor / No Credit Required
Purchase APR See Terms* Additional employee cards at no extra cost No balance transfer fees
Annual fee None
Recommended credit Excellent / Good
Purchase APR 13.70% to 23.70% variable based on creditworthiness and the Prime Rate 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
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 12 months on transfers made within 90 days from account… 0% introductory APR for the first 12 months after opening account No foreign transaction fees
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for 12 months from account opening date 5% back in rewards on most BJ's purchases 15¢ off/gal. at BJ's Gas®
Annual fee None
Recommended credit Excellent / Good
Purchase APR See issuer terms Unlimited 1% cash back on every purchase Up to 20 additional employee cards free of charge
Annual fee None
Recommended credit Excellent / Good / Fair
Purchase APR 17.74% to 35.99% variable based on the Prime Rate 5% cash back on purchases at Lowe's 3% cash back at restaurants, office supply stores & wireless telephone services
Annual fee None
Recommended credit Excellent / Good
Purchase APR 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Introductory APR of 0% for 13 months on balance transfers Add, activate, or close employee cards and set spending limits for each
Annual fee None
Recommended credit Good
Intro APR 0% for 13 months on transfers made within 90 days from account… Introductory APR of 0% for 13 months on balance transfers Add, activate, or close employee cards and set spending limits for each
Annual fee None
Recommended credit Good
Intro APR 0% for 13 months on transfers made within 90 days from account… Earn $250 cash back when you spend $1,500 in eligible purchases within the first 90 days Earn 1% Cash Back on purchases
Annual fee None
Recommended credit Excellent / Good
Purchase APR 18.99%, 23.99% or 28.99%, variable based on creditworthiness and the… California Bank & Trust AmaZing… Visa
0% introductory APR on purchases for the first 6 months Earn 3X points on office supplies, plus phone and computer network services
Annual fee None
Recommended credit Excellent / Good
Intro APR 0% for the first 6 months What to look for Bonus categories that match your business: office supplies, shipping, advertising or travel. Employee cards: check whether additional cards cost extra and what controls are available. Personal guarantee: you are usually personally responsible for the debt even if the account is in the business name.
