Business credit cards are credit cards that are designed for business owners both big and small. Once you have a business such as a LLC or Corporation, it may be time to apply for a card that you can use for business expenses such as office furniture, advertising and more. Compare the cards below to find a card that may best suit your business needs. Be sure to compare the fees, the introductory rate, features and more. Also, be sure to know that most of the cards listed below are going to be tied to your personal information. In today's economy it's hard to find a card that offers no personal guarantee. All business cards that are listed below are going to require that you have an EIN, as well as a SSN (social security number). Most of the cards below are going to reward you with everyday spending, so be sure to compare at least three before making your decision!
Small Business Credit Cards

  • 3% cash back on fuel, home improvement, dining and office suplly pruchases.
  • Unlimited 1% cash back on purchases.
  • No annual fee.
  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
  • No annual membership fee 
  • No limit to the number of points you can earn - and points never expire  
  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as American Express® Membership Rewards® points*  
  • No annual fee.
  • The Everything, Everywhere Trade Terms Card(SM) from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management too
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare | 2X points on advertising, gas, and shipping | 1X points on everything else*
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual membership fee of $50 - and this fee is waived for the first year
  • Earn over 50,000 bonus points in your first year.
  • $100 cash back after first purchase that's 10,000 bonus points*   
  • First year free ($95 value)
  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
  • $0 intro annual fee for the first year, then $95
  • Check your first bag FREE – for up to 9 people on your reservation – on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In–Flight Savings
PEX Visa® Prepaid Card for Business
  • Manage your spending for your staff in the field. A great afternative to credit cards, petty cash.
  • Control your spending limits.
  • No transaction or card load fees - simple pricing. There is no credit check required!

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Tips to Know

 

Business credit cards are a great asset to have your for your business. This is by far one of the easiest ways to obtain credit when you’re looking to add much needed cash to your small business. Whether you need it for advertising, or office supplies, you’re going to find that many of the cards mentioned above are the perfect fit for your business.

 

Before you set out to find a card for your business, there are a few things that you’re going to want to consider before you apply for a card.

  1. The annual percentage rate (APR)
  2. The fees associated with the card itself
  3. Are there any reward programs to take advantage of?
  4. What is the typical line of credit you can get?
  5. What kind of additional feature are there?

These are all things that you’re going to want to consider when looking at the cards. You’re going to find that many of the cards out there are going to vary in features, fees and more. You will also want to make sure that you look into various reviews across the web to ensure that you’re getting a card that is going to work great for your business.

 

Interest rates with your card is going to vary from time to time as well so be sure to look into the fine print to ensure that you're getting the best for your business. Many owners decide to apply for the card but soon find out that the terms and conditions change rather fast.

While these cards are fantastic for helping your business with paying off much needed expenses, be sure to spend responsibly, as well as choose a card that fits your business the best. By doing so, you’re going to find that you should be able to fit one out that works best for you.

 

Using Your Card

 

Yes, you have a business now, but there is no reason that you can just go out and spend. Instead, you're going to want to make sure that you treat this just as if it's a personal card. Be sure to only purchase what you need, as well as what you can afford. If you're finding that a small business credit card doesn't offer the credit line you require or it's something that you aren't interested in, it may be beneficial to look into small business loans. Like a credit, a business loan can work in the same way, sometimes even offering a larger credit line. Even if you don't think a loan such as this could help, it's always best to compare the two before making a decision.

 

Just like a personal card, you're going to want to make suer that you pay the bill off in full each month. As a business owner, it's really tempting to spend the cash you're going to find that it's going to be treated differently. Pay the bill off in full each and every month so that you can avoid all interest rate charges.

 

Airline Cards
are a great way for any business to gain free airline miles for every dollar they spend Business airline miles credit cards are simple. Depending on the carrier. You'll generally get a few miles for every dollar you spend.
Cash Back Cards
are for those looking to get cash back on every purchase they make. These cards are great if you're looking to get a cash back rebate on every purchas you make. Some cards will allow you to get up to 20% on particular purchases!
Gas Cards
are for businesses that generaily have a bigger fleet of vehicles. Business gas cards for those looking save up to 10% on gas purchases. It's always nice to pull up to the pump and save.
Business Credit Reviews
are for those looking get reviews on a particular credit card. with so many small business cards on the market, It's hard to decide which one will fit your business model. Road our exclusive reviews and see which one is for you and your company.
Business Blog
is for any business owner regardless of the size of tthe business. From tips on how tp increase sales to great websites to get resources for your company, our blog is updated frequently for your enjoyment.
FAQs
are for business owners looking to get the answers to the questions they may have. If you have particular question, feel free to contact us and we will do our best to help find the answers you need.

Checklist


What is the APR for the card? Be sure to look at the fine print as these may be introductory periods.

 

What is the annual fee? Can you afford this annual fee? Can you justify it?


What kind of rewards are there? If you're worried about getitng rewards, what kind of rewards can you get with this card? What sets it above the rest?


What are the reviews? What are other people saying about the card? Are you getting great vibes about the card, or are other people saying bad things about it?

 

What are the credit limits? While many companies don't come out forward to tell you the credit limit you're going to get, it doesn't hurt to research the limit itself.

 

Can you get addtional cards? If you have employees, you're going to want to see if you can get cards for your employees.

 

Any other features? What are the other features that you can get with the card? How is the customer service?

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Partner Morgan Chu