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In 2011, I started my very first (official) small business and also opened my first business credit card. My personal credit wasn't very good, so the only issuer that catered to my credit score was Capital One® and I opened the Capital One® Spark® Classic for Business. I've since been able to build my credit and was recently approved for the The Business Gold Rewards Card from American Express OPEN.
You'll find both of those cards on the long list of the best business credit cards from our partners. The credit (and charge) cards listed below include a wide variety of fee options, rewards and spending perks so if you own a business and are in need of a business credit card, I'm very certain you can find a card that caters to your business spending habits just by scrolling down.
CompareWallet's Best Small Business Credit Cards
Ink Business Cash℠ Credit Card – Chase loves to give out the big up front bonuses for new cardholders and the Ink Business Cash℠ Credit Card is no exception. New cardholders can earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Earn 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. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn. There is no annual fee to carry the Ink Cash Business Card and it includes a an intro APR of 0% for 12 Months on purchases.
Capital One® Spark® Cash for Business – If cash back is what you're after, the Capital One® Spark® Cash for Business is your best bet. Earn 2% cash back on every purchase, every day AND a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. The on-going APR is 18.24% (Variable). The annual fee is $0 intro for first year; $95 after that.
Capital One® Spark® Miles for Business – A mirror image of it's cash counterpart, the Capital One® Spark® Miles for Business is the perfect fit for a business that finds itself on the road often. 2 miles per $1 on every purchase, every day, which provides the best return for a travel business card. There is a One-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening. The ongoing purchase APR is 18.24% (Variable) and again, the annual fee is $0 intro for first year; $95 after that.
Capital One® Spark® Classic for Business – As mentioned above, this was my very first business credit card, and it's designed for people and businesses with less than excellent credit (the only card on our list with this distinction). The rewards program on the Capital One® Spark® Classic for Business is not as strong as others, 1% Cash Back on every purchase, every day. Perhaps the biggest benefit of the Capital One Spark Classic for Business is the $0, but the purchase APR is a very high at 24.24% (Variable).
*Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.