The variety of offerings on the best business credit cards is extensive. From travel to rewards to cash back to online account management features, smart business decisions like this shouldn’t be rushed. Using your personal credit card to make business purchases? Don’t! This common mistake can create an accounting nightmare. Get a credit card specifically tailored to small business and use it to charge all of you business purchases.
Earn cash back, rewards, miles and more with a small business credit card.
Nearly all of the small business credit cards include some type of rewards tailored to small business. Use your card consistently and get free travel, cash back, savings on business-related items and more. Apply online for a business credit card and get instant approval. From the WSJ Online, pick the right credit card for your business.
There’s no better time than the present to take advantage of all of the many benefits that a business credit card can offer. With all of the bonuses and rewards available having one in your wallet is just smart business. One good example of a card for start-up businesses is the American Express Simply Cash(SM) that offers 0% APR for 12 months and the opportunity to earn 5% cash back on automobile gas, office supplies, and wireless services. Similarly, the Chase Platinum Visa® Business Card offers 0% introductory APR for up to 12 months along with free online reporting and quarterly reports that enable you to monitor your business spending.
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Editor's Rating:
8.5
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Consumer Rating: (3 ratings)
9.7
| Intro APR: |
0% apr on purchases |
| Regular APR: |
As low as 15.67% |
| Annual Fee: |
None |
| Intro Period: |
until December 2009 |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Above Average
|
Don't know your Credit Score? Click here
- Earn triple rewards for purchases in your category of choice and one mile per dollar on all other purchases
- Choose from the following categories when you apply for this card: Travel and Lodging, Gas and Service Stations, Building Supplies and Hardware, Computers and Electronics, Office Supplies and Furniture, Advertising and Shipping.
- 0% APR on purchases until December 2009
- 0% APR on transferred balances until December 2009
- No Annual Fee
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Editor's Rating:
9.5
-
Consumer Rating: (2 ratings)
10.0
| Intro APR: |
* |
| Regular APR: |
7.99% |
| Annual Fee: |
None |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR (based on Prime) on Purchases
- NEW! Unlimited Rewards*
- Earn cash back, travel, merchandise and more
- 1 point for every dollar in purchases
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Editor's Rating:
8.0
-
Consumer Rating: (1 ratings)
8.0
| Intro APR: |
0% |
| Regular APR: |
13.99% |
| Annual Fee: |
None |
| Intro Period: |
12 Months - P |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% Intro APR for 12 months on purchases and 3.9% intro APR for 6 months on balance transfers
- 12,000 Bonus Miles*
- Earn 5 to 20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
- No annual fee
- Earn Double Miles on travel and gas*
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Editor's Rating:
8.0
-
Consumer Rating: (1 ratings)
8.0
| Intro APR: |
0% |
| Regular APR: |
As low as 15.67% |
| Annual Fee: |
None |
| Intro Period: |
Until December 2009 |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Above Average
|
Don't know your Credit Score? Click here
- 0% APR on purchases until December 2009
- 0% APR on transferred balances until December 2009
- Earn 1% cash back on everything you buy from day one
- Get a 25% bonus each year on the cash you earned the previous year
- No Hassle Cash is easily and quickly redeemable online or by phone
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Editor's Rating:
9.0
-
Consumer Rating: (2 ratings)
10.0
| Intro APR: |
0% |
| Regular APR: |
8.49% |
| Annual Fee: |
None |
| Intro Period: |
12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Save with 0% Intro APR for up to 12 months*
- Free Online Reporting - Quarterly reports enable you to monitor your business spending.
- No Annual Fee
- Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
- Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
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Editor's Rating:
8.0
-
Consumer Rating: (1 ratings)
7.0
| Intro APR: |
0% |
| Regular APR: |
6.99% |
| Annual Fee: |
None |
| Intro Period: |
12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 3% Cash Back for eligible purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores.*
- 1% Cash Back on all other purchases.*
- 0% Intro APR for up to 12 Months*
- No Annual Fee
- FREE additional cards for your employees, FREE quarterly reports, and other online account management tools to help you keep track of your business expenses
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Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
0% |
| Regular APR: |
15.99% |
| Annual Fee: |
None |
| Intro Period: |
3 Billing Cycles |
| Balance Transfer: |
No |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- No interest for 90 days on purchases*
(THIS IS NOT AN INTRODUCTORY OFFER) - Business Rewards Program with travel, merchandise and cash*
- Get a generous credit limit for your business expenses
- All with no annual fee
-
Editor's Rating:
8.5
-
Consumer Rating: (2 ratings)
8.0
| Intro APR: |
0% |
| Regular APR: |
As Low As 5.00% |
| Annual Fee: |
None |
| Intro Period: |
Up To 12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Earn 5% cash back on office supplies and wireless services
- Earn 3% cash back on automobile gas purchases of up to $12,000 per year; 1% thereafter
- Earn 1% cash back on virtually all other purchases
- No limits to the cash back you can earn
- Automatic cash back every month
There are options for bad credit business needs.
If your personal credit history is bad, see if your business can qualify on its own. You may not need to get apply for a bad credit business loan. If your credit score is not the best but still falls within the “fair” range, you might be able to qualify for one of Capital One’s No Hassle cards. The Visa® Business Platinum with No Hassle Cash(SM), for example, lets you earn points for every dollar spent while the Visa® Business Platinum with No Hassle Miles(SM) features 0% introductory APR on purchases until January 2009 and double miles on all travel related purchases.
Remember: It is important to utilize a dedicated small business credit card.
Any accountant will tell you that using your small business credit card for personal purchases will be a nightmare come tax time. Choose one of the best business credit cards based on your company’s needs and use it exclusively for business-related expenses. Many of the small business credit cards, such as the Platinum Business Credit Card from Open(SM) the Small Business Team, have included features that specifically benefit small business like 0% introductory APR for up to 12 months on purchases and discounts on business purchases at companies like FedEx®, Delta®, Hertz®. The online comparison tool from CompareCards.com will give you a closer look at all of the best business credit cards available.
You also might want to check out more information on small business credit cards, chase business cards, and visa business credit cards.
