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The Best Small Business Credit Cards for November 2019

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The Best Small Business Credit Cards for November 2019

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Nov 01, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

There are many reasons to have a small business credit card. You can use it to turn everyday business expenses into free travel. You can use it as a way to manage the expenses of your employees. It can be used as working capital to finance your business. Or, you could just use it to get into an airport lounge.

Before selecting a small business credit card, you really need to figure out why you want one. There is typically not a single credit card that solves all of your problems. And, as a growing business, you will probably want to have a few of these cards anyway. We have organized our recommendations based on how you are going to use the credit card. Here are our top picks:

Travel Rewards

Why you would want a travel rewards card for business

If your primary objective is to turn your small business spending into free travel, consider a card where you can earn travel rewards. If you are loyal to a particular airline, jump ahead. Otherwise, consider our top travel rewards choice — the Capital One® Spark® Miles for Business.

  • Unlimited 2x miles per dollar

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more. Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening.

  • Redeem miles with any airline and any hotel

Highlights
  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Spark® Miles for Business

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If you don’t have a favorite airline: Marriott Bonvoy Business™ American Express® Card

  • 6x points at participating Marriott Bonvoy hotels.

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.

Highlights
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels. 
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees

See additional details for Marriott Bonvoy Business™ American Express® Card

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If you want the flexibility of being able to earn miles in most of the airline programs on a single card, the Marriott Bonvoy Business™ American Express® Card is for you.  Earn 6x points at participating Marriott Bonvoy hotels, 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases. With this card you can transfer your points to over 30 popular airline frequent flyer programs (mostly on a 1:1 basis). Since you have the flexibility of transferring points to numerous frequent flyer programs, you will have an easier time selecting flights on trips. If you had a card exclusive to one airline, you would be limited to the availability that airline has when traveling. But with the Marriott Bonvoy Business™ American Express® Card you will have a wide selection of airlines to choose from and will benefit from easier flight bookings.

This card comes with additional benefits that can come in handy during business purchases and trips, such as extended warranty, travel accident insurance, 24/7 global assist hotline, and more.

There’s also a welcome offer of 75,000 Bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.

This card is great for businesses that frequently travel and want a card that will earn them versatile travel rewards. As for foreign transaction fees on international purchases, there are none — so you have peace of mind when traveling anywhere.

If you’re loyal to an airline

If you fly a lot with one particular airline, it can make a lot of sense to just “top up” your mileage balance by using an airline credit card. If you often find yourself short of enough points to cover a flight, an airline credit card is a great way to earn those extra points.  Points will be redeemable through the airline’s frequent flyer program. By spending with an airline credit card, you will see your rewards balance accumulate faster. In addition, the airline credit cards typically have benefits that can be very useful while traveling — like a free bag allowance.

Here are some cards dedicated to the biggest airlines:

  • Earn 70,000 points

  • 3 points per $1 spent on Southwest® purchases

  • 9,000 bonus points after your Cardmember anniversary

Highlights
  • Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
  • 9,000 bonus points after your Cardmember anniversary.
  • 3 points per $1 spent on Southwest Airlines® purchases.
  • 2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
  • 4 Upgraded Boardings per year when available
  • Inflight WiFi Credits
  • Global Entry or TSA Pre✓® Fee Credit
  • Employee cards at no additional cost, earn points on employee spending.

See additional details for Southwest Rapid Rewards® Performance Business Credit Card

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  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

  • 6,000 bonus points after your Cardmember anniversary

  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases. 1 point per $1 spent on all other purchases.

Highlights
  • Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
  • 6,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • Earn points on employee spending
  • Employee cards at no additional cost
  • No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
  • No foreign transaction fees

See additional details for Southwest Rapid Rewards® Premier Business Credit Card

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  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases

  • No foreign transaction fees and first check bag free on domestic itineraries

Highlights
  • Designed for businesses
  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • No Foreign Transaction Fees

See additional details for CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®

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  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.

  • Earn 2 Miles per dollar spent on purchases made directly with Delta*

  • Priority Boarding and 20% savings on eligible in-flight purchases*

Highlights
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
  • See Rates & Fees

See additional details for Gold Delta SkyMiles® Business Credit Card from American Express

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  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.*

  • Earn 2 Miles per dollar spent on purchases made directly with Delta

  • Priority Boarding & 20% savings on eligible in-flight purchases*

Highlights
  • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • Terms and limitations apply
  • See Rates & Fees

See additional details for Platinum Delta SkyMiles® Business Credit Card from American Express

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Cashback Rewards

Why you would want cashback rewards

A cashback card is a great way to earn money back from everyday business purchases. Business cashback cards typically offer a higher cashback rate on categories where you regularly spend, while some cashback cards offer a flat rate for all purchases. The following cards provide a great way for your business to earn cash back that can be applied as a statement credit or deposit. If you have higher spending in certain business categories (gas, office supplies), there are great options that will earn you a higher cashback rate in these categories. If you simply want a flat-rate cashback card, skip ahead.

If you spend a lot on gas: Bank of America® Business Advantage Cash Rewards Mastercard® credit card

  • 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.

  • $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening

  • Redeem rewards for cash back or apply them to your bank account

Highlights
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

See additional details for Bank of America® Business Advantage Cash Rewards Mastercard® credit card

More Info

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card is a great cashback card for small businesses that consider themselves “road warriors.” This card offers a high 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases. If your business is a big spender in gas, you will benefit from the high cashback for this category. For example, if you spend $25,000 a year on gas station purchases eligible for the 3% rate, that’s $750 in cash back.

You are able to redeem your cash back starting at $25 in the form of a statement credit or deposit into your BofA small business checking or savings account. This card has a $0 annual fee, allowing you to enjoy the cash back you earn at no yearly cost. In addition to cash back, this card offers a good intro period on purchases (0% for 9 billing cycles, after 13.99% - 23.99% Variable APR) that will benefit businesses looking to make a big purchase and avoid interest charges while they pay off their purchase. If you are looking for the best intro period, see our section below. BofA also gives business customers cash flow management tools that allow you to monitor spending, and travel and emergency services that add a layer of protection when traveling. Take note that this card is not for businesses that travel abroad as you’ll be charged a foreign transaction fee of 3% of the U.S. dollar amount of each transaction on all spending.

If you spend a lot on office supplies: Ink Business Cash℠ Credit Card

  • 0% for 12 Months

  • $500 bonus cash back

  • Earn 5% cash back in select business categories

Highlights
  • Earn $500 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 internet, cable and phone 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
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

See additional details for Ink Business Cash℠ Credit Card

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If your business typically spends at least $2,084 a month ($25,000 per year) at office supply stores, the Ink Business Cash℠ Credit Card will provide you with the highest cashback rate for these purchases. With this card you earn an incredibly generous rewards rate – Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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. This is a fantastic reward that you can redeem for cash back, travel, gift cards and more.

In addition to a great cashback rate for office supplies, the intro bonus for this card provides you with the chance to earn extra cash back. Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. This is a great way for you to earn bonus cash back on top of the cashback rewards you earn. Added benefits of purchases you make on this card include purchase protection and extended warranty protection. This card also offers a long intro period at 0% for 12 months on purchases (after 14.99% - 20.99% variable). Named as “A Great Card for Small Businesses” by Kiplinger’s Personal Finance in 2016, the Ink Business Cash℠ Credit Card will earn your business great cash back if you’re a big spender at office supply stores. The other Chase Ink Business card, Ink Business Preferred℠ Credit Card, earns rewards — not cash back — and is better suited for businesses that travel and don’t mind an annual fee.

Learn more about What credit scores get approved for Chase Ink cards?

If you just want a flat 2% on every purchase, everyday: Capital One® Spark® Cash for Business

  • 2% Cash Back for your business on every purchase, everywhere

  • Limited Time Offer: Earn up to $2,000 in cash bonuses. Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening

  • Redeem cash back for any amount at any time

Highlights
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

See additional details for Capital One® Spark® Cash for Business

More Info

As a small business owner, you have a lot of tasks to juggle and may not have the time to keep up with the various different cashback rates and caps for special categories. That’s where a flat-rate cashback card can earn you a great cashback rate on every purchase. The Capital One® Spark® Cash for Business card offers a great 2% Cash Back for your business on every purchase, everywhere. This is a fantastic rate that will earn your business consistent cash back on all purchases. Spending $60,000 a year ($5,000 a month) will earn your business $1,200 cash back. You are able to redeem cash back for any amount at any time, and cash back rewards won't expire for the life of the account.

This card comes with quarterly and year-end summaries as well as Visa® Business Benefits, including travel and purchase protections. This card does have an annual fee of $0 intro for first year; $95 after that. Each year you spend $4,750, you will earn enough cash back to pay for the card. Currently, Limited Time Offer: Earn up to $2,000 in cash bonuses. Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening. If your business doesn’t spend a lot in a particular category, you are better off with this flat-rate card, and you will enjoy great cash back and benefits.

If you don’t want to worry about categories: American Express® Business Gold Card

  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*

  • No foreign transaction fees & many helpful business tools*

Highlights
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees

See additional details for American Express® Business Gold Card

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Does your business spend a lot in some categories some years, then a lot in different categories in other years? No need to worry about that with the American Express® Business Gold Card. This card allows cardholders to get 4x membership rewards® points on the 2 select categories where your business spent the most each month*

The rewards categories for this card are as follows:

  • Airfare purchased directly from airlines.
  • U.S. purchases for advertising in select media (online, TV, radio).
  • U.S. purchases at gas stations.
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions.
  • U.S. purchases made at restaurants.
  • U.S. purchases for shipping.

The 4X reward rate applies to the first $150,000 in combined purchases from your top two spending categories each year. After you hit that cap, you’ll earn 1 point per dollar spent.

This card does charge an annual fee of $295.

Luxury

Luxury credit cards are a great way for your business to enjoy the best rewards and benefits. They typically come at a high annual fee, but if your business can support the fee, the benefits you will receive will outweigh the fee. Luxury credit cards provide first-rate benefits, including lounge access, travel and purchase protections, travel credits, versatile rewards and more. Whether your business wants to enjoy airline credits, travel insurance, or simply access an airport lounge — a luxury credit card is a great choice that will allow you to travel comfortably.

The Business Platinum® Card from American Express

  • Earn up to 100,000 Membership Rewards® points*

  • Complimentary access to over 1000+ airport lounges*

  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more*

Highlights
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees

See additional details for The Business Platinum® Card from American Express

More Info

The Business Platinum® Card from American Express is the most prestigious luxury credit card on the market. Although it comes with one of the highest annual fees of any card at $595, if your business spends enough to fund this card, the top-notch rewards will outweigh the fee. You’ll earn Membership Rewards® points on all your purchases — 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com and 1.5 Membership Rewards® points per dollar on each eligible purchase of $5,000 or more.

The best perks of this card come in the luxury travel benefits, and as any business worker knows, traveling is stressful. With Amex, you can rest easy with the numerous benefits they offer to make your traveling a breeze. You can enjoy access to the American Express Global Lounge Collection℠ — more than 1,200 airport lounges across 130 countries, including Centurion®, Delta Sky Club® and Priority Pass Select lounges.

When you select a qualifying airline and charge incidental fees, such as checked bags and in-flight refreshments, you will receive up to $200 a year in statement credits. No need to worry about being charged foreign transaction fees or how to get Wi-Fi access when traveling — you receive complimentary internet access with 10 Gogo single flight segment internet passes annually.

Want to avoid the long security checks at the airport? Apply for Global Entry or TSA Pre√®, and Amex will give you a fee credit. Booking any first- or business-class flight through American Express travel will get you 35% of your Membership Rewards® points back later, up to 500,000 bonus points per calendar year. Additionally, when you book travel through American Express, you’ll enjoy baggage and travel accident insurance, room upgrades, late checkout, food and beverage credit, Hilton Honors™ Gold status and Marriott Bonvoy Gold Elite Status, and more to make your business’s travel experience the best. Amex also has 24/7 concierge service ready to assist you at all times. If business travel is a large part of your small business and you plan on maximizing your purchases to earn the seemingly endless benefits that this card offers, the annual fee is worth it.

Borrowing

As a small business you may need to carry a balance from time to time. Though carrying a balance isn’t ideal, there are options for your business to save money on interest payments. If you have an existing balance on a credit card, you can transfer it to a credit card that offers a long intro period with 0% intro APR. This way you will be able to pay off your balance over several months (usually nine, 12, or 15) at no interest. Note that most balance transfers come with a 3% fee, but this is negligible compared to the amount of money you’ll save on interest.

Borrowing cards are also great if your business is planning on making a large purchase. Compared to making the purchase on an existing credit card and being charged interest when you don’t pay in full, purchases on a 0% intro period card won’t accrue interest during the intro period, allowing you plenty of time to pay off your purchase. Whether you need a borrowing card for a balance transfer or for a large purchase, you will have the opportunity to pay off your balance interest-free during the 0% intro period.

The best small business credit card for borrowing: The Blue Business® Plus Credit Card from American Express

  • 0% for 12 Months, then 14.74% - 20.74% Variable

  • Earn 2X points on everyday business purchases up to the annual cap

  • Enjoy the flexibility to put more purchases on the Card

Highlights
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees

See additional details for The Blue Business® Plus Credit Card from American Express

More Info

The Blue Business® Plus Credit Card from American Express is a great choice for businesses that have existing debt on a credit card or are looking to make a big purchase. With this card you will receive a long intro period on both purchases and balance transfers — 0% for 12 months on purchases and 0% for 12 months on balance transfers. After, it’s 14.74% - 20.74% variable for purchase APR and 14.74% - 20.74% variable for balance transfer APR.

And, there is a $0 annual fee. This is a great length of time for you to transfer an existing balance from another card and pay it off interest-free. Or if you plan on making a large purchase that you’re unable to pay off within a month, this card offers over a year for you to pay it off, without accruing any interest. Keep in mind balance transfers will be charged a fee — Either $5 or 3% of the amount of each transfer, whichever is greater. But the interest you will save from making the transfer often outweighs the fee.

In addition to a fantastic intro period, this card will earn you Membership Rewards points and offers a lot of other benefits, including travel and purchase insurances, extended warranty, purchase protection, and more. If your business is racking up interest charges on overdue balances or planning on making a large purchase, this card provides you with the time to pay off your balance.

Tip: Just watch out for international spending — the card comes with a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

FAQ

What makes a good business credit card?

A good business credit card should have a variety of features that set it apart from personal credit cards and business loans. Business credit cards are a good way for your business to build credit, track spending and earn rewards. When searching for a business credit card you should choose a card with the following benefits:

  • Free employee cards
  • Intro bonus and intro 0% APR period
  • Rewards program
  • Business spending reports
  • Free credit score and credit monitoring tools
  • Business credit reporting
  • No foreign transaction fee

Are credit cards geared toward small businesses?

Yes, there are numerous credit cards that are geared toward small businesses. The cards in this post are all designed for small businesses, unlike standard personal credit cards. Most small business credit cards offer features that allow you to earn high rewards on business purchases, offer travel perks, and monitor spending.

What credit level and spending is required for a business card?

Although this is a small business card, both your personal and business credit score will be considered. Business cards typically require an average or better credit score. If you are new to credit or have bad/fair credit, you will not qualify for a business card. Business cards approve applicants for higher credit limits than personal cards. This is due in part to the large volume of purchases businesses make. There is no minimum spending required annually for a business card.

How does this affect my personal credit score and history?

Business credit cards are a personal liability for business owners. Any unpaid balance that is a result of your business card will appear on your personal credit history and lower your personal credit score. This means you are liable for all purchases on your business card, including employee spending. To prevent issues, frequently monitor your account, limit employee spending, and set up autopay.

Read Business credit reports: What are they, how do you get one?

Should you have more than one business card?

If your business is new to credit, it’s best to start with one business credit card so spending doesn’t get out of hand. This is important since you, as the business owner, are personally liable for all purchases made on the business card. As you build credit and your business’s needs grow, you may want to have multiple credit cards to maximize your rewards and benefits. You may want a travel rewards card to pair with an airline’s frequent flyer program, a cash back card for high-spending categories like office supplies and gas, a borrowing card if you have an existing balance or plan on making a large purchase, and a luxury card if you want to travel with ease. Keep in mind taking out an additional card will add to your personal risk, and if you don’t want more liability, it is best to stick with one business card.

Are there benefits to a credit card over a business loan?

Yes, there are benefits that come with business credit cards that business loans do not provide. If you are looking to make ongoing purchases, a credit card is a better choice than a loan. Read about the benefits business loans can provide and see below for the unique benefits of a business credit card:

  • Rewards that can earn you points on everyday business purchases
  • Intro bonus offers
  • 0% intro rates — allowing you to pay a large purchase interest-free or pay off a balance on another card
  • Easier taxes by having all business purchases on one card
  • No collateral required
  • Revolving line of credit helps easily manage recurring payments
  • Ability to build business credit
  • Automate recurring expenses
  • Monitor employee spending


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