Business Credit Cards
Business credit cards help businesses earn rebates on business purchases and manage expenses properly. They allow business owners to separate business expenses from personal expenses, enjoy business benefits including year-end summaries, give employee cards at no additional cost, and receive exclusive access to events that are ideal for entertaining clients or treating staff, etc. Check out these best business credit cards that stand out. Many of these credit cards offer 0% APR on purchases and balance transfers, a customized business credit line, along with cash back at gas stations, restaurants, office supply stores.
- Reward yourself with 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
- With Ink Plus, you have the cash flow flexibility with the choice to pay over time or pay in full
- Earn 5X points per $1 on the first $50,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- Earn 2X points per $1 on the first $50,000 spent annually at gas stations and for hotel accommodations when purchased directly with the hotel
- No foreign transaction fees
- Free employee cards
- 1:1 point transfer to participating travel programs with no transfer fees
- Get 20% off travel redemptions when booked through Ultimate Rewards
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 13.24% Variable | $0 Intro Annual Fee for the first year. After that, $95 |
- Earn 2% cash back on every purchase, every day
- Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
- Receive a $50 cash bonus by signing up for one or more employee cards
- Enjoy award-winning small business customer service
- $0 intro annual fee for the first year; $59 after that
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that |
- Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening
- 5% cash back on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services
- 2% cash back on the first $25,000 spent annually at gas stations and restaurants
- 1% cash back on all other card purchases with no limit to the amount you can earn
- 0% introductory APR for 6 months on purchases and balance transfers
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases and on Balance Transfers | 6 months | 13.24% Variable | None |
- U.S. Bank FlexPerks Business Travel Rewards Visa® card - 17,500 Bonus FlexPoints
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card
- Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases – whichever you spend most on each monthly billing cycle – and on most cell phone expenses
- Earn Triple FlexPoints for your charitable donations
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card
- Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
- $0 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*
- *See Card Terms and Conditions
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0%* on Purchases and on Balance Transfers | 12 months | 11.99% - 17.99%* (Variable) | $0 the first year and every year after it will be $55 |
- U.S. Bank FlexPerks Cash Rewards Visa®
- 0% Intro APR* for 15 billing cycles on purchases and balance transfers
- Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
- 25% annual bonus of your prior year's cash rewards up to $250
- No cap on the cash rewards you can earn and they never expire
- $0* annual fee if you make one purchase per year, otherwise $25*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases and on Balance Transfers | 15 months | 11.99% - 27.99%* (Variable) | $0* annual fee if you make one purchase per year, otherwise $25* |
- Get a 50% bonus on the cash back you earn every year
- Earn 1% cash back on every purchase, every day
- Save with 0% intro APR on all purchases until November 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | until November 2013 | 12.9% - 20.9% (V) | $0 |
- Get a 50% bonus on the miles you earn every year
- Earn 1 mile per dollar on every purchase, every day
- Save with 0% intro APR on all purchases until November 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn and miles don't expire
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | until November 2013 | 12.9% - 20.9% (V) | $0 |
- Earn 2 miles per dollar on every purchase, every day
- Get 10,000 bonus miles — just spend $1,000 on purchases within the first 3 months
- Receive 5,000 bonus miles by signing up for one or more employee cards
- Enjoy exclusive, award-winning customer service
- $0 intro annual fee for the first year; $59 after that
- There's no limit to the amount of miles you can earn and miles don't expire
- Redeem miles for travel, cash back, gift cards, merchandise, and more
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that |
- With no annual membership fee, it's a smart choice for your business
- Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%
- Terms and limitations apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 6, 9, or 12 months | 12.24% - 19.24% Variable | N/A |
- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership
- Earn points even faster to get more rewards for your business
- 3X points on airfare purchased from airlines. 2X points at US gas stations.
- Up to $100,000 in each category per year, then 1 point
- Terms and limitations apply
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business
- $0 introductory annual fee for the first year, then $175
- Apply online to qualify for this offer. See offer terms for details.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $0 introductory annual fee for the first year, then $175 |
- Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates
- Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
- Earn 1 Starpoint® for each dollar of eligible purchases
- $0 introductory annual fee for the first year, then $65
- Terms and limitations apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 15.24% - 19.24% Variable | $0 introductory annual fee for the first year, then $65 |
- Earn 50,000 bonus points after you spend $5,000 in the first 3 months from account opening
- No interest charges because it's a pay in full charge card
- Earn 5X points per dollar in select business categories
- 1:1 point transfer to leading frequent travel programs
- No foreign transaction fees
- Direct access to a live service advisor anytime
- $0 Intro Annual Fee for the first year, then $95.
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $0 Intro Annual Fee for the first year. After that, $95. |
- Designed for businesses with an established credit history
- Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash
- No limit to the amount of points you can earn on purchases and points don't expire
- No Annual Fee*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| 0% on Purchases | 6 months | 13.24% Variable | $0* |
- Designed for businesses with an established credit history
- Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
- First eligible checked bag free for you and up to 4 traveling companions*
- Priority Boarding with Group 1 privileges*
- Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
- 25% Savings on eligible in-flight purchases
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 15.24% variable | $95, waived for the first 12 months* |
- Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership
- You can check your first bag for free and save up to $50 on a round-trip Delta flight
- 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
- Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
- $0 introductory annual fee for the first year, then $95
- Terms & Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 15.24% - 19.24% Variable | $0 intro annual fee for the first year, then $95 |
- Enjoy no annual fee
- Build business credit with responsible use with eligibility for an automatic credit line increase
- Earn 1% cash back on every purchase, every day
- Separate business expenses from personal expenses
- $0 Fraud Liability if your card is ever lost or stolen
- Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | 22.9% (V) | $0 |
- Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month
- Do Business On Your Terms
- $0 introductory annual fee for your first year, then $250
- No annual fee for Additional Cards
- Terms & Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $0 introductory annual fee for the first year, then $250 |
- Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline
- 20% Travel Bonus when using Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits to help power your business
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
- Purchasing power that can adjust as your business evolves
- Terms & Restrictions Apply*
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $450 |
- Receive 5,000 bonus points on your first purchase
- No pre-set spending limit* or finance charges
- Earn one Membership Rewards® point for every dollar you spend
- Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
- $0 introductory annual fee for the first year, then $95
- Terms & Restrictions Apply
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $0 introductory annual fee for the first year, then $95 |
- Instantly fund employee purchases
- Gain 24/7 control over where and how much employees spend
- Save money - no surprise interest charges or overdraft fees.
- Free Trial Period - No Monthly Fee for at least 2 months after you enroll
- No transaction fees
- No deposit fees
- Cards are personalized with the cardholder's name
- The funds on deposit are corporate funds - not employee-owned
| Intro APR | Intro APR Period | Regular APR | Annual Fee |
| N/A | N/A | N/A | $7.50 monthly fee |
