Business Credit Cards
A dedicated business credit card can help track expenses for small business owners, sole proprietor, and freelancers. You can save thousands of dollars every year on interest with a right business card. Some business cards allow you to cash back, book travels for free, or give rewards for business spending. Here are some of the most popular business credit cards, you can compare the specifications and find the most suitable one with better bonuses and rewards.
Starwood Preferred Guest® Business Credit Card from American Express
4.6
Starwood Preferred Guest® Business Credit Card from American Express
- Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
- Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
- Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
- Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
- No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
- Terms Apply
- See additional Starwood Preferred Guest® Business Credit Card from American Express details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.24% - 20.24% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Excellent
The Business Gold Rewards Card from American Express OPEN
- Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
- Get 3x points - Choose 1 out of 5 categories
- Plus, 2X points on the 4 remaining categories and 1X points on other purchases
- 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
- Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
- No foreign transaction fees
- $0 introductory annual fee for the first year, then $175
- Terms and limitations apply
- See additional The Business Gold Rewards Card from American Express OPEN details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $175
Credit Needed
Excellent
The Business Platinum® Card from American Express OPEN
- Welcome Offer: Earn up to 75,000 Membership Rewards® points.
- Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
- New: 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.
- You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
- You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2016
- Terms Apply
- See additional The Business Platinum® Card from American Express OPEN details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$450
Credit Needed
Excellent
Business Green Rewards Card from American Express OPEN
- Earn 5,000 Membership Rewards® points after your first purchase on the Card
- Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & Limitations Apply
- See additional Business Green Rewards Card from American Express OPEN details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Excellent
The Blue Business℠ Plus Credit Card from American Express
- Get rewarded for business as usual. Earn 2X 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*.
- More buying power for your business* means more opportunities to earn points. That's everyday business with the new 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 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See additional The Blue Business℠ Plus Credit Card from American Express details
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
12.24% - 20.24% Variable
Annual Fee
$0
Credit Needed
Good, Excellent
The Plum Card® from American Express OPEN
- Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, if you pay your minimum due.
- Use the power of the Plum Card to buy big for your business.
- Unlock new opportunities with a spending limit that can grow with your business.
- Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- Terms & Restrictions Apply.
- See additional The Plum Card® from American Express OPEN details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee your first year, then $250
Credit Needed
Excellent
SimplyCash® Plus Business Credit Card from American Express
- Special Offer: Earn up to $400 cash back
- Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
- Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
- No Annual Fee. Plus, more buying power and more cash back.
- 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
- 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
- Terms and limitations apply
- See additional SimplyCash® Plus Business Credit Card from American Express details
Purchases Intro APR
0% on Purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
13.24% - 20.24% Variable
Annual Fee
$0
Credit Needed
Excellent
Capital One® Spark® Cash for Business
- Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Use Spark Cash across all your business spend, with no categories to limit your purchasing
- $0 intro annual fee for the first year; $59 after that
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
- Get employee cards at no additional cost, and earn rewards from their business spend
- See additional Capital One® Spark® Cash for Business details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Needed
Good, Excellent
Ink Business Cash℠ Credit Card
- Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
- Named "A Great Card for Small Businesses" – Kiplinger's Personal Finance, September 2016
- 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
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See additional Ink Business Cash℠ Credit Card details
Purchases Intro APR
0% for 12 months
Balance Transfers Intro APR
0% for 12 months
Regular APR
13.99% - 19.99% Variable
Annual Fee
$0
Credit Needed
Excellent
Capital One® Spark® Cash Select for Business
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
- No annual fee
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
- Get employee cards at no additional cost, and earn rewards from their business spend
- See additional Capital One® Spark® Cash Select for Business details
Purchases Intro APR
0% on purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
13.99% - 21.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
Capital One® Spark® Miles Select for Business
- Earn 1.5 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- See additional Capital One® Spark® Miles Select for Business details
Purchases Intro APR
0% on purchases for 9 months
Balance Transfers Intro APR
N/A
Regular APR
13.99% - 21.99% (Variable)
Annual Fee
$0
Credit Needed
Good, Excellent
Ink Business Preferred℠ Credit Card
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
- Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
- Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
- No foreign transaction fees
- Employee cards at no additional cost
- $95 Annual Fee
- See additional Ink Business Preferred℠ Credit Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.74% - 21.74% Variable
Annual Fee
$95
Credit Needed
Excellent
Capital One® Spark® Miles for Business
- Earn 2 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- $0 intro annual fee for the first year; $59 after that
- There's no limit to the amount of miles you can earn
- Redeem miles for travel, cash back, gift cards and more
- No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
- See additional Capital One® Spark® Miles for Business details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.99% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Needed
Good, Excellent
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
4.6
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
- Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no annual fee and no limit to the base cash back you can earn
- 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases;
- (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
- Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account
- See additional Bank of America® Business Advantage Cash Rewards Mastercard® credit card details
Purchases Intro APR
0% for 9 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Excellent
Capital One® Spark® Classic for Business
- Enjoy no annual fee
- Earn 1% cash back on every purchase, every day
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
- See additional Capital One® Spark® Classic for Business details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.99% (Variable)
Annual Fee
$0
Credit Needed
Average
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
4.9
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
- Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend
- Earn 25,000 bonus points when you spend $1,000 in the first 60 days
- No annual fee and no international transaction fees
- Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz®
- 0% Introductory APR on purchases for your first 9 billing cycles
- Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards
- See additional Bank of America® Business Advantage Travel Rewards World Mastercard® credit card details
Purchases Intro APR
0% for 9 billing cycles
Balance Transfers Intro APR
N/A
Regular APR
See Terms
Annual Fee
$0
Credit Needed
Excellent
GM BuyPower Business Card from Capital One®
- 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers
- No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 14.24% after that
- Earnings can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle
- See additional GM BuyPower Business Card from Capital One® details
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
14.24% Variable APR
Annual Fee
$0
Credit Needed
Excellent
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
- Designed for businesses
- For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
- Enjoy preferred boarding on American Airlines domestic flights*
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
- Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
- Earn 1 AAdvantage® mile per $1 spent on other purchases.*
- See additional CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.74% (Variable)
Annual Fee
$95, waived for first 12 months*
Credit Needed
Good, Excellent
Chevron and Texaco Business Card
- Accepted at thousands of Chevron and Texaco locations across the country
- Avoid unexpected charges and overspending by restricting cards to fuel only purchases
- Increase security and gain control over expenses by driver by requiring Driver ID Numbers (DIN) and odometer prompting
- Easily find Chevron and Texaco locations near you by using our convenient online station finder tool
- Online account access allows you to easily manage your drivers activities 24/7/365
- No annual or monthly program fees
- See additional Chevron and Texaco Business Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
BP Business Solutions Fuel Plus
- Accepted at thousands of BP locations nationwide
- Save up to 6 cents per gallon on fuel purchases at BP locations
- Driver and Vehicle reports help you monitor your cards activity
- Prevent fraudulent purchases by requiring each driver to enter a pin code before every transaction
- Online account access allows you to easily manage your drivers activities 24/7/365
- See additional BP Business Solutions Fuel Plus details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$10 per month (waived if over 5,000 gallons per month)
Credit Needed
Average
The Universal Premium FleetCard MasterCard®
- Earn up to 3 cents off per gallon with volume rebates plus an additional 3 cents when your drivers fuel within the Fuelman Discount Network
- Use for fuel and maintenance purchases nationwide wherever MasterCard is accepted
- Avoid unexpected charges and overspending by your employees with customized purchase controls
- Easy to understand reporting provides details on every transaction for each fuel card
- Online account access allows you to easily manage your fleet fuel cards 24/7/365
- See additional The Universal Premium FleetCard MasterCard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
BP Business Solutions MasterCard®
- Accepted at over 175,000 locations nationwide with competitive rebates when purchasing fuel at thousands of BP locations nationwide
- Save up to 6 cents per gallon on fuel purchases at BP locations
- View real time card transactions and create customized reports
- Help reduce overspending by setting daily transaction limits
- Mitigate fraudulent purchases by requiring each driver to enter a pin code before every transaction
- Convenient and secure online access provides higher visibility into driver spending and allows you to manage your account 24/7/365
- See additional BP Business Solutions MasterCard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$10 per month (waived if over 5,000 gallons per month)
Credit Needed
Average
BP Business Solutions Fuel Card
- Accepted at thousands of BP locations nationwide
- No annual or monthly program fees
- Set purchase limits by card to easily control and monitor your drivers transactions
- Easy to understand reporting provides details on every transaction for each fuel card
- Online account access allows you to easily manage your drivers activities 24/7/365
- See additional BP Business Solutions Fuel Card details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
The Fuelman Diesel Advantage FleetCard
- Save up to 15 cents* per gallon on diesel gas with wholesale-based pricing
- Accepted at over 50,000 fueling locations and 20,000 maintenance locations nationwide.
- Take control of fleet expenses with fuel efficiency monitoring by vehicle, spend tracking by driver and access to real time card transaction reports
- Easily find fueling locations near you with the Fuelman.com online site locator and the Fuelman Mobile Site Locator® iPhone application
- Convenient and secure online access to your account 24/7/365
- See additional The Fuelman Diesel Advantage FleetCard details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
Chevron and Texaco Universal Business MasterCard®
- Earn rebates up to 6 cents per gallon based on monthly fuel purchases at Chevron and Texaco locations
- Accepted at over 175,000 fueling locations with maximum rebate earnings when your drivers choose Chevron and Texaco
- Help reduce overspending by setting daily transaction limits
- No annual or monthly program fees
- View real time card transaction and create customized reports
- Convenient and secure online access provides higher visibility into driver spending and allows you to manage your account 24/7/365
- See additional Chevron and Texaco Universal Business MasterCard® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$10 per month (waived if over 1,000 gallons per month)
Credit Needed
Average
The Fuelman Commercial Advantage FleetCard
- Save up to 10 cents* per gallon on all fuel types with our wholesale-based pricing
- Accepted at over 50,000 fueling locations and 20,000 maintenance locations nationwide
- Customize purchase limits by gallon amount, type of fuel, or time and date of transactions
- Control fraud with real-time exception email alerts and online access to purchase activity 24/7/365
- Easily find fueling locations near you with the Fuelman.com online site locator and the Fuelman Mobile Site Locator® iPhone application
- See additional The Fuelman Commercial Advantage FleetCard details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
The Fuelman Discount Advantage FleetCard
- Earn 5 cents cash back on every gallon you pump up to 8,000 gallons annually
- Accepted at over 50,000 fueling locations and 20,000 maintenance locations nationwide
- Reduce expenses with customizable purchase limits on gallon amount, fuel type, or time and date of transactions
- Easily find fueling locations near you with the Fuelman.com online site locator and the Fuelman Mobile Site Locator® iPhone application
- Online account access allows you to easily manage your fleet fuel cards 24/7/365
- See additional The Fuelman Discount Advantage FleetCard details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0
Credit Needed
Average
Costco Anywhere Visa® Business Card by Citi
- Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- See additional Costco Anywhere Visa® Business Card by Citi details
Purchases Intro APR
0%* for 7 months on Purchases*
Balance Transfers Intro APR
N/A
Regular APR
16.24* (Variable)
Annual Fee
$0
Credit Needed
Excellent