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Business
Credit Card

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Since Business credit cards are specifically targeted towards company owners and executives, their features and benefits vary widely from not only consumer cards but from each other. Certain business credit cards focus on rewards some on services while others tout their customer service benefits. A common theme amongst these cards is the ability to add cards for employees while maintaining a centralized reporting system allowing the owner/manager to receive monthly summaries of activity. Combine this with a rewards program that accumulates for the owner/manager and you have ample reason to acquire a business credit card.

 Updated: 5/22/2013
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Official Data and Rates Features More
Info
CitiBusiness® / AAdvantage® World MasterCard®
CitiBusiness® / AAdvantage® World MasterCard® Image Apply Button
Credit Level:
Excellent
Annual Fee:
$95, waived for the first 12 months*
Norm Rate:
15.24%* (Variable)
Purchase Intro Rate:
n/a*
Transfer Intro Rate:
n/a*
  • 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
 Click for More Information about the CitiBusiness® / AAdvantage® World MasterCard® card
The Plum Card® from American Express OPEN
The Plum Card® from American Express OPEN Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0 intro annual fee for the first year, then $250
Norm Rate:
n/a
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • 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
 Click for More Information about the The Plum Card® from American Express OPEN card
Capital One® SparkSM Classic for Business
Capital One® SparkSM Classic for Business Image Apply Button
Credit Level:
Average
Annual Fee:
$0
Norm Rate:
22.9% (V)
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • 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
 Click for More Information about the Capital One® SparkSM Classic for Business card
U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
U.S. Bank FlexPerks® Business Cash Rewards Visa® Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0 with one purchase per year
Norm Rate:
11.99%-17.99% (Variable)
Purchase Intro Rate:
0%
Purchase Intro Period:
15 billing cycles
Transfer Intro Rate:
0%
Transfer Intro Period:
15 billing cycles
  • 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*
 Click for More Information about the U.S. Bank FlexPerks® Business Cash Rewards Visa® Card card
Capital One® SparkSM Miles for Business
Capital One® SparkSM Miles for Business Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0 intro for first year; $59 after that
Norm Rate:
13.9% - 20.9% (V)
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • 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
 Click for More Information about the Capital One® SparkSM Miles for Business card
Gold Delta SkyMiles® Business Credit Card from American Express
Gold Delta SkyMiles® Business Credit Card from American Express Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0 intro annual fee for the first year, then $95
Norm Rate:
15.24% - 19.24% Variable
Purchase Intro Rate:
None
Purchase Intro Period:
None
Transfer Intro Rate:
None
Transfer Intro Period:
None
  • 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
 Click for More Information about the Gold Delta SkyMiles® Business Credit Card from American Express card
Capital One® SparkSM Miles Select for Business
Capital One® SparkSM Miles Select for Business Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
12.9% - 20.9% (V)
Purchase Intro Rate:
0%
Purchase Intro Period:
until November 2013
Transfer Intro Rate:
n/a
  • 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
 Click for More Information about the Capital One® SparkSM Miles Select for Business card
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0 with $24,000 in purchases per year
Norm Rate:
11.99%-17.99% (Variable)
Purchase Intro Rate:
0%
Purchase Intro Period:
12 billing cycles
Transfer Intro Rate:
0%
Transfer Intro Period:
12 billing cycles
  • 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*
 Click for More Information about the U.S. Bank FlexPerks® Business Travel Rewards Visa® Card card
Previous 10 Previous   All reasonable efforts are made to collect and provide accurate information about current Business credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Business credit card offer, terms and conditions on the credit card issuer's web site.


Business
Insights:

Since the financial difficulties started in 2008, business credit cards have become more difficult to acquire. Although within the last year, the lending institutes have been slightly more lenient in their approval of new business credit card applicants, you and your business will still need to have excellent credit to open a new account. The rewards of having a business credit card still remain and there are many. The size of your company and the way you will use your business credit card will determine the best card to get.

A smaller company may be more interested in selecting among the cards with low or no annual fee, while a mid size firm may be attracted to the cards with higher rewards and low interest rates and the larger companies may be looking for detailed management reports and annual summaries. All multi-employee companies will most likely benefit from issuing cards across the office that are consolidated under one account with the rewards accumulated in one place.  In any instance, your personal situation will be the determining factor of what will provide the best benefits both monetary and service based.

The current line of business credit cards have some very impressive rewards, rates and benefits that are sure to appeal to most business owners and may even prompt the new cardholder to find new and better ways to use their new card to create a larger bounty of rewards.


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The most informative site to compare Business credit card offers and to apply for a credit card online.