Business Credit Cards
Following is a list of business credit cards available to both small business owners as well as corporate executives. Earn rewards, cash back or airline miles for every dollar you and your employees spend on business expenses. Get your company's expenses on track with a corporate or small business credit card.
6 Business Credit Cards Available. Displaying Offers 1 - 6:
- 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 Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 22.9% (V) | $0 | Yes | Fair Credit |
- Bad Credit? No Problem! Easy Approval.
- Complete Your Application in Just 60 Seconds!
- Turn Your Hobby or Interest into a Business
- Separate Your Business Expenses for Tax Purposes
- Perfect for Sole Proprietors and Entrepreneurs
- No Security Deposit Required!
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 23.99% (Fixed) | See Terms | N/A | Bad Credit |
- 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 Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that | Yes | Excellent Credit |
- 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 Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| 0% until November 2013* | N/A | 12.9% - 20.9% (V) | $0 | Yes | Excellent Credit |
- 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 Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 13.9% - 20.9% (V) | $0 intro for first year; $59 after that | Yes | Excellent Credit |
- 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 Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| 0% until November 2013* | N/A | 12.9% - 20.9% (V) | $0 | Yes | Excellent Credit |
The Benefits of Small Business Credit Cards
As a person trying to run a small business, you know how difficult it may be to get the financial products for your needs. A small business credit card may be the perfect way to fund everyday corporate activities and to plan in advance.
Small business credit cards are designed to offer various great bonuses. A rewards program or a cash-back program is the most important advantage that deserves to be mentioned. This is a wonderful way for you to save some money and invest it in business activities.
The availability of a small business credit card and its conditions will be dependent on your credit history. Each card will come with its specialized bonuses and conditions. To find the best offer, you will have to examine everything that the market has to offer.
The majority of small business credit cards comes with 0 percent introductory APR. Some banks will offer 0 percent APR on balance transfers. Others will have the same condition applying to purchases only. Some banks are offering 0 percent APR to both balance transfers and purchases. This is probably the most flexible and convenient option. Keep in mind that as time passes, the interest rate may increase. Discuss your concerns with bank representatives before putting your signature on that agreement.
If you are looking for even more flexibility and convenience, you may decide to get several credit cards, each one with its specific benefits and conditions. One of the small business credit cards will come with 0 percent APR. A second card can be chosen solely for charging expenses.
The credit card decision depends entirely on your business strategy and funding needs. A strategy involving several credit cards is a wonderful option because it will allow you to benefit from the cash back benefits. Other cards will provide you with travel awards and free bonuses that are perfect for company representatives that are constantly on the road. These cards will accumulate miles, which will eventually result in free airplane trips.
As a business owner, you may be eligible for additional bonuses if you decide to add one of your employees as a card holder. This kind of service is available for most kinds of small business cards. You will still be the person controlling expenditure and deciding on the card limits for each employee.
This business credit card strategy will increase accountability and help you focus all business expenditure within a single account. As a business owner, you probably know how difficult it will be otherwise to organize book keeping. The card report can simply be downloaded and used for the creation of official reports through the accounting software that your company relies on.
FAQs
Tips & Advice
Glossary
- APR - Annual Percentage Rate, the yearly percentage rate charged when a balance is held on a credit card.
- Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
- Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
- Annual Fee - An annual (yearly) fee associated with having a credit card.
All Credit Card Applications are Secured with the Highest Level of SSL Certificate Encryption.
