Saturday, February 04, 2012

Business Credit Cards

Business Credit CardsFollowing 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.

9 Business Credit Cards Available. Displaying Offers 1 - 9:

  • 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 until August 2012
  • 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 August 2012* N/A 14.9% - 19.9% (V)* None* 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 purchases until August 2012
  • 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 August 2012* N/A 14.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • Enjoy no annual fee
  • Build business credit 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, up to 25 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)* None* Yes* Fair Credit*

  • Earn 2 miles per dollar on every purchase, every day
  • Get 10,000 bonus miles - just spend $1,000 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% (V)* $0 intro for first year; $59 after that Yes* Excellent Credit*

  • Earn 2% cash back on every purchase, every day
  • Get a $100 cash bonus - just spend $1,000 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% (V)* $0 intro for first year;$59 after that Yes* Excellent Credit*

  • Designed for businesses with an established credit history
  • $100 gift card - when you redeem the 10,000 bonus ThankYou® points received after $300 in purchases within 3 months of account opening
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable
  • 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
  • Earn rewards for your business expenses, including purchases made on employee cards
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No Annual Fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 6 Months N/A 13.24%* (Variable) $0* Yes* Excellent Credit*

  • $250 cash back bonus after you spend $5,000 within 3 months!
  • 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
  • 2% cash back on the first $25,000 spent annually on gas and dining
  • 1% cash back on all other card purchases with no limit to the amount you can earn
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No Annual Fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 6 Months 0% for 6 Months 13.24%* (Variable) $0* Yes* Excellent Credit*

  • 50,000 bonus points after you spend $5,000 in 3 months - that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • No limit to the number of points you can earn - and points never expire
  • 5X points per dollar on the first $50,000 spent annually on eligible business purchases
  • No foreign transaction fees and Free Employee Cards
  • No interest or over limit fees
  • No Annual Fee in the first year - that's a $95 savings
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A N/A* $0 for the first year, then $95* N/A* Excellent Credit*

  • 25,000 bonus points after you spend $5,000 in the first 3 months!*
  • 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
  • 2 points per dollar on the first $25,000 spent annually on fuel and lodging*
  • 1 point per dollar on all other card purchases with no limit on the amount you can earn*
  • Cash back rewards do not expire
  • 0% Introductory APR for 6 months*
  • No Annual Fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 6 Months 0% for 6 Months 13.24%* (Variable) $0* Yes* Excellent Credit*

 

The Benefits of Small Business Credit Cards

Small business credit cards not only provide easy access to credit to help you manage your cash flow, they also come with numerous benefits that can be helpful in the day-to-day management of your business. They offer many great features and best of all, the cash-back or rewards programs, which most small business cards offer, can actually help you save money.

Many business credit cards have high initial credit lines, depending on the credit history of your business. Most small business credit cards also come with attractive introductory 0% APR deals. You may wish to consider 0% balance transfer cards if you need a temporary cash infusion for an existing business or start-up capital for a new venture. While most cards offer the 0% APR rate on either balance transfers or purchases only, a few offer 0% APR on both purchases and balance transfers, providing you with the greatest flexibility.

Interest rates can vary over time, so take time to compare credit cards before you decide which card might work best for your business, and read the terms and conditions of each card carefully.

Many business owners opt to carry several credit cards - one with a low interest rate or 0% APR offer for carrying balances, and one for charging expenses that they will pay off in full every month. This strategy lets you take full advantage of the cash back or rewards benefits of your small business credit card, letting you earn up to 1.5% cash back on business-related purchases, such as office supplies or gas. Or, you may opt for a card that lets you earn travel rewards, enabling you to leverage your spending towards free airline trips, seat upgrades, and last-minute ticket purchases.

To maximize rewards earnings, consider adding employees as additional cardholders, a service offered for free by most small business credit cards. To control expenses, simply set spending limits for each employee; many cards even let you set limits for how much an employee can spend in specific categories.

Adding employees as cardholders also enables you to consolidate your business expenses into one main account. This greatly facilitates book-keeping - simply download your card statement into your accounting software each month. Or, if you prefer, you can get expense reporting from your card broken down by employee, a service offered for free with most business credit cards.

In addition to business cards, credit cards for individuals also offer many benefits, and our site contains a wide selection. Benefits include introductory periods with 0 apr, rewards, cash back, low interest or frequent flyer miles. Each of the card categories on our site that are for individuals also includes the same business credit cards listed above.

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FAQs
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Glossary
  • APR - Acronym for Annual Percentage Rate. The yearly percentage rate of the finance charge.
  • Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
  • Regular APR - A fixed yearly percentage rate of the finance charge.
  • Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
  • Annual Fee - A fee charged by the card issuer for being a card holder.
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