Small Business Credit Cards

Small Business Credit CardsA small business credit card is designed for business owners, executives, and company employees who need the purchasing power of a credit card for their business objectives. These cards enable the business to establish a credit line in the name of the business, while also helping to track expenses by cardholder. The following are the best small business credit card and prepaid credit card offers as selected by the CreditCards.org staff:

Capital One® Spark℠ Classic for Business Apply Now
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • 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
630
average
575
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 22.9% Variable* $0* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $0*
Credit Needed Fair Credit*
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards.
  • 0% introductory 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*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No annual fee *
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* N/A* 13.24% Variable* N/A* Excellent Credit*
Intro APR Purchases 0%-6 mths*
Intro APR Balance Transfer N/A*
Regular APR 13.24% Variable*
Annual Fee N/A*
Credit Needed Excellent Credit*
  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 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 12 months on purchases and balance transfers.
  • No annual fee
724
average
597
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 13.24% Variable* $0* Excellent Credit*
Intro APR Purchases 0%-12 mths*
Intro APR Balance Transfer 0%-12 mths*
Regular APR 13.24% Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
  • 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 Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 billing period* 0%-15 billing period* 11.99%-17.99% (Variable)* $0 with one purchase per year* Excellent Credit*
Intro APR Purchases 0%-15 billing period*
Intro APR Balance Transfer 0%-15 billing period*
Regular APR 11.99%-17.99% (Variable)*
Annual Fee $0 with one purchase per year*
Credit Needed Excellent Credit*
Capital One® Spark® Miles for Business Apply Now
  • Earn 2 miles per dollar on every purchase, every day
  • Get 25,000 bonus miles - just spend $5,000 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 Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 13.9%-20.9% Variable* $0 intro for first year; $59 after that* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 13.9%-20.9% Variable*
Annual Fee $0 intro for first year; $59 after that*
Credit Needed Excellent Credit*
Capital One® Spark® Cash for Business Apply Now
  • Earn 2% cash back on every purchase, every day
  • Get a $250 cash bonus - just spend $5,000 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 Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 13.9%-20.9% Variable* $0 intro for first year; $59 after that* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 13.9%-20.9% Variable*
Annual Fee $0 intro for first year; $59 after that*
Credit Needed Excellent Credit*
Capital One® Spark® Cash Select for Business Apply Now
  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • 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 Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until February 2015* N/A* 12.9%-20.9%Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until February 2015*
Intro APR Balance Transfer N/A*
Regular APR 12.9%-20.9%Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Ink Plus® Business Card Apply Now
  • Named "Best for Travel Rewards for Small Business" MONEY® Magazine, October 2013
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or 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.
  • 1:1 point transfer to participating travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95
734
average
681
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 15.24% Variable* $0 Intro Annual Fee for the first year. After that, $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.24% Variable*
Annual Fee $0 Intro Annual Fee for the first year. After that, $95*
Credit Needed Excellent Credit*
  • 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*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
742
average
668
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 15.24% (Variable)* $95, waived for the first 12 months* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.24% (Variable)*
Annual Fee $95, waived for the first 12 months*
Credit Needed Excellent Credit*
  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • 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 Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until February 2015* N/A* 12.9%-20.9%Variable* $0* Excellent Credit*
Intro APR Purchases 0%-until February 2015*
Intro APR Balance Transfer N/A*
Regular APR 12.9%-20.9%Variable*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • Loans from $100 – $10,000+
  • Repayment Terms up to 60 months!
  • Get your cash as fast as tomorrow
  • * APR between 4.999% & 35.80%
  • Unsecured Personal Loans from $100-$35,000
  • Good, Bad and No Credit Welcome!
  • Lower Interest rates.
  • Loans for any purpose.
  • No collateral, no problem.
Credit Cards › Small Business Credit Cards

† This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.