Small Business Credit Cards

Advertiser Disclosure

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:

Advertiser Disclosure
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
  • 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 additional cost, and experienced small business customer services
646
average
572
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*
  • Designed for businesses with an established credit history
  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, including US Airways codeshare flights booked through American Airlines.*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines and US Airways flights*
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*
  • Named "Best for Rewards for Small Business" MONEY® Magazine, October 2014
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • 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
  • Free employee cards
  • No annual fee.
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*
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • 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 intro Annual Fee* the first year, and $55 per year thereafter (+$10 for employees)
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 11.99%-17.99%* (Variable) $0 intro for the first year, then $55* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 11.99%-17.99% (Variable)*
Annual Fee $0 intro for the first year, then $55*
Credit Needed Excellent Credit*
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%* for 9 billing cycles* N/A 11.99%-17.99%* (Variable) $0* Excellent Credit*
Intro APR Purchases 0% for 9 billing cycles*
Intro APR Balance Transfer N/A*
Regular APR 11.99%-17.99% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit*

Related Offers

  • 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.