Advertiser Disclosure

Small Business Credit Cards

Credit cards are an excellent way for small business owners to secure funding for their companies, especially now that gaining approval for a traditional small business loan from a bank is a daunting process. These small business credit cards are specifically geared towards the needs of small business owners, providing you with favorable terms and the capital you need to get your business up and running. Whether you’re creating a startup or trying to securing more funds for an established company, acquiring a small business credit card can benefit your entire business. The following are our most popular Business credit cards offered by our partners:

Bank of America® Platinum Visa® Business credit card

Bank of America® Platinum Visa® Business credit card
Intro APR for Balance Transfer
N/A
Regular APR
10.74% - 21.74%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent Credit

Benefits & Key features

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
  • Get a flexible suite of online services that adopts to your business needs with MyReport Center.

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 7 billing cycles
Intro APR
(Balance Transfer)
N/A
Ongoing APR
10.74% - 21.74%
Variable APR on purchases and balance transfers
Annual Fee
$0

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business
Intro APR for Balance Transfer
N/A
Regular APR
18.49%
Variable
Annual fee
$95
Waived first year
Apply Now
Excellent/Good Credit

Benefits & Key features

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Excellent/Good Credit

Credit Needed
680
850
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
18.49%
Variable
Annual Fee
$95
Waived first year

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business
Intro APR for Balance Transfer
N/A
Regular APR
24.49%
Variable
Annual fee
$0
Apply Now
Average/Fair/Limited Credit

Benefits & Key features

  • 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 extra cost and experienced small business customer service

Average/Fair/Limited Credit

Credit Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Ongoing APR
24.49%
Variable
Annual Fee
$0

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Intro APR for Balance Transfer
N/A
Regular APR
12.74% - 22.74%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent Credit

Benefits & Key features

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 9 billing cycles
Intro APR
(Balance Transfer)
N/A
Ongoing APR
12.74% - 22.74%
Variable APR on purchases and balance transfers
Annual Fee
$0

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Intro APR for Balance Transfer
N/A
Regular APR
12.74% - 22.74%
Variable APR on purchases and balance transfers
Annual fee
$0
Apply Now
Excellent Credit

Benefits & Key features

  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Orbitz®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get a 25% - 75% rewards bonus on the base earn of every purchase you make.

Excellent Credit

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 9 billing cycles
Intro APR
(Balance Transfer)
N/A
Ongoing APR
12.74% - 22.74%
Variable APR on purchases and balance transfers
Annual Fee
$0