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
  • Separate business expenses from personal expenses
  • 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 service
643
average
562
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*
  • 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*
Capital One® Spark® Miles for Business Apply Now
  • Earn 2 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 25,000 miles once you spend $5,000 on purchases within the first 3 months
  • Miles don’t expire, and there are no categories to limit where or what you buy
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • $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, and more
  • No foreign transaction fees and 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 one-time $250 cash bonus once you spend $5,000 on purchases within the first 3 months
  • Cash rewards don’t expire, and there are no categories to limit where or what you buy
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • 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 purchases until September 2015;12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 September 2015* N/A 12.9%-20.9%*Variable $0* Excellent Credit*
Intro APR Purchases 0% until September 2015*
Intro APR Balance Transfer N/A*
Regular APR 12.9%-20.9%Variable*
Annual Fee $0*
Credit Needed Excellent Credit*
Ink Plus® Business Credit Card Apply Now
  • 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.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • Chip-enabled for enhanced security at home and abroad when you make purchases at chip-enabled card readers
  • Free Employee Cards
  • $0 Intro Annual Fee for the first year, then $95
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.24%* Variable $0 Annual Fee for the First year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.24% Variable*
Annual Fee $0 Annual Fee for the First year, then $95*
Credit Needed Excellent Credit*
Capital One® Spark® Miles Select for Business Apply Now
  • 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
  • Miles don’t expire, and there are no categories to limit where or what you buy
  • Save with 0% intro APR on purchases until September 2015;12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 September 2015* N/A 12.9%-20.9%*Variable $0* Excellent Credit*
Intro APR Purchases 0% until September 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.