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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:

Advertiser Disclosure

Editor’s choice

  • Capital One® Spark® Classic for Business

    ANNUAL FEE
    $0

    APR
    22.9%* Variable

    Credit Needed: Fair Credit

    • 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

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    22.9%* Variable

    Annual Fee

    $0*

    Credit Needed

    Fair Credit*

  • CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

    ANNUAL FEE
    $95, waived for the first 12 months

    APR
    15.24%* Variable

    Credit Needed: Excellent Credit

    • Designed for businesses with an established credit history
    • 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*

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    15.24%* Variable

    Annual Fee

    $95, waived for the first 12 months*

    Credit Needed

    Excellent Credit*

  • Ink Cash® Business Card

    INTRO BT
    0%

    for 0%-12 mths*

    APR
    13.24%* Variable

    Credit Needed: Excellent Credit

    • 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.
    • No annual fee.

    Intro APR Purchases

    0%-12 mths*

    Into APR Balance Transfer

    0%-12 mths*

    Regular APR

    13.24%* Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • U.S. Bank FlexPerks® Business Edge(TM) Travel Rewards Card

    ANNUAL FEE
    $0 intro for the first year, then $55*

    APR
    11.99% - 17.99%* (Variable)

    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

    N/A

    Into 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*

  • U.S. Bank Business Edge™ Cash Rewards Card

    ANNUAL FEE
    $0

    APR
    11.99% - 17.99%* (Variable)

    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

    0%-9 *

    Into 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

    ANNUAL FEE
    $0 intro for first year; $59 after that

    APR
    13.9% - 20.9%* Variable

    Credit Needed: Excellent Credit

    • 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

    N/A

    Into 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

    ANNUAL FEE
    $0 intro for first year; $59 after that

    APR
    13.9% - 20.9%* Variable

    Credit Needed: Excellent Credit

    • 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

    N/A

    Into 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

    ANNUAL FEE
    $0

    APR
    12.9% - 20.9%*Variable

    Credit Needed: Excellent Credit

    • 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 August 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

    0%-until August 2015*

    Into APR Balance Transfer

    N/A

    Regular APR

    12.9%-20.9%*Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

  • Ink Plus® Business Card

    ANNUAL FEE
    $0 Intro Annual Fee for the first year, then $95.

    APR
    15.24%* Variable

    Credit Needed: Excellent Credit

    • 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 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.
    • 1:1 point transfer to leading frequent travel programs
    • Chip-enabled for enhanced security at home and abroad
    • $0 Intro Annual Fee for the first year, then $95.

    Intro APR Purchases

    N/A

    Into APR Balance Transfer

    N/A

    Regular APR

    15.24%* Variable

    Annual Fee

    $0 Intro Annual Fee for the first year, then $95.*

    Credit Needed

    Excellent Credit*

  • Capital One® Spark® Miles Select for Business

    ANNUAL FEE
    $0

    APR
    12.9% - 20.9%*Variable

    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
    • Miles don’t expire, and there are no categories to limit where or what you buy
    • Save with 0% intro APR on purchases until August 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

    0%-until August 2015*

    Into APR Balance Transfer

    N/A

    Regular APR

    12.9%-20.9%*Variable

    Annual Fee

    $0*

    Credit Needed

    Excellent Credit*

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  • Usc_logo_2
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    $100- $35,000

    UnitedStatesCredit.com - Personal Loans $100 - $35,000

    • Unsecured Personal Loans from $100-$35,000
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    • Get cash in as little as 24 hours.
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    • Loans for any purpose.
    • No collateral, no problem.
    • Bankruptcy is NO problem!

Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.

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