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® Business Advantage Cash Rewards Mastercard® credit card

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

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

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Excellent Credit
Why We Like It
$300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Rewards Rate
  • 3% - Earn 3% cash back in the category of your choice (capped)
  • 2% - Earn 2% cash back on dining (capped)
  • 1% - Earn 1% cash back on all other purchases
Annual Fee
  • $0
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Excellent Credit

Benefits & Key features

  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.
  • Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
  • You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
  • 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.
  • Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Excellent

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 9 billing cycles
Intro APR
(Balance Transfer)
N/A
Regular APR
14.49% - 24.49%
Variable APR on purchases and balance transfers
Annual Fee
$0

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

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Excellent/Good Credit
Why We Like It
Earn a $500 cash bonus once you spend $4,500 on purchases within 3 months
Rewards Rate
  • 2% - Earn unlimited 2% cash back on all purchases
Annual Fee
  • $0 intro for first year; $95 after that
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Excellent/Good Credit

Benefits & Key features

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

Excellent/Good

Credit Needed
680
850
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
19.24%
(Variable)
Annual Fee
$0 intro for first year; $95 after that

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

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

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

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Excellent Credit
Why We Like It
25,000 points after spending $1,000 on purchases in the first 60 days
Rewards Rate
  • 3X - Earn 3 points per $1 spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center
  • 1.5X - Earn 1.5 points per $1 spent on all purchases
Annual Fee
  • $0
Apply Now
Excellent Credit

Benefits & Key features

  • 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 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 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • 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.
  • Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

Excellent

Credit Needed
720
850
Intro APR
(Purchases)
0%
for 9 billing cycles
Intro APR
(Balance Transfer)
N/A
Regular APR
13.49% - 23.49%
Variable APR on purchases and balance transfers
Annual Fee
$0

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

Capital One® Spark® Classic for Business

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Average/Fair/Limited Credit
Why We Like It
Best business card for average credit with cash back rewards
Rewards Rate
  • 1% - Earn 1% cash back on every purchase
Annual Fee
  • $0
Apply Now
Average/Fair/Limited Credit

Benefits & Key features

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • 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 Needed
300
680
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
25.24%
(Variable)
Annual Fee
$0