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:

Capital One® Spark® Cash for Business

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Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

18.74%
(Variable)

Annual Fee

$0 intro for first year; $95 after that

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
    • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
    • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
    • 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 NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

18.74%

(Variable)

Annual Fee

$0 intro for first year; $95 after that

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

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Excellent Credit Needed

Intro APR for Balance Transfer

N/A

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Regular APR

13.24% - 23.24%
Variable APR on purchases and balance transfers

Annual Fee

$0

Apply Now

Excellent Credit Needed

Benefits & KEY FEATURES Test

    • 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 up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

0%

for 9 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

13.24% - 23.24%

Variable APR on purchases and balance transfers

Annual Fee

$0

Capital One® Spark® Miles for Business

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Apply Now

Excellent/Good Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular APR

18.74%
(Variable)

Annual Fee

$0 intro for first year; $95 after that

Apply Now

Excellent/Good Credit Needed

Benefits & KEY FEATURES Test

    • Earn 2 miles per $1 on every purchase, every day
    • Earn up to 200,000 miles. Earn a bonus of 50,000 miles when you spend $5,000 in the first 3 months of opening your account
    • Plus, earn 150,000 miles when you spend $50,000 within the first 6 months. Limited Time Offer
    • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
    • $0 intro annual fee for the first year; $95 after that
    • There's no limit to the amount of miles you can earn
    • 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

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

18.74%

(Variable)

Annual Fee

$0 intro for first year; $95 after that

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

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Excellent Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular APR

13.24% - 23.24%
Variable APR on purchases and balance transfers

Annual Fee

$0

Apply Now

Excellent Credit Needed

Benefits & KEY FEATURES Test

    • 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 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.
    • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier – Gold 25%; Platinum 50%; or Platinum Honors 75%.

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

0%

for 9 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

13.24% - 23.24%

Variable APR on purchases and balance transfers

Annual Fee

$0

Capital One® Spark® Classic for Business

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Average/Fair/Limited Credit Needed

Intro APR for Balance Transfer

N/A

View Details

Regular APR

24.74%
(Variable)

Annual Fee

$0

Apply Now

Average/Fair/Limited Credit Needed

Benefits & KEY FEATURES Test

    • 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 NEEDED

0 450 500 550 600 650 700 750 800 850
300
680

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

24.74%

(Variable)

Annual Fee

$0