Editor’s note: This is a recurring post with regularly updated card details.
The best business credit cards address your businesses’ specific needs, provide low-cost financing, and offer rewards on recurring business expenses. Choose from a variety of reward options, including cash back, travel, or points rewards, where your business benefits the most. When choosing the right card for you, consider other factors like fees and additional features.
Here are the 12 best small business credit cards:
- American Express Blue Business CashTM: Overall best small business credit card with expanded buying power and cash back rewards
- U.S Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back with a 15-month 0% annual percentage rate (APR)
- Bank of America Business Advantage Customized Cash Rewards: Best for earning cash back in your chosen category
- Chase Ink Business Unlimited®: Best for lucrative sign-up bonus and fixed-rate cash back rewards
- Coast Fuel Card: Best for businesses that don’t want a personal guarantee
- Capital On Tap Business Credit Card: Best for credit limits up to $50,000
- U.S. Bank Business Altitude Connect World Elite Mastercard: Best for earning points rewards and access to travel perks
- American Express Business Platinum Card®: Best for flexible spending limit and premium travel perks
- Chase Ink Business Cash®: Best for earning premium rewards on office supplies, internet, cable, and phone
- Amazon Business Prime American Express Card: Best for frequent Amazon purchases
- First National Bank of Omaha Business Edition® Secured Mastercard®: Best secured business credit card with high credit limit option
- Ramp Credit Card: Best corporate charge card with fixed-rate cash back rewards
Overview of the Best Small Business Credit Cards
If you want to see how a credit card stacks up against others, click Add to Compare on the cards—you can compare up to three credit cards on this page or a card here against other cards on our site.
American Express Blue Business CashTM: Best Overall Small Business Credit Card With Expanded Buying Power and Cash Back Rewards
The American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
- Overview
- Card Details
- Additional Features
on The American Express Blue Business Cash™ Card's secure website.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember,the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Read Full Review
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember,the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Read Full Review
on The American Express Blue Business Cash™ Card's secure website.
When To Consider the American Express Blue Business Cash™
This is our best small business credit card for those who need to spend beyond their credit limit through the expanded buying power—which is an adjustable credit limit based on your card usage, payment history, credit record, and financial resources. It also lets you earn up to 2% cash back rewards on all eligible purchases, has a 0% introductory period on purchases for the first 12 billing cycles, and charges $0 annual fees.
Those offerings are why this card is also our leading cash back business credit card and is included in our roundups of the best credit cards for new businesses with no credit history and best credit cards for nonprofits.
Rewards:
- 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met.
Other benefits:
- Get a $250 statement credit after spending $3,000 in purchases within the first 3 months of account opening
- Issue employee cards at no additional cost
- Receive protection on your new purchases in case they get stolen or accidentally damaged
Important Considerations:
- It does not have a 0% introductory period on balance transfers
- It charges foreign transaction fees
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back With a 15-month 0% APR
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Overview
- Card Details
- Additional Features
On US Bank's Secure Website
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Read Full Review
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Read Full Review
On US Bank's Secure Website
When To Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Business owners who are looking to finance large transfers or make significant purchases may consider this business credit card as it has a 0% introductory period on purchases and balance transfers for the first 15 billing cycles. This card also lets you earn up to 5% cash back, which can be used to redeem as a statement credit or be deposited to your U.S. Bank business checking/savings/money market accounts.
This card is our top recommended fuel card for small businesses and is also included in our roundups of the best business credit cards for startups, best business credit cards for balance transfers, best credit cards for self-employed, and best 0% APR business credit cards.
Rewards:
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants
- 1% cash back on all other eligible purchases
Other benefits:
- Earn $500 in cash back after spending $4,500 in purchases within 150 days of account opening
- Receive a $100 credit for recurring software subscriptions, such as FreshBooks or QuickBooks
- Divide eligible purchases into equal monthly payments with no additional interest through the U.S. Bank ExtendPay® Plan
Important Considerations:
- It charges balance transfer fees during the 0% introductory period
- It does not have a 0% introductory period on cash advances
Bank of America Business Advantage Customized Cash Rewards: Best for Earning Cash Back in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
- Overview
- Card Details
- Additional Features
on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.
Intro APR
0%
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Read Full Review
Intro APR
0%
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.
When To Consider the Bank of America Business Advantage Customized Cash Rewards
Those who want to earn cash back in their chosen category can consider this business credit card. You can earn up to 3% cash back in combined chosen category and dining purchases and also enjoy a 0% introductory period on purchases for the first 9 billing cycles. If you have an active Bank of America business checking account, you can earn up to 75% more cash back through the Preferred Rewards for Business Platinum Honors tier.
It’s no surprise that this card made it to our lists of the best business credit cards with no annual fee and best limited liability company (LLC) credit cards.
Rewards:
- For the first $50,000 combined expenses per calendar year, you can earn:
- 3% cash back on your chosen category—which can be from gas stations and EV charging stations (default), office supplies, travel, TV/telecom & wireless, computer services or business consulting services
- 2% cash back on dining purchases
- 1% cash back when the cap is met
Other benefits:
- Receive a $300 online statement credit after spending at least $3,000 in purchases within the first 90 days of account opening
- Be charged $0 annual fees
- Get free access to your business credit scores through Business Advantage 360, Bank of America’s small business online banking
Important Considerations:
- It does not have a 0% introductory period on balance transfers
- It charges foreign transaction fees
- It does not have penalty interest rates
Chase Ink Business Unlimited®: Best for Lucrative Sign-up Bonus and Fixed-rate Cash Back Rewards
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- Overview
- Card Details
- Additional Features
on Ink Business Unlimited® Credit Card's secure website.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Read Full Review
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Read Full Review
on Ink Business Unlimited® Credit Card's secure website.
When To Consider the Chase Ink Business Unlimited®
This business credit card is a viable option for those who want to earn fixed-rate cash back rewards on all of their purchases and receive a lucrative sign-up bonus. On top of this, the card has a 0% introductory period on purchases for the first 12 billing cycles. These are why it is our overall best sole proprietorship business credit card.
Reward:
- Unlimited 1.5% cash back on all purchases
Other benefits:
- Get a $900 bonus cash back after spending $6,000 on purchases within the first 3 months after account opening
- Redeem earned cash back in multiple ways:
- As a statement credit
- Through Chase Ultimate Rewards®
- Partial or full payment of your Apple purchases
- Gift cards
- Extend the warranty period of your purchases by an additional year—for purchases with eligible warranties of three years or less
Important Considerations:
- It does not have a 0% introductory period on balance transfers
- It charges high foreign transaction fees
Coast Fuel Card: Best for Businesses That Don’t Want a Personal Guarantee
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Overview
- Card Details
- Additional Features
on Coast Fuel Card's secure website.
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Read Full Review
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Read Full Review
on Coast Fuel Card's secure website.
When To Consider the Coast Fuel Card
Business owners who frequently spend on gas or have small to large fleets would want this card, as it offers rebates on gas stations and cash back rewards on all other purchases. It also does not require a personal guarantee. This is why this card made it into our lists of the best fuel business cards for small businesses and best business credit cards that don’t report to personal credit.
Rewards:
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 1% cash back on all other purchases with no tiers or caps
- Partner rebates:
- 6 cents per gallon at Casey’s
- 4 cents per gallon at Cumberland Farms
- 4 cents per gallon at RaceTrac and RaceWay
- 30% off on QuickBooks for 6 months
- 15% off on oil change services at Take 5
- 10% off on maintenance and oil change at Jiffy Lube
- 2% off on roadside assistance at Honk
Other benefits:
- Receive earned cash back as a statement credit on the last day of each statement period
- Manage and track expense transactions with Coast’s fuel management system
Important Considerations:
- It charges monthly fees to keep the card active
- Its balance is due in full each month
- It does not support cash withdrawals
Capital On Tap Business Credit Card: Best for Credit Limits Up to $50,000
Capital On Tap Business Credit Card Visa
BEST FOR:
Those who want fixed-rate cash back rewards
- Overview
- Card Details
- Additional Features
on Capital On Tap Business Credit Card Visa's secure website.
Intro APR
Regular APR
18.24% to 35.99% variable
Annual Fee
$0
Credit Needed
Fair, Average
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Read Full Review
Intro APR
Regular APR
18.24% to 35.99% variable
Annual Fee
$0
Credit Needed
Fair, Average
- Unlimited 1.5% cash back on all purchases
Pros
- No annual, foreign transaction, and cash advance fees
- Low starting APR
- High credit limit available
Cons
- Balance transfers aren’t allowed
- Sole proprietors and nonprofit organizations are not eligible
- Unlimited, free cards for employees
- Instant, virtual card is available right after approval
- Credit limits up to $50,000
- Uncapped 1.5% cash back on every purchase
Read Full Review
on Capital On Tap Business Credit Card Visa's secure website.
When To Consider the Capital On Tap Business Credit Card
Issued by WebBank, this business prepaid card is an excellent option for businesses with at least $2,500 in monthly revenue, as that can help increase your chances of having your application approved. Not only does it offer credit limits of up to $50,000, but it also offers fixed-rate cash back rewards on all purchases and can be redeemed through the Rewards page of the portal.
Its lenient requirements, fixed-rate cash back rewards, and how the card requires at least fair credit to qualify are why this card is included in our lists of the best high-limit business credit cards, best business credit cards for fair credit, and best instant approval business credit cards.
Reward:
- Unlimited 1.5% cash back on all purchases
Other benefits:
- Receive $200 back after spending $15,000 within the first three months of account opening
- Issue employee cards at no additional cost
- Apply without impacting your credit scores
- Create virtual cards minutes after receiving approval
Important Considerations:
- Its credit limit is only up to $50,000
- It’s not a viable option for sole proprietors and nonprofit organizations as they are not allowed to apply for the card
- It requires high spending within a short period to secure the sign-up bonus
U.S. Bank Business AltitudeTM Connect World Elite Mastercard®: Best For Earning Points Rewards and Access to Travel Perks
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
- Overview
- Card Details
- Additional Features
on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Intro APR
Regular APR
20.24%-28.24% (Variable)
Annual Fee
$0 Intro annual fee for the first year, $95 per year thereafter
Credit Needed
Good to Excellent
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.
When To Consider the U.S. Bank Business AltitudeTM Connect World Elite Mastercard®
Business owners who travel frequently can consider this excellent business credit card as it offers more value to your business through its generous travel perks and rewards. It also gives you complimentary access to more than 1,300 VIP airport lounges worldwide and charges $0 foreign transaction fees. It’s not surprising that this card is included in our guides to the best business credit cards with no foreign transaction fee, best fuel cards for small businesses, and best business credit cards with airport lounge access.
Rewards:
- 5x points for hotels and car rentals booked directly in the Rewards Center
- 4x points on travel—-including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2x points on dining, takeout, restaurant delivery, and cellphone services
- 1x points on all other purchases
Other benefits:
- Earn 60,000 bonus points after spending at least $6,000 in purchases within the first 180 days of account opening
- Divide eligible purchases into equal monthly payments with no additional interest through the United States Bank ExtendPay® Plan
- Get up to four complimentary access to more than 1,300 VIP lounges worldwide through the Priority PassTM Digital annual membership
- Transfer earned points between your business and personal Altitude cards
Important Considerations:
- It does not have a 0% introductory period on purchases and balance transfers
- It charges an annual fee of $95 after the first year
- Its premium rewards on travel and fuel are capped at $150,000
American Express Business Platinum Card®: Best for Flexible Spending Limit & Premium Travel Perks
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Overview
- Card Details
- Additional Features
on The Business Platinum Card® from American Express's secure website.
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Read Full Review
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Read Full Review
on The Business Platinum Card® from American Express's secure website.
When To Consider the American Express Business Platinum Card®
Business owners who travel frequently and want access to luxury travel perks, such as airport lounges and airline fee credits, may want to choose this business credit card. It also offers no preset spending limit. meaning you can purchase more with your card. While it charges a high annual fee of $695, you can make it up with the premium points rewards you can earn from selected spending categories and rebates from selected brands.
For this reason, this card is our leading business credit card with airport lounge access and is in our roundups of the best business credit cards for travel and best business credit cards with no foreign transaction fee.
Rewards:
- 5x Membership Rewards® points on flights & prepaid hotels booked on amextravel.com
- 1.5x Membership Rewards® points on eligible purchases in key business categories of $5,000 or more
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Earn 120,000 Membership Rewards® after spending $15,000 on eligible purchases within the first three months of account opening
- Receive over $1,000 in statement from the following:
- $400 statement credit per year on US purchases with Dell Technologies
- $360 statement credit per year on Indeed purchases
- $150 statement credit per year on Adobe business subscriptions
- $120 statement credit per year on US wireless telephone service purchases
- Get access to The Global Lounge Collection—which includes more than 1,400 airport lounges across 140 countries and counting
- Upgrade to Marriott BonvoyTM Gold Elite status without meeting any requirements
Important Considerations:
- It does not offer a 0% introductory period on purchases and balance transfers
- It charges a high annual fee of $695
- It requires high spending within a short period to avail the sign-up bonus
- It requires you to pay your balances in full every month
Chase Ink Business Cash®: Best for Earning Premium Rewards on Office Supplies, Internet, Cable & Phone
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Overview
- Card Details
- Additional Features
On Chase's Secure Website
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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 internet, cable and phone 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 purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursem*nt up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Read Full Review
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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 internet, cable and phone 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 purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursem*nt up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Read Full Review
On Chase's Secure Website
When To Consider the Chase Ink Business Cash®
Office-based businesses or businesses whose expenses are mostly from office supplies would want this business credit card as you can earn up to 5% cash back in combined purchases on selected categories, including office supplies. It also offers a 0% introductory period on purchases and charges $0 annual fees. These are why this card is on our lists of the best business credit cards for consultants and best high-limit business credit cards.
Rewards:
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back after the cap is met
Other benefits:
- Receive a $900 cash back after spending $6,000 on purchases within the first 3 months after account opening
- Redeem earned cash back in multiple ways:
- As a statement credit
- Through Chase Ultimate Rewards®
- Partial or full payment of your Apple purchases
- Gift cards
- Get protection for your new purchases for 120 days against damage and theft—up to $10,000 per claim and $50,000 per account
Important Considerations:
- It does not have a 0% introductory period on balance transfers
- It charges a high balance transfer fee
- Its premium rewards are mostly designed for office-based businesses or businesses whose expenses are mainly on office supplies
Amazon Business Prime American Express Card: Best for Frequent Amazon Purchases
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Overview
- Card Details
- Additional Features
on Amazon Business Prime American Express Card's secure website.
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Read Full Review
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Read Full Review
on Amazon Business Prime American Express Card's secure website.
When To Consider the Amazon Business Prime American Express Card
If you primarily make your business purchases on Amazon, then this business credit card is a great option as you can earn cash back rewards on purchases made on Amazon and other sites. Note, however, that this requires an existing Amazon Prime membership to qualify for the card.
Despite this card not offering a long 0% introductory period on purchases and balance transfers, this card is our best business store credit card and is also included in our lists of the best Amazon business credit cards and best business credit cards for restaurant owners.
Rewards:
- 5% back or 90-day terms on selected US purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market
- 2% back on US purchases at restaurants, gas stations, and wireless phone services
- 1% back on all other purchases
Other benefits:
- Get a $125 Amazon.com gift card upon receiving card approval
- Be charged $0 annual and foreign transaction fees
- Issue employee cards and stay on top of expenses with spending limits, alerts, and summary reports
Important Considerations:
- It requires an Amazon Prime membership to qualify for the card
- It does have a short 0% introductory period versus other business credit cards included in their list
First National Bank of Omaha Business Edition® Secured Mastercard®: Best Secured Business Credit Card With High Credit Limit Option
First National Bank of Omaha Business Edition® Secured Mastercard® Card
BEST FOR:
Secured credit lines of as much as $100,000
- Overview
- Card Details
- Additional Features
On First National Bank of Omaha's Secure Website
Intro APR
None
Regular APR
APR: 25.99% variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits from $2,000 to $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Read Full Review
Intro APR
None
Regular APR
APR: 25.99% variable
Annual Fee
$39
Credit Needed
Very Poor to Good
- While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.
Pros
- Available for those with very poor to good scores
- Can set credit limits from $2,000 to $100,000
- Offers free management reports
Cons
- With annual fee
- Charges foreign transaction fee
- No introductory and ongoing rewards
- Requires a security deposit of 110% of the credit limit required
- TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
- QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
- Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
- Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.
Read Full Review
On First National Bank of Omaha's Secure Website
When To Consider the First National Bank of Omaha Business Edition® Secured Mastercard®
Business owners who are looking into rebuilding their credit and want a higher credit limit to make significant purchases would want to include this secured business credit card in their options. Not only can you request a credit limit between $2,000 and $100,000, but you can also save on purchases through automatic rebates through the Mastercard Easy Savings®.
Despite it not letting their cardholders earn card-specific rewards, its high credit limit and the ability to build up your credit scores are why this card is our top secured business credit card and best business credit card for bad credit.
Other benefits:
- Manage your account and view transaction activity through FNBO’s online management system
- Receive coverage for automobile rentals paid with your card
- Get protection against potential fraudulent charges made with your card
Important Considerations:
- It requires a security deposit of 110% of the amount of your requested credit limit
- It charges an annual fee of $39
- It does not have card-specific rewards for its new and existing cardholders
Ramp Credit Card: Best Corporate Charge Card With Fixed-rate Cash Back Rewards
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
- Overview
- Card Details
- Additional Features
on Ramp Credit Card's secure website.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
on Ramp Credit Card's secure website.
When To Consider the Ramp Credit Card
If you are looking for a corporate charge card that lets you earn 1.5% cash back on all purchases, regardless of spending category, then this card may be a good option for you. It can also be a great choice if you use Ramp as your main financial management system, making it easier to track and manage your finances within one system.
For this reason, this card is included in our roundups of the best business credit cards with no personal credit check and best purchasing cards.
Reward:
- Unlimited 1.5% cash back on purchases
Other benefits:
- Save up to $350,000 in partner rebates offered by Ramp
- Be assured that applying to Ramp will not affect your personal credit score
- Receive real-time visibility through their financial management system
- Issue employee cards at no additional cost
Important Considerations:
- It requires you to pay your balances in full each month
- Ramp is not accepting applications from individuals, sole proprietors, and other types of unregistered businesses
How We Selected the Best Business Credit Cards
We reviewed several business credit cards and selected the ones that offer the best deals for small business owners, including low introductory financing, lucrative welcome offers, and generous ongoing rewards. We also considered annual fees, ongoing APRs, and any significant perks and benefits. Furthermore, we included cards with different features that may benefit small businesses.
Frequently Asked Questions (FAQs)
Having a business credit card can help you separate your business and personal finances—this prevents issues with the IRS come tax season. Business credit cards also provide quick short-term financing while letting you earn rewards, take advantage of benefits like 0% APR and expense reporting features, and build business credit. When you have established your business credit, qualifying for other business financing options will be easier.
To find a suitable card for your small business, consider what expense categories you always spend on. Choose one that lets you earn rewards on these categories to maximize its benefits. You should also weigh its fees against its perks and rewards and decide whether the rewards justify the cost. Moreover, determine if you need cards for your employees. If so, select cards with spend management tools, accounting integration, and reporting capabilities.
Typically, the requirements may vary from one issuer to another. In general, most will typically check your personal credit score and require a personal guarantee, which means you will be personally liable for your business’s debts in case it fails. You also need to provide the following information when you apply for a business credit card:
- Personal contact information
- Business name
- Business address
- Business contact information
- Employer identification number (EIN) or Social Security number
- Business type
- Industry category
- Annual revenue
- Anticipated monthly expenses
Business credit cards allow you to build business credit while personal credit cards don’t. Because personal credit cards don’t report to business credit bureaus, all your card transactions won’t contribute to building business credit.
A business credit card is ideal for those who want to build business credit and earn rewards for business-related purchases like office supplies, phones, and the Internet. In contrast, a personal credit card is suitable for those who cannot qualify for a business card or want to earn rewards on nonbusiness-related purchases, such as groceries and streaming services.
Here are the most common types of small business cards:
- Cash back business credit cards offer cash back rewards that can be redeemed as a cash deposit to your bank account, check by mail, or a statement credit.
- Travel rewards business credit cards offer miles or points-based rewards that can be redeemed for travel. They typically come with travel perks, like no foreign transaction fees, airport lounge access, and in-flight discounts.
- Business charge cards work like regular credit cards; however, they require users to pay their balance in full every month. Typically, they don’t come with APRs because you are not supposed to carry a balance.
- Business prepaid cards can be used for online and in-store purchases, but you must load the card first. Business prepaid cards also come with expense reporting systems that let you monitor expenses and set controls. Learn more about what business prepaid cards are and how they work.
- Business fuel cards are charge cards or prepaid cards designed for fuel purchases and businesses with fleets. They offer rebates on purchases at gas stations. Some business fuel cards can be used at all merchants while others are exclusive for use at a specific gas station only.
Bottom Line
The best small business credit card should provide the most value for your business and address your unique needs. To help you find the right card, consider what you’ll purchase with the card and what rewards will help you save money. If you already have a deposit account with a bank or credit union, it’s best to get your card from that financial institution to continue building your financial relationship. By doing so, you could potentially negotiate a better interest rate and add other business products or services to help build your credit history.
