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Business Credit Cards

Your business may be small, but your credit card rewards don't have to be. Check out these business credit cards, some of which are from our partners, to find better bonuses and rewards.

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Annual FeeRewards Rate Sign Up Value Annual Rewards

Starwood Preferred Guest® Business Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

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$95
Waived first yearAnnual Fee
2.3%
Rewards Rate
$794Annual Rewards
Apply Nowon American Express’s secure website.
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Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

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$59
Waived first yearAnnual Fee
2.0%
Rewards Rate
$653Annual Rewards
Apply Nowon Capital One’s secure website.
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Capital One® Spark® Miles for Business

Capital One® Spark® Miles for Business

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$59
Waived first yearAnnual Fee
2.0%
Rewards Rate
$653Annual Rewards
Apply Nowon Capital One’s secure website.
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Ink Plus® Business Credit Card

Ink Plus® Business Credit Card

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$95
Waived first yearAnnual Fee
1.0%
Rewards Rate
$539Annual Rewards
Apply Nowon Chase’s secure website.
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SimplyCash® Business Card from American Express

SimplyCash® Business Card from American Express

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$0
Annual Fee
1.0%Rewards Rate
$485Annual Rewards
Apply Nowon American Express’s secure website.
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Ink Cash® Business Credit Card

Ink Cash® Business Credit Card

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$0
Annual Fee
1.0%
Rewards Rate
$460Annual Rewards
Apply Nowon Chase ’s secure website.
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Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash Select for Business

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$0
Annual Fee
1.5%Rewards Rate
$424Annual Rewards
Apply Nowon Capital One’s secure website.
View Details

Capital One® Spark® Miles Select for Business

Capital One® Spark® Miles Select for Business

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$0
Annual Fee
1.5%Rewards Rate
$424Annual Rewards
Apply Nowon Capital One’s secure website.
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CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

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$95
Waived first yearAnnual Fee
1 mile per DollarRewards Rate
$319Annual Rewards
Apply Nowon Citibank’s secure website.
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Gold Delta SkyMiles® Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

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$95
Waived first yearAnnual Fee
1.0%Rewards Rate
$319Annual Rewards
Apply Nowon American Express’s secure website.
View Details
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

NerdWallet: Hey Jessy- Your best bet is probably to try your local credit union. They may be more willing to spend time reading over your business' financials and assessing the credit risk from that standpoint.

NerdWallet: Unfortunately, if your name is on the business credit card, it's going to have some impact on your credit score and will show up on your credit history. This is because you're personally liable for the debts. That said, not all credit card companies report in the same way. US Bank, American Express and Chase will only report card use to your personal account if you miss payments (Citibank, Barclays and Bank of America, however, might). In the case that they don't report to your personal account, your credit limit, length of credit history and debt utilization ratio won't be affected. You will have a short-lived and slight ding on your credit score from a new account inquiry, but that's a temporary and not terribly significant impact.

NerdWallet: Your best bet is probably the Chase Ink Cash, which has no annual fee, pays out in dead presidents and gives a solid set of rewards. You get 5% cash back on office supplies and utilities up to $25k spent a year, 2% on gas and dining up to $25k spent a year, and 1% elsewhere; as far as APR, you get 6 months of 0% APR on purchases and balance transfers, which will give you some time to pay off your debts interest-free. Hope this helps!

Shererski: I'm looking for a business card that has a low interest rate with some type of rewards with cash back and no annual fee. I'm having a hard time making my mind up. Does anyone have any suggestions?

Walter: It's because you still have a hotmail account.

jessy: if I have less than perfect credit but have a great business and great relations with my bank why cant I get a credit card???? my email is jessy.hulett@hotmail.com

Letitia Hall: I'd like to know which credit card would be best for my business in helping it to grow

Tom Gazaway: I hope it's not a violation of the forum policies onl this site but we could go offline if you want to get into details. My email is tom@hawkeyemgmt.net.

Jaibuduvin: I just spoke to yet another Capital One agent who was very quick to inform me, as you said Tom, that in fact, my personal credit report *will* contain an entry for the Capital One business credit card account. I guess you already know my next question: How would I go about finding a business credit card that completely separates business reporting from personal reporting?

Tom Gazaway: This is very interesting but it's also - unfortunately - not surprising. You could be mad at Capital One for their evasive and incorrect information...but you're going to find that customer service agents from all the other major credit card companies are not really prepared to answer detailed questions like yours about the impact on credit profiles. You could obviously see from their evasiveness that they didn't wan to answer the question, then wanted to answer a totally different question...I hope your experience makes it clear that they do not truly know the answer to this important question. As they say, the "proof is in the pudding". I've blogged about this as well. It's actually not anything new. They started reporting business card activity to personal credit a couple years ago. I personally have a business card from Capital One (obtained from them BEFORE they began to report to personal) and we have scores of clients who come to us and since our pre-qual process not only asks about current business cards and debts but also involves a credit check we see it every day. I can assure you that you'll find similar experiences from other lenders about this topic. Unfortunately, they just are not trained to know this. It's similar to working with a mortage lender who writes mortgages and pulls credit reports all the time. Try asking that mortgage lender how FICO scores work, what the FICO scoring range is, how many scorecards are part of the latest FICO model, and which FICO model is current being used and endorsed by Fannie Mae and Freddie Mac. See if they can answer any of these questions. They deal with credit everyday but they are not trained on the details. I wish you the best in your quest but you'll do better to search elsewhere for a better business credit card. You're headed in the right direction by wanting to use a business card for your business instead of a personal card but the foundation of that is to separate your business and personal credit so, unfortunately, you won't accomplish that goal with Cap One.

Jaibuduvin: Hi Tom, Here is the link to the YouTube infomercial about keeping bussiness credit separate from personal credit: http://www.youtube.com/watch?v=6ILGy7oqWec 1:00 mark is where the salient statement is located.

Jaibuduvin: Thanks Tom. I did ask repeatedly if this was the case with a Capital One custumer service representative via their online chat tool. The agent was evasive just enough to induce me to apply for their business credit card. Just now, I called again, feigning to want to open a business credit card account, and the agent was again, evasive. So I decided to use the online chat again, so that everyone here could get the benefit of determining what the truth is: Hi and welcome to our Capital One chat service! One of our Account Specialists will be right with you. You are now chatting with ******* *******: Thank you for visiting Capital One. I'd be happy to help you with your account questions. *******: Whom do I have the pleasure of chatting with today? *******: Hello. you: Hi , I have a question. you: Does my business credit card account get reported to personal credit bureau? *******: I am sorry to say but we do not have any information related to credit report. I suggest you to please contact credit bureaus to get the information. Shall I provide you the contact numbers of them? you: No, I can find the numbers if I want. you: But this is a question for Capital One, not them. you: If I open a business credit card account, will it get reported to personal credit bureau? you: It's a question that has a YES/NO answer. *******: I would like to inform you that all types of credit cards are reported to credit bureaus. you: Which credit bureaus? Business Credit Bureau or Personal Credit Bureau? you: or both? you: or, let me ask the same question in a different way. If I open a business credit card account, will it affect my personal credit profile? *******: No, not at all. *******: Both will count as different accounts. you: I am being told by a credit card expert the opposite of what you are currently telling me. you: Could you do me a favor and verify with you supervisor? I need to know this before I open an account. *******: Let me explain you in a better way. *******: Let us take an example. *******: If you have one personal credit card and one business card. *******: Then whatever activity you made on personal credit card will report to credit bureaus as it is. *******: And whatever activity you made on business credit cards will also report to credit bureaus as it is. you: So my question is simple: If I open a business credit card account with Capital One in January, and pull my personal credit report, using my social security number in September, when I look at my personal credit report in September, will I, or will I not, see the account on my personal credit report for the business credit card? you: yes or no? *******: Just to confirm, do you have business credit card with you? you: Why does it matter whether I already applied or not? *******: I would like to inform you that whenever you will apply for a new business credit card , Capital One will check your personal credit report with the credit bureaus. you: Hm...that's the not my question. you: My question is: When I pull my personal credit report, will I see an entry on my personal credit report for the business credit card with Capital One? *******: No, you will see individually both reports. you: So you are saying that, if I pull my personal credit report, there will not be an item that references the Capital One business credit card account? you: If you are not sure of the answer, I do not mind waiting while you verify with your supervisor. you: This is an important question whose answer I would like to be certain of, before I apply for a business credit card with Capital One. *******: I understand that you need help from our account specialist. I am afraid this request cannot be processed through Chat. However I can definitely give you the number of the team who can assist you with this. Is that okay ? you: Yes. *******: Thank you for considering to call. *******: You would need to contact 1-800-955-7070. A Customer Service Representative is available 24 hours a day, 7 days a week and will be happy to assist you with this request. you: Thank you. *******: You are welcome. *******: My goal today was to provide you with outstanding customer service. I hope I was able to meet that goal for you. If you'd like to provide feedback about your experience with us today, please click the button that reads “End Chat” at top right to answer a few quick questions.

Tom Gazaway: If you are a small business owner then you're going to need to PG (personally guarantee) your business credit card. The problem is that you've chosen the wrong business card. Capital One business credit cards automatically report to your personal credit report each and every month. The translation here is that it's really no different from a personal credit card from a credit perspective. The problem is that 30% of your FICO score is determined by your utilization. Utilization is the balance in relation to the credit limits on your revolving accounts that show up on your personal credit profile. As you use your Capital One business card it will hurt your FICO scores by increasing your utilization. You would be much better to choose a business credit card that does NOT report to your personal credit report each and every month. Then you would not suffer any negative credit damage as you continue to build your business and use your business credit card. I would love to see the link to the youtube video you are referencing.

NerdWallet: This is something you should probably discuss with a lawyer or accountant if you are worried. However, for small businesses it is typical (and maybe even mandatory), for credit cards to be backed by the credit of the business owners. This is called "personal liability". Bigger companies typically get to enjoy credit cards backed by the corporate entity, rather than the business owners, but these are expensive and harder to come by for small businesses. I haven't seen this infomercial, but I would imagine that they are warning you against using your personal credit card to make business purchases, or your business credit card for personal purchases, because that does cause a lot of headaches, both legally and for tax purposes. The Spark card is a great card, so if you need a credit card for your business, you should keep it and be satisfied with your decisions. Hope that helps!

Not Dumb, Just Ignorant: I just watched an infomercial on YouTube that says that it is very bad to use your personal credit to obtain a business credit card. After 4.5 years of sweating, making product to sell, we incorporated, and I used my personal information in conjunction with my business information on a Capital One online application for their Spark card. It was approved, but now I have buyer's remorse. The guy on infomercial says that, once my personal info is mixed in with the business info, it's impossible to undo. Is this true? I also learned today that I have a DUNS number, and I got a glimpse of my report, but I did not carefully check the fields that were shown. I have not yet received the Spark card in the mail, and I am already stressing out. Did I screw up? If so, what can I do to fix?

Excellence2012: Does anyone really respond to these postings

NerdWallet: Erica, we have a few credit cards listed here that may be able to help you. These are geared towards people who have trouble getting other credit cards: http://www.nerdwallet.com/blog/2011/credit-cards-bad-credit/ Be careful, most cards that are meant for people in your position will try to take advantage of you with outrageous fees and rates. These are a few that we think are less predatory. Hope that helps!

Erica T: Erica I had a student loan debt since i relocated to two different states, I have recently secured the debt now i am trying to get a credit card for my small cleaning business and I cant seem to get any breaks. Can anyone help?

Tim: 1) Are there cards which offer the safeguards found in the Credit CARD Act be extended to any card featured on this site? 2) Are there small business cards available which safeguard against unauthorized use?

Paul H: Capitol One Venture for Business is a joke. Well the limit is a joke. My company does $20M in revenue and we spend around $20K per month now on a Mastercard. The MC limit is too low. I applied with Cap One and was given a whopping $5000 credit limit. Guess Amex Platinum it is.

NerdWallet: Thanks JKM, that's actually been on our to-do list for some time now. Perhaps it's time to move it up the list...

Jkm1317: Please allow business cards to go higher on the monthly spending.  I find this 10k limiting, I believe 100k per month (or at least 30k) would be more fitting maximum value for small businesses and certain cards would move up the list if you spend much more.  E.g. the Fifth Third Bank card shows rewards at 2% for over 100k.  If you put 120k as annual max this card would not stand out, if you have 500k as annual spend, this card quickly becomes number 3 or 4 on the list.  Otherwise, GREAT tool! Thanks!