Can using a business credit card affect my personal score?

Applying for a small-business credit card can impact your personal credit score. Using the card may also, depending on the card itself and how you handle it. Negative behavior on business cards is typically reported to consumer credit bureaus.

Are business card annual fees tax deductible?

Assuming the credit card is only used for business expenses, it is possible to deduct the full annual fee from your business income.

Small-Business Credit Cards

Small-business credit cards are a flexible financing option for entrepreneurs. Getting these cards largely depends on your personal credit score, rather than factors like annual revenue or time in business. And, in most cases, you’re personally responsible for repaying debt accumulated on your company card if your business can’t.

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Top small-business credit cards

0% APR business cards

Company cards for LLCs

Cards for new businesses

Secured business cards

Cash-back business cards

Company cards FAQ

What types of company credit cards are there?

Company cards fall into two main categories: business credit cards and corporate cards. Typically, business credit cards are available to small businesses of all shapes and size, whereas corporate cards are only for incorporated entities that meet certain financial thresholds.

Who can apply for a small business credit card?

Almost anyone who runs a business — either formally or as a side gig. You don’t need a certain business structure or existing business credit history to qualify. Approval is largely based on your indiivdual credit history.

Can I use a personal credit card for my business expenses?

Yes, and In some situations, it may even be more beneficial to use a consumer credit card. But business cards also have distinct benefits vs. personal options — including higher limits — and can keep your personal and professional spending separate.

Small-business credit card basics

Guides

Read our small-business credit card reviews

U.S. Bank Business Triple Cash Rewards: A Triple-Threat Cash Back Card

5.0

NerdWallet rating

The U.S. Bank Business Triple Cash Rewards card offers business-friendly bonus categories, a long intro APR period and a generous sign-up bonus.

Capital One Spark Cash Plus: Easy-to-Manage Cash Back

5.0

NerdWallet rating

Chase Ink Business Unlimited Review: Simple, No-Frills Cash Back

5.0

NerdWallet rating

This card earns a flat 1.5% back on everything, with no categories to keep track of and an unusually generous sign-up bonus for its class.

AmEx Blue Business Plus: A Valuable But Flawed Business Travel Card

4.4

NerdWallet rating

Earn double points on purchases up to an annual cap, snag a generous intro APR offer and gain some credit limit flexibility.

Amazon Business Prime AmEx Review: High Rewards or 0% Period

4.2

NerdWallet rating

Choose between a top rewards rate on Amazon-related purchases or a temporary interest-free window on them. But you must be an Amazon Prime or Business Prime member to get the card.