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        Best Business Credit Cards

        丁丁Full Disclosure:丁丁 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        Credit cards are a popular financing choice for small businesses. In fact, the National Small Business Association reports?31% of businesses surveyed for their NSBA annual economic report used credit cards to finance their business in 2017.

        Credit cards that can help your business grow and prosper are critical. You should select the best credit cards to manage your business finances, earn rewards you can utilize, and provide perks and benefits to make business travel more comfortable and productive.

        No matter the size or nature of your business, selecting the right credit card is essential. But where do you start?

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        This rewards card is the most appealing for businesses that travel frequently. Plus, its broad range of bonus earning categories is likely to pair nicely with your business spending patterns.

        丁丁You earn 3x points per $1 spent (up to $150,000 per year) in the following bonus categories:丁丁

        • Advertising on social media and search engines
        • Travel
        • Shipping
        • Internet
        • Cable
        • Phone

        For example, if you spent $50,000 per year in those bonus categories 丁丁you’d earn 150,000 Chase Ultimate Rewards points.丁丁 That’s worth $1,875 when used in Chase’s travel portal to book flights, hotels etc.

        But, those points are?worth significantly more if you transfer those points to airline and hotel partners!

        丁丁Hot Tip:?丁丁If you’re interested in learning more about rewards for advertising (Facebook, Google Ads,? radio, etc.) check out this piece – 丁丁The Best Business Credit Cards for Advertising Purchases.?

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        This rewards card is a clear leader 丁丁if your business requires a lot of travel.丁丁

        Although the annual fee is steep, you’ll find 丁丁plenty of benefits that more than offset the fee, including worldwide lounge access, airline and hotel credits, Uber credits and more.

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        An excellent choice if you’re looking for a 丁丁no annual fee business card.丁丁

        A small business will fare well earning 5% cash-back on several bonus categories including office supply stores, and taking advantage of the 0% APR period can help your business finance a large purchase without costly interest charges.

        丁丁Bottom Line:?丁丁Whether you’re looking for premium travel rewards, a broad range of bonus-earning business spending categories, or a no annual fee business credit card that earns rewards, one of these top business credit cards may be the perfect fit for your business.?

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        There are so many variables when it comes to credit cards, and business credit cards are no different. You’ll need to do a bit of research before selecting a business credit card.

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        • You will be personally responsible for paying the card unless your contract states otherwise. Your personal credit may play a significant role in whether you’re approved for a business credit card.
        • The Federal Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009丁丁?丁丁set new provisions to protect consumers from some of the negative practices of credit card companies, but the 丁丁CARD Act does not apply to business cards丁丁. Your business credit card may have higher fees and be less consumer-friendly, although many banks are now including CARD protections voluntarily on business cards.
        • Credit limits are generally higher for business credit cards than for personal credit cards.
        • Unfortunately, APRs can also be higher on business credit cards, a good reason not to carry high balances.

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        • 丁丁Which are my most significant business expenses?丁丁 You’ll want to select a card that rewards your most significant spending categories, ideally one that rewards all of your spending in those categories, not just a portion.
        • 丁丁What are my business travel requirements?丁丁? Are you a road warrior who values rewards on gas purchases, an in-home business requiring no travel, or a frequent flyer who values premium travel benefits?
        • 丁丁Do you want to earn cash-back丁丁 to reinvest in your business, or is earning travel rewards more of a priority?
        • 丁丁Do the redemption options for rewards add value to the business?丁丁 With cash-back credit cards, the answer may be easy, but can your business benefit from free airline tickets if your business doesn’t require travel? However, it’s perfectly acceptable to use the rewards earned on business expenses for a personal vacation.
        • 丁丁Do I prefer a business card with no annual fee?丁丁 While some high annual fee cards provide exceptional benefits, you might have a preference to stay clear of cards with high annual fees.

        丁丁Bottom Line:?丁丁While it’s essential to select a business credit card that aligns with your expenses and priorities, it’s not a permanent decision. Try the card for a year and determine if it meets your needs. If the card doesn’t have an annual fee, you can hold on to it to build a longer credit history, or cancel your card if it has an annual fee, but doesn’t offer the value you want. You can then select a new, more fitting business credit card, but keep the 丁丁Chase 5/24 Rule in mind.?

        Flower shop business
        Startup businesses might have heavy spending in certain business categories, so you’ll want to select a business credit card that rewards these expenses. Image courtesy of Shutterstock

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        Many new businesses spend a lot on phone expenses, internet service and office supplies, so having a business credit card such as the Ink Business Cash Card?that gives 丁丁5% cash-back丁丁 in these categories could make it a good choice for a startup business.

        While earning rewards for business expenses is a perk, many new businesses have a priority of investing back into their business rather than taking a vacation using points or miles. A cash-back credit card such as the American Express? Blue Business Cash Card?can put cash-back earned directly into your business.

        You’ll also want to consider the American Express Business Gold Card that earns up to 丁丁4 Membership Rewards Points per $1丁丁 on select business spending categories that are your highest spending categories each statement period. The card does charge a $295 annual fee (see Rates & Fees).

        丁丁Bottom Line:?丁丁Startup businesses might have higher initial expenses in specific spending categories. The Blue Business Cash Card and Ink Business Cash Card ensure accelerated earnings in specific categories. The Business Gold Card has business bonus earning categories but also offers the additional benefit of free recruiting, video conference, storage and file sharing.?

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        If your business requires frequent travel and you’re looking for a cash-back card, you’ll do well with the Amex Blue Business Cash Card, which offers travel as one of its 3% business spending bonus categories.

        The Ink Business Unlimited? Credit Card provides solid cashback benefits without having to keep track of special categories or quarterly bonuses. Every purchase you make earns 1.5% cashback that be invested directly back into your business operation.

        For businesses requiring a lot of road travel, the Bank of America Cash Rewards for Business Mastercard will earn 3% cash-back on all those purchases.

        丁丁You can’t beat 5% cash-back丁丁 in several business expense categories such as office supplies, internet, cable, and phone services with the Ink Business Cash? Credit Card.

        丁丁Bottom Line:?丁丁Cash-back is the most flexible reward you can earn as it can be invested right back into your business each statement period to help offset expenses and make your business revenue go further.?

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        丁丁Rewards currencies differ in value丁丁, so we’ve selected these business credit cards each earning a different rewards currency that you can use in a variety of ways that suit your business finances.

        Chase Ultimate Rewards earned on the Ink Business Preferred?can be transferred to airline and hotel partners, redeemed for 25% more on travel through Chase Ultimate Rewards, or even redeemed for cash.

        The Business Gold Card?earns Membership Rewards Points which you can redeem in several ways, but they bring the most value when transferred to one of the 20 hotel and airline partners.

        Last, but certainly not least, is the cash-back you’ll earn on the Ink Business Cash Card.

        丁丁Bottom Line:?丁丁Rewards currencies vary in value, so you’ll want to make sure the rewards you’re earning on your business credit cards offer the丁丁 best redemption value for your business丁丁.?

        Delta Business Class A330
        If your business requires travel, your business credit card can deliver perks that make it more comfortable. Image courtesy of Delta Air Lines

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        丁丁Bottom Line:?丁丁Earning travel rewards on your business expenses is a fast way to accumulate points and miles that can be redeemed for free travel whether for a business trip or personal vacation.?

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        There aren’t many business credit cards that provide complimentary airport lounge access. Premium personal cards may make excellent alternatives if this benefit is valuable to you. The Citi?/AAdvantage? Executive World Elite? Mastercard??offers access to the American Airlines Admiral’s Clubs, and the Chase Sapphire Reserve??gives access to Priority Pass Select lounges.

        丁丁Bottom Line:?丁丁If you have frequent business travel and lounge access is important to you, The Business Platinum Card is an excellent choice. Again, you’ll find a steep annual fee — about enough for an annual lounge membership — but this card gives you access to several lounges for the effective price of just one.?

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        丁丁Bottom Line:?丁丁If your business involves travel and you 丁丁frequent a particular brand of airline or hotel丁丁, you’ll find value in a co-branded airline or hotel business credit card. Not only will you be earning rewards that can subsidize your business travel budget, but you’ll also enjoy perks and benefits that make travel more comfortable and productive.

         

        Man working on laptop
        Business cards with 0% APR periods can help spread out the repayment of a large purchase or allow you to transfer balances from high-interest credit cards and pay off that debt without interest.

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        丁丁Bottom Line:?丁丁You don’t need to pay an annual fee to find a credit card that earns rewards for your business spending.?

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        None of these 0% APR business cards charge an annual fee.

        Keep in mind there is an expiration date on the 0% APR. You should 丁丁pay off your balance before the expiration丁丁 so you won’t be subject to interest charges on any remaining balance when the 0% APR period ends.

        丁丁Bottom Line:?丁丁A business credit card with a 0% APR period for purchases can help your business with cash flow as you spread out the repayment of a large purchase over time.?

        If you need more information on these types of cards, read our post on 丁丁the best 0% APR credit cards.

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        The IRS gives us the bottom line on what constitutes a business in its statement: “Generally, an activity qualifies as a?business?if it is carried on with the 丁丁reasonable expectation of earning a profit丁丁.”

        Under that definition, a business can range from opening a restaurant to selling homemade jam or refereeing soccer on the weekends, as long as it has a reasonable expectation of earning a profit. Even if your side gig is small, it may still qualify for a business credit card because your personal credit will play a significant role in whether you get approved for a business credit card.

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        Before applying for a business credit card, you’ll want to make sure you have the following information handy:

        • The legal name of your business (this can be your own name)
        • Your business entity?(sole proprietor, partnership, S corporation, limited liability company)
        • Tax ID number, which can be either an Employer Identification Number or Social Security number
        • Years you’ve been in business
        • Business revenue (yes, it can be zero) and total personal income
        • Business address (can be the same as your personal address) and phone number
        • Type of business and?subtype of business (for example, services, subtype cleaning?services)
        • Number of employees
        • Possible additional personal information

        丁丁5 tips for completing the business credit card application:丁丁

        1. 丁丁Don’t lie. 丁丁Provide information that is as accurate as possible.
        2. 丁丁Relationships matter.丁丁 Having other credit cards (with a positive history) or a bank account with the financial institution issuing the credit card will increase your chances of approval. If you have a banking relationship, for example, you may want to apply for the business credit card in person.
        3. 丁丁Keep a copy of the application. 丁丁If for any reason you are not approved, or if the issuing bank needs more information, you can refer to your application during any follow-up conversations.
        4. 丁丁Make notes. 丁丁On the copy of your application, make notes as to why you answered a question a certain way. Did you estimate your earnings? What was the process you used for the estimate?
        5. 丁丁Take a screenshot of the offer.?丁丁Before you hit submit, make sure you’ve documented the credit card offer. Applying for an offer that gives you 50,000 miles after your first purchase? Be sure you have a screenshot to refer to if those 50,000 miles don’t show up.

        It’s also not a bad idea to familiarize yourself with the rules of each bank before applying. This will ensure you’re within the card limit for a specific issuer, eligible for the welcome bonuses, etc.

        丁丁Bottom Line:?丁丁You can apply for a business credit card 丁丁even if your business doesn’t yet have income丁丁. A strong personal credit history increases your chances of being approved. Consider applying in person at a local bank branch where you’ve done business.? ?

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        Some business owners question whether it’s necessary to have a business credit card for your startup or small business. It’s especially questionable if you’re not making a lot of money yet and you’ve been able to utilize your personal credit card for the expenses you’ve incurred so far.

        It’s prudent to 丁丁separate business expenses from personal expenses丁丁, and it can become critical when it comes time to pay taxes or produce supporting information for an audit. An easy way to separate expenses is to open a bank account for your business and apply for a business credit card to use for your business-related purchases.

        Additionally, business credit cards frequently offer perks for businesses, have higher credit limits, and reward business category purchases more than personal cards.

        丁丁Hot Tip:?丁丁Don’t miss our piece on How to Maximize Rewards from Your Business Purchases.

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        Knowing the difference between a charge card and a credit card can help you make an informed decision on which card fits your business spending patterns best.

        A?丁丁credit card allows you to carry a balance from one statement period to another丁丁. You will be charged interest on any carryover balance. A 丁丁charge card requires the balance to be paid off in full each statement period丁丁.

        Charge cards may have offers that allow you to carry over a balance, but it is not guaranteed. The credit card issuer has to explicitly grant you this privilege.

        One advantage of a charge card is no specified spending limit, as the credit card issuer will determine this based on how you’re managing the card.

        If a charge card is what you’re looking for, consider the 丁丁Brex corporate card. Brex is a company that has turned business credit cards on its head. See 丁丁here for more details.

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        • 丁丁Best card for travel perks:丁丁 The Business Platinum Card
        • 丁丁Best card for cash-back:丁丁 Ink Business Cash Card
        • 丁丁Best card for travelers:丁丁 The Ink Business Preferred Card
        • 丁丁Best card for startups:丁丁 Blue Business Cash Card
        • 丁丁Best small business credit card:丁丁 Ink Business Cash Card
        • 丁丁Best card for lounge access:丁丁 The Business Platinum Card
        • 丁丁Best business hotel card:?丁丁Marriott Bonvoy Business? Credit Card from American Express
        • 丁丁Best card for balance transfers: 丁丁Blue Business Plus Card
        • 丁丁Best card for 0% intro APR: 丁丁Blue Business Plus Card
        • 丁丁Best no annual fee card:丁丁 Ink Business Cash Card
        Best Small Business Credit Cards
        To choose the best business credit card for your situation, you’ll need to see where your business spends money (the categories of spend, e.g. shipping, advertising, travel) and pick cards that reward you best, whether it’s cash-back or points! Image courtesy of Shutterstock

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        Opening a business credit card is a positive step that supports the future growth of your business, and you do not need to have a large business to qualify.

        While this list of the best business credit cards is exhaustive, there are many more options available.

        Find the best business credit card for your business by researching the best available cards, their rewards and benefits, as well as drawbacks. A business credit card can make a big difference for your business and it’s critical to make an informed decision.


        The information regarding the Ink Business Preferred? Credit Card, Ink Business Cash? Credit Card, and Bank of America Cash Rewards for Business Mastercard? was independently collected by Upgraded Points and not provided nor reviewed by the issuer.?

        For rates and fees of The Business Platinum Card? from American Express, click here.
        For rates and fees of the American Express Blue Business Cash? Card, please click?here.
        For rates and fees of The Hilton Honors American Express Business Card, please click?here.
        For rates and fees of the Delta SkyMiles? Reserve Business American Express Card, please click?here.
        For rates and fees of the Marriott Bonvoy Business? American Express? Card, click?here.
        For rates and fees of The Blue Business? Plus Credit Card from American Express, please click?here.


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        The Best Business Credit Cards

         

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        Credit CardWelcome OfferInfo
        Marriott Bonvoy Business? American Express? Card

        Terms Apply

        • 75,000 Bonus Points
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The United? Business Card United Business Card
        • Earn 100,000 Bonus Miles
        丁丁 Apply Now Full review
        Southwest Rapid Rewards? Performance Business Southwest Performance Business
        • Earn up to 100,000 points
        Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Marriott Bonvoy Business™ American Express® Card Marriott Bonvoy Business™ American Express® Card

        Terms Apply

        • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Ink Business Cash? Credit Card The Chase Ink Business Cash business credit card
        • Earn $500 bonus cash back
        Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Ink Business Preferred? Credit Card Chase Ink Business Preferred
        • New Offer! Earn 100,000 bonus points
        丁丁 Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        American Express® Business Gold Card American Express® Business Gold Card

        Terms Apply

        • Earn 35,000 Membership Rewards? points after you spend $5,000 on eligible purchases
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The Business Platinum Card? from American Express American Express Business Platinum

        Terms Apply

        • Earn up to 75,000 Membership Rewards? points.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Ink Business Unlimited? Credit Card Chase Ink Business Unlimited
        • Earn $500 bonus cash-back
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Delta SkyMiles® Reserve Business American Express Card Delta SkyMiles® Reserve Business American Express Card

        Terms Apply

        • Earn 45,000 bonus miles
        Apply Now 丁丁Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The JetBlue Business Card

        The information for the JetBlue Business Card has been collected independently by Upgraded Points. The card details on this page have not been reviewed or provided by the card issuer.

        • 30,000 points
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        CitiBusiness? / AAdvantage? Platinum Select? Mastercard? Card Art Unavailable
        • Earn 65,000 AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening
        Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        American Express Blue Business Cash? Card American Express? Blue Business Cash Card

        Terms Apply

        • Earn up to $300 back.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The Plum Card® from American Express The Plum Card® from American Express

        Terms Apply

        • None
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        丁丁 Business Green Rewards Card from American Express American-Express-Business-Green-Rewards

        Terms Apply

        • Earn 15,000 Membership Rewards? points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
        Apply Now Full review

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        The Hilton Honors American Express Business Card The Hilton Honors American Express Business Card

        Terms Apply

        • Earn 125,000 Hilton Honors Bonus Points.
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Delta SkyMiles® Platinum Business American Express Card Delta SkyMiles® Platinum Business American Express Card

        Terms Apply

        • Earn 45,000 bonus miles
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        Delta SkyMiles® Gold Business American Express Card Delta SkyMiles® Gold Business American Express Card

        Terms Apply

        • Earn 40,000 bonus miles
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

        丁丁 The Blue Business? Plus Credit Card from American Express The_Blue_Business_Plus_Credit_Card_from_American_Express

        Terms Apply

        • Earn up to $300 back to boost your business
        Apply Now Full review Rates & Fees

        U.P. Rating ? The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.


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        One of the primary reasons for having a business credit card is to separate your business expenses from your personal expenses making it easier at tax time or to provide documentation in the case of an audit. Some business credit cards provide record keeping tools, syncing with Quickbooks and other financial management tools.

        Additionally, business credit cards may offer higher credit limits, free employee credit cards and earn bonuses in business spending categories that you won’t find on personal cards.

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        You apply for a business credit card in your business name and all spending that relates to your business activity goes on the business credit card. Although you apply for a business credit card, your personal credit history can make a difference in whether you’re approved as you’ll normally be personally responsible for debt incurred on the card.

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        Your personal credit history is normally taken into consideration and a hard pull inquiry is done on your personal credit report when you apply for a business credit card. While this might affect your personal credit by a few points initially, opening a business credit card may not affect your personal credit in the long term.

        If you default on your payments to the business credit card, however, the information will be reported to your personal credit report. Most business credit card issuers do not report activity to your personal credit report unless there is negative activity.

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        There is no one best credit card for every business because benefits, rewards, and the value the business card adds to your business will vary.

        丁丁Reviewing the benefits丁丁 of each card you’re considering and asking yourself if a benefit adds value to your business?can help you select the perfect card.

        If you’re trying to 丁丁keep costs to a minimum丁丁, for example, you might select a rewards-earning business card with no annual fee such as Ink Business Cash Card.

        The 丁丁spending habits of your business should match up丁丁 with the bonus spending categories on the credit card for maximum rewards earning. If you’re a road warrior, for example, you might select a card that rewards purchases at gas stations and hotels

        丁丁Selecting a card with a 0% APR period丁丁 for purchases and/or balance transfers may also be an option to help with your small business cash flow.

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        The short answer is yes, but it is not prudent to do so because one of the primary benefits of opening a business credit card is to keep business and personal expenses separate.

        When personal expenses are put on a business credit card, you could run into problems at tax time trying to sort it all out and even have difficulty in case of an audit.

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        Yes, in most cases business credit cards are personally guaranteed and you will need to provide your personal information when applying for a business credit card so an inquiry can be done on your personal credit report.

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        Generally, no. Even if you’re just starting out, with good or better personal credit, you can qualify for a business credit card as long as your business activity has the reasonable expectation of a profit.

        With that said, every credit card issuer has their own requirements for issuing business cards.

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        The primary reason to use a business credit card is to keep personal and business expenses separate. Combined with a business checking account, a business credit card can help establish your business as a formal entity.

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        You can be approved for a business credit card even if your business does not yet have profits. You will need a strong personal credit history to be approved but it is possible to secure a business credit card without a profit.

        Christine Krzyszton

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        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        丁丁Disclaimer:丁丁 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        1. Mike丁丁 June 1, 2018

          Thanks for all the info.

          Just have to mention 2 business cards we are involved with and seem to get little / no mention on the web, but we think they are great (yes everyone’s needs are different).

          Capital One Spark – $60? Annual fee. A flat 2% back as cash, with no caps I think, awarded as soon as end of the month if you want. We take it as a credit back onto the account. Forget having to deal with this sector this quarter gets more, etc. Yes, we use citi Costco for 3% back on travel and restaurants and 4% on gas. 2 cards, pretty simple and nice $$ back.

          And the cutest perk – you can send in a picture as often as every 30 days and they print new credit cards with that picture : ). For our family business, we use family pictures on the cards (funny, it’s a business card perk but we use family / personal pics).

          And a Bank of America card my wife has from another business she is involved with. 1% back on all purchases. Not the best, but….each card holder gets those points rather than the account holder. The boss lets each card holder use the points they earned and keep the rewards. My experience w business card is that rewards are usually pooled to the account holder.

          Also side note:, with these business cards, each user card is unique number. For our family business account, we have 1 card/‘employee’ whose card is used only for recurring expenses / card is locked up. That way, likelihood of that number being lost / getting into wild and need to be cancelled is slim so you don’t have to go to each of those recurring charge vendors to update to a replaced card number ; )

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          • Thanks for the feedback on the business credit cards you’re using as it sounds like you’ve found a combination of cards you’re happy with and that fit your situation. It also sounds like you’re having fun keeping those family photos updated on the cards.

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        2. Rob Hoffman丁丁 December 13, 2019

          This is a very informative article with great information. I am applying to the Chase Ink Business Prefered because of its 0% APR and no annual fee. Was thinking about the American Express Gold but I don’t spend enough in expenses every month to make the 3x points and 395 dollar fee worthwhile. Thank you again.

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        3. Rob Hoffman丁丁 December 13, 2019

          This is some solid information. I am going with the Ink Preferred because of the lack of fee and the 0% APR for the first year.

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        4. FactorLoads丁丁 June 3, 2020

          I agree with what you said. I also think that opening a business credit card is a positive step that supports the future growth of your business, and you do not need to have a large business to qualify. I think that a credit card is very useful to have.

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        5. Nova Cash Flow Finance丁丁 June 21, 2020

          Yes, I totally agree with what you said. I also think that we should select the best credit cards to manage your business finances, earn rewards you can utilize, and provide perks and benefits to make business travel more comfortable and productive. I think that by doing this, we can avoid financial issues. Thanks for sharing this article.

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        6. I am looking for a credit card for my small business. I was interested in The Business Platinum Card? from American Express. This is very helpful for having good business finances. Thanks for sharing this article.

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