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Business Credit Cards

Review and compare the best business credit cards for your credit score.

Credit Needed: Excellent, Good

  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 17.24% (Variable) $0 intro for first year; $59 after that

Credit Needed: Excellent, Good

  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months
  • Save on interest with 0% intro APR on purchases until November 2016; 13.24%-21.24% variable APR after that
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% on purchasesuntil November 2016 N/AN/A 13.24% - 21.24% (Variable) $0

Credit Needed: Excellent, Good

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 17.24% (Variable) $0 intro for first year; $59 after that

Credit Needed: Excellent, Good

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months
  • Miles don't expire, and there are no categories to limit where or what you buy
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% on purchasesuntil November 2016 N/AN/A 13.24% - 21.24% (Variable) $0

Credit Needed: Average, Fair, Limited

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 23.24% (Variable) $0

U.S. Bank Business Edge™ Cash Rewards

Great For: Earning cash rewards on business expenses.

Credit Needed: Excellent

  • 3% cash back on cellular, gas and office supply store net purchases**
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
  • See additional U.S. Bank Business Edge™ Cash Rewards details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 9 billing cycles* N/A N/A 12.24% – 18.24%* Variable $0

U.S. Bank Business Edge™ Select Rewards Card

Great For: Earning rewards for your business expenses.

Credit Needed: Excellent

  • Earn 10,000 bonus points when you spend $500 in net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on all other net purchases
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns
  • See additional U.S. Bank Business Edge™ Select Rewards Card details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 9 billing cycles N/A N/A 12.24% – 18.24%* Variable $0

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

Great For: Earning travel rewards on business expenses.

Credit Needed: Excellent

  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases
  • Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints on qualifying charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55* per year thereafter (+$10 for employees)
  • See additional U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A NA N/A N/A 12.24% – 18.24%* Variable $0 intro first year, then $55

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About Business Credit Cards

Business credit cards function much like personal credit cards, but they serve as a useful tool for small business owners and employees to separate personal expenses from professional ones. They also make it easy to issue company cards to employees, and some even offer rewards on common business expenses, like purchases at office supply stores. Also, you can typically access a greater line of credit with a business card than with a personal card.

Your eligibility for a business credit card is determined by both your personal and business credit histories. With your business credit card, as with your personal credit card, it is ideal to pay your balance every month. If you plan on carrying a balance, you will want the lowest APR you can get with your credit score.