Review and compare the best business credit cards for your credit score. See the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.)
SimplyCash® Business Card from American Express
Great For: Cash back and savings on business expenses like office supplies.
Credit Needed: Excellent
Average Approved Score: 710
Lowest Approved Score: 625
- With no annual membership fee, it’s a smart choice for your business
- Automatic cash back - cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%
- Terms and limitations apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | 6, 9 or 12 Months | No | No | 12.24% – 19.24%* Variable | N/A |
Business Green Rewards Card from American Express OPEN
Great For: Earning rewards for business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Receive 5,000 bonus points on your first purchase
- No pre-set spending limit* or finance charges
- Earn One Membership Rewards® point for every dollar you spend
- Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
- $0 introductory annual fee for the first year, then $95
- Terms and restrictions apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $95 |
The Business Platinum Card® from American Express OPEN
Great For: Rewards and savings for business travel expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Limited Time Offer: Get 25,000 Membership Rewards® points after you spend $5,000 in the first three months of Card membership
- Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline
- 20% Travel Bonus when using Membership Rewards® Pay with Points
- Take advantage of 40 premium benefits to help power your business
- Complimentary access to 600+ participating airport lounges through Priority Pass™ Select
- Business Platinum Concierge is like your own assistant, ready to help you with just about anything personal or professional, 24 hours a day
- Purchasing power that can adjust as your business evolves
- Terms & Restrictions Apply*
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $450 |
The Business Gold Rewards Card® from American Express OPEN
Great For: Rewards for business costs including advertising, gas and shipping.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership.
- Earn points even faster to get more rewards for your business.
- 3X points on airfare purchased from airlines. 2X points at US gas stations.
- Up to $100,000 in each category per year, then 1 point.
- Terms and limitations apply.
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
- $0 introductory annual fee for the first year, then $175
- Apply online to qualify for this offer. See offer terms for details.
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $175 |
Starwood Preferred Guest® Business Credit Card from American Express
Great For: Travel rewards redeemable at over 1,000 hotels and resorts.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates
- Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
- Earn 1 Starpoint® for each dollar of eligible purchases
- $0 introductory annual fee for the first year, then $65
- Terms and limitations apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | N/A | N/A | 15.24% – 19.24%* Variable | $0 introductory annual fee for the first year, then $65 |
Gold Delta SkyMiles® Business Credit Card from American Express
Great For: Earning travel rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 708
Lowest Approved Score: 513
- Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership
- You can check your first bag for free and save up to $50 on a round-trip Delta flight
- 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
- Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
- $0 introductory annual fee for the first year, then $95
- Terms & Restrictions Apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| None | N/A | N/A | 15.24% – 19.24%* Variable | $0 introductory annual fee for the first year, then $95 |
Capital One® Spark℠ Miles Select for Business
Great For: Low intro rates and travel rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Get a 50% bonus on the miles you earn every year
- Earn 1 mile per dollar on every purchase, every day
- Save with 0% intro APR on all purchases until December 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- There's no limit to the amount of miles you can earn and miles don't expire
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | until December 2013 | N/A | N/A | 12.9% – 20.9%*Variable | $0 |
The Plum Card® from American Express OPEN
Great For: Business discounts with tools to manage and monitor your spending.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Limited Time Offer: Get a 2% Discount consisting of a 1.5% Early Pay Discount plus, for the first 6 months, get an extra 0.5% on all purchases, up to $250,000.
- Do business on your terms
- Pay no annual membership fee for your first year. Then, pay $250 annually.
- No annual fee for Additional Cards.
- Terms & Restrictions Apply
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | N/A | $0 introductory annual fee for the first year, then $250 |
Capital One® Spark℠ Cash Select for Business
Great For: Cash back rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Get a 50% bonus on the cash back you earn every year
- Earn 1% cash back on every purchase, every day
- Save with 0% intro APR on all purchases until December 2013
- Enjoy no annual fee
- Get online Quarterly and Year-End Summaries
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | until December 2013 | N/A | N/A | 12.9% – 20.9%*Variable | $0 |
Capital One® Spark℠ Classic for Business
Great For: Building business credit with cash back rewards.
Credit Needed: Fair
Average Approved Score: 624
Lowest Approved Score: 578
- Enjoy no annual fee
- Build business credit with responsible use with eligibility for an automatic credit line increase
- Earn 1% cash back on every purchase, every day
- Separate business expenses from personal expenses
- $0 Fraud Liability if your card is ever lost or stolen
- Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | 22.9%* Variable | $0 |
Capital One® Spark℠ Cash for Business
Great For: Cash back rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Earn 2% cash back on every purchase, every day
- Get a $100 cash bonus - just spend $1,000 on purchases within the first 3 months
- Receive a $50 cash bonus by signing up for one or more employee cards
- Enjoy award-winning small business customer service
- $0 intro annual fee for the first year; $59 after that
- Redeem cash rewards anytime, for any amount, even set up automatic redemption
- Earn unlimited cash rewards that don't expire
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | 13.9% – 20.9%* Variable | $0 intro for first year; $59 after that |
Capital One® Spark℠ Miles for Business
Great For: Earning travel rewards for your business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Earn 2 miles per dollar on every purchase, every day
- Get 10,000 bonus miles - just spend $1,000 on purchases within the first 3 months
- Receive 5,000 bonus miles by signing up for one or more employee cards
- Enjoy exclusive, award-winning customer service
- $0 intro annual fee for the first year; $59 after that
- There's no limit to the amount of miles you can earn and miles don't expire
- Redeem miles for travel, cash back, gift cards, merchandise, and more
- Fly on any airline, anytime, with no blackout dates or seat restrictions
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | 13.9%-20.9%* Variable | $0 intro for first year; $59 after that |
CitiBusiness ThankYouSM Card
Great For: Earning rewards for business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Designed for businesses with an established credit history
- Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
- Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.
- Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
- No limit to the amount of points you can earn on purchases and points don't expire.
- No annual fee *
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | 6 Months | N/A | N/A | 13.24%* Variable | N/A |
CitiBusiness® / AAdvantage® World MasterCard®
Great For: Earning rewards for business expenses.
Credit Needed: Excellent
Average Approved Score: 748
Lowest Approved Score: 748
- Designed for businesses with an established credit history
- Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
- First eligible checked bag free for you and up to 4 traveling companions*
- Priority Boarding with Group 1 privileges*
- Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
- 25% Savings on eligible in-flight purchases
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| N/A | N/A | N/A | N/A | 15.24% (Variable) | $95, waived for the first 12 months |
U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
Great For: Earning cash back rewards on business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- 0% Intro APR* for 15 billing cycles on purchases and balance transfers
- Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
- 25% annual bonus of your prior year's cash rewards up to $250
- No cap on the cash rewards you can earn and they never expire
- $0* annual fee if you make one purchase per year, otherwise $25*
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | 15 Months | 0% | 15 Months | 11.99% – 17.99%* Variable | $0 |
U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
Great For: Earning travel rewards on business expenses.
Credit Needed: Excellent
Average Approved Score: 0
Lowest Approved Score: 0
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days;
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card
- Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle – and on most cell phone expenses
- Earn Triple FlexPoints for your charitable donations
- Earn 5,000 FlexPoints when you refer a friend who acquires and uses the card
- 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 Annual Fee* the first year, and every year your company spends $24,000 on card; otherwise $55*
| Intro APRPurchases | Intro TermPurchases | Intro APRBalance Transfers | Intro TermBalance Transfers | Regular APR | Annual Fee |
| 0% | 12 Months | 0% | 12 Months | 11.99% – 17.99%* Variable | $0 intro first year, then $55 |
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.
