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Business Credit Cards

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.)

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*

  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until February 2015 N/A N/A 12.9% – 20.9%*Variable $0

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*

  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until February 2015
  • 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until February 2015 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: 630*

Lowest Approved Score: 575*

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance 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 $250 cash bonus - just spend $5,000 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance 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 25,000 bonus miles - just spend $5,000 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance 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® / AAdvantage® World MasterCard®

Great For: Earning rewards for business expenses.

Credit Needed: Excellent

Average Approved Score: 742*

Lowest Approved Score: 668*

  • 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*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance 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 APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance 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 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 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
  • 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, after that $49 $55 (+$10 for employees) $0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 11.99% – 17.99%* Variable $0 intro first year, then $55

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • It's easy to keep things simple with the Business Platinum Visa Card!
  • Special 0% Intro APR on purchases for the first 12 months
  • No Annual Fee
  • Zero Fraud Liability Protection
  • Free Employee Cards
  • ScoreBoard free online reporting
  • Access to "Connect", U.S. Bank site that provides small business owners with useful information, tools and resources
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Billing Cycles 0%* 12 Billing Cycles 9.99% - 17.99%* Variable $0 with one purchase per year*

Capital One® Spark® Select for Business

Great For: Building business credit with rewards on purchases.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Save with our lowest intro APR on all purchases until May 2015
  • Enjoy no annual fee
  • Build business credit with responsible use
  • Earn 1 mile per dollar on all purchases and there’s no limit to the amount of miles you can earn
  • Miles don’t expire and can be redeemed for travel, merchandise, gift cards, cash and more
  • Fraud Coverage if your card is ever lost or stolen
  • No Foreign Transaction Fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until May 2015 N/A N/A 10.9% – 18.9%*Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn 35,000 bonus miles after your first purchase*
  • Receive a one-time 50% off a companion discount on roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
  • Earn up to 40,000 annual bonus miles – 20k miles with $50-$99k annual spend or 40k miles with $100k or more annual spend
  • Earn 2X miles on direct purchases from Hawaiian Airlines and 1X miles on all other purchases
  • No foreign transaction fees on purchases
  • Complimentary employee cards help you earn rewards faster and control business spending
  • Easier expense tracking with a consolidated statement showing all expenses
  • See Terms and Conditions for details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 15.99% or 24.99%* Variable $89

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.

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.