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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℠ Classic for Business

Great For: Building business credit with cash back rewards.

Credit Needed: Fair

Average Approved Score: 639*

Lowest Approved Score: 545*

  • 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
  • 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
N/A N/A N/A N/A 22.9%* Variable $0

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
  • Miles don’t expire, and there are no categories to limit where or what you buy
  • Save with 0% intro APR on purchases until June 2015;12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 June 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 purchases until June 2015;12.9%-20.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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 June 2015 N/A N/A 12.9% – 20.9%*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 one-time $250 cash bonus once you spend $5,000 on purchases within the first 3 months
  • Cash rewards don’t expire, and there are no categories to limit where or what you buy
  • Receive a $50 cash bonus by signing up for one or more employee cards
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • 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
  • Plus, a one-time bonus of 25,000 miles once you spend $5,000 on purchases within the first 3 months
  • Miles don’t expire, and there are no categories to limit where or what you buy
  • Receive 5,000 bonus miles by signing up for one or more employee cards
  • $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, and more
  • No foreign transaction fees and 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

U.S. Bank Business Edge™ Cash Rewards Card

Great For: Earning cash back rewards on business expenses.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 15 Months N/A N/A 11.99% – 17.99%* Variable $0

U.S. Bank FlexPerks® Business Edge™ Travel Rewards 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 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)
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 11.99% – 17.99%* Variable $0 intro first year, then $55

U.S. Bank Business Edge™ Platinum Card

Great For: Balance transfers and no annual fee.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee
  • Free employee cards
  • Zero fraud liability protects you against unauthorized transactions
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 September 2015; 10.9%-18.9% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • 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, cash back, gift cards and more
  • Fraud coverage 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
0% until September 2015 N/A N/A 10.9% – 18.9%*Variable $0

U.S. Bank Business Edge™ Select Rewards Card

Great For: Earning rewards for your business expenses.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Get 10,000 bonus points when you spend $500 in net purchases during the
  • Earn 3 points per dollar on net purchas
  • Earn 1 point per dollar on all other net
  • Unlimited points with no caps
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 9 Months N/A N/A 9.99% – 17.99%* Variable $0

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.