Credit Cards For Business Owners


Are you in search of a card for your small start up, or up and coming business? If you're an entrepreneur interested in growing your business through a few smart investments in the near future, taking on a business credit card to offset client expenditures and basic operational costs can be a smart way to gain some expedited momentum during the early years (or even months) or your small business's development and growth periods. Below, you can find a number of featured and recommended business card offers, sorted by our personal recommendations along with annual percentage rates, potential rewards programs, and more.

Using the guide below, you can find cards for your business that feature perks and bonuses that range from free additional business cards for employee use, security functionality that can protect your business from unauthorized transactions, low introductory APR rates that can go as low as 0% during initial billing cycles, and much more. After a bit of smart comparison shopping using our business card selection, you can go into the planning stage for your business with a much more fleshed out and informed working knowledge of the credit card that will make for your business's best bet.

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Applied Bank® Visa® Business Card

  • Turn Your Hobby or Interest into a Business
  • Less Than Perfect Credit? No Problem! 
  • Easy Approval! Perfect for Sole Proprietors & Entrepreneurs 
  • Reports Monthly to Major Credit Bureaus 
  • Initial credit limit of $500*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit Business See Terms N/A N/A 23.99% Fixed* None Be the first to write one

The Business Platinum® Card from American Express OPEN

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $450 N/A N/A N/A None Be the first to write one

The Business Gold Rewards Card from American Express OPEN

  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0 introductory annual fee for the first year, then $175 N/A N/A N/A Travel 3

The Blue Business℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0 0% on Balance Transfers for 15 months 0% on Purchases for 15 months 12.24% - 20.24% Variable Other Be the first to write one

Gold Delta SkyMiles® Business Credit Card from American Express

  • Limited Time Offer: Earn 50,000 bonus miles after you spend $2,000 in purchases with your new Card in the 1st 3 months and a $50 statement credit after you make a Delta purchase with your new Card in your 1st 3 months.
  • Plus, earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months. Offer expires on 11/8/2017.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0 introductory annual fee for the first year, then $95 N/A N/A 16.24% - 20.24% Variable Airlines 1

Platinum Delta SkyMiles® Business Credit Card from American Express

  • Limited Time Offer: Earn 10,000 Medallion® Qualification Miles (MQMs) and 70,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer ends 11/8/2017
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $195 N/A N/A 16.24% - 20.24% Variable Airlines Be the first to write one

State Farm Bank® Business Visa®

  • Earn 3 State Farm Loyalty Rewards® points for every $1 spent on insurance premium payments, up to $4,000 annually.*
  • Earn 2 points for every $1 spent on eligible travel and office supply purchases.*
  • Earn 1 point for every $1 spent on all other purchases.*
  • Redeem points for merchandise, travel, and eligible State Farm® products.*
  • Visa Shopping, travel, and protection benefits.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Business $0* N/A N/A 14.24%* - 21.24% (Variable)* Other Be the first to write one

The Plum Card® from American Express OPEN

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0 introductory annual fee your first year, then $250 N/A N/A N/A Cash Back 1

Points Visa® Business Credit Card

  • No Annual Fee*
  • Earn 5 points for every $1 in qualifying purchases*
  • Select from hundreds of rewards – including electronics, gift cards, merchandise, travel and even cash
  • Boost your earning potential by linking to your personal PNC points credit card
  • Online Account Management with Account View or PNC Online Banking
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* N/A N/A 11.99%* - 20.99% (Variable)* Flexible Options Be the first to write one

Travel Rewards Visa® Business Credit Card

  • No Annual Fee*
  • Earn 1 mile for every $1 in eligible net purchases*
  • Earn double miles on the first $2,500 in eligible net purchases
  • Book your own travel and then redeem miles for a statement credit
  • Save with no foreign transaction fees on purchases outside the U.S. when you use your PNC Travel Rewards Visa Business credit card
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Business $0* N/A N/A 11.99%* - 20.99% (Variable)* Travel Be the first to write one
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