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. Other options include business loans for established business.
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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 Enhanced 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.
  • New: 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 qualifying purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 50% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 50% of the points back.
  • You can also receive 50% 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 11/2016
  • 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

Business Green Rewards Card from American Express OPEN

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & 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 N/A Other Be the first to write one

SimplyCash® Plus Business Credit Card from American Express

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
  • 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 No annual fee N/A 0% for 9 months* 12.99% - 19.99% Variable Cash Back Be the first to write one

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • 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 15.99% - 19.99% Variable Airlines 1

Platinum Delta SkyMiles® Business Credit Card from American Express

  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 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.
  • 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 15.99% - 19.99% 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 13.74%* - 20.74% (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 11.49%* - 20.49% (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 11.49%* - 20.49% (Variable)* Travel Be the first to write one
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