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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The Business Gold Rewards Card from American Express OPEN

4X points that adjust to your spending.*
Solutions to meet business needs
  • 4X points on 2 select categories where you spend most each month*
  • Access to our Working Capital Terms program, a flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • Flexibility to pay eligible charges over time with interest, or pay your full balance, whichever is best for your business*
  • APR on purchases will be a variable rate, currently 15.74% - 23.74%, based on your creditworthiness and other factors as determined at the time of account opening.*
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

U.S. Bank Business Platinum

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 9.99% - 17.99%*
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* 0%* intro on BTs for 12 billing cycles on balance transfers* 0%* for 12 billing cycles on purchases* 12.24%-20.24%* (Variable) None Be the first to write one

Gold Delta SkyMiles® Business Credit Card from American Express

SPECIAL OFFER FOR YOU

Earn 35,000 Bonus Miles

After you use your new Card to make $1,000 in purchases within the first 3 months* and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.*

$0 intro annual fee for the first year, then $95.
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 17.49% - 26.49% Variable Airlines 1

Delta SkyMiles® Platinum Business Credit Card from American Express

Earn 5,000 Medallion® Qualification Miles (MQMs) and 45,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.* In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.*

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 17.49% - 26.49% Variable Airlines Be the first to write one

The Business Platinum® Card from American Express

Enjoy premium travel experiences and elevate your business rewards potential.
  • Get 5X Membership Rewards® points on flights and prepaid hotels booked at amextravel.com*
  • 35% Airline Bonus*
  • Step inside the Global Lounge Collection, an exclusive benefit of your Business Platinum Membership, giving you access to over 1,200 lounges across 130 countries through five distinctive programs.*
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 1

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 13.24%* - 20.24% (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.
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 12.49%* - 21.49% (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 12.49%* - 21.49% (Variable)* Travel 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
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 1
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