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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U.S. Bank Business Select Rewards

  • Earn 20,000 bonus points after you spend $1000 in eligible net purchases during the first 90 days after opening your account
  • Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
  • Earn 1 point per dollar on other eligible net purchases
  • No cap on total points you can earn
  • No annual fee*
  • Net purchases are purchases minus credits and returns
  • Variable APR currently at 14.24% - 25.24%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A 0%* for 9 billing cycles on purchases* 14.24%-25.24%* (Variable) Flexible Options Be the first to write one

The Business Gold Rewards Card from American Express OPEN

WELCOME OFFER

Get up to 1 year free of G Suite Basic for 3 users and up to 1 year free of ZipRecruiter Standardin the form of statement credits for purchases on the Card in your first 12 months of Card membership. That's two special offers with a combined value of up to $3,188 if you sign up for both subscriptions. *
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 12.24% - 20.24%*
  • 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

  • Make business travel more rewarding. Earn 60,000 bonus miles after you make $3,000 in purchases on your new Card within your first 4 months.
  • Earn 2 Miles per dollar spent on eligible 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 when you use your American Express Delta Card.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and 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 17.49% - 26.49% Variable Airlines 1

Platinum Delta SkyMiles® Business Credit Card from American Express

Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 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 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.*
  • $200 airline fee credit - Select one qualifying airline to get started. Then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account.*
  • 35% Airline bonus - Book your flight with American Express Travel using Membership Rewards® Pay with Points and get 35% of those points back.* Either book a First or Business class flight, or any class flight with your selected qualifying airline. You can get up to 500,000 points back per calendar year.
  • Global Lounge Collection - We’re #1 where it counts. With more than 1,200 airport lounges across 130 countries and counting, the American Express Global Lounge Collection?* offers travelers more lounge options than any other card on the market. Enjoy the highest levels of luxury at any of our own networks, The Centurion® Lounge and The International American Express lounges, or visit one of our partners including Delta Sky Club® when flying Delta or a Priority Pass Select lounge once enrolled.
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 14.99%* - 21.99% (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 13.24%* - 22.24% (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 13.24%* - 22.24% (Variable)* Travel Be the first to write one
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