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 Blue Business® Plus Credit Card from American Express

Fuel your vision with 2x points*
  • Earn 2x Membership Rewards® points on everyday business purchases up to $50K with no category restrictions*
  • 1X Points on purchases thereafter*
  • 0.0% introductory APR on purchases and balance transfers for 12 months. After that your APR will be a variable rate, currently 13.24-19.24%, 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 0% on Balance Transfers for 15 months 0% on Purchases for 15 months 12.99% - 20.99% Variable Other Be the first to write one

BBVA Visa® Business Rewards Credit Card

  • No Annual Fee
  • 0% Introductory APR for 9 months on purchases
  • Earn 1 point for every $1 in purchases1
  • Earn 3x points at office supply stores and 2x points at gas stations and restaurants2 
  • Online account services
  • Employee cards at no additional cost
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* 3.99% for 1 year* N/A 9.24%* - 23.24% (Variable)* Flexible Options Be the first to write one

The Hilton Honors American Express Business Card

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Passâ„¢ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply*.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $95 N/A N/A 17.49%-26.49% Variable Hotels Be the first to write one

Delta Reserve for Business Credit Card

  • Earn 45,000 bonus miles and 10,000 MQMs after you spend $4,000 in purchases with your new Card in the first 3 months.†
  • Pay no foreign transaction fees when you spend overseas.‡
  • Complimentary Delta Sky Club® Access.‡
  • Terms and limitations apply
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $450 N/A N/A 17.49% - 26.49% Variable Airlines Be the first to write one

Bento for Business

  • Business debit Mastercard paired with a robust employee expense management system including a full-featured web and mobile app.
  • More control than business credit cards: set spend limits by day/week/month, vendor type, or amount; turn cards on/off with a click.
  • Free 60 day trial; After, simple pricing with NO hidden fees including multiple no fee options.
  • Use instead of petty cash, checks, or credit for PT/FT staff or contractors, or use as "utility" cards for a project or spend category.
  • No personal liability or impact on credit score; instant online approval with no credit check.
  • Automatic sync with Quickbooks or easy Excel or PDF export; seamless receipt capture on mobile app.
  • Excellent reporting with auto-categorization of spending, universal search functionality, real-time dashboard overview and real-time 2-way alerts.
  • FDIC insured account with Fraud coverage if your card is ever lost or stolen.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
N/A, Poor Credit Business $0 N/A N/A N/A None Be the first to write one

Ink Business Unlimited(SM) Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A N/A 13.24%* - 19.24% (Variable)* Cash Back Be the first to write one

Business Edition® Visa® Card

  • No annual fee*
  • 0% introductory APR* on purchases and balance transfers for the first 6 billing cycles. After that, a variable APR based on the Prime Rate between 12.24% and 20.24% APR depending on your creditworthiness.
  • Control your financials with a competitive rate.
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 12.24%* - 20.24% (Variable)* None Be the first to write one

U.S. Bank Business Leverage™ Visa Signature® Card

  • Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
  • 2X in your top 2 categories - Earn two points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically.
  • 1X – Earn one point per dollar spent on all other eligible net purchases.
  • No caps or limits – On the total points you can earn.
  • Earn even more rewards – When you link you card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases. Go to usbrelationshiprewards.com for more details.
  • Free employee cards
  • Variable APR currently at 16.49%
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $95* N/A N/A 18.74% (Variable) Other Be the first to write one

TD Business Solutions Credit Card

  • Earn $300 Cash Back when you spend $3,000 in eligible purchases within the first 90 days
  • No caps, no limits as long as your account is open and in good standing
  • Earn 3% Cash Back on phone, internet and cable services
  • Earn 2% Cash Back on dining and at gas stations
  • Earn 1% Cash Back on other purchases*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* N/A 0% for 6 billing cycles* 12.99%* - 22.99% (Variable)* Cash Back Be the first to write one

Novo Debit Card

  • Travel without limits. Your Novo debit card is EMV chip protected and accepted worldwide.
  • Going abroad? Set a travel notice, pack your bags and your Novo card.
  • Receive instant notifications for every transaction.
  • Withdraw money anywhere and get refunded on any ATM fees.
  • No minimum balance requirements 
  • No fees on Automated Clearing House (ACH) transfers 
  • No hidden fees
  • Incoming wires are free of charge, both domestic and international 

Novo also provides you with a debit card that is accepted worldwide and is EMV chip protected. We don’t charge you ATM fees or international card fees and you can choose if you want notifications on your device for every card transaction.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
N/A Business N/A N/A N/A N/A* None Be the first to write one
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