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Business Cards

Business Credit Card Deals: August 2014

We've compiled a list of the 6 Business Credit Card Deals currently available on CreditDonkey.

Business Credit Cards

Compare credit cards for small business from our partners
A small business credit card can provide a secure and convenient method of payment, help with cash flow, and let you earn rewards for your spending. Many of the cards below offer sign-up bonuses, business-friendly rewards categories, and perks for you and your employees. Most business credit cards with rewards programs will help you earn points or miles that you can redeem for cash back, flights, or hotel stays. From basic credit cards with no annual fee, to $450/year premium charge cards, there is practically a card for every budget and type of business.


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How to Choose a Small Business Credit Card

For small business owners, credit is vital. But with so many credit cards available that are designed for businesses, how can you decide which one is right for you and your company? Consider these factors to help you narrow down your selection:

  • If you plan to pay your balance in full each billing cycle, look to maximize rewards with a business credit card with rewards, such as airline miles or cash back.

  • If you plan to carry a balance, look for a card with a low APR. Avoid charge cards, because they usually require that your balance be paid in full each billing cycle.

Featured Offers for Small Business Owners: Chase Business Credit Cards

Ink Cash Business Card Cash Back with No Annual Fee: The Chase Ink Cash Business Card offers $200 bonus cash back after you spend $3,000 in the first 3 months from account opening. You'll also get a 0% introductory APR for 12 months on purchases and balance transfers. Afterwards, the variable APR is 13.24%. There is no annual fee.

Ink Plus Business Card Travel: The Chase Ink Plus Business Card offers 50,000 bonus points after you spend $5,000 in the first 3 months from account opening. That's worth $625 toward travel when you redeem through Chase Ultimate Rewards. There is a $0 introductory annual fee for the first year, then $95. This is a business credit card so you'll have the flexibility to pay your balance over time or in full. Plus, there's no foreign transaction fee and you can transfer points 1:1 to leading frequent travel programs (with no transfer fees).

How to Choose

Small business owners often rely on credit for day-to-day operations, making a reliable credit card vital for keeping their company up and running. Many owners tend to lean on their personal credit card to pick up those costs. However, it’s a smart move to use a small business-oriented credit card instead. This will help keep your personal and business expenses separate, which can be a lifesaver for accounting purposes and for maintaining your personal credit score.

Keeping your personal and business finances separate when possible is a fairly easy decision. In contrast, choosing the right credit card for your small business can become overwhelming. Thankfully, here are three factors that will help you zero in on the business credit card for your specific needs.

  1. Credit versus Charge Card
    First, decide if you’re in the market for a small business credit card or charge card.

    Like personal credit cards, business credit cards allow you to carry a balance over into the next billing period, but with interest. This allowance gives small businesses the ability to pay off an expense over time.

    Alternatively, business charge cards usually require the balance to be paid in full during each billing cycle. This distinction typically isn't a realistic route for cash-strapped start-ups, and is better suited for more-established businesses.

  2. Cost
    As with any aspect of a small business, costs are important. Interest rates and annual fees are the two main costs associated with credit cards before you make your choice:

    • Interest Rate: Business credit cards typically have some of the lowest rates available. Keep in mind that many of the cards also come with introductory rates. Don’t forget to read the full offer details, so you’ll know what the rate will be after the introductory period.

    • Annual Fee: Most business cards have an annual fee. The fee amount can vary greatly depending upon the perks that come with the card. Generally speaking, business rewards credit cards are going to have slightly higher interest rates and annual fee to help the card issuer offset the expense of the rewards and benefits. For that reason, make sure to weigh the benefits of the card with the associated rewards.

  3. Rewards
    If you plan to pay your balance in full each billing cycle, then a rewards credit card may be a smart option for your small business. Your ability to pay on time is a critical factor, since rewards credit cards often feature a slightly higher interest rate than traditional business credit cards. There are a variety of rewards options now available with business credit cards, so consider what would most benefit your small business:

    • Cash Back: Earn cash back on a percentage of your spending

    • Travel: Earn points or miles for airlines, car rentals, and hotels. This is a great option for small businesses with employees who travel extensively

    • Reward Points: Many of the cards allow you to earn points that can be redeemed for a variety of merchandise. Evaluate the merchandise offering in terms of value for your company’s needs.

    While you’re comparing rewards options, read the fine print—take a look at spending caps and any other limits that may come with the rewards program. This step will help ensure that you’re choosing a card with perks that you can fully utilize.

If you pay attention to the factors above while checking out current promotional offers, you should be able to find a card you can put to work for your business.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Best Small Business Credit Cards 2014

Overwhelmed? See the list of the top credit cards for small business owners for 2014 and compare offers from multiple CreditDonkey partners.


Ink Cash Business Card
Read ReviewApply for Ink Cash Business Card
  • Named "Best for Cash Back for Small Business" MONEY® Magazine, October 2013
  • Earn $200 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
  • 0% introductory APR for 12 months on purchases and balance transfers.
  • No annual fee.
Our Review: With no annual fee, the Ink Cash Business Card helps small business owners earn cash rewards fast thanks to an introductory cash back offer. Bonus rewards categories and an introductory 0% APR on balance transfers and purchases for 12 months to sweeten the deal even more. The Ink Cash by Chase is a great bet for small businesses that plan on using their credit card within the US and want the simplicity of cash rewards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% (Variable)
No Annual Fee

Ink Plus Business Card
Read ReviewApply for Ink Plus Business Card
  • Named "Best for Travel Rewards for Small Business" MONEY® Magazine, October 2013
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • Flexibility to pay your balance over time or in full.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • No foreign transaction fees.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95
Our Review: With a strong reward program, generous sign-up bonus, and travel benefits, the Ink Plus Business Card is great for small businesses looking for a go-to card. While the Ink Plus does charge an annual fee of $95, thriving businesses will enjoy the beefier benefits this card offers... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24% (Variable)
$0 Intro Annual Fee for the first year. After that, $95

Ink Bold Business Charge Card
Apply for Ink Bold Business Charge Card
  • Earn 50,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards.
  • No interest charges because you pay your balance in full each month.
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • No foreign transaction fees
  • Direct access to a live service advisor anytime.
  • 1:1 point transfer to leading frequent travel programs with no transfer fees.
  • $0 Intro Annual Fee for the first year, then $95.
Card TypeAnnual Fee
Business Charge Card
$0 Intro Annual Fee for the first year, then $95

CitiBusiness ThankYou Card
Read ReviewApply for CitiBusiness ThankYou Card
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership — redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No Annual Fee*
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsNo Expiration on RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident Insurance
Our Review: Running a business is expensive. With the CitiBusiness ThankYou Card, you can earn 3 points on rotating business categories and 1 point for everything else you buy. It also offers a generous signup bonus and no annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 6 months*
N/A
13.24%* (Variable)
N/A

U.S. Bank Business Edge Cash Rewards Card
Read ReviewApply for U.S. Bank Business Edge Cash Rewards Card
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
Cash Back RewardsBonus Cash BackGas RewardsOffice RewardsNo Expiration on RewardsNo Limits on Rewards
Our Review: Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the US Bank Business Edge Cash Rewards Card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 billing cycles on purchases*
0% for 15 billing cycles*
11.99% - 17.99%* (Variable)
$0

U.S. Bank FlexPerks Business Edge Travel Rewards Card
Read ReviewApply for U.S. Bank FlexPerks Business Edge Travel Rewards Card
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 spent in net purchases Earn double FlexPoints on the category you spend the most on (gas, office supplies or airline) and most cell phone expenses during each billing cycle
  • Earn Triple FlexPoints for your charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, and $55 per year thereafter (+$10 for employees)
Introductory Bonus Reward PointsAirline RewardsPoint Rewards
Our Review: With an introductory 20,000 bonus FlexPoints after $3,500 in net purchases within the first 4 months, the U.S. Bank FlexPerks Business Edge Travel Rewards Card can help cut down on business and travel expense. Redeem reward points toward award travel - starting at 20,000 FlexPoints (up to $400 ticket value) on over 150 airlines with no blackout dates... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
11.99% - 17.99%* (Variable)
$0 intro for the first year, then $55*

CitiBusiness / AAdvantage World MasterCard
Read ReviewApply for CitiBusiness / AAdvantage World MasterCard
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airline AAdvantage® bonus miles and two Admiral's Club® lounge One-Day Passes after making $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, including US Airways codeshare flights booked through American Airlines.*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsConciergeCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident InsuranceEmergency Assistance
Our Review: If you fly American Airlines often for business travel, the CitiBusiness AAdvantage World MasterCard is worth checking out. This card offers 30,000 bonus miles after $1,000 in purchases in the first 3 months of cardmembership. Is this sign-up bonus, in addition to miles earned for every purchase worth the $95 annual fee (waived for the first 12 months)? Let's take a look... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$95, waived for the first 12 months*

U.S. Bank Business Edge Platinum
Apply for U.S. Bank Business Edge Platinum
  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee
  • Free employee cards
  • Zero fraud liability protects you against unauthorized transactions
$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 billing cycles on purchases*
0% for 12 billing cycles on balance transfers*
9.99% - 17.99%* (Variable)
$0 with one purchase per year*

Business Benefits

What are the Benefits of Business Credit Cards?

With increasing demand from businesses, credit cards have become the "it" product for small business financing. The use of credit cards topped the list of financing sources for small businesses, according to a 2008 survey by the National Small Business Association. Check out some benefits of business credit cards below.

  • Accessing a Cash Source: Cards provide an immediate, convenient source of cash. They can be used to pay vendors, order supplies and cover travel expenses.

  • Developing Business Credibility: Help establish a successful record and credit history until more capital is readily available.

    After you've taken the leap to open a small business, you need to maintain your business credibility by being financially responsible. Credit cards can help you do that by allowing you to pay periodic expenses on time without tarnishing your relationships with vendors.

  • Earning Rewards for Your Bottom Line: The perks of most cards can impact your business in a positive way. Today’s credit cards allow you to gain rewards (including cash back, airline miles, and discounts), which can help your business grow.

  • Building a Solid Credit History: Help establish a respectable credit history. One option for businesses is a card with a high spending limit that will allow you to carry a balance. With a balance, payments are more manageable when cash flow is not certain.

  • Record Keeping: Allows for better tracking of purchases. Credit card statements also allow you to monitor your records, employee spending, and any changes to the terms of your agreement.

  • Managing Tax Matters: Credit card statements help you sort your expenses come tax time, and they may also come in handy when a tax bill needs to be paid and your cash flow is dry. While it’s not advisable that you do so often, the Internal Revenue Service has begun accepting credit cards for tax payments.

  • Enjoying Increased Security: Many credit card companies protect the user against poor merchandise and undelivered service, giving the small business owner peace of mind about inventory purchases and new vendors.


Articles on Business

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    Quickbooks vs Freshbooks

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    Whether you're working on sending out invoices, paying taxes, or managing cash flow, there’s more than enough to do on any given day of running a small business. All those minutes of doing non-essential tasks can really add up, taking you away ...

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    The economic climate has inspired both the unemployed and employed to branch off their own and start their own companies, either because they’re tired of searching, they are of tired of not moving up the corporate ladder, or they just have a ...
    Infographic: Family Business

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    March 11, 2014 - By Tina O - Tips
    Some of the world’s most famous businesses have been family-owned. Think about it: the Morgans, the Fords, the Guggenheims, the Waltons, and the Rockefellers, for example, all created and managed companies that are integral parts of America.

    Employee Theft Statistics

    By Livia Gershon - Tips
    For entrepreneurs and small business owners, employee theft can be a difficult subject. No one wants to think the people they’ve chosen to help make their vision a reality could have their hands in the cash drawer. And no boss wants to have to ...

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    Why should Silicon Valley and New York City get the most attention when it comes to starting a new business? We’ve looked across the U.S. at major metropolitan areas to find which ones will increase your chances of entrepreneurial success, and ...

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    While most business owners would no doubt like to retain good employees for years to come, it is not always possible. People leave jobs every day, for various reasons. Sometimes employees leave for better paying jobs, sometimes for personal ...
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    Everybody knows that you don't go to Seattle for the sunshine. You don't go to Boise for the carrots. You don't go to Arizona for the beach, and at least this year, you don't go to Washington, D.C. for the football.

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.