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Business Credit Cards

Business Credit Card Offers: November 2019

We've compiled a list of the 9 Business Credit Card Offers currently available on CreditDonkey.

Business Credit Cards

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Here are the small business credit cards you should not ignore. Check out the current promotions, including cash back, travel miles, and bonus points.


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How to Choose a Small Business Credit Card

This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the advertiser's affiliate programs.

For small business owners, credit is vital. But with so many credit cards available designed for businesses, how can you decide which one is right for you and your company? These two factors can help 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 think you'll 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.

Hot Deals for November 2019

A new credit card with an introductory offer can be a great way to get a head start on reaching your business goals.

Here are business credit card promotions you should not ignore:

Deals and Promotions

  • Blue Business Cash
    Apply for American Express Blue Business Cash Card
    Cash Back: If you want to reinvest in your business, consider the Blue Business Cash from American Express (a CreditDonkey partner). Blue Business Cash offers 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. There is a 0% intro APR on purchases and balance transfers for 12 months. Then a variable rate, currently 14.74% - 20.74% (See Rates & Fees). There is no annual fee (See Rates & Fees). Terms apply.

  • Blue Business Plus Promotional APR with No Annual Fee (See Rates & Fees): Blue Business Plus earns 2X Membership Reward® points on the first $50,000 spent on eligible purchases each calendar year, 1 point per dollar thereafter. There is a 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 14.74% - 20.74% (See Rates & Fees). There is no annual fee (See Rates & Fees). Terms apply.

  • Ink Business Preferred
    Apply for Ink Business Preferred Credit Card
    Rewards: If you spend more than $1,667 per month for your business, this promotion is for you. Ink Business Preferred lets you earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 80,000 points is worth $1,000 toward travel when you redeem via Chase Ultimate Rewards. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn. There are no foreign transaction fees. There is a $95 annual fee.

  • 2% Cash Back on Every Purchase: Capital One® Spark® Cash for Business offers $500 cash bonus after you spend $5,000 on purchases within the first 3 months. Plus earn $1,500 when you spend $50,000 within the first 6 months. This card earns 2% cash back on every purchase. There is a $95 annual fee ($0 intro annual fee for the first year).

    Does it make sense to choose cash back over reward points? If your business has travel needs, you may find Chase Ultimate Rewards and AMEX Membership Rewards points more valuable. They can be transferred to airline and hotel partners, which often have potential for a higher redemption value.

  • Low Interest with No Annual Fee: U.S. Bank Business Platinum offers 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR, currently 11.99% - 19.99%. There is no annual fee.

  • Business Gold Card Membership Rewards: Business Gold Card earns 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases within the first 3 months of Card Membership. This card earns 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. The 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. There is a $295 annual fee (See Rates & Fees). Terms apply.

  • American Express Business Platinum Travel Benefits: If you spend more than $6,667 per month for your business, this promotion is worth considering. American Express Business Platinum offers up to 100,000 points. You earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. You get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Earn 1.5 points per dollar on each eligible purchase of $5,000 or more (up to 1 million additional points per year). Earn 1 point per dollar for qualifying purchases under $5,000. You can use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back (up to 500,000 bonus points per calendar year). There is a $595 annual fee (See Rates & Fees).

    This card has premium benefits for travelers: The card includes access to the Global Lounge Collection, which gives you complimentary access to over 1,000 airport lounges worldwide. That includes Delta Sky Club, The Centurion lounge network, The International American Express lounges, Priority Pass Select lounges (enrollment required), and Airspace Lounge. In addition, you can enroll your card with Gogo to get 10 Gogo inflight internet passes annually. Terms Apply.

  • Marriott Bonvoy Business Credit Card Travel / Hotel Stays: Marriott Bonvoy Business Credit Card offers 75,000 bonus Marriott Bonvoy points after you spend $3,000 in purchases within the first 3 months of opening your new account. Earn 6x points at participating Marriott Bonvoy hotels. Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Earn 2x points on all other eligible purchases. You receive 1 Free Night Award every year after your Card account anniversary. Plus, you can earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Free Night Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Certain hotels have resort fees. There is a $125 annual fee (See Rates & Fees). Terms apply.

What Kind Of Rewards Are Right for Your Business?

Pretty much all business owners are in favor of earning rewards while reducing costs. The banks know this - that's why they keep flooding your mailbox with enticing reward promotions. They all give different reasons to apply. So how do you pick the right rewards program for your business?

What it comes down to is how your business spends money. Office supplies, cell phone charges, gas station receipts, wining and dining of clients, airfare, hotel stays, and advertising expenses add up. And they add up quickly.

Based on your business, consider what type of expenses you are most likely to put on your card.

© CreditDonkey

  • Travel: If a big chunk of your budget goes toward sending your employees to other places, paying for employees to stay near your office, or footing the bill for car rentals, then a travel-related business credit card is the way to go. While these cards tend to have higher annual fees, they can be deeply rewarding as you accumulate rewards that can be used to shave off the totals of hotel stays or airfare.

    Which airline do you plan to use? Some credit cards, like the Ink Business Preferred and American Express Membership Rewards business cards, allow you to transfer credit card points to their participating airline's frequent flyer programs.

    • American Airlines: Marriott Bonvoy
    • Delta Air Lines: Marriott Bonvoy, American Express Membership Rewards
    • Southwest Airlines: Marriott Bonvoy, Chase Ultimate Rewards
    • United Airlines: Marriott Bonvoy, Chase Ultimate Rewards
    • JetBlue: Marriott Bonvoy, American Express Membership Rewards
    • Alaska Airlines: Marriott Bonvoy
    • Hawaiian Airlines: Marriott Bonvoy, American Express Membership Rewards

    • American Express Membership Rewards (AMEX MR) points can be transferred to over a dozen frequent traveler programs, including airlines like Delta and hotel chains like Hilton.

    • Chase Ultimate Rewards (Chase UR) points can be transferred to frequent travelers programs too. Chase Ultimate Rewards airline transfer partners include United and Southwest. Their hotel transfer partners include Hyatt, Marriott, and the Ritz-Carlton.

  • Cash is king: Who doesn't like cash? If you want rewards in a simpler format, narrow your search to business cash back credit cards.

What to Consider When Choosing a Card for Your Business

Small business owners often rely on credit for day-to-day operations. And a reliable credit card can be vital to keep a company up and running. Many owners tend to lean on their personal credit card to cover those costs. However, it's a smart move to use a card specific for your small business' needs instead. This helps keep your personal and business expenses separate, which can be a lifesaver for accounting purposes and maintaining your personal credit score.

Here are three factors that will help you zero in on the credit card for your unique needs.

  1. Cost
    As with any aspect of a small business, cost is important. Interest rates and annual fees are the two main costs associated with business credit cards:

    • Interest Rate: Keep in mind that many cards come with low-interest introductory rates. But don't forget to read the full offer details so you know what the rate will be after the introductory period ends.

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

  2. Rewards
    If you plan to pay your balance in full each billing cycle, a rewards credit card may be a smart option. Your ability to pay on time is a critical factor, since rewards credit cards often feature a slightly higher interest rate than traditional credit cards. There are a variety of rewards options now available, 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 often.

    • 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 comparing your options, always remember to read the fine print. Take a look at spending caps and other limits that come with a rewards program. This will help ensure that you're choosing a card with perks you can fully utilize.

  3. Credit versus Charge Card

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

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

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

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

Editorial Note: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

For rates and fees of the Blue Business Cash card, please click here.
For rates and fees of the Business Gold Card, please click here.
For rates and fees of the American Express Business Platinum card, please click here.
For rates and fees of the Blue Business Plus card, please click here.
For rates and fees of the Marriott Bonvoy Business Credit Card, please click here.

Disclaimer: The information for the U.S. Bank Business Platinum and Capital One® Spark® Cash for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

How to Build Business Credit

A good business credit score can increase a company's value and protect personal credit. But how can I build my business credit fast? Read on for the answer.

American Express Blue Business Cash Card
Read ReviewApply for American Express Blue Business Cash Card
At American Express' Secure Site
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Our Review: American Express® Blue Business Cash Card offers 2% cash back on up to $50,000 in purchases per calendar year (then 1%). But is it good for your business? Read on... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
0% on balance transfers for 12 months
14.74% - 20.74% Variable
No annual fee

Ink Business Preferred Credit Card
Read ReviewApply for Ink Business Preferred Credit Card
At Chase's Secure Site
  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
Our Review: Looking for a new business credit card? Ink Business Preferred offers more than a sign up bonus. Read this review to see if the benefits are worth it... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 22.74% Variable
$95

American Express Business Gold Card
Read ReviewApply for American Express Business Gold Card
At American Express' Secure Site
  • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
  • *Terms Apply
  • See Rates & Fees
Our Review: Is American Express® Business Gold Card worth it? It depends. Read this in-depth analysis BEFORE you apply... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 23.74% Variable
$295

The Business Platinum Card from American Express
Read ReviewApply for The Business Platinum Card from American Express
At American Express' Secure Site
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
  • 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 eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees
Our Review: The Business Platinum® Card from American Express offers travel-friendly benefits, including Global Lounge Collection, Airline Fee Credit, and Platinum Concierge Service. But is it worth it? Read on to learn the pros and cons... Read full review
Card TypeAnnual Fee
Business Charge Card
$595

The Blue Business Plus Credit Card from American Express
Read ReviewApply for The Blue Business Plus Credit Card from American Express
At American Express' Secure Site
  • Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That's everyday business with the Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms Apply
  • See Rates & Fees
Our Review: Is the Blue Business® Plus Credit Card from American Express worth it? Keep reading to find out what makes this Amex credit card a right pick for freelancers and growing businesses... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
14.74% - 20.74% Variable
No annual fee

The Plum Card from American Express
Read ReviewApply for The Plum Card from American Express
At American Express' Secure Site
  • 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.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees
Our Review: Is the Plum Card® from American Express worth it? Read on to see how this card can help business owners manage cash flow... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $250

Business Green Rewards Card from American Express
Read ReviewApply for Business Green Rewards Card from American Express
At American Express' Secure Site
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
  • 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
Our Review: The Business Green Rewards Card from American Express gives you a way to flexibly manage your business expenses while earning reward points. But is it worth it? Read this review to compare... Read full review
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $95

Gold Delta SkyMiles Business Credit Card from American Express
Read ReviewApply for Gold Delta SkyMiles Business Credit Card from American Express
At American Express' Secure Site
  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in 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 eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • 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
Our Review: Do you travel for business? Is Delta your go-to airline? If so, the Gold Delta SkyMiles® Business Credit Card from American Express could be your ticket to travel-related rewards... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$0 introductory annual fee for the first year, then $95

The Hilton Honors American Express Business Card
Apply for The Hilton Honors American Express Business Card
At American Express' Secure Site
  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card 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 Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$95


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 billing cycles*
0%* for 12 billing cycles*
11.99% - 19.99%* (Variable)
$0*

Delta Reserve for Business Credit Card
Apply for Delta Reserve for Business Credit Card
At American Express' Secure Site
  • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • With Miles Boost®, you can earn 15,000 bonus miles and 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 or more in eligible purchases on your Card in a calendar year.
  • Earn an additional 15,000 bonus miles and 15,000 MQMs after you spend $60,000 in eligible purchases on your Card in a calendar year for a total of 30,000 bonus miles and 30,000 MQMs. Starting January 30, 2020, you will no longer earn bonus miles with this benefit.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • Terms and limitations apply
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$450 ($550 if application is received on or after 1/30/2020)

Marriott Bonvoy Business American Express Card
Apply for Marriott Bonvoy Business American Express Card
At American Express' Secure Site
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
  • Terms apply.
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$125

Platinum Delta SkyMiles Business Credit Card from American Express
Apply for Platinum Delta SkyMiles Business Credit Card from American Express
At American Express' Secure Site
  • 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. Plus, 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 $60 on a round trip Delta flight.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • 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.
  • Terms and limitations apply
  • See Rates & Fees
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$195 ($250 if application is received on or after 1/30/2020)


Read Review
Our Review: Do you fly Southwest? Southwest Rapid Rewards Premier Business Credit Card offers a huge sign-up bonus. But is it right for your business? Read on... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 24.74% Variable
$99


Read Review
Our Review: Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the U.S. Bank Business Cash Rewards World Elite™ Mastercard®... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 15 billing cycles*
0%* for 15 billing cycles*
13.99% - 24.99%* (Variable)
$0*


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 9 billing cycles*
N/A
13.99% - 24.99%* (Variable)
$0*


Read Review
Our Review: Read this in-depth Ink Business Cash review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
14.99% - 20.99% Variable
$0


Read Review
Our Review: Chase Ink Business Unlimited card offers a huge sign-up bonus, 1.5% cash back on all purchases, and no annual fee. Read on for the pros and cons... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
N/A
14.99% - 20.99% Variable
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
24.74% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
18.74% (Variable)
$0 intro for first year; $95 after that


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
18.74% (Variable)
$0 intro for first year; $95 after that


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
13.99% - 23.99% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 9 billing cycles
N/A
12.99% - 22.99% Variable APR on purchases and balance transfers
$0


Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 7 billing cycles
N/A
11.99% - 22.99% Variable APR on purchases and balance transfers
$0

Disclaimer: The information for the U.S. Bank Business Platinum, Southwest Rapid Rewards Premier Business Credit Card, U.S. Bank Business Cash Rewards World Elite™ Mastercard®, U.S. Bank Business Select Rewards Card, Ink Business Cash Credit Card, Ink Business Unlimited Credit Card, Capital One® Spark® Classic for Business, Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, Capital One® Spark® Cash Select for Business, Capital One® Spark® Miles Select for Business, Bank of America® Business Advantage Cash Rewards Mastercard® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, and Bank of America® Platinum Plus® Mastercard® Business card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


Business Benefits

What are the Benefits of Credit Cards for Small Business?

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 credit cards for small business 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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    Infographic: What Makes Small Businesses Sink or Swim

    What Makes Small Businesses Sink or Swim?

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    With small businesses paying 44% of U.S. private payroll and employing 50% of all private sector employees, it goes without saying that they are an important part of the U.S. economy. Unfortunately, while these ventures play an important role in ...

    OppLoans Review

    November 2, 2019 - Reviews
    OppLoans is a short-term lender that offers installment loans and lines of credit in as little as a few business days. Keep reading to learn how OppLoans works and whether it's worth it.

    How to Start A Sports Blog

    October 14, 2019 - Tips
    Take your love of sports to the next level with your own sports blog. Our guide has everything you'll need to get started, from picking a name to setting up hosting to writing content.

    How to Start a Travel Blog

    October 11, 2019 - Tips
    Travel blogging may look like the perfect job, but it takes a lot more work than you think. From naming your blog to writing your first post, our guide covers every step.


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