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Business Credit Cards

Access to credit can be difficult to come by and expensive for small businesses. Small business credit cards can be flexible, invaluable tools for business owners facing short-term cash crunches. Interest rates can be lower than they are for other convenient sources of credit, such as advances against accounts receivable or credit card receipts and unsecured loans available from small business lenders on the Internet. Thanks to credit card incentive and rewards programs, it may make sense for business owners to route as much of their normal expenses as possible through their business credit card. The rewards offered by business credit cards are becoming increasingly generous as more lenders advertise extra large sign-up bonuses and plump rewards on everyday expenses. Picking the right business credit card can save you thousands of dollars each year on interest, help you book

Business Credit Cards List

BP Business Solutions MasterCard®

  • Accepted at over 175,000 locations nationwide with competitive rebates when purchasing fuel at thousands of BP locations nationwide
  • Save up to 6 cents per gallon on fuel purchases at BP locations

Chevron and Texaco Universal Business MasterCard®

  • Earn rebates up to 6 cents per gallon based on monthly fuel purchases at Chevron and Texaco locations
  • Accepted at over 175,000 fueling locations with maximum rebate earnings when your drivers choose Chevron and Texaco

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

Starwood Preferred Guest® Business Credit Card from American Express

  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.

Capital One Spark Cash for Business Card

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Capital One Spark Miles for Business Card

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Airline Credit Cards

Citi® / AAdvantage® Gold World Elite™ Mastercard®

  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.99% - 24.99% based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • No Foreign Transaction Fees on purchases
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Double AAdvantage® miles on eligible American Airlines purchases
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year

Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and guests with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases

AAdvantage® AviatorTM Red World Elite MasterCard®

  • First checked bag free for the primary cardmember and up to 4 companions on eligible bags when traveling on domestic itineraries operated by American Airlines
  • Earn 2X miles for every one dollar you spend on eligible American Airlines purchases
  • Group 1 boarding for the primary cardmember on domestic itineraries operated by American Airlines
  • Earn 1X miles on all other purchases
  • 10% of your redeemed miles back (10,000 maximum per calendar year)
  • No foreign transaction fees
  • 25% inflight savings on food, beverages, and headsets on American Airlines-operated flights
  • $95 annual fee

1. What is a Business credit card?

The business credit card is a type of credit card intended for business use rather than personal use and it is suitable for businesses of all sizes. Business credits card can provide a convenient way to increase their company’s purchasing power and easy access to manage business transactions.

2. What are the benefits of Business credit cards?

Apply and qualify easily

If you are still struggling to establish your credit, business credit cards can provide easier access to credit than other types of commercial funds. Some of the best small business credit cards online require only basic business and personal information and usually provide conditional approval within minutes.

Higher credit limits or 0% intro APRs while getting started

Business credit cards typically carry high credit limits, making it much easier to make major business purchases that you cannot make using your personal credit card or cash.

Earn rewards and sign-up bonus

You can earn cash back or rewards when you spend lot of money buying office supplies or other business needs. Some card issuers provide cardholders with discounts on certain business-related products and services directly.

Build business credit quickly

With business credit cards, not misusing them and making payments on time can help you increase your business credit rating quickly and take out a loan in the future easily.

Separate business credit.

Your personal credit rating is not reflected in your business credit card transactions. In addition, by having a separate credit card for a small business, you no longer have to sort out business and personal transactions when it is time to pay taxes.

Cards can be issued to employers and employees.

Multiple cards can be issued under the same account for different employees and business owners can determine how much credit individual employees can access and where to make purchases.

3. What do you need to apply a Business credit card?

Business cards are suitable for different kinds of businesses.

Business cards are not only suitable for companies. Even if you are performing a one-man show and you don't have an office, you can apply for a business card. Basically, if you do anything for profit, it can be considered a small business. In fact, you don't even have to earn income to apply for a business credit card. You only need to have reasonable intentions to make money and pay for business.

Personal and business credit score

The issuer will review your personal and business credit history when determining whether to approve your business credit card and what terms you are eligible for. While responsible past use of credit will maximize your chances, please ensure that the Personal Credit Bureau Experian, TransUnion and Equifax have accurate information, as well as commercial organizations such as Dun & Bradstreet and Small Business Financial Exchange. If your business license and insurance policy are up-to-date, proving that you are operating a legitimate business, the card issuer may also be in your favor.

How to fill out the application

The business’s legal name:

This is the name you use to conduct your business. This will be displayed on your card if you are approved. If you have a company or limited liability company, enter the name of the company you registered with the state government. If you are a freelancer or sole proprietor, please use your legal name.

Your tax identification number:

You need a tax identification number to process your application. Incorporated businesses and partnerships enter the federal employer identification number, which is a nine-digit number issued by the IRS for tax reporting purposes. If you're a self-employed, please enter your Social Security number on this line (unless you have an IRS-issued Employer Identification Number).

The business type or structure:

What the kind of business are you operating? If you're running a LLC, you can choose partnership or corporation, based on how it's set up. If you are a freelancer, you would usually put down sole proprietorship.

Your role in the business:

Make clear what you do in the business

Business address and phone number:

You need to fill in the contact information. If you work from home, just use your home address here.

How long you've been in business:

Enter the number of years you've been in business. If you're still in the early startup phase, just enter "0" in this box.

The number of employees:

If it's just you, enter "1" for yourself.

Annual business revenue:

You must let the credit card company in on how much revenue your business is bringing in each year. If your business is new and you haven't made any money, you can put "0."

Estimated monthly spend:

You can guess how much you will charge for business expenses, not personal to the card each month. Not all business card applications ask for this, but you should be ready with an answer if it comes up.

Personal details

Fill in your personal information as required, including your name, address, phone number and email, social security number, birthdate, mother's maiden name and household income.

4. How to use a Business credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Set a rewards saving goal and pay with credit whenever possible.

If you’re collecting points or miles for a big trip, avoid spending them on small purchases.

Find out when your 0% introductory APR period ends and when your rewards expire note them on your calendar.

Your issuer isn’t required to alert you beforehand when your APR will go up in this case, and most don’t.

Get an app to help you track your awards.

Plan and budget

Create a business plan before using the business credit card for financing and you need to make sure what you can afford.

Monitor and control employee spending

Use your business credit card only for business expenses

We don’t recommend you mix personal and business expense, because it’s difficult to separate out your business expenses when filling taxes.

Pay your bill in full on time

Many business credit cards offer high credit limits, but they often come with high interest rates. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

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Business Credit Cards Tips

  1. If you want to know your Business Credit Cards payment details, like your credit card balance. Please contact the Business Credit Cards customer service or get a Business Credit Cards application.
  2. In order to manage your Business Credit Cards payment online, you need to log in to the Business Credit Cards official website.
  3. About Business Credit Cards login and how to apply for a Business Credit Cards, you need to go to the official website.
  4. Getting a Business Credit Cards application will be a lot of convenience, contact the Business Credit Cards customer service or go to the Business Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Business Credit Cards phone numbers is correct, there will be text alerts.

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