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Find the Best Small Business Credit Card
If you are in business for yourself, having a small business credit card is a must. You can use it to purchase supplies, book reservations, and pay for other business-related expenses. Business credit cards also allow you to keep accurate records of all your expenditures for easy bookkeeping. A business credit card's monthly statement offers you an itemized view of all your business purchases.
Business credit cards also allow you to keep your personal credit history separate from the credit of your business. While you personally are still liable for bills that your company incurs while using the card, it is still a separate entity from your personal credit.
One of the most unique features of the best business credit cards is the ability to allow your employees to use it. Most companies allow you to have more than one person authorized to use the business card, or will even issue extra cards in the name of different employees. This makes it very easy to keep track of each employees work related expenses.
Online Applications for Business Cards
These online credit card applications keep your personal data safe by utilizing SSL technology.
Recommended Business Credit Card
The Blue for Business® from American Express is one of the most popular Business cards available. Your Credit Advisor recommends it as our favorite in this category.
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- 0% introductory APR on Purchases for the First 15 Months
- No Annual Fee with the Flexibility to Pay in Full or Carry a Balance
- No Annual Fee for Additional Cards
- Option to Enroll in the Complimentary Membership Rewards Express® Program, with Flexible Rewards for You or Your Business
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Built-In ExpressPay Technology that Lets You Make Small Purchases Fast without Swiping Your Card
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 15 Months |
As low as Prime + 2.99% Variable |
None |
$0 |
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- 0% APR on Purchases and Balance Transfers for 12 Months
- No Annual Fee
- Business-Size Credit Line
- Free Additional Cards for Employees with Credit Limits You Set
- Savings on Everyday Business Purchases
- Quarterly and Annual Account Summaries
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
7.99% Variable |
Very Good |
$0 |
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- 0% APR on Purchases for the First 12 Billing Cycles After Account is Opened
- No Annual Fee
- Separate Business Expenses for Company Travel, Entertainment, Supplies or Other Necessary Purchases
- Online Access to View Transactions, Pay Your Bill, View Up to 48 Prior Statements for Both Individual Cardholders and for Companies With Multiple Cardholders
- Purchases Automatically Protected From Theft or Damage Within the First 90 Days
- Receive Easy-To-Read Management Reports, Itemizing Your Employees' Business Expenditures
- Get Records of Tax-Deductible Expenses
- Receive Up to 60% Off Regular Rates at More Than 11,000 Hotels, Motels and Resorts in 146 Countries and Territories
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
APR Varies* Variable |
None |
$0 |
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- Introductory 0% APR on Purchases for the First Six Billing Cycles After Your Account is Opened
- Earn 3 Points With Every Dollar You Spend on Gas, Restaurants, Office Supply and Home Improvement Stores. Plus 1 Point on All Other Purchases
- No Annual Fee
- Receive Easy-to-Read Management Reports, Itemizing Your Employees' Business Expenditures, and Records of Tax-Deductible Expenses
- Apply online now at the card issuer's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Billing Cycles |
APR Varies* Variable |
None |
$0 |
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- 0% APR for 15 Months on Balance Transfers, 7.99% APR Thereafter
- 7.99% Variable APR (Based on Prime) on Purchases
- Up to 5% Cash Back on Office Supplies, Gas and More
- No Annual Fee and No Limit on Earnings
- Get Employee Cards with No Fee and Set Monthly Spending Limits Per User
- $0 Fraud Liability
- Personalized Card -- Your Company Name on the Card, Plus Your Logo
- See Terms & Conditions for Important Information, Benefits and Limitations
- Read our review or apply online now at Advanta's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 15 Months |
7.99% Variable |
Very Good |
$0 |
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- 0% Intro APR on Balance Transfers and Purchases for 12 Months
- [Actual Offered Rate] Variable APR thereafter
- Up To $50,000 Credit Line
- No Annual Fee
- Get Employee Cards with No Fee and Set Spending Limits Per User
- $0 Fraud Liability
- Personalized Card - Your Company Name on the Card, Plus Your Logo
- See Terms & Conditions For More Information
- Read our review or apply online now at Advanta's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
11.99% Variable |
Very Good |
$0 |
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- Up To 5% Cash Back on Virtually all Purchases
- No Limit on the Cash Back You Can Earn
- No Annual Fee
- 0% Intro APR for First 6 Months
- Option to Pay over Time or Pay in Full
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- Earn Cash Rewards on Purchases Made by Additional Cardholders
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as Prime + 2.99% Variable |
None |
$0 |
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- Option to Enroll in the Membership Rewards Express® Program Fee-Free
- There's No Limit to the Number of Points You Can Earn
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- 0% APR for the First 12 Months
- No Annual Fee
- No Annual Fee for Additional Cards
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
As low as Prime + 2.99% Variable |
Very Good |
$0 |
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- Get 15,000 SkyMiles® with First Purchase
- Earn up to 30,000 Bonus Miles in Your First Year
- Save 5% on All Delta Flights with Your Card
- One Delta Mile for Virtually Every Dollar You Spend
- No Annual Fee for the First Year - A Savings of $95
- No Annual Fee for Additional Cards
- Save 3-25% on Business Purchases at Companies like FedEx®, Hertz®, and More
- Now You Can Redeem Your Miles for Any Delta Seat, Any Time at Delta.com. Pay with Miles is an Exclusive New Benefit for Gold Delta SkyMiles® Business Credit Cardmembers that Goes Above and Beyond to Help Ensure that Your Miles Work the Way You Want Them To
- Read our review or apply online now at American Express's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
Prime + 9.99% Variable |
Good |
$95 |
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- 0% APR on Purchases for 12 Months
- 10,000 ThankYou® Points After $250 in Purchases, Redeemable for a $100 Gift Card
- 3 ThankYou Points for Each Dollar Spent on Eligible Purchases at Certain Office Supply Merchants and on Professional Services
- 1 ThankYou Point for Every Dollar You Spend on Other Purchases
- No Annual Fee
- Additional Cards for Employees With Credit Limits You Set
- Read our review or apply online now at Citibank's Web site.
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| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 12 Months |
9.99% Variable |
Very Good |
$0 |
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