Small business credit cards can be your ally if you are a small business owner. Not only can you get a line of credit to meet your business expenses, you can also earn cash back or rewards points on your spending. This season, we've noticed quite a few cards offering 0% introductory APR on purchases, which lets you make purchases with your card without having to pay any interest during the first few months, plus many come with no annual fee, including employee cards. Below is GET.com's list of the best business credit cards in the US.

Best Credit Cards for Small Businesses - GET.com's Picks

Best ForCredit Card
Cash BackSimplyCash® Plus Business Credit Card
RewardsThe Blue for Business® Credit Card
Travel RewardsCapital One® Spark® Miles for Business
Starwood Preferred GuestStarwood Preferred Guest® Business Credit Card from American Express
TravelGold Delta SkyMiles® Business Credit Card

Here are the best small business credit cards for established and new small businesses based on GET.com's research:

Our Best Cash Back Cards For Small Businesses

SimplyCash<sup>®</sup> Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • Our Rating:
  • Our Rating:
  • 4.60/5
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APPLY NOWAt American Express' secure website

INTRO APR

0% on Purchases for 9 months

REGULAR APR

12.49% - 19.49% Variable

ANNUAL FEE

$0

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Welcome Offer: Earn a one-time $250 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership
  • No Annual Fee. Plus, more buying power and more cash back
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement
  • Terms and limitations apply
  • See Rates & Fees
SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser, has a welcome offer that lets you earn a one-time $250 statement credit after spending $5,000 or more on qualifying purchases with your Card within the first 6 months of Card Membership. Earn 5% cash back on purchases made at U.S. office supply stores and on wireless telephone services that you purchase directly from U.S. service providers. Earn 3% cash back on the category that you choose from a list of 8 select categories. These 5% and 3% categories are capped at $50,000 spent per calendar year on purchases (earn 1% cash back after the cap). Earn 1% cash back on your other purchases. Benefit from 0% intro APR on purchases for 9 months, after that there is a 12.49% - 19.49% variable APR based on your creditworthiness. This card has no annual membership fee. Terms & limitations apply.

Read our review of SimplyCash® Plus Business Credit Card from American Express here.

  • Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.

    Why we like it
    • Earn $300 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.
    • Employee cards at no additional cost.
    • No Annual Fee.
    APPLY NOWAt Chase's secure website

    Intro APR

    0% introductory APR for 12 months on purchases and balance transfers

    Regular APR

    13.49% - 19.49% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Introductory APR offer.
    • Earn $300 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening.
    What we would avoid
    • Larger cash back opportunities are limited to certain spending categories.

    Intro APR

    0% introductory APR for 12 months on purchases and balance transfers

    Regular APR

    13.49% - 19.49% Variable

    Annual Fee

    $0

    Credit Required

    Excellent
    Why we like it
    • Earn $300 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.
    • Employee cards at no additional cost.
    • No Annual Fee.
    APPLY NOWAt Chase's secure website
Ink Cash® Business Credit Card is the best business credit card for cash rebates. Each account anniversary year, for the first $25,000 you spend on office supplies, telecom services and cable services, you will earn 5% cash back. For the first $25,000 you spend on dining and gas, you'll earn 2% cash back each card account anniversary year. On all other purchases made with this card, you earn unlimited 1% cash back. Enjoy 0% intro APR for 12 months on purchases and balance transfers (13.49% - 19.49% variable APR thereafter). Earn $300 bonus cash back after spending $3,000 during the first 3 months from account opening. $0 annual fee. Here's our Ink Cash® Business Credit Card review. Overall, Ink Cash Business will benefit you the most if you spend a lot on office supplies and telecom/cable services.

Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Our Rating:
  • Our Rating:
  • 4.60/5
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WHY WE LIKE IT

  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval.

REGULAR APR

17.24% (Variable)

ANNUAL FEE

$0 intro for first year; $59 after that

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • 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 of approval
  • 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 don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Capital One® Spark® Cash for Business is a business credit card that rewards you with a one-time $500 cash bonus when you make $4,500 of purchases within 3 months of approval. For every purchase you make, you'll receive 2% cash back. The cash back you earn doesn't expire, and you can earn unlimited cash back. $0 intro annual fee for the first year, $59 after that. Read our review of Capital One® Spark® Cash for Business here.

Bank of America<sup>®</sup> Cash Rewards for Business MasterCard<sup>®</sup> credit card

Bank of America® Cash Rewards for Business MasterCard® credit card

  • Our Rating:
  • Our Rating:
  • 4.50/5
Rate This Card
APPLY NOWAt Bank of America's secure website

INTRO APR

0% Introductory APR for the first 9 billing cycles

REGULAR APR

11.49% - 21.49% Variable APR on balance transfers

ANNUAL FEE

No annual fee

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account
  • See Terms.
Bank of America® Cash Rewards for Business MasterCard® credit card gives you 3% cash back for purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on your other purchases (Up to $250,000 in combined gas station and office supply store purchases annually; then a 1% earn rate after that). You can earn a $200 statement credit, after making $500 in purchases using your new card within 60 days of account opening. You can redeem your cash rewards for cash back, or even apply them to a Bank of America® savings or checking account. Enjoy 0% intro APR for the first 9 billing cycles with 11.49% - 21.49% variable APR on balance transfers thereafter. This business cash back card has no annual fee. See Terms.

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Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Our Rating:
  • Our Rating:
  • 4.30/5
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INTRO APR

0% on purchases for 9 months

REGULAR APR

13.24% - 21.24% (Variable)

ANNUAL FEE

$0

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Capital One® Spark® Cash Select for Business is a business cash back credit card that offers a one-time $200 bonus if you spend $3,000 on purchases within 3 months of approval. This card also lets you earn 1.5% cash back on all your purchases! Your cash back doesn't expire and there is no limit on the cash rewards you can earn. Redeem your cash back anytime. There is a 0% intro APR on purchases for 9 months (13.24% - 21.24% variable APR thereafter). All additional employee credit cards have no annual fee. No annual fee. Read our review of Capital One® Spark® Cash Select for Business here.

The Business Platinum Card<sup>®</sup> from American Express OPEN

The Business Platinum Card® from American Express OPEN

  • Our Rating:
  • Our Rating:
  • 4.40/5
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APPLY NOWAt American Express' secure website

ANNUAL FEE

$450

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Welcome Offer: Get 40,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
  • The Business Platinum Card's premium benefits include world-class platinum service, travel benefits, rewards that can help reduce expenses and access to one-of-a-kind events.
  • Membership Rewards® Program: Get one point for each dollar of eligible purchases. There is no limit to the number of points you can get.
  • 30% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 30% of the points back.
  • Airport Lounge Access Program: Elevate your business travel experience with complimentary access to over 700 airport lounges worldwide.
  • Complimentary internet access: Enroll your Card with Gogo and Boingo and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.
  • Terms & Restrictions Apply
  • See Rates & Fees
The Business Platinum Card® from American Express OPEN is a charge card that has a welcome offer that lets users earn 40,000 Membership Rewards® points after spending $5,000 on purchases with this Card within the first 3 months of Card Membership. This premium card offers complimentary access to more than 700 airport lounges all around the world and gives users access to over 40 benefits. Earn 1 point per dollar spent on eligible purchases and points do not expire. Receive a 30% Airline Bonus when you pay for some or all of a flight with your selected qualifying airline through American Express Travel. Another interesting perk is complimentary, unlimited Boingo Wi-Fi at over 1,000,000 Boingo hotspots around the globe, plus 10 Gogo inflight internet passes annually when you enroll your card with Gogo. $450 annual fee. Terms & Restrictions Apply. Here is our detailed review of The Business Platinum Card® from American Express OPEN.

The Business Gold Rewards Card from American Express OPEN

The Business Gold Rewards Card from American Express OPEN

  • Our Rating:
  • Our Rating:
  • 4.30/5
Rate This Card
APPLY NOWAt American Express' secure website

WHY WE LIKE IT

  • Earn Membership Rewards® points for eligible purchases.
  • No annual fee for the first year.
  • Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.

WHAT WE WOULD AVOID

  • Annual fee after the first year.

ANNUAL FEE

$0 introductory annual fee for the first year, then $175

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees.
The Business Gold Rewards Card from American Express OPEN is a charge card that lets you earn 50,000 Membership Rewards® points after spending $5,000 in purchases on your Card within the first 3 months of Card Membership. Earn 3 points on one category of your choosing (of 5 to choose from) and 2 points on the remaining 4 categories. Each of these categories is capped at $100,000 per year. Earn 1 point on other eligible purchases. There is a $0 introductory annual fee for the first year, then $175. No foreign transaction fees. Terms & limitations apply. Read our detailed review of The Business Gold Rewards Card from American Express OPEN here.

Our Best Rewards Cards For Businesses

The Blue for Business<sup>®</sup> Credit Card from American Express

The Blue for Business® Credit Card from American Express

  • Our Rating:
  • Our Rating:
  • 4.10/5
Rate This Card
APPLY NOWAt American Express' secure website

INTRO APR

0% on purchases for 9 months

REGULAR APR

11.49% - 19.49% Variable

ANNUAL FEE

No annual fee

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a 30% Membership Rewards points bonus each year - all with no annual Membership fee
  • Earn 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
  • No annual fee for each additional Employee Blue for Business® Credit Card
  • Get a low introductory APR on purchases for 9 months
  • Points you can reinvest in your business: choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • Terms & Conditions Apply
  • See Rates & Fees
The Blue for Business® Credit Card from American Express is a rewards credit card that lets you get 10,000 Membership Rewards® points after making your first purchase on the Card within the first 3 months of Card Membership. These points are valued at up to $100 in gift cards at select merchants. Plus, get 30% more points on purchases with an annual points bonus. Earn 1 point per $1 spent on eligible purchases. Earn an additional point per $1 spent on eligible purchases when booking your travel with American Express Travel. This card has a 0.0% introductory APR for 9 months on purchases, 11.49% - 19.49% variable APR on purchases thereafter. $0 annual fee and no annual fee for each additional Employee Blue for Business® Credit Card. Terms and Restrictions Apply. Here is our review of The Blue for Business® Credit Card from American Express.

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard<sup>®</sup>

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

  • Our Rating:
  • Our Rating:
  • 4.30/5
Rate This Card
APPLY NOWAt U.S. Bank's secure website

WHY WE LIKE IT

  • Plus, a 25% Annual Cash Rewards bonus, up to $250.

INTRO APR

0% on purchases for 9 billing cycles*

REGULAR APR

12.24% - 18.24%* (Variable)

ANNUAL FEE

No annual fee*

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® lets you earn a new cardmember bonus of $150 after spending $500 in net purchases within the first 90 days of account opening. Earn 3% cash back on gas purchases, cellular services, and office supply store net purchases. Earn 1% cash back on your other purchases. Earn unlimited rewards that don't expire. Each account anniversary year you will get a 25% Annual Rewards bonus (up to $250) - equal to 25% of the cash back you earned that year. Benefit from 0% introductory APR on qualifying purchases for the first 9 billing cycles with a 12.24% - 18.24% variable APR after the promotional period. No annual fee. Here is our review of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®.

Our Best Travel Cards For Small Businesses

Bank of America<sup>®</sup> WorldPoints<sup>®</sup> Travel Rewards for Business Visa<sup>®</sup> credit card

Bank of America® WorldPoints® Travel Rewards for Business Visa® credit card

  • Our Rating:
  • Our Rating:
  • 4.55/5
Rate This Card
APPLY NOWAt Bank of America's secure website

WHY WE LIKE IT

  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no international transaction fee, no annual fee, and no limit to the points you can earn.

INTRO APR

0% introductory APR for the first 9 billing cycles

REGULAR APR

11.49% - 21.49% Variable APR on balance transfers

ANNUAL FEE

No annual fee

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening – with no international transaction fee, no annual fee, and no limit to the points you can earn
  • Earn 1.5 WorldPoints rewards points for every $1 on all purchases and 5,000 bonus points after the first purchase on your account
  • Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center
  • Redeem points for gift cards, cash, and travel with no blackout dates
  • Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage.
  • See Terms.
Bank of America® WorldPoints® Travel Rewards for Business Visa® credit card lets you earn 1.5 WorldPoints rewards points for each $1 you spend on all purchases. You earn 3 points for every $1 that you spend on travel booked through Bank of America's Travel Center. Earn 5,000 bonus points after the first purchase on your account and earn a $200 statement credit after you make $500 of purchases within 60 days of account opening. This card has a 0% intro APR for the first 9 billing cycles followed by 11.49% - 21.49% variable APR on balance transfers, and also has no annual fee. Travel benefits include travel accident insurance, lost luggage reimbursement and auto rental collision coverage. See Terms. Here is our review of Bank of America® WorldPoints® Travel Rewards for Business Visa® credit card.

View Details

Gold Delta SkyMiles<sup>®</sup>  Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

  • Our Rating:
  • Our Rating:
  • 4.50/5
Rate This Card
APPLY NOWAt American Express' secure website

REGULAR APR

15.49% - 19.49% Variable

ANNUAL FEE

$0 introductory annual fee for the first year, then $95

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Limited Time Offer: Earn 50,000 bonus miles after you make $2,000 in purchases on your new Card within 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.
  • To be eligible for this offer, your application must be received by 11/09/2016.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • No Foreign Transaction Fees
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Gold Delta SkyMiles® Business Credit Card from American Express lets you earn 50,000 bonus miles as a limited time special offer after spending $2,000 in purchases with your new Card within the first 3 months of Card Membership. You can also earn a $50 statement credit after making a Delta purchase with your new Card within this same 3-month period (To be eligible for this offer, your application must be received by November 9th 2016). Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. Benefit from other travel perks including complimentary first checked bag on flights, priority boarding and 20% in-flight savings (in the form of statement credit) on your eligible purchases. This card has no foreign transaction fees which can help you save when traveling abroad. The annual fee will be $0 for your first year of Card Membership, then $95. Terms and limitations apply.

Read our Gold Delta SkyMiles® Business Credit Card from American Express review here.

Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

  • Our Rating:
  • Our Rating:
  • 4.00/5
Rate This Card
APPLY NOWAt American Express' secure website

WHY WE LIKE IT

  • Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries.

WHAT WE WOULD AVOID

  • No introductory low APR available.

REGULAR APR

15.49% - 19.49% Variable

ANNUAL FEE

$0 introductory annual fee for the first year, then $95

CREDIT REQUIRED

Excellent

CARD DETAILS

  • For the first time, earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Note: A select few resorts require additional fees. Offer ends 10/19/2016.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries.
  • Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges.
  • No Foreign Transaction Fees on international purchases.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and conditions apply
  • See Rates & Fees
Starwood Preferred Guest® Business Credit Card from American Express has a limited time bonus offer (expires 10/19/2016) that lets you earn 2 free nights at participating SPG® Category 1-5 hotels & resorts worldwide (a select few resorts require additional fees) after spending $5,000 on purchases in your first 3 months! Earn 2 Starpoints® for each $1 spent on eligible purchases that are charged directly to hotels and resorts that are participating in the SPG® program (in addition to the 2 or 3 points you may be eligible for as an SPG member). Earn 1 Starpoint® for each $1 spent on all other eligible purchases. Enjoy a $0 introductory annual fee for the first year, then $95. Terms and limitations apply. Read our review of Starwood Preferred Guest® Business Credit Card from American Express here.

Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Our Rating:
  • Our Rating:
  • 4.50/5
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WHY WE LIKE IT

  • Earn 2 miles per $1 on every purchase, every day.

REGULAR APR

17.24% (Variable)

ANNUAL FEE

$0 intro for first year; $59 after that

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • 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 of approval
  • Miles don't expire, 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 and miles don't expire
  • 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
Capital One® Spark® Miles for Business rewards you with a one-time bonus of 50,000 miles when you spend $4,500 on purchases within 3 months of approval. With this card, you will also earn 2 miles for every dollar you spend on all your purchases. Earn unlimited miles that don't expire. Miles can be redeemed for travel purchases as well as cash back, gift cards, merchandise and more. Miles can be redeemed for flights on any airline, with no blackout dates. No foreign transaction fee. This card has a standard 17.24% variable APR for purchases and balance transfers. It has a $0 intro annual fee for the first year, $59 after that. Read our review of Capital One® Spark® Miles for Business here.

Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

  • Our Rating:
  • Our Rating:
  • 4.20/5
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WHY WE LIKE IT

  • Earn 1.5 miles per $1 on every purchase, every day.

INTRO APR

0% on purchases for 9 months

REGULAR APR

13.24% - 21.24% (Variable)

ANNUAL FEE

$0

CREDIT REQUIRED

Good, Excellent

CARD DETAILS

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Capital One® Spark® Miles Select for Business rewards you with 1.5 miles for every dollar you spend on purchases with your card, as well as a one-time bonus of 20,000 miles when you spend $3,000 on purchases within 3 months of approval. With this card, you will also enjoy 0% intro APR on purchases for 9 months, after that there is a standard 13.24% - 21.24% variable APR. The miles you earn can be redeemed for air travel, cash, gift cards, merchandise, and more. Every year you'll receive an itemized report on your spending at no additional cost. No annual fee. Read our review of Capital One® Spark® Miles Select for Business here.

CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World MasterCard<sup>®</sup>

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

  • Our Rating:
  • Our Rating:
  • 4.30/5
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APPLY NOWAt Citi's secure website

WHY WE LIKE IT

  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*.

REGULAR APR

15.49%* (Variable)

ANNUAL FEE

$95, waived for first 12 months

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines flights for you and up to four companions traveling with you on the same reservation*
  • Enjoy Group 1 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 2.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® is especially designed for businesses with an established credit history. You earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of opening your account. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. You will also earn 2 AAdvantage® miles per $1 spent on purchases at select car rental, telecommunications and at gas stations. Earn 1 AAdvantage® mile per $1 spent on your other purchases. Travel perks include Group 1 Boarding on American Airlines flights, first checked bag for free on domestic American Airlines flights for you and up to 4 traveling companions whose tickets have been purchased with this card and are on the same reservation. Save 25% on in-flight food and beverage purchases when using this card on American Airlines flights. The $95 annual fee is waived for the first 12 months. Read our review of CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® here.

Business Green Rewards Card from American Express OPEN

Business Green Rewards Card from American Express OPEN

  • Our Rating:
  • Our Rating:
  • 3.50/5
Rate This Card
APPLY NOWAt American Express' secure website

ANNUAL FEE

$0 introductory annual fee for the first year, then $95

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Get 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Use points toward gift cards, merchandise, entertainment, and more with over 500 merchants
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
Business Green Rewards Card from American Express OPEN is a business charge card that lets you earn 5,000 Membership Rewards® points after your first purchase with this Card. When you book on the American Express Travel website you can earn double Membership Rewards® points for each dollar of eligible purchases. You will earn 1 Membership Rewards® point for every dollar you spend on other eligible purchases. You can redeem your points toward merchandise, gift cards, entertainment, and more. There is a $0 introductory annual fee for the first year, then $95. Terms and limitations apply. Read our review of Business Green Rewards Card from American Express OPEN.

The Plum Card<sup>®</sup> from American Express OPEN

The Plum Card® from American Express OPEN

  • Our Rating:
  • Our Rating:
  • 3.50/5
Rate This Card
APPLY NOWAt American Express' secure website

WHY WE LIKE IT

  • No Foreign Transaction Fees.
  • 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.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.

WHAT WE WOULD AVOID

  • Annual fee after the first year.

ANNUAL FEE

Introductory annual fee of $0 for the first year, then $250

CREDIT REQUIRED

Excellent

CARD DETAILS

  • 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.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees
The Plum Card® from American Express OPEN is a charge card that gives you flexibility when making your monthly payments. With this card you can enjoy up to 60 days to make your payments without interest, or you can get a 1.5% discount for paying early - or both each month. No foreign transaction fees. Introductory annual fee of $0 for the first year, then $250. No annual fee for employee cards. Terms and restrictions apply.

Read our review of The Plum Card® from American Express OPEN.

U.S. Bank FlexPerks<sup>®</sup> Business Edge™ Travel Rewards Card

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

  • Our Rating:
  • Our Rating:
  • 4.10/5
Rate This Card
APPLY NOWAt U.S. Bank's secure website

WHY WE LIKE IT

  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months of account opening.

WHAT WE WOULD AVOID

  • Must spend thousands in order to avoid annual fee.

REGULAR APR

12.24% - 18.24%* (Variable)

ANNUAL FEE

$0* intro for the first year, then $55*

CREDIT REQUIRED

Excellent

CARD DETAILS

  • Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months of account opening
  • 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 on qualifying 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
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card lets you earn 20,000 bonus FlexPoints after spending $3,500 in net purchases in the first 4 months of card membership. Earn 3 FlexPoints per $1 on qualifying charity donations, 2 FlexPoints per $1 on the category you spend the most on (office supplies, gas or airline purchases) as well as on most cell phone purchases per billing cycle. Earn 1 FlexPoint per $1 spent on eligible net purchases. Benefit from an airline allowance of up to $25 with each award travel ticket. This allowance can be used toward in-flight food and beverage purchases or baggage fees. There is a $0 annual fee for the first year, then $55 annual fee after that (unless you spend over $24,000 each year in net purchases). Find out more in our review of U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card.

Business Credit Card Tips

If you own a small business, we recommend that you carry more than one business credit card so as to maximize the potential of each one for the overall benefit of the business. For example, you can consider having one card with 0% APR offer or a low interest rate for carrying balances, and a second card for expenditures that you will repay fully at the end of each month.

This strategy allows you to make full use of the cash back or rewards features of your small business credit card, and you can earn up to 5% cash rebates on business-related spending, such as office supplies or gas.

Over the long-term, business credit cards can help your small business build a credit history with business credit bureaus so that your business will have a credit history of its own, instead of being linked to your personal credit history.

Business Credit Card Benefits

A business credit card is a card that you use for your business rather than your personal finances. If you use a business credit card for all your business spending, you will benefit from accurate accounts of business spending in the form of card statements. That makes it much easier to keep your accounts.

Today business credit cards and charge cards offer most of the same benefits that you get with your personal credit cards. Plus, many business cards also offer special tools and services that can save your business time and money.

For example, some business cards provide employee cards at no additional cost. Some also provide custom, itemized reports of your spending (a big plus at tax time), and let you securely download your purchase records into multiple formats (like Quicken, QuickBooks and Excel), which makes accounting a whole lot easier.

Types of Business Credit Cards

Business Cash Back Credit Cards

Using a business credit card that lets you earn cash back on purchases is a fuss-free way to save on business expenses. When you make a purchase using a card like this, you earn cash back (normally a certain percentage of each purchase).

Depending on which card you use, you can redeem your cash back as cash checks, statement credits, deposits into a bank account, or even for gift cards, merchandise or travel.

Rewarding examples of cash back credit cards for businesses include
Ink Cash® Business Credit Card, and
SimplyCash® Plus Business Credit Card from American Express.

Business Rewards Credit Cards

Earning points that you can redeem through a rewards program could be a good fit for your business, if a particular rewards program includes offers that can help you save on business expenses.

Most good rewards programs offer a lot of flexibility in the way you can earn and redeem points. In some cases the merchandise or services that you can redeem points for may offer better value than what you would get if you paid for those things in cash.

Business rewards cards like Ink Cash® Business Credit Card (uses the Chase Ultimate Rewards® program) and The Business Gold Rewards Card from American Express OPEN comes with extensive rewards programs that can help you get better value for the rewards you earn.

Business Airline Miles Credit Cards

If you or your employees travel a lot on business, then a miles credit card could save you money. You earn miles or similar travel rewards when you make purchases, and you can then redeem these miles towards travel.

Some miles cards like Gold Delta SkyMiles® Business Credit Card from American Express and CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® let you earn actual frequent flyer miles that you can redeem directly through your frequent flyer program.

Other miles cards like Capital One® Spark® Miles Select for Business give you miles that translate into a certain amount of cash value that can be redeemed towards travel purchases.

Hotel Credit Cards For Businesses

These cards can be a real saver if you take a lot of business trips and stay at hotels. Many large hotel groups have their own hotel credit cards for businesses. These let you earn rewards on purchases which you can then redeem for hotel accommodation.

Starwood Preferred Guest® Business Credit Card from American Express is an example of a business credit card that lets you earn hotel rewards. Cards like this usually give you special privileges when you stay at their hotels.

How we rate business credit cards and charge cards

At GET.com, we conduct rigorous research into the terms and conditions behind each card benefit. With our business credit card/charge card ratings, we strive to present an accurate gauge of a card's benefits in relation to its fees. We also take into account the overall flexibility of card benefits and their appeal to a broad range of card users. For example, a hotel or airline card may provide excellent benefits for customers of a certain hotel group or airline, but may not have many benefits for non-customers.

Charges that we take into account are the annual fee, foreign transaction fees, cash advance fees, late payment fees and over-limit fees, purchase and balance transfer APR, penalty APR and ATM charges. The scope of the payments network and the issuer's ATM network is also taken into account. Benefits we look for include bonus offers, how rewards are earned and redeemed, introductory APR periods, travel privileges, accounting tools, mobile business apps, employee cards, insurance coverage and unique benefits.