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What is the Best Credit Card to Build Credit for Small Business?

Published By Janet Gershen-Siegel at February 5th, 2019

Itching for the Very Best Credit Card to Build Credit for Small Business?

We looked at a lot of corporate credit cards. We did the research for you. So here are our favorites.

Per the SBA, small business credit card limits are a whopping 10 – 100 times that of personal cards!

This shows you can get a lot more cash with corporate credit. And it also means you can have personal credit cards at shops. So you would now have an additional card at the same shops for your small business.

And you won’t have to have collateral, cash flow, or financial information to get corporate credit.

The Best Credit Card to Build Credit for Small Business: Credit card Advantages

Features vary, so be sure to select the perk you prefer from this selection of alternatives.

The Best Credit Card to Build Credit for Small Business: Credit Builder Company Credit Cards – Make Your Credit Surge!

Best Credit Card to Build Credit for Small BusinessCheck out the Wells Fargo Business Secured Credit Card. It allows cardholders to get a credit limit of $500 – $25,000. The amount offered equates to the amount of funding you provide to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the annual fee is $25. But the more cards you have, the higher your yearly fee is going to be.

This card lets company owners with bad personal credit to get a card to make purchases and build business credit.

But the card will just report to the personal credit agencies if you default or are behind on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

The Best Credit Card to Build Credit for Small Business: Corporate Credit Cards with 0% APR – Pay Zero!

For a 0% APR period, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no yearly fee. It’s got an interest-free time period. It has versatile cash-back rewards. There are spending limits for employees. But you will have to have a credit score of 690 or higher.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR time period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn double points on typical business expenses up to a yearly limit. But the standard APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

The Best Credit Card to Build Credit for Small Business: Reliable Low APR/Balance Transfers Business Credit Cards

For Low APR/Balance Transfers Business Credit Cards, we like the U.S. Bank Business Edge Platinum. So you start with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer cost.

Thereafter, the purchase APR is a variable 10.49% – 18.49%. And this depends on creditworthiness. There is no yearly fee. But this card is just on offer to people with great or exceptional credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus from American Express

Also, investigate the Blue Business Plus Credit Card from American Express. It has a 15-month introductory 0% APR offer. There is no annual fee.

Right now small businesses can earn double points. But this is on the first $50,000 in purchases annually.

Get it here: https://creditcard.americanexpress.com/blue/

The Best Credit Card to Build Credit for Small Business: Secure Small Business Credit Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will need a credit score of 690 or higher.

But BEAR IN MIND: the standard APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Best Credit Card to Build Credit for Small Business Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

The Best Credit Card to Build Credit for Small Business: Business Credit Cards for Luxurious Travel Points

For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is during your very first three months. Terms and limitations apply.

In addition earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made directly with Delta. Also, earn one mile per qualified dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also receive Gold Status when you sign up for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point for every dollar spent on the majority of purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on qualified purchases. But this is up to one million more points each year. Get five points per dollar. But this is for purchasing flights and prepaid hotels from the American Express Travel website.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, be sure to have a look at the Ink Business Preferred Card from Chase. Earn 80,000 bonus points. But this is after you spend $5,000 on purchases. And it is within the initial 3 months from account opening.

Get three points for each dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, earn one point for each dollar on all other purchases. There is no limitation to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

Best Credit Card to Build Credit for Small Business Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

The Best Credit Card to Build Credit for Small Business: Terrific Cards for Cash Back

Check out the SimplyCash Plus Business Credit Card from American Express. So you can earn up to $400 cash back. Earn a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to the first $50,000 of annual spending.

You also get 3% cash back on the spending category of your choice. So this is from eight distinct categories. They include air travel, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending.

Additionally you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard

Also, take a look at the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can earn a $200 statement credit. But this is after $500 in purchases . And that is within 60 days of account opening.

You also get 3% cash back on purchases at gas stations and office supply stores. But this is up to $250,000 annually.

Also, you get 2% cash back on purchases at eateries. And get 1% cash back on all purchases. Also, there is no annual fee. But it is available to applicants with excellent credit.

But you can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Spark Cash Select From Capital One

Furthermore, have a look at the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is without limitations.

New cardholders can also get a $200 cash bonus. But that is as soon as they spend $3,000 on new purchases. So this is during the first three months of account opening.

New customers also get introductory APR of 0% on purchases. But that is for nine months. Also, there is no yearly fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Best Credit Card to Build Credit for Small Business Credit Suite

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The Best Credit Card to Build Credit for Small Business: Unbeatable Cards for Jackpot Rewards

Take a look at the Business Gold Rewards Card from American Express OPEN. So you can earn 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card during first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the other categories.

Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year. But then afterwards your annual fee rises to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Platinum Card from American Express OPEN

Also, have a look at the Business Platinum ® Card from American Express OPEN. So you can get up to 75,000 Membership Rewards points at the time of account opening.

Also earn 50,000 Membership Rewards points. But this is after spending $10,000.

In addition, get 25,000 more points. But that is after spending an added $10,000 all on qualified purchases. But this is within the first three months.

Also you can get five times the Membership Rewards points. So this is on flights and pre-paid hotels on amextravel.com. But it has a $450 annual fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Your Best Credit Card to Build Credit for Small Business

Your optimal small business credit cards are dependent upon your credit history and scores.

Only you can make a decision on which advantages you want and need. So be sure to do your research. What is excellent for you could be disastrous for someone else.

And, as always, make sure to build credit in the established order for the best, fastest benefits. Check out how this will help your company get the best credit card to build credit for small business.

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