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Research-Backed Business Credit Cards Comparison

Published By Janet Gershen-Siegel at July 8th, 2019

Our Business Credit Cards Comparison Effortlessly Puts You One Step Ahead

Did we say one step? How about several? Our business credit cards comparison will keep you from wasting time on inappropriate choices.

Per the SBA, corporate credit card limits are 10 – 100 times those of personal cards! This shows you can get a lot more money with business credit. And this also means you can have personal credit cards at stores. So you would now have a second card at the same shops for your small business.

And you will not have to have collateral, cash flow, or financial information to get company credit.

Business Credit Cards Comparison: Credit card Features

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

Business Credit Cards Comparison: Small Business Credit Cards with 0% APR

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

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

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Blue Business ℠ Plus Credit Card from American Express

For an introductory 0% APR period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for 15 Months.

You can earn twice the points on day-to-day company expenses. But that is up to an annual cap. But the normal APR is 12.24% – 20.24%. So the APR is variable.

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

Business Credit Cards Comparison: Small Business Credit Cards for Travel Points

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

In addition earn a $50 statement. But this is credit after you make a Delta purchase with your brand new card. And it is during your first three months.

Earn two miles per dollar spent on purchases made directly with Delta. And earn one mile on each eligible dollar spent on purchases.

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

Business Platinum Card 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. And you get a $200 annual air travel fee credit.

There is a $100 credit towards the Global Entry application fee. And this includes access to TSA PreCheck program. You get one point for every dollar spent on the majority of purchases. Also, you get 1.5 times the points.

But these are on charges of $5,000 or more on qualifying purchases. So this is up to one million added points yearly.

And you get five points per dollar spent buying flights and prepaid hotels. So these are from the American Express Travel web site.

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

Business Credit Cards Comparison Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Ink Business Preferred Card from Chase

Also, make sure to Check out 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 first three months from account opening.

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

And earn one point per 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

Business Credit Cards Comparison: Business Credit Cards for Fair Credit

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

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

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

Business Credit Cards Comparison Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Business Credit Cards Comparison: Low APR/Balance Transfers Business Credit Cards

For Low APR/Balance Transfers Business Credit Cards, we prefer the U.S. Bank Business Edge Platinum. You start off with twelve months of 0% APR financing on new purchases and balance transfers. But there is a 3% balance transfer fee.

Afterwards, the purchase APR is a variable 10.49% – 18.49%. So this is dependent on creditworthiness. And there is no annual fee.

Also, this card is solely available to those with great or excellent credit. But there is no rewards program for purchases.

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

Blue Business Plus Credit Card from American Express

Also, take a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. Also, there is no annual fee. Right now businesses can get double points. But this is on the first $50,000 in purchases each year.

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

Business Credit Cards Comparison: Credit Builder Small business Credit Cards

Take a look at the Wells Fargo Business Secured Credit Card. It allows cardholders to get a credit limit of $500 – $25,000. The amount available is the same as the amount of money you supply to secure the line.

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

This card allows business owners with poor personal credit to get a card to make purchases and develop business credit. But the card will just report to the personal credit agencies if you default or are overdue on payments.

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

Business Credit Cards Comparison: Cards for Cash Back

Look at the SimplyCash Plus Business Credit Card from American Express. You can earn up to $400 cash back. Get a $200 statement credit. But this is after spending $5,000.

You get 5% cash back at US office supply stores and on wireless phone services. But they must be bought directly from US service providers. And this applies to the first $50,000 of yearly spending.

You also get 3% cash back on the spending category of your choice, from eight varying categories, consisting of air travel, gas, and advertising and computer purchases. So this applies to the first $50,000 of annual spending. And also 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

Business Credit Cards Comparison Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Bank of America Business Advantage Cash Rewards MasterCard Credit Card

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 after $500 in purchases within 60 days of account opening.

You also get 3% cash back on purchases at filling stations and office supply stores. So this is as much as $250,000 per year. And you get 2% cash back on purchases at restaurants. Also, get 1% cash back on all purchases.

There is no yearly fee. But it is available to applicants with outstanding credit. And 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

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

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

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

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

Business Credit Cards Comparison: Cards for Rewards

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

You get three points on your choice of five categories. Also, get two times the points on the remaining categories. And get one point per dollar on all other purchases.

So it has a $0 yearly fee for the first year. But after that your yearly fee increases 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, check out the Business Platinum ® Card from American Express OPEN. You can get up to 75,000 Membership Rewards points upon account opening.

You can also get 50,000 Membership Rewards points. But this is subsequent to spending $10,000. And get an extra 25,000 points after spending an added $10,000 all on qualifying purchases. So this is during the first three months.

Additionally you can get five times the Membership Rewards points on flights and prepaid 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

Business Credit Cards Comparison: Your Best Business Credit Cards

Your very best corporate credit cards are dependent on your credit history and scores. Only you can decide which rewards you want and need, so make sure to do your due diligence. And, as always, make sure to build credit in the prescribed order for the optimum, fastest benefits.

 

 

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