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If You need a Credit Card for Business, Here’s How to Get One – This is Foolproof!

Published By Janet Gershen-Siegel at November 15th, 2017

Succeed with a Fantastic Credit Card for Business

Need a credit card for business? It can be yours.

We researched a number of small business credit cards. We did the research for you. So here are our favorites.

According to the SBA, business credit card limits are a whopping 10 – 100 times those of personal cards!

This shows you can get a lot more money with small business credit. And it also means you can have personal credit cards at retail stores. So you would now have a second card at the same shops for your business.

And you will not have to provide collateral, cash flow, or financials in order to get company credit.

Credit Card for Business Features

Advantages vary. So be sure to choose the reward you prefer from this variety of alternatives.

Get a Credit Card for Business with 0% APR – Pay Zero!

For a 0% APR time period, we really like the Ink Business Cash ℠ Credit Card. Also, you pay no annual cost. It’s got an interest-free period. It has flexible cash-back rewards. There are spending limits for employees. But you will need a credit score of 690 or better.

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

Blue Business Plus from American Express

For an introductory 0% APR period, we also go for 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 regular business purchases up to annual cap. But the normal APR is 12.24% – 20.24%. So this APR is variable.

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

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Get a Credit Card for Business 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 have to have a credit score of 690 or better.

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

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

Get a Credit Card for Business 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 within 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 3 months. Earn two miles per dollar spent on purchases made straight 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 enroll in 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, including 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 eligible purchases. But this is up to one million more points per year. Get five points per dollar. But this is for purchasing flights and prepaid hotels from the American Express Travel web site.

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

Ink Business Preferred from Chase

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

Earn 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 cap to the amount you can earn.

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

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Get a Credit Card for 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 fee.

Thereafter, the purchase APR is a variable 10.49% – 18.49%. And this is dependent on creditworthiness. There is no yearly fee. But this card is only available to those 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, have a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no annual fee.

Right now companies can earn double points. But this is on the first $50,000 in purchases every year.

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

Get a Credit Card for Business: Credit Builder Business Credit Cards – Make Your Credit Surge!

Check out the Wells Fargo Business Secured Credit Card. It allows cardholders to obtain a credit limit of $500 – $25,000. The amount available equals the amount of cash you provide 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 higher your yearly fee will be.

This card lets business owners with poor personal credit to obtain a card to make purchases and set up business credit.

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

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

Learn more here and get started toward establishing company credit and qualifying for even better business credit cards.

Get a Credit Card for Business for Cash Back

Consider the SimplyCash Plus Business Credit Card from American Express. So you can earn as much as $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 spending category of your choice. So this is from eight varying categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending.

In addition 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, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

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

You also get 3% cash back on purchases at filling stations and office supply stores. But this is as much as $250,000 per year.

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

In addition, 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 any 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 within 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 annual fee.

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

Learn more here and get started toward establishing company credit and qualifying for even better business credit cards.

Get a Credit Card for Business for Jackpot Rewards

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

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

Also, get one point per dollar on all other purchases. It has a $0 annual fee for the first year. But after that your yearly fee climbs 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, take a look at the Business Platinum ® Card from American Express OPEN. So you can earn as many as 75,000 Membership Rewards points upon 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 qualifying purchases. But this is within first three months.

Plus you can get five times the Membership Rewards points. So this is on airline 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

The Perfect Credit Card for Business for You

The best credit card for business for you will have a basis in your credit history and scores.

Just you can figure out which features you want and need. So make sure to do your research. What is excellent for you could be disastrous for someone else.

And, as always, make certain to build credit in the prescribed order for the most mind-blowing, fastest benefits.

Share this and tell your friends what you think of the best small business credit cards.

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