Get Small Business Visa Credit Cards
Small business Visa credit cards can be yours. Are you trying to find small business Visa credit cards? So here are our picks.
Per the SBA, company credit card limits are a whopping 10 – 100 times that of personal credit cards!
This shows you can get a lot more cash with business credit. And it also means you can have personal credit cards at stores. So you would now have an additional card at the same stores for your company.
And you will not need collateral, cash flow, or financial data in order to get small business credit.
Small Business Visa Credit Cards: Benefits
Advantages vary, so make sure to pick the benefit you prefer from this range of choices.
Small Business Visa Credit Cards with 0% APR
Uber Visa Credit Card
Check out the Uber Visa Credit Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.
The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, get 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases.
So, this includes retailers and subscription services like Uber and Netflix. And earn 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.
By spending a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending at least $5,000 annually are eligible to receive a $50 credit toward online subscription services.
If you pay your cell phone bill with this card, you are insured up to $600 for cellphone damage or theft.
Cardholders are eligible for exclusive access to certain events and offers. Uber expects the majority of these offers to be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.
But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.
Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accrue a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, in a given day.
Get these small business Visa credit cards here: https://www.uber.com/c/uber-credit-card/
Costco Anywhere Visa® Business Card by Citi
Not taking Uber? Then you’ll want to fill your gas tank somehow. Why not do so with the Costco Anywhere Visa® Business Card by Citi?
This credit card earns cash back with every purchase. Earn 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.
Note: the $0 annual fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.
Also, there is no sign-up bonus offered with this card.
Ink Business Cash℠ Business Credit Card from Visa
Take a look at the Ink Business Cash ℠ Business Credit Card. Small businesses can get cash back with each purchase. Spend $3,000 in the first three months from account opening. And you’ll get a $500 bonus cash back.
There is a $0 annual fee with a 0% introductory APR for 12 months on purchases and balance transfers. After that, the APR is a 15.24 – 21.24% variable.
The card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.
Earn bonus cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.
Note: this business credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.
Get small business Visa credit cards here: https://creditcards.chase.com/small-business-credit-cards/ink-cash
United MileagePlus Explorer Business Credit Card from Visa
Get a good look at the United MileagePlus Explorer Business Credit Card.
Earn 2 miles/dollar with United and at restaurants, filling stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.
Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.
Also, get two United Club passes annually. And get hotel and resort perks including upgrades. Additionally, get early check-in and late checkout. And get an auto rental collision damage waiver.
And also, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.
After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.
Get small business Visa credit cards here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business
Small Business Visa Credit Cards for Rewards
Chase Sapphire Preferred® Business Credit Card from Visa
Take a look at the Chase Sapphire Preferred® Business Credit Card for travel points.
You can get two points to the dollar spent on travel and dining at restaurants. And you can get one point per dollar on all other purchases. Points can be traded in for cash back, gift cards, or travel.
The card’s benefits include trip cancellation insurance, travel and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection and extended warranty protection.
When you spend $4,000 in the initial 3 months from account opening, you will earn 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.
You can get an unlimited two points per dollar for travel and dining at restaurants. Then afterwards earn one point per dollar for all other purchases. Points will transfer equally to 13 leading frequent travel programs with partners. So these include British Airways, Southwest Airlines, United, and Marriott.
There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 – 24.74% variable. Also, the card has an annual fee of $0 introductory for the first year. And then it skyrockets to $95.
Get small business Visa credit cards here: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred
Ink Business Preferred ℠ Business Credit Card
Get a look at the Ink Business Preferred Business Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.
This is a Visa credit card.
Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.
Get 80,000 bonus points when you spend $5,000 in the first 3 months from account opening. There is an annual fee of $95. You can add employee cards at no additional cost.
This credit card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases get an unlimited flat rate of one point per dollar. And there is no introductory APR
Our Top Picks
So, what do we prefer? Great question!
The least expensive cards are likely to be the Uber Visa and the Costco Visa. But keep in mind, you’ll need a Costco membership to get the latter. Hence you should factor that cost in.
For the more expensive cards, your best bets are likely to be the United Visa and the Ink Business Cash. You will need to spend $3,000 to get better perks. Contrast with Chase Sapphire, where you need to spend $4,000. And – yikes! – Ink Business Preferred where you need to spend $5,000.
The United Visa also seems to be your best bet if you’re looking for travel perks. But keep either the Uber or Costco Visa for when you need to fill up your tank.
The Best Small Business Visa Credit Cards for You
Your absolute best small business Visa credit cards hinge on your credit history and scores.
Only you can pick which features you want and need. So be sure to do your homework. What is excellent for you could turn out to be disastrous for other people.
And, as always, be sure to establish small business credit in the recommended order for the best, quickest benefits.