Get Better Visa Business Cards for Your Business
Are you looking for Visa business cards? We did the digging so you won’t have to. We inspected a lot of business credit cards; here are our favorites.
Per the SBA, company credit card limits are 10 – 100 times those of personal cards! This means you can get a lot more money with company credit. And this also means you can have personal charge cards at stores, and now have a second card at the same shops for your company. And you will not have to have collateral, cash flow, or financials in order to get corporate credit.
Visa Card Features
Features vary, so be sure to select the reward you prefer from this variety of possibilities.
Small Business Credit Cards with 0% APR
For a 0% APR time frame, we like the Bank of Hope Business Rewards Visa® Credit Card. You pay no annual fee. But you will have to pay a 3% balance transfer fee with a minimum of $5.
Earn 5,000 bonus points after spending $1,000 in the first three months. Earn triple points on gas. Get double points on travel and dining. And earn one point per dollar on all other purchases.
Pay a 0% introductory APR for nine months, then variable APR 12.49%, 16.49% or 20.49% based on creditworthiness after introductory period ends. It should be easy for most entrepreneurs to meet the minimum spend required for the points bonus. Triple points on gas are particularly helpful if yours is a business requiring a lot of time on the road (say, trucking). If your credit is good enough to get the lowest APR after the introductory period ends, this could be a great card for you.
Get it here: https://www.bankofhope.com/business-banking/credit-cards/rewards-visa
Business Credit Cards for Fair Credit
For Fair Credit, we are partial to the Capital One Spark Classic for Business. It has no annual fee. Earn 1% cash back with every purchase, with no minimums. NOTE: the standard APR is 26.99% variable APR.
The minimum credit line $300. The cash back percentage is low, and the interest rate is higher than for the other cards reviewed. But if your credit is only fair, or you don’t have a very long credit history, this card could be right for you.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Small Business Credit Cards for Travel Points
Make sure to check out the The Commercial Edition® Visa®. This card works well for travel, entertainment, and other spending. It helps companies keep control and improve cash flow. Additionally, it also helps them understand their spending patterns by offering specific reporting options. Furthermore, account holders can establish spending limits for individual card holders.
Get it here: https://www.amalgamatedbank.com/commercial-credit-cards
Low APR/Balance Transfers Business Credit Cards
For Low APR/Balance Transfers Business Credit Cards, we prefer the Regions Visa Business Enhanced Credit Card. You can earn Regions Relationship Rewards on qualifying purchases, which you can redeem for cash, statement credits, travel, and more.
You also get access to Visa SavingsEdge which provides an automatic savings of up to 15% on eligible purchases. Discounts appear in the form of statement credits. Pay no annual fee.
Get a 0% intro APR through the end of the sixth billing cycle after account opening, and then pay a 11.49-22.49%, depending on creditworthiness. Pay a 11.49-22.49% balance transfer APR. This is a good card if you can wait for perks as the statement credits for both programs may take a cycle to show up on your account. It’s also a decent card for interest rate – if you’ve got good personal credit scores.
Get it here: https://www.regions.com/small-business/business-credit-cards
Visa Business Cards for Cash Back
Take a look at the Zions Bank Visa Amazing Cash® Business Credit Card. Earn 3% cash back on select business purchases, including office supplies, cell services, internet, telecom, and cable TV. Get 2% cash back on select business travel purchases, including airlines and vehicle rentals. And get 1% cash back on everything else.
Pay a 0% introductory APR on balance transfers for the twelve months after account opening, then pay a 14.24% variable APR afterwards.
A 3% balance transfer fee for each transfer ($10 minimum) applies. Credit limit up to $250,000. Pay no annual fee and no rewards fees. There’s a 0% introductory APR for the first 6 months after account opening. Then pay a 14.24% variable APR afterwards.
Get it here: https://www.zionsbank.com/business-banking/business-credit-cards/
Credit Builder Corporate Credit Cards
Check out the FNBO Business Edition® Secured Visa® Card. With this card, you can, “take control of your credit history and help rebuild your credit”. Request your own credit limit between $2,000 and $100,000, in multiples of $50 when you apply.
Your credit limit is subject to credit approval and a security deposit. Your security deposit is 110% of the amount of your credit limit. You will earn interest on your security deposit. There is a $39 annual fee. Pay a variable 20.24% APR on purchases and balance transfers based on the Prime Rate.
Get it here: https://www.fnbo.com/small-business/credit-cards/
Your Best Visa Business Cards
Your absolute best company credit cards hinge on your credit history and scores. Only you can choose which perks you want and need, so be sure to do your research. Visa business cards can be a great choice for you.
And, as always, make sure to build credit in the recommended order for the highest, fastest benefits.
Check out how this will help your company get the best Visa business cards.
