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Which Credit Cards Will Help Build Business Credit? The Reliable Answer
Published By Janet Gershen-Siegel at July 22nd, 2019
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Take Advantage of Our Research on Which Credit Cards Will Help Build Business Credit and Reliably Make Your Company Financially Stable
Do you know which credit cards will help build business credit? We inspected a substantial number of company credit cards; here are our favorites.
Per the SBA, small business credit card limits are 10 – 100 times that of personal cards! This shows you can get a lot more money with small business credit.
And this also means you can have personal charge cards at shops. So you’ll now have an additional card at the same stores for your small business.
And you won’t have to put up collateral, cash flow, or financial information to get small business credit.
Which Credit Cards Will Help Build Business Credit: Credit card Advantages
Benefits vary, so make certain to pick the reward you prefer from this array of choices.
Which Credit Cards Will Help Build Business Credit: These Will!
Know which credit cards will help build business credit.
Wells Fargo Business Secured Credit Card
Check out 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%. The annual fee is $25. The more cards you have, the more expensive your annual fee is going to be.
This card lets business owners with bad personal credit to acquire a card to make purchases and set up business credit.
But the card will only 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/
Check out how our reliable process will help your business get the best business credit cards.
Which Credit Cards Will Help Build Business Credit: Excellent 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. You will need to have a credit score of 690 or higher.
NOTE: the standard APR is 23.99% variable APR.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Which Credit Cards Will Help Build Business Credit: Awesome Company Credit Cards with 0% APR
For a 0% APR time period, we really like the Ink Business Cash ℠ Credit Card. You pay no annual cost. It’s got an interest-free period. It has versatile cash-back rewards.
There are spending limits for employees. You will need 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 like the Blue Business ℠ Plus Credit Card from American Express. It has an introductory 0% APR for 15 Months. You can earn double points on regular business expenses up to a yearly cap.
The regular APR is 12.24% – 20.24%. So this is variable.
Get it here: https://creditcard.americanexpress.com/blue/
Which Credit Cards Will Help Build Business Credit: Spectacular Low APR/Balance Transfers Business Credit Cards
For Low APR/Balance Transfers Business Credit Cards, we like the U.S. Bank Business Edge Platinum. You start with twelve months of 0% APR financing on new purchases and balance transfers. But there is a 3% balance transfer cost.
Thereafter, the purchase APR is a variable 10.49% – 18.49%. But this is dependent on creditworthiness. Yet there is no yearly fee. This card is just available to those with great or outstanding 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. And there is no yearly fee.
Right now companies can get double points on the initial $50,000 in purchases each year.
Get it here: https://creditcard.americanexpress.com/blue/
Which Credit Cards Will Help Build 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 after you make $1,000 in purchases on your new card within your very first three months. Terms and limitations apply.
In addition earn a $50 statement credit after you make a Delta purchase with your card in your first three months. Earn two miles per dollar spent on purchases made straight with Delta. 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 get Gold Status when you register for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.
TSA Details
There is a $100 credit towards the Global Entry application fee, including access to TSA PreCheck program. You get one point for every dollar spent on most purchases. Also, you get 1.5 times the points on charges of $5,000 or more on qualified purchases.
But this is up to one million more points per year. Also get five points per dollar spent buying flights and prepaid hotels from the American Express Travel site.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
Check out how our reliable process will help your business get the best business credit cards.
Ink Business Preferred from Chase
Also, be sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points once you spend $5,000 on purchases in your first three months from account opening.
Get three points for each dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone.
And this also applies to advertising purchases made with social media sites and search engines. But this is for each account anniversary year.
Also, get one point for each dollar on all of the 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
Which Credit Cards Will Help Build Business Credit: Terrific Cards for Cash Back
Consider the SimplyCash Plus Business Credit Card from American Express. You can earn up to $400 cash back. Earn a $200 statement credit after spending $5,000.
Also, get 5% cash back at US office supply stores and on wireless phone services purchased from US service providers. But this applies to the initial $50,000 of yearly 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.
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
Bank of America Business Advantage Cash Rewards MasterCard
Also, be sure to take a look at the Bank of America Business Advantage Cash Rewards MasterCard Credit Card. With this card, you can get a $200 statement credit.
So this is after $500 in purchases during 60 days of account opening.
You also get 3% cash back on purchases at gasoline stations and office supply stores. But this is up to $250,000 per year.
Also, you get 2% cash back on purchases at restaurants. And you also get 1% cash back on all purchases. There is no yearly fee. It is on offer to applicants with exceptional credit.
But your cash back can only be redeemed 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, consider the Spark Cash Select from Capital One. You get 1.5% cash back on all purchases, with no limitations.
New cardholders can also get a $200 cash bonus once they spend $3,000 on new purchases within three months of account opening. New customers also get initial APR of 0% on purchases for nine months. Also, there is no annual fee.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/
Check out how our reliable process will help your business get the best business credit cards.
Which Credit Cards Will Help Build Business Credit: Foolproof Cards for Rewards
Consider the Business Gold Rewards Card from American Express OPEN. You can earn 50,000 Membership Rewards points 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 yearly fee for the first year.
But after that your annual 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, have a look at the Business Platinum ® Card from American Express OPEN. You can get up to 75,000 Membership Rewards points at the time of account opening.
Also earn 50,000 Membership Rewards points subsequent to spending $10,000. In addition, get 25,000 more points after spending an extra $10,000. So this is on all on qualifying purchases within the initial three months.
Plus you can get five times the Membership Rewards points on flights and pre-paid hotels on amextravel.com. But – yikes! – it has a $450 yearly fee.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279
Which Credit Cards Will Help Build Business Credit: The Best Business Credit Cards for You
Which credit cards will help build business credit? They will hinge on your credit history and scores. And they might just not turn out to be which credit cards will help build business credit.
Only you can choose which rewards you want and need, so be sure to do your homework.
And, as always, make certain to build credit in the recommended order for the max, fastest benefits. Share this and tell your friends what you think of which credit cards will help build business credit.