WalletHub Compare Small Business Credit Cards
WalletHub makes it easy to compare small business credit cards.
COMPARE BUSINESS CREDIT CARDS
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- Earn $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No membership fees
- Qualify with bad credit
- Does not require security deposit
- Substantial business revenue needed to qualify
- Up to $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 18.49% - 24.49% (V) regular APR
- 3% foreign transaction fee
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- High rewards rate
- Good welcome offer
- No membership fees first year
- No foreign fee
- High membership fees in the second year
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
- High rewards rate
- Earn 50,000 miles initial rewards bonus
- No membership fees first year
- No foreign transaction fees
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- No annual fee
- Intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- High rewards rate
- 75,000 miles initial rewards bonus
- No membership fees first year
- No foreign fee
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Learn More About Small Business Credit Cards
About the author
John S Kiernan
Small Business Credit Cards FAQ
Comparing small business credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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How do you compare business credit cards? Reply
The best way to compare business credit cards is to focus on approval requirements, annual fees and rewards rates. By calculating how much the business would earn in rewards with each card and subtracting any applicable fees, a small business owner can compare expected savings and choose the best card.
Business credit cards are better for earning rewards than saving on interest, but if you need a card for financing purposes, the comparison will be a bit different. In particular, you’ll want to focus on each card’s introductory and regular APRs, and use a credit card payoff calculator to identify the cheapest option.
How to Compare Business Credit Cards
- Check your credit score. Checking your latest credit score, which you can do for free on WalletHub, will help you focus on comparing cards that you actually have a good shot at getting approved for. And in case you’re wondering, your personal credit score does matter for business credit cards.
- Review your past business expenses. Figure out where your business spends the most money and how much you expect to charge on the card in a year. If you plan to carry or transfer a balance, estimate how long you’ll take to pay off the debt.
- Calculate your savings. For rewards cards, apply each card’s rewards rates to your annual spending projections to see how much you’d save over a year. For 0% APR cards, calculate the amount you’d save in interest based on your anticipated payoff period. Don’t forget to subtract annual fees or any other costs the credit card may have. These calculations can reveal which card makes more financial sense.
- Consider any unique perks of either card. Some cards may have airport lounge access, free hotel stays, or other valuable benefits. Perks like these can tip the scales if all else is equal.
Keep in mind that one business credit card may not cover all of your financial needs, so it’s okay to consider getting more than one, as long as you space out the applications. If you need help picking the best credit card for your business, try out WalletHub’s CardAdvisor or become a WalletHub member to get free personalized credit card suggestions.
What is the difference between a corporate credit card and a business credit card? Reply
The main difference between a corporate credit card and a business credit card is that the company is liable for making payments with a corporate card while the individual user is personally liable with a business card. Corporate cards are also meant for larger companies – those with over $4 million in annual revenue. In addition, there are some other important differences between business and corporate cards in regard to account opening and cost.
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Amex Platinum vs. Business Platinum
THE WINNER
The Business Platinum Card® from American Express is the winner over The Platinum Card® from American Express. The American Express Business Platinum card is the better card overall because it comes with a higher welcome offer, 120,000 points for spending $15,000 within 3 months. The American Express Business Platinum card also offers bonus rewards in select business categories.
WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for
on this page.
Amex Business Gold vs. Platinum
THE WINNER
EDITOR'S OVERVIEW
The American Express® Business Gold Card is better than The Business Platinum Card® from American Express. Not only is the American Express Business Gold card the less expensive option, but it also gives you high rewards rates on common business expenses, resulting in more value overall.
The American Express Business Gold card offers 4 points per $1 spent in the two select categories with the most spending (up to $150,000 per year combined), 3 points per $1 spent on flights and prepaid hotels booked on amextravel.com, as well as 1 point per $1 spent on all other purchases. There’s also a lucrative welcome bonus offer and monthly statement credits for purchases at select retailers.
WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for
on this page.
Ink Business Preferred vs. Ink Business Cash
THE WINNER
The Ink Business Preferred® Credit Card is the winner over the Ink Business Cash® Credit Card. Even though both are rewards cards for small business owners with good credit, Chase Ink Preferred provides more bonus rewards and perks for frequent business travelers who spend enough each year to justify the cost.
For starters, Chase Ink Preferred gets you an initial bonus of 100,000 points for spending $8,000 in the first 3 months, along with solid bonus rewards rates on travel and business categories up to an annual spending limit. It also offers extra benefits like purchase protection and cell phone insurance.
WalletHub's credit card comparisons and ratings are completely independent and not provided, commissioned, or endorsed by any issuer. WalletHub independently collected information for
on this page.
What is a business credit card? Reply
A business credit card is a credit card that only business owners or authorized representatives of businesses can apply for. Business credit cards are meant be used for business purposes, not personal expenses. And while it’s not illegal to put personal expenses on a business card, it does make bookkeeping and tax preparation much more complicated.
During the approval process for a business credit card, issuers will look at the credit history of the business and...
Where can I get a business credit card offer with no personal credit check? Reply
You can get a business credit card with no personal credit check by applying for a credit card such as the Brex Corporate Card for Startups and being approved. The Brex Credit Card won’t do a personal credit check, though it does require applicants to have at least $100,000 in the bank to qualify.
The Brex Credit Card doesn’t check your credit because it does not require a personal guarantee, so the issuer must verify that your business can pay back its debts. Business credit cards with no personal guarantee are rare.
Best Business Credit Cards with No Personal Credit Check
- Overall: Brex Corporate Card for StartupsBrex Corporate Card for StartupsLearn MoreLearn Moreon issuer's website
- Sam's Club Purchases: Sam's Club® Business Credit CardSam's Club® Business Credit CardLearn MoreLearn More
If you’re unlikely to qualify for an unsecured business credit card due to a bad personal credit score, consider a secured business credit card. They’re much easier to get than regular, unsecured business credit cards, but you will have to consent to a personal credit check when you apply and pay a security deposit to open the account.
If you’re comfortable applying for a business credit card with a personal credit check, check out our editors' picks for the best business credit cards.
Featured Credit Cards
Expert Opinions
A business credit card is among the most important tools in a small business owner’s payment arsenal. Yet business plastic is too often misunderstood and misused as a result. In order to help small business owners maximize the perks of credit and ultimately beat long odds in achieving lasting business success, we posed the following question to a panel of leading business management experts. You can check out their bios and responses below:
- How important are credit cards to small business owners?
- What are the best ways to use a business credit card?
- Why use a business credit card for business instead of a personal card?
- Does a company need to be incorporated to get a business credit card?
- Why don't more banks and credit unions offer business credit cards?
- All things considered, are business credit cards better than personal credit cards?
Ph.D., Adjunct Assistant Professor, Shenandoah University School of Business
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Ph.D., Assistant Professor, George E. and Mary Lee Fischer Chair in Family Entrepreneurship, Department of Management & Entrepreneurship, College of Business - University of Louisville
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Ph.D., Professor of Economics, College of General Studies, University of Wisconsin-Milwaukee at Waukesha
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Ph.D., Professor, Hospitality and Business Division, SUNY Morrisville
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Director of Operations, Center for Analytics and Creativity, University of South Florida-Muma College of Business
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Professor of Economics, Finance and Global Business, William Paterson University-Department of Economics, Finance and Global Business
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Important Disclosures
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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