Business Credit Cards
Business credit cards offer attractive rebates and rewards to the small business just for using the card for everyday purchases. The business can usually earn some additional reward points for card purchases on specific items. Our objective opinion is included on each card.
1. Ink℠ Classic Business - Up to 25,000 Bonus Points
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| Interest Rate: | 13.24% * |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% APR for 6 months on purchases and balance transfers
Our Opinion: This card is for business owners who want a reward card. Earn 10,000 bonus points for your first purchase, and an additional 15,000 bonus points when you spend $5,000 within your first 3 months! Earn 1 point per $1 spent on all purchases. Earn 2 points for every $1 spent on the first $25,000 worth of gasoline and lodging. Plus, you'll earn 5x points per $1 on the first $25,000 spent annually on office supplies, wireless services, landline communication and cable services. Free additional cards for employees also earn rewards. Set individual spending limits for cards. No annual fee.
2. Capital One® Spark℠ Cash for Business
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| Interest Rate: | 13.9% (V)* |
|---|---|
| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | $59 |
Special Offers: No introductory rate available.
Our Opinion: The Capital One® Spark℠ Cash for Business Credit Card gives cardholders some of the most cash back of any business credit card on the market. Earn unlimited 2% cash back reward on every purchase with the option of setting up automatic redemption. Earn $100 simply for spending $1,000 on the card within the first 3 months and another $50 for signing up one or more employee cards. The Capital One® Spark℠ Cash for Business Credit Card also comes with a $0 introductory annual fee. A free year end summary annually also comes standard with the Capital One® Spark℠ Cash for Business Credit Card. A comprehensive spending analysis is broken down by purchasing category, thereby allowing account review for budgeting, planning and to identify tax deductions easier. If you wish to speak to someone directly, award-winning small business team members are available to help you.
3. Capital One® Spark℠ Miles Select for Business
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| Interest Rate: | 14.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | Introductory 0% APR on purchases until August 2012 |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: Introductory 0% APR on purchases until August 2012.
Our Opinion: Earn 1 mile per dollar spent on all your purchases, no matter what your business expenses may be plus a 50% added cash back bonus on the total miles you earn every year. The Capital One® Spark℠ Miles Select for Business credit card has no blackout dates on when you can fly nor any seat or airline restrictions. Review your quarterly and year-end summaries online for a detailed overview of your payments, transactions and fees. The Capital One® Spark℠ Miles Select for Business credit card also comes with no annual fee for all these perks and benefits.
4. Capital One® Spark℠ Miles for Business
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| Interest Rate: | 13.9% (V)* |
|---|---|
| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | $59 |
Special Offers: No introductory rate available.
Our Opinion: Earn 2X miles on every purchase plus 15,000 bonus miles. With their accumulated miles, cardholders can easily redeem miles for travel on any airline at anytime - with no blackout dates. Miles can also be redeemed for gift cards, merchandise and more. A free, annual year's end summary is also standard with the Capital One® Spark℠ Miles for Business credit card. In-depth analysis of spending is broken down by category, enabling easy accounting review for budgeting, planning and spotting tax deductions. Business owners can also brand their Capital One® Spark℠ Miles for Business credit card with their company logo or other phrasing- so every time the card is used, your business is being promoted. This card customization additionally allows for individual spending limits for each employee. Purchases made on the card will also be itemized for simplified viewing on your statement. Tracking account activity, paying bills and viewing up to 13 months of statements can all be done via Capital One's safe, secure online interface.
5. The Plum Card® from American Express OPEN
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | n/a |
| Annual Fee: | $185 |
Our Opinion: The Plum Card® from American Express OPEN is for business owners who would like to use an American Express charge card with added flexibility. This card carries a $185 annual fee which is waived for the first year. The annual fee for the first additional card request is also waived for the first year, however, any additional cards beyond the first will incur a $45 annual fee. Although the card does not come with an incentive program, it does offer various benefits that are rewarding. You can earn a 1.5% discount by paying your full balance within 10 days of your statement closing date. You can also take up to 2 months from your statement closing date to pay your new balance in full, without penalties or interest. Just make an initial payment of at least 10% of your balance. Account holders will receive travel and emergency services, car rental damage and loss insurance, baggage protection, identity theft assistance, and more. The Plum Card® from American Express OPEN will prove to be a convenient option for business owners with additional options for special savings.
6. Capital One® Spark℠ Cash Select for Business
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| Interest Rate: | 14.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | Introductory 0% APR on purchases until August 2012. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: Introductory 0% APR on purchases until August 2012.
Our Opinion: On every purchase you make and a 50% cash back bonus every year, you'll see how quickly you can do more for your business. Earn 1% cash back on all purchases, no matter where your business takes you. Cash rewards don't expire. Earn a 50% cash back bonus is yours every year! 0% introductory APR on all your purchases - this special offer is good until April 2012. The Capital One® Spark℠ Cash Select for Business makes your quarterly and year-end summaries available for you to view online. Access these documents with just the click of a button and enjoy a breakdown of your business spending right at your fingertips!
7. SimplyCash® Business Card from American Express OPEN
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| Interest Rate: | 12.24% - 19.24% Variable* |
|---|---|
| Intro Rate: | 0% APR for Up to 12 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% introductory APR on purchases for 6 months, 9 months, or 12 months, based on your creditworthiness.
Our Opinion: The SimplyCash® Business Card from American Express OPEN is designed for those with very good credit and who plan to take advantage of the cash back reward program. Cardholders have access to the cash back reward program for no additional fee. Through the reward program, cardholders earn a 5% rebate on office supplies and wireless services, a 3% rebate on automobile gas, and a 1% rebate on all other purchases. Rebates are automatically credited to the cardholder's statement each month, and there is no limit to the amount of cash back that can be earned. The card has no annual fee, and it has a low interest rate for purchases. Cardholders can also take advantage of the 0% introductory rate on purchases for up to 12 months. As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include travel accident insurance, purchase protection, and special discounts from select retailers. Therefore, those who plan to make qualified purchases to receive the 5% rebate, would like the option to carry a balance, and will take advantage of the introductory offers will benefit most from what the SimplyCash® Business Card from American Express OPEN has to offer.
8. Capital One® Spark℠ Classic for Business
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| Interest Rate: | 22.9% (V)* |
|---|---|
| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: No introductory rate available.
Our Opinion: Earn cash back rewards almost every day with no annual fee. Earn 1% cash back on all your purchases, regardless of whether you're shopping for business supplies or other unrelated items. Build business credit and be eligible for an automatic credit line increase. Add up to 25 authorized employee users to your card membership and experienced small business customer service representatives ready to assist you. The Capital One® Spark℠ Classic for Business further provides year-end summaries of your account as well.
9. CitiBusiness® World Card
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| Interest Rate: | 13.24% Variable* |
|---|---|
| Intro Rate: | 0% Intro APR for 6 months* |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | See Important Notations |
| Annual Fee: | None |
Special Offers: 0% Intro APR on purchases for 6 months
Our Opinion: Designed for businesses with an established credit history. Spend $300 in purchases within the first three months of your card membership and earn 10,000 bonus ThankYou® points, redeemable for a $100 gift card. 0% interest for the first six months, then a standard. variable APR will apply. Earn 3 ThankYou® points for every $1 spent at select office supply merchants and professional services. Earn 1 point for every $1 spent on any other type of purchase, including those made on employee cards.
10. The NEW Business Gold Rewards Card® from American Express OPEN
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | n/app |
| Annual Fee: | $175 |
Our Opinion: The NEW Business Gold Rewards Card® from American Express OPEN is a charge card that is part of the American Express OPEN family of business-oriented card offers. It's designed for business owners who want to earn Membership Rewards points for the business purchases they shift onto the card! You'll earn one point for virtually every dollar you spend. There is no limit to the number of Membership Rewards points you can earn and your rewards points never expire. The annual fee is waived for the first year, a bonus that saves you the cardholder $175! Plus, you'll enjoy more purchasing power with The NEW Business Gold Rewards Card® from American Express OPEN. Your purchasing capacity will evolve with your business. And as you shift business expenses onto the card, you'll earn even more rewards! If you are a business owner looking for a way to earn valuable Membership Rewards points for your business expenses, The NEW Business Gold Rewards Card® from American Express OPEN may be the right fit for you!
11. The Business Platinum Card® from American Express OPEN
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| Interest Rate: | n/app* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | n/app |
| Credit Limit: | See Important Notations |
| Annual Fee: | $450 |
Our Opinion: Elevate your business to great success with the Business Platinum Card® from American Express OPEN. The Business Platinum Card® from American Express OPEN is the ideal credit card for all your business ventures and related needs! No matter where you travel, you'll enjoy complimentary airport club access, including at American Airlines Admirals Club® lounges. Concierge service is also available to assist you during your trip - whether it's choosing the perfect gift or making dinner reservations. Receive a significant 20% Travel Bonus on your pay with points bookings when you redeem with Membership Rewards Pay with Points. You'll also receive up to $200 Airline Fee Credit to cover incidentals of the airline you select. As part of the Business Platinum Car Rental program you'll receive free enrollment in the Hertz #1 Gold Club®, Avis Preferred®, and Emerald club from National® Car Rental. You'll receive exclusive discounts as well as upgrades for qualified car rentals. Sit back and relax as you wait for your next flight at one of 1,000 Internet business lounges worldwide, situated in 450 major cities. This exclusive access is yours as part of the Platinum Office Program. You'll also receive enrollment in the Membership Rewards First® program and enjoy no pre-set spending limit. The Business Platinum Card® from American Express OPEN provides top-notch benefits and features your company will love! With such a range of exclusive perks only available from American Express, you'll see why this is the ideal credit card for all your business needs.
12. Gold Delta SkyMiles® Business Credit Card from American Express OPEN
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| Interest Rate: | 15.24% - 19.24% Variable* |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | $95 |
Our Opinion: The Gold Delta SkyMiles® Business Credit Card from American Express OPEN goes anywhere your business leads you, and rewards you with Delta SkyMiles along the way! Earn 30,000 miles right away when you spend $500 or more in the first three months of using the Gold Delta SkyMiles® Business Credit Card from American Express OPEN. These miles can also be redeemed for a domestic economy award ticket. Earn 2 miles for every eligible dollar spent on certain Delta flights and 1 mile on every other eligible dollar spent. Your first checked bag is also FREE, and you'll receive a Companion Certificate every year your card is renewed. Redeem your miles to pay for any Delta seat - anywhere, anytime. That means there are no blackout dates or seat restrictions for when you choose to fly. The Gold Delta SkyMiles® Business Credit Card from American Express OPEN features a special ZERO annual fee for the first year you are a card holder. This offer provides you with $95 worth of savings! It's time to travel the friendly skies on Delta Air Lines! Get your very own Gold Delta SkyMiles® Business Credit Card from American Express OPEN, and see how much it pays to fly your business on this travel rewards credit card!


