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. Chase Business Cash Rewards Card
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| Interest Rate: | 10.99% |
|---|---|
| Intro Rate: | 0% APR for up to 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Transferred balances must consist of business-related expenses.
Our Opinion: Created for those with very good credit who want to put business expenses with one card and who can take advantage of the rewards offered. The rewards are based on the following tiered system: 1 point per $1 spent for new purchases up to $2,000 each billing cycle; 5 points per $1 spent for new purchases totaling between $2,000-$2,500 each billing cycle; and 1.25 points per $1 for new purchases totaling over $2,500 each billing cycle. The card promotes "up to 5% cash back," but that 5% is on a very small percentage of your purchases. Benefits include travel accident insurance, auto rental insurance, and a purchase protection plan.
2. Advanta Platinum BusinessCard with Rewards
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| Interest Rate: | 7.99% |
|---|---|
| Intro Rate: | 0% APR for 15 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | up to $50,000 |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on balance transfers for 15 months. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%.
Our Opinion: Created for business owners who want to transfer business expenses onto one credit card account and earn rewards or rebates for business purchases. Earn 5% rebate on qualifying purchases of computers, office supplies, telecommunications and utilities, gasoline and diesel fuel. Earn 1% rebate on all other purchases. Earn up to $300 in rebates per year, maximum of $25 in rebates per month. You may also choose the reward program. Earn 1 point per $1 spent on all purchases made with the card. Balance transfer fee is 3%; minimum of $5, maximum $75. Points can be redeemed for cash or various travel rewards. Earn unlimited points each year. Benefits include extended warranty coverage, auto rental insurance, itemized expense reports, and online account access. Discounts on various products and services from participating retailers and merchants are also available. One of the lowest rates available for a business card.
3. Discover® Business Miles Card
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| Interest Rate: | 13.99% |
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| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on purchases for 12 months and a 3.9% introductory APR on balance transfers for 6 months. See terms and conditions for complete details.**
Our Opinion: Created for those with very good credit who can take advantage of the travel reward program. Earn double miles on up to $5,000 in travel and gas purchases. Earn up to 1 mile per $1 spent on general purchases. Use miles for airfare or reduced airfare with most U.S. airlines. Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your Account is opened. Earn unlimited points each year. No expiration for the points.
4. Advanta Life of Balance Platinum Card
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| Interest Rate: | 9.99% |
|---|---|
| Intro Rate: | 2.99% APR for Life of Balance Transfers |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on balance transfers submitted during the first three months.
Our Opinion: Created for business users who want to receive cash back for using the card. Earn up to 6% cash back from the category of your choice: office supplies and computer equipment, fuel, dining, or telecommunications and utilities. Earn up to 2% on all other general purchases. Earn unlimited rebates, but the rebates are tiered, so you may not receive the highest rebate for each purchase. Earn unlimited rebates. Travel rewards program also available. 2.99% fixed rate for balance transfers made during the first 3 months. Benefits include discounts on services and products from participating merchants.
5. SimplyCash® Business Card from American Express
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| Interest Rate: | As low as Prime + 0% |
|---|---|
| Intro Rate: | 0% APR for Up to 12 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months.
Our Opinion: Created for those with very good credit who will use the cash back reward program. Earn 5% rebate on office supplies, gas, and wireless services. Earn 1% rebate on all other purchases. No limit to the cash that can earned; rebate will be credited on your statement each month. No fee for additional employee cards. Savings with Fed Ex, Hertz, Delta, and Hyatt Hotels and Resorts. Benefits include purchase protection and travel accident insurance.
6. Chase Business Rebate Visa® Card
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| Interest Rate: | 7.99% |
|---|---|
| Intro Rate: | to 0% APR for up to 15 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | up to $35,000 |
| Annual Fee: | None |
Special Offers: Transferred balances must consist of business-related expenses.
Our Opinion: Created for those with very good credit who will use the rebate program. The card offers 3% cash back on purchases made at gas stations, office supply and building supply stores, home improvement and hardware stores, and any restaurant (maximum $20,000 in qualifying purchases). Other purchases will receive a 1% rebate. No maximum on the amount earned. Benefits include travel accident insurance and insurance for auto rental.
7. Blue for Business® Credit Card
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| Interest Rate: | As low as Prime Rate + 2.99% |
|---|---|
| Intro Rate: | 0% APR for up to 15 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A fixed 4.99% introductory rate is available on balance transfers for the life of the loan if the balance transfer is submitted during the application process or posted to the account within 45 days of Card membership.
Our Opinion: Created for business owners with average credit who want a rewards program. There is no fee for the Membership Rewards Express program. Earn 1 point per $1 spent. Redeem point with partners like Home Depot and Sony. Use points to book airline tickets, for for hotel stays. 4.99% fixed intro rate for life of balance transfer if it is made within the first 45 days of membership. Save 3% to 25% on business expenses with partners like Delta, Hertz, Hyatt Hotels, and Fed Ex.
8. The Platinum Business Credit Card
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| Interest Rate: | As low as Prime + 2.99% |
|---|---|
| Intro Rate: | 0% APR for 12 Months |
| Grace Period: | 25 Days |
| Credit Limit: | up to $50,000 |
| Annual Fee: | None |
Special Offers: A 4.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the application process or posted within 45 days. Introductory rate applies to purchases made using the card at physical locations.
Our Opinion: Created for those who want to manage all business related expenses on one card and plan to carry a balance. 4.99% fixed rate for the life of the loan for balance transfers. Free access to the Membership Reward Options program. Earn unlimited points each year and there is no expiration. Benefits include various purchase security features, travel accident insurance (up to $100,000), and special discounts at participating merchants, such as Delta, Jet Blue, and Hertz. This card will benefit those who qualify for the lowest rate offered, carry a monthly balance and will be able to take advantage of the discounts and rewards.
9. Capital One® No Hassle Miles(SM) Ultra-For Professionals
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| Interest Rate: | 13.90% |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 25 Days |
| Credit Limit: | up to $30,000 |
| Annual Fee: | $39 |
Our Opinion: The Capital One® No Hassle Miles(SM) Ultra-For Professionals card is the perfect card for professionals with excellent credit that want to earn airline miles rewards for all of their purchases. Through the reward program, cardholders will earn two miles for each dollar spent on all purchases. Miles won't expire, and there is no limit to the amount of miles that you can earn. Plus, miles are redeemable on any airline, anytime, with no blackout dates or seat restrictions. Miles can also be redeemed for cash, merchandise, charitable donations, and gift cards. This card has an annual fee of $39; however, it does offer an average interest rate for purchases and balance transfers. This card provides common platinum benefits such as emergency roadside assistance, purchase insurance, and concierge services. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. Therefore, those who want a great airline miles rewards card will benefit most from what the Capital One® No Hassle Miles(SM) Ultra-For Professionals card has to offer.
10. Blue Cash® for Business Credit Card
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| Interest Rate: | As low as Prime + 2.99% |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A 7.99% introductory rate is available on balance transfers for the life of the loan if a transfer is submitted during the first six months. Introductory rate applies to purchases made using the card at physical locations.
Our Opinion: Created for business owners with average credit who will use the cash back rewards for business expenses. Earn up to 5% rebate on purchases at supermarkets, gas stations, and drugstores. Earn between 0.5% and 2.5% for all other purchases. Rebates are lower after annual spending exceeds $15,000. Businesses can also realize a 3% to 5% savings when the card is used for purchases with Delta, Hyatt, Courtyard by Marriott, and FedEx Kinkos.
