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.
2. 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 3.99% 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.
3. Capital One® Business Platinum with No Hassle Miles(SM)
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| Interest Rate: | As low as 9.99%* |
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| Intro Rate: | 0% APR on Purchases and Balance Transfers until January 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $20,000 |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases and balance transfers until January 2010. See terms and conditions for complete details.
Our Opinion: The Capital One® Business Platinum card with No Hassle Miles(SM) is best for business owners who want a rewards card with a competitive interest rate, a 0% introductory interest rate on purchases and transferred balances and no annual fee. Earn one mile for each dollar spent. Miles won't expire, and there is no limit to the number of miles you can earn. Redeem miles for travel, cash back, merchandise, gift cards, and more! Plus, miles are redeemable on any airline, anytime, with no blackout dates or seat restrictions. Save with a 0% introductory interest rate on purchases and transferred balances along with a competitive variable interest rate thereafter. This card has no annual fee, plus important business benefits. Business owners will have access to free employee cards with individual spending limits and a year end summary with annual purchases tracked by category, to help at tax time. Cardholders will also be able to enjoy additional savings for small businesses through the Visa Business Partner Advantage program. Earn everyday savings on computer equipment, office supplies and much more. If you're a business owner looking for a rewards card with a 0% introductory interest rate on purchases and transferred balances, apply today for the Capital One® Business Platinum card with No Hassle Miles(SM). *This card is for applicants with Fair Credit.
4. The Kiva BusinessCard
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| Interest Rate: | 7.99% |
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| Intro Rate: | 0% APR for 15 Months |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| 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 expires will be a fixed rate of 7.99%.
Our Opinion: Created for business owners with very good credit who want to help business owners in developing countries. Good intro rate-0% for 15 months for balance transfers. Earn .25%-1% in the cash back rewards program. Earn bonus cash back in these categories: computer equipment and office supplies, gasoline and diesel fuel, online advertising services, utilities and telecommunications, and social and charitable services organizations. When your account has earned at least $50, you will receive a $50 statement credit. Through Advanta's Matching Program, you can submit a micro-loan grant to Kiva as a charitable donation, and Advanta will match the grant up to $200 per month.Cardholders will have the option to withdraw or reinvest their donation as a grant to another business owner through Kiva in addition to receiving a 5% statement credit for having a bonus qualifying purchase.
5. Capital One® Business Platinum with No Hassle Cash(SM)
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| Interest Rate: | As low as 14.99%* |
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| Intro Rate: | 0% APR on Purchases and Balance Transfers until January 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $20,000 |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases and balance transfers until January 2010. See terms and conditions for complete details.
Our Opinion: The Capital One® Business Platinum card with No Hassle Cash(SM) is best for business owners who would like to earn cash back for all of their purchases. Earn a full 1% cash back on all purchases, with no category restrictions or limits plus get a 25% bonus each year on the cash you earned the previous year. There is no limit to the cash you can earn, no expiration date, and no minimum amount required to redeem for cash. Save with no annual fee and a 0% introductory interest rate on purchases and transferred balances. Plus, receive free employee cards with individual spending limits you set and a year end summary with annual purchases tracked by category, to help at tax time. Cardholders also enjoy additional savings for small businesses through the Visa Business Partner Advantage program. Earn everyday savings on computer equipment, office supplies and much more. If you're a business owner who wants a cash back reward card with no annual fee and a 0% introductory interest rate on purchases and transferred balances, apply today for the Capital One Business Platinum with No Hassle Cash(SM). *This card is for business owners with Above Average Credit.
7. Capital One® No Hassle Miles(SM) Ultra-For Professionals
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| Interest Rate: | 9.90% |
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| Intro Rate: | 0% on Purchases Until October 2009 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $30,000 |
| Annual Fee: | $39 |
Our Opinion: Created for professionals with excellent credit who want to earn airlines miles, cash, or gift card rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for cash, merchandise, or gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers.
8. CitiBusiness® Card with ThankYou® Network
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| Interest Rate: | 9.99% |
|---|---|
| Intro Rate: | 0% APR for 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on purchases for twelve months.
Our Opinion: This card is created for business users who want to manage business expenses on one card that has a reward program. No annual fee for reward program. Earn 3 points per $1 spent on office supply retailers and 1 point per $1 spent on general purchases. Earn up to 100,000 points per year. Receive 10,000 points after $250 in purchases; this is redeemable for a $100 gift card. Option to request your own reward- tell them the reward you want, if they can find it, they will tell you the points required. Benefits include travel accident insurance, fraud protection and auto rental insurance and discounts from participating retailers.
9. Advanta Customizable Platinum BusinessCard with Unlimited Rewards
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| Interest Rate: | 7.99% |
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| Intro Rate: | 0% APR for 15 Months |
| Grace Period: | n/a |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on balance transfers for 15 months if a transfer is submitted during the application process. The APR for balance transfers after the introductory period will be a fixed rate of 7.99%.
Our Opinion: The Advanta Customizable Platinum BusinessCard with Unlimited Rewards, issued by Advanta, is designed for business owners who are looking to consolidate business expenses onto one credit card account and would like to earn rewards or rebates for business purchases. Through the rewards program, cardholders will earn one point for every dollar they spend on purchases. Points can be redeemed for travel, gift certificates, merchandise, and checks in $50 increments once 5,000 points are earned. There is no limit on the number of points that can be earned and points will expire after three years. Many common platinum business features can be found with this card, such as auto rental insurance, extended warranty coverage, itemized expense reports, online account access, and card personalization. Cardholders are also offered discounts on various products and services from participating retailers and merchants. The card has no annual fee and has an attractive long term 0% introductory rate on balance transfers. This card also has a reasonably low interest rate that applies as long as payments are up to date; applicants should review the terms and conditions provided by the card issuer. Therefore, business owners who may occasionally carry a balance and plan to take advantage of the additional benefits and services provided (especially the retailer and merchant discounts) will benefit most from what the Advanta Customizable Platinum BusinessCard with Unlimited Rewards has to offer.
10. CitiBusiness® Card
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| Interest Rate: | 7.99% |
|---|---|
| Intro Rate: | 0% APR for 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on purchases made during the first 12 months.
Our Opinion: Created for those with very good credit who want to manage all business related expenses with one credit card. Low rate makes this a good choice if you plan to carry a balance. Benefits include auto rental insurance, travel accident insurance, and fraud protection. Cardholders can also take advantage of the discounts offered at participating merchants and retailers.


