Small business credit cards can be your ally if you are a small business owner. Not only can you get a line of credit to meet your business expenses, you can also earn cash back or rewards points on your spending. This season, we've noticed quite a few cards offering 0% introductory APR on purchases, which lets you make purchases with your card without having to pay any interest during the first few months, plus many come with no annual fee, including employee cards. Below is GET.com's list of the best business credit cards in the US.

Best Credit Cards for Small Businesses - GET.com's Picks

Best ForCredit Card
Cash BackSimplyCash® Plus Business Credit Card
Travel RewardsCapital One® Spark® Miles for Business
Starwood Preferred GuestStarwood Preferred Guest® Business Credit Card from American Express
TravelGold Delta SkyMiles® Business Credit Card
Airline RewardsPlatinum Delta SkyMiles® Business Credit Card
RewardsThe Blue Business℠ Plus Credit Card from American Express

Here are the best small business credit cards for established and new small businesses based on GET.com's research:

Our Best Cash Back Cards For Small Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

APPLY NOWAt American Express' secure website
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
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  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Terms Apply
APPLY NOWAt American Express' secure website

0% on Purchases for 9 months

13.24% - 20.24% Variable

$0

Excellent Credit

SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser, has a special offer that lets you earn up to $400: earn $200 statement credit after spending $5,000 or more on qualifying purchases with your Card within the first 6 months of Card Membership, if you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership you can earn an additional $200 statement credit. Earn 5% cash back on purchases made at U.S. office supply stores and on wireless telephone services that you purchase directly from U.S. service providers. Earn 3% cash back on the category that you choose from a list of 8 select categories. These 5% and 3% categories are capped at $50,000 spent per calendar year on purchases (earn 1% cash back after the cap). Earn 1% cash back on your other purchases. Benefit from 0% intro APR on purchases for 9 months, after that there is a 13.24% - 20.24% variable APR based on your creditworthiness. This card has no annual fee. Terms & limitations apply.

Read our review of SimplyCash® Plus Business Credit Card from American Express here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business
  • Our Rating:
  • Our Rating:
  • 4.60/5
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  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

N/A

17.99% (Variable)

$0 intro for first year; $59 after that

Why we like it
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good

Capital One® Spark® Cash for Business is a business credit card that rewards you with a one-time $500 cash bonus when you make $4,500 of purchases within 3 months from account opening. For every purchase you make, you'll receive 2% cash back. The cash back you earn doesn't expire, and you can earn unlimited cash back. $0 intro annual fee for the first year, $59 after that. Read our review of Capital One® Spark® Cash for Business here.

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Bank of America<sup>®</sup> Business Advantage Cash Rewards Mastercard<sup>®</sup> credit card

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Bank of America<sup>®</sup> Business Advantage Cash Rewards Mastercard<sup>®</sup> credit card
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
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  • Earn a $200 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America® savings or checking account

0% Introductory APR for 9 billing cycles for purchases

12.24% - 22.24% Variable APR on purchases and balance transfers

No annual fee

Excellent

Bank of America® Business Advantage Cash Rewards Mastercard® credit card gives you 3% cash back for purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on your other purchases (Up to $250,000 in combined gas station and office supply store purchases annually; then a 1% earn rate after that). You can earn a $200 statement credit, after making $500 in purchases using your new card within 60 days of account opening. You can redeem your cash rewards for cash back, or even apply them to a Bank of America® savings or checking account. Enjoy 0% Introductory APR for 9 billing cycles for purchases with 12.24% - 22.24% Variable APR thereafter. This business cash back card has no annual fee.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business
  • Our Rating:
  • Our Rating:
  • 4.30/5
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  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

0% on purchases for 9 months

13.99% - 21.99% (Variable)

$0

Why we like it
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business.
Excellent, Good

Capital One® Spark® Cash Select for Business is a business cash back credit card that offers a one-time $200 bonus if you spend $3,000 on purchases within 3 months from account opening. This card also lets you earn 1.5% cash back on all your purchases! Your cash back doesn't expire and there is no limit on the cash rewards you can earn. Redeem your cash back anytime. There is a 0% intro APR on purchases for 9 months (13.99% - 21.99% variable APR thereafter). All additional employee credit cards have no annual fee. $0 annual fee. Read our review of Capital One® Spark® Cash Select for Business here.

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Our Best Travel Cards For Small Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business
  • Our Rating:
  • Our Rating:
  • 4.50/5
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  • Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

N/A

17.99% (Variable)

$0 intro for first year; $59 after that

Why we like it
  • Earn 2 miles per $1 on every purchase, every day.
Excellent, Good

Capital One® Spark® Miles for Business rewards you with a one-time bonus of 50,000 miles when you spend $4,500 on purchases within 3 months from account opening. With this card, you will also earn 2 miles for every dollar you spend on all your purchases. Earn unlimited miles that don't expire. Miles can be redeemed for travel purchases as well as cash back, gift cards, and more. Miles can be redeemed for flights on any airline, with no blackout dates. No foreign transaction fee. This card has a standard 17.99% variable APR for purchases and balance transfers. It has a $0 intro annual fee for the first year, $59 after that. Read our review of Capital One® Spark® Miles for Business here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

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Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.00/5
  • Your Rating:
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  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

16.24% - 20.24% Variable

$0 introductory annual fee for the first year, then $95

Why we like it
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights.
Excellent Credit

Starwood Preferred Guest® Business Credit Card from American Express, a GET.com advertiser, has a welcome offer that lets you earn up to 25,000 bonus Starpoints®: That's 25,000 bonus Starpoints after you use your card to make $5,000 in purchases within the first 3 months! Earn 2 Starpoints® for each $1 spent on eligible purchases that are charged directly to hotels and resorts that are participating in the SPG® program (in addition to the 2 or 3 points you may be eligible for as an SPG member). Earn 1 Starpoint® for each $1 spent on all other eligible purchases. Enjoy a $0 introductory annual fee for the first year, then $95. Terms apply. Read our review of Starwood Preferred Guest® Business Credit Card from American Express here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

APPLY NOWAt American Express' secure website
Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.50/5
  • Your Rating:
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  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

16.24% - 20.24% Variable

$0 introductory annual fee for the first year, then $95

Excellent Credit

Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, lets you earn 30,000 bonus miles after spending $1,000 in purchases with your new Card within the first 3 months of Card Membership. You can also earn a $50 statement credit after making a Delta purchase with your new Card within this same 3-month period. Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases. Benefit from other travel perks including complimentary first checked bag on flights, priority boarding and 20% in-flight savings (in the form of statement credit) on your eligible purchases. This card has no foreign transaction fees which can help you save when traveling abroad. The annual fee will be $0 introductory annual fee for the first year, then $95. Terms and limitations apply.

Read our Gold Delta SkyMiles® Business Credit Card from American Express review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Platinum Delta SkyMiles<sup>®</sup> Business Credit Card

Platinum Delta SkyMiles® Business Credit Card

APPLY NOWAt American Express' secure website
Platinum Delta SkyMiles<sup>®</sup> Business Credit Card
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
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  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

16.24% - 20.24% Variable

$195

Excellent Credit

Platinum Delta SkyMiles® Business Credit Card lets you earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months you can also earn a $100 statement credit after you make a Delta purchase with your card within the first 3 months. Keep earning miles: Earn 2 Miles per $1 spent on purchases made directly with Delta and earn 1 mile on every eligible $1 spent on the rest of your purchases. These miles don't expire. This card also offers great perks such as free first checked bag, Priority Boarding, 20% savings on eligible in-flight purchases (in the form of a statement credit), no foreign transaction fees and more. There is a $195 annual fee. Terms and limitations apply.

Read our Platinum Delta SkyMiles® Business Credit Card review here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business
  • Our Rating:
  • Our Rating:
  • 4.20/5
  • Your Rating:
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  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

0% intro on purchases for 9 months

13.99% - 21.99% (Variable)

$0

Why we like it
  • Earn 1.5 miles per $1 on every purchase, every day.
Excellent, Good

Capital One® Spark® Miles Select for Business rewards you with 1.5 miles for every dollar you spend on purchases with your card, as well as a one-time bonus of 20,000 miles when you spend $3,000 on purchases within 3 months from account opening. With this card, you will also enjoy a 0% intro APR on purchases for 9 months, after that there is a standard 13.99% - 21.99% variable APR. The miles you earn can be redeemed for air travel, cash, gift cards, merchandise, and more. Every year you'll receive an itemized report on your spending at no additional cost. No annual fee. Read our review of Capital One® Spark® Miles Select for Business here.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

APPLY NOWAt Citi's secure website
CitiBusiness<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Mastercard<sup>®</sup>
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
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  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • Designed for businesses
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines domestic flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
APPLY NOWAt Citi's secure website

N/A

16.74% - 24.74% (Variable)

$95, waived for first 12 months*

Why we like it
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*.
Excellent, Good

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, a partner card, is especially designed for businesses with an established credit history. As a welcome offer you can earn 30,000 American Airlines AAdvantage® bonus miles after spending $1,000 in purchases within the first 3 months of opening your account. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. You will also earn 2 AAdvantage® miles per $1 spent on purchases at select car rental, telecommunications and at gas stations. Earn 1 AAdvantage® mile per $1 spent on your other purchases. Travel perks include Group 1 Boarding on American Airlines flights, first checked bag for free on domestic American Airlines flights for you and up to 4 traveling companions whose tickets have been purchased with this card and are on the same reservation. Save 25% on in-flight food and beverage purchases when using this card on American Airlines flights. The $95 annual fee (waived for the first 12 months). Read our review of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Bank of America<sup>®</sup> Business Advantage Travel Rewards World Mastercard<sup>®</sup> credit card

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Bank of America<sup>®</sup> Business Advantage Travel Rewards World Mastercard<sup>®</sup> credit card
  • Our Rating:
  • Our Rating:
  • 4.55/5
  • Your Rating:
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  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
  • Earn an unlimited base of 1.5 points for every $1 you spend on all purchases, everywhere, every time -- no matter how much you spend
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days
  • No annual fee and no international transaction fees
  • Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center - powered by Orbitz®
  • 0% Introductory APR on purchases for your first 9 billing cycles
  • Flexibility to redeem points for a statement credit to pay for your flights, hotels, vacation packages, cruises, rental cars, or baggage fees; option for cash back and gift cards

0% Introductory APR on purchases for your first 9 billing cycles

12.24% - 22.24% Variable APR on purchases and balance transfers

No annual fee

Why we like it
  • No annual fee and no international transaction fees.
  • Earn 25,000 bonus points when you spend $1,000 in the first 60 days.
Excellent

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card lets you earn 1.5 points for each $1 you spend on all purchases. You earn 3 points for every $1 that you spend on travel booked through Bank of America's Travel Center. Earn 25,000 bonus points after charging $1,000 on your account within 60 days of account opening. This card has a 0% intro APR on purchases for your first 9 billing cycles followed by 12.24% - 22.24% Variable APR on purchases and balance transfers, and also has no annual fee. Travel benefits include travel accident insurance, lost luggage reimbursement and auto rental collision coverage. Here is our review of Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.

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Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
The Business Platinum<sup>®</sup> Card from American Express OPEN

The Business Platinum® Card from American Express OPEN

APPLY NOWAt American Express' secure website
The Business Platinum<sup>®</sup> Card from American Express OPEN
  • Our Rating:
  • Our Rating:
  • 4.40/5
  • Your Rating:
Rate This Card
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

$450

Excellent Credit

The Business Platinum® Card from American Express OPEN, a GET.com advertiser, is a charge card that has an offer that lets users earn up to 75,000 Membership Rewards® points. Here's how: you'll earn 50,000 Membership Rewards points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 on qualifying purchases within your first 3 months of Card Membership. This premium card offers complimentary access to more than 1,000 airport lounges all around the world and gives users access to over 40 benefits. If you use Membership Rewards Pay with Points for all or part of an eligible fare you can get 35% of those points back (valid for up to 500,000 bonus points per calendar year). Earn 50% more Membership Rewards® points on each qualifying purchase of $5,000 or more - that's 1.5 points per $1. You can earn up to 1 million additional points. Eligible purchases under $5,000 will let you earn 1 point per dollar spent and points do not expire. Plus get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Another interesting perk is complimentary, unlimited Boingo Wi-Fi at over 1,000,000 Boingo hotspots around the globe, plus 10 Gogo inflight internet passes annually when you enroll your card with Gogo. $450 annual fee. Terms Apply. Here is our detailed review of The Business Platinum® Card from American Express OPEN.

Our Best Rewards Cards For Businesses

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
The Blue Business℠ Plus Credit Card from American Express

The Blue Business℠ Plus Credit Card from American Express

APPLY NOWAt American Express' secure website
The Blue Business℠ Plus Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.10/5
  • Your Rating:
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  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

0% on Purchases and Balance Transfers for 15 months

12.24% - 20.24% Variable

$0

Excellent, Good

The Blue Business℠ Plus Credit Card from American Express, a GET.com advertiser, is a rewards credit card that lets you earn 2X points on everyday business purchases (such as office supplies or dinners with clients), 2X points apply to the first $50,000 in purchases per year, earn 1 point per dollar after that. This card has a 0% intro APR on purchases and balance transfers for 15 months, 12.24% - 20.24% variable APR on purchases thereafter. $0 annual fee and no annual fee for each additional Employee card. Terms Apply. Here is our review of The Blue Business℠ Plus Credit Card from American Express.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
The Business Gold Rewards Card from American Express OPEN

The Business Gold Rewards Card from American Express OPEN

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The Business Gold Rewards Card from American Express OPEN
  • Our Rating:
  • Our Rating:
  • 4.30/5
  • Your Rating:
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  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A [You must pay your balance in full each month]

N/A

$0 introductory annual fee for the first year, then $175

Why we like it
  • Earn Membership Rewards® points for eligible purchases.
  • No annual fee for the first year.
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.
We least like
  • Annual fee after the first year.
Excellent Credit

The Business Gold Rewards Card from American Express OPEN, a GET.com advertiser, is a charge card that lets you earn 50,000 Membership Rewards® points after spending $5,000 in purchases on your Card within the first 3 months of Card Membership. Earn 3 points on one category of your choosing (of 5 to choose from) and 2 points on the remaining 4 categories. Each of these categories is capped at $100,000 per year. Earn 1 point on other eligible purchases. There is a $0 introductory annual fee for the first year, then $175. No foreign transaction fees. Terms & limitations apply. Read our detailed review of The Business Gold Rewards Card from American Express OPEN here.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
Business Green Rewards Card from American Express OPEN

Business Green Rewards Card from American Express OPEN

APPLY NOWAt American Express' secure website
Business Green Rewards Card from American Express OPEN
  • Our Rating:
  • Our Rating:
  • 3.50/5
  • Your Rating:
Rate This Card
  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees
APPLY NOWAt American Express' secure website

N/A

N/A

$0 introductory annual fee for the first year, then $95

Excellent Credit

Business Green Rewards Card from American Express OPEN, a GET.com advertiser, is a business charge card that lets you earn 5,000 Membership Rewards® points after your first purchase with this Card. When you book on the American Express Travel website you can earn double Membership Rewards® points for each dollar of eligible purchases. You will earn 1 Membership Rewards® point for every dollar you spend on other eligible purchases. You can redeem your points toward merchandise, gift cards, entertainment, and more. There is a $0 introductory annual fee for the first year, then $95. Terms and limitations apply. Read our review of Business Green Rewards Card from American Express OPEN.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
The Plum Card<sup>®</sup> from American Express OPEN

The Plum Card® from American Express OPEN

APPLY NOWAt American Express' secure website
The Plum Card<sup>®</sup> from American Express OPEN
  • Our Rating:
  • Our Rating:
  • 3.50/5
  • Your Rating:
Rate This Card
  • No Foreign Transaction Fees.
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees
Terms Apply
APPLY NOWAt American Express' secure website

N/A

N/A

Introductory annual fee of $0 for the first year, then $250

Why we like it
  • No Foreign Transaction Fees.
  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
We least like
  • Annual fee after the first year.
Excellent Credit

The Plum Card® from American Express OPEN, a GET.com advertiser, is a charge card that gives you flexibility when making your monthly payments. With this card you can enjoy up to 60 days to make your payments without interest, or you can get a 1.5% discount for paying early - or both each month. No foreign transaction fees. Introductory annual fee of $0 for the first year, then $250. No annual fee for employee cards. Terms and restrictions apply.

Read our review of The Plum Card® from American Express OPEN.

Business Credit Card Tips

If you own a small business, we recommend that you carry more than one business credit card so as to maximize the potential of each one for the overall benefit of the business. For example, you can consider having one card with 0% APR offer or a low interest rate for carrying balances, and a second card for expenditures that you will repay fully at the end of each month.

This strategy allows you to make full use of the cash back or rewards features of your small business credit card, and you can earn up to 5% cash rebates on business-related spending, such as office supplies or gas.

Over the long-term, business credit cards can help your small business build a credit history with business credit bureaus so that your business will have a credit history of its own, instead of being linked to your personal credit history.

Business Credit Card Benefits

A business credit card is a card that you use for your business rather than your personal finances. If you use a business credit card for all your business spending, you will benefit from accurate accounts of business spending in the form of card statements. That makes it much easier to keep your accounts.

Today business credit cards and charge cards offer most of the same benefits that you get with your personal credit cards. Plus, many business cards also offer special tools and services that can save your business time and money.

For example, some business cards provide employee cards at no additional cost. Some also provide custom, itemized reports of your spending (a big plus at tax time), and let you securely download your purchase records into multiple formats (like Quicken, QuickBooks and Excel), which makes accounting a whole lot easier.

Types of Business Credit Cards

Business Cash Back Credit Cards

Using a business credit card that lets you earn cash back on purchases is a fuss-free way to save on business expenses. When you make a purchase using a card like this, you earn cash back (normally a certain percentage of each purchase).

Depending on which card you use, you can redeem your cash back as cash checks, statement credits, deposits into a bank account, or even for gift cards, merchandise or travel.


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

APPLY NOWAt American Express' secure website
SimplyCash<sup>®</sup> Plus Business Credit Card from American Express
  • Our Rating:
  • Our Rating:
  • 4.60/5
  • Your Rating:
Rate This Card
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
Terms Apply
APPLY NOWAt American Express' secure website

0% on Purchases for 9 months

13.24% - 20.24% Variable

$0

Excellent Credit

Business Rewards Credit Cards

Earning points that you can redeem through a rewards program could be a good fit for your business, if a particular rewards program includes offers that can help you save on business expenses.

Most good rewards programs offer a lot of flexibility in the way you can earn and redeem points. In some cases the merchandise or services that you can redeem points for may offer better value than what you would get if you paid for those things in cash.

Business rewards cards like The Business Gold Rewards Card from American Express OPEN, a GET.com advertiser, comes with extensive rewards programs that can help you get better value for the rewards you earn.

Business Airline Miles Credit Cards

If you or your employees travel a lot on business, then a miles credit card could save you money. You earn miles or similar travel rewards when you make purchases, and you can then redeem these miles towards travel.

Some miles cards like Gold Delta SkyMiles® Business Credit Card from American Express, a GET.com advertiser, and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® let you earn actual frequent flyer miles that you can redeem directly through your frequent flyer program.

Other miles cards like Capital One® Spark® Miles Select for Business give you miles that translate into a certain amount of cash value that can be redeemed towards travel purchases.

Hotel Credit Cards For Businesses

These cards can be a real saver if you take a lot of business trips and stay at hotels. Many large hotel groups have their own hotel credit cards for businesses. These let you earn rewards on purchases which you can then redeem for hotel accommodation.

Starwood Preferred Guest® Business Credit Card from American Express, a GET.com advertiser, is an example of a business credit card that lets you earn hotel rewards. Cards like this usually give you special privileges when you stay at their hotels.

How we rate business credit cards and charge cards

At GET.com, we conduct rigorous research into the terms and conditions behind each card benefit. With our business credit card/charge card ratings, we strive to present an accurate gauge of a card's benefits in relation to its fees. We also take into account the overall flexibility of card benefits and their appeal to a broad range of card users. For example, a hotel or airline card may provide excellent benefits for customers of a certain hotel group or airline, but may not have many benefits for non-customers.

Charges that we take into account are the annual fee, foreign transaction fees, cash advance fees, late payment fees and over-limit fees, purchase and balance transfer APR, penalty APR and ATM charges. The scope of the payments network and the issuer's ATM network is also taken into account. Benefits we look for include bonus offers, how rewards are earned and redeemed, introductory APR periods, travel privileges, accounting tools, mobile business apps, employee cards, insurance coverage and unique benefits.