Visa runs one of the largest payment networks in the world. You can use a Visa credit card to pay for purchases at millions of merchants. Over 1.8 million ATMs in more than 200 countries and territories worldwide insure easy access to cash advances.
GET.com's Best Business Visa Credit Cards
|Best For||Credit Card|
|Rewards||Capital One® Spark® Cash for Business|
|Travel||Capital One® Spark® Miles for Business|
Below you will find our best rated Visa credit cards for small businesses:
Capital One® Spark® Cash for Business
Capital One® Spark® Miles for Business
Capital One® Spark® Cash Select for Business
Capital One® Spark® Miles Select for Business
U.S. Bank Business Edge™ Select Rewards
Capital One® Spark® Classic for Business
U.S. Bank Business Edge™ Platinum
What Do Visa Business Cards Offer?
Visa business credit cards come with some standard benefits that can help your business save money. To find out if your Visa business card has these benefits, make sure to check with your issuer. Here are some of the top benefits:
Zero Liability For Fraudulent Transactions
If you find a fraudulent transaction on your card statement, make sure to report it within 60 days. Zero liability can mean the difference between prosperity and bankruptcy, and I recommend you never use a business credit card that doesn't include this benefit.
You can enroll your eligible Visa business card in Visa SavingsEdge. This program lets you get discounts at a lot of popular retailers (stores, hotels, restaurants) just by using your Visa card to pay for your purchases at participating merchants. Your savings will appear as credits on future account statements, automatically.
Primary Auto Rental Collision Damage Waiver
If you travel a lot or rent vehicles for small deliveries, then this benefit can save you a lot of money on auto rental insurance. Most private passenger vehicles, mini-vans and SUVs are eligible.
Be sure to make the auto rental payments using your business Visa credit card, and decline the car rental company's liability waiver.
The purchases you make with your Visa business card will be covered against theft or damage for 90 days from the time of purchase. You can claim up to $10,000 per incident, and a benefit administrator will decide whether the purchase will be reimbursed, repaired, or replaced. This coverage extends up to a total combined maximum of $50,000.00 for all claims you make. Some things you purchase with your card will not be covered, including vehicles, aircraft, boats, computer software, livestock, items being transported by a delivery service (or other common carrier) and items purchased for resale. There are a lot of other exclusions, which serve to turn what could be a big benefit into a minor perk.
If you are looking for a Visa business credit card that offers much more than just the basic Visa perks, consider getting one of our best rated Visa business credit cards with outstanding benefits:
Capital One® Spark® Cash for Business now comes with a one-time $500 cash bonus after you spend $4,500 on purchases within 3 months of approval. This card has $0 intro annual fee for the first year, $59 after that. It lets you earn 2% cash back on every purchase, every day. You can earn unlimited cash rewards and they don't expire. You can download spending reports in popular formats like Quicken®, Excel® and QuickBooks™. This card has no foreign transaction fees.
Read our Capital One® Spark® Cash for Business review for more information.
Capital One® Spark® Miles for Business lets you earn a one-time bonus of 50,000 miles, after you spend at least $4,500 on purchases within 3 months of approval. This card lets you earn miles fast, as you will earn 2 miles per dollar spent on every purchase, every day. There is no limit to the number of miles you can earn, and miles do not expire. Miles can be redeemed towards travel, and even for cash back or gift cards. This card has a $0 intro annual fee for the first year, $59 after that.
Find out more in our Capital One® Spark® Miles for Business review.
Capital One® Spark® Cash Select for Business has a $0 annual fee and lets you earn 1.5% cash back on every purchase, every day of the year. You earn a one-time $200 cash bonus after making $3,000 of purchases within 3 months of approval. You can redeem cash rewards for any amount, any time. Cash rewards are unlimited and do not expire. Benefit from a 0% intro APR on purchases for 9 months (13.49% - 21.49% variable APR after).
Read our Capital One® Spark® Cash Select for Business review here.
Capital One® Spark® Miles Select for Business has no annual fee and lets you earn 1.5 miles for each $1 spent on purchases with this card. You get a one-time bonus of 20,000 miles, after you spend $3,000 on purchases with your new card within 3 months of approval. This is a good card if you need capital for big investments, as you will enjoy 0% intro APR on purchases for 9 months. After the intro APR period, there is a standard 13.49% - 21.49% variable APR. This Visa card from Capital One has no foreign transaction fees.
Read our review of Capital One® Spark® Miles Select for Business here.
U.S. Bank Business Edge™ Select Rewards is a good card to get if you want to enjoy 0% intro APR on purchases for 9 billing cycles (12.74% - 18.74% variable APR after). This card lets you earn 10,000 bonus points after you spend just $500 in net purchases in the first 90 days after opening your account. You earn 3 points per dollar on net purchases in 1 category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment. So this card gives you a lot of flexibility in choosing how you earn rewards. You earn 1 point per $1 for all other net purchases charged to this card. The points you earn are unlimited and there are no earning caps. This card has no annual fee.
Read our U.S. Bank Business Edge™ Select Rewards review for more info.
Capital One® Spark® Classic for Business is a credit card that lets you access Spark business benefits like complimentary employee cards and detailed year-end reports, even if you only have fair credit. Earn 1% cash back on every purchase, every day and pay a $0 annual fee. Not bad at all for a credit card you can get with fair credit. Other perks include no foreign transaction fees and fraud coverage if your card is lost or stolen.
Read our review of Capital One® Spark® Classic for Business for more information.
U.S. Bank Business Edge™ Platinum is a good card to get if you need to transfer a balance. You get 0% intro APR on purchases and balance transfers for 12 billing cycles, after which the standard 10.74% - 18.74% variable APR applies. Benefit from free employee cards and no annual fee.
How We Rate Visa Credit Cards For Businesses
The GET.com staff rates business credit cards based on business-specific benefits like accounting tools, business apps and other unique benefits. We also evaluate the type and amount of rewards that you can earn with each card, as well as redemption flexibility.
The benefits that we take into account include bonus offers, intro APR periods, travel privileges, employee cards, insurance and more.
We weigh the rewards and benefits of each card against its fees and charges, including the standard APR, annual fee, late payment fees, and ATM fees, among others.
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