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 ForCredit Card
RewardsCapital One® Spark® Cash for Business
TravelCapital One® Spark® Miles for Business

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:

  1. Zero Liability For Fraudulent Transactions

    This is a big perk because business credit cards do not legally receive the same $50 maximum liability for fraudulent transactions that consumer credit cards have.

    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.

  2. Visa SavingsEdge®

    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.

  3. 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.

  4. Purchase Security

    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 credit cards for small businesses with outstanding benefits:

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
  • Your Rating:
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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; $95 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; $95 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 now comes with a one-time $500 cash bonus after you spend $4,500 on purchases within 3 months from account opening. This card has $0 intro annual fee for the first year, $95 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.

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
  • Your Rating:
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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; $95 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; $95 after that

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

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 from account opening. 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, $95 after that.

Find out more in our Capital One® Spark® Miles for Business review.

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
  • Your Rating:
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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 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 from account opening. 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 (13.99% - 21.99% variable APR after).

Read our Capital One® Spark® Cash Select for Business 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 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 from account opening. 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 13.99% - 21.99% 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.

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

Capital One® Spark® Classic for Business

Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business
  • Our Rating:
  • Our Rating:
  • 3.70/5
  • Your Rating:
Rate This Card
  • Earn 1% cash back on every purchase, every day.
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

23.99% (Variable)

$0

Why we like it
  • Earn 1% cash back on every purchase, every day.
Average, Fair, Limited

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.

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.