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
Cash Back BonusCapital One® Spark® Cash for Business
Travel BonusCapital One® Spark® Miles for Business
Cash BackCapital One® Spark® Cash Select for Business
TravelCapital One® Spark® Miles Select for Business
Fair CreditCapital One® Spark® Classic for Business
Low InterestBank of America® Platinum Plus® Mastercard® Business card

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 likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Capital One® Spark® Cash for Business lets you earn a limited time offer of up to $2,000 in cash bonuses: a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of your 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. 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 likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Limited Time Offer: Earn up to 200,000 bonus miles worth up to $2,000 to spend on travel—flights, hotels and more
  • Earn 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that

N/A

18.74% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

Capital One® Spark® Miles for Business lets you earn a limited time bonus of 50,000 miles after you spend at least $5,000 on purchases within 3 months from account opening and 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening. This card lets you earn miles fast, as you will earn unlimited 2 miles per dollar spent on every purchase. 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 likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees

0% on purchases for 9 months

14.74% - 22.74% (Variable)

$0

Why we like it
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
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. 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 (14.74% - 22.74% variable APR after).

Read our Capital One® Spark® Cash Select for Business review here.

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

Capital One® Spark® Miles Select for Business

  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Free employee cards which also earn unlimited 1.5X miles from their purchases

0% intro on purchases for 9 months

14.74% - 22.74% (Variable)

$0

Why we like it
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
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 14.74% - 22.74% 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 likeCredit RequiredRelated links
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business

Capital One® Spark® Classic for Business

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

24.74% (Variable)

$0

Why we like it
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.
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 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.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Platinum Plus<sup>®</sup> Mastercard<sup>®</sup> Business card

Bank of America® Platinum Plus® Mastercard® Business card

APPLY NOWAt Bank of America's secure website
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
APPLY NOWAt Bank of America's secure website

0% Introductory APR on purchases for the first 7 billing cycles

11.74% - 22.74% Variable APR

No annual fee

Excellent

Bank of America® Platinum Plus® Mastercard® Business card is a visa business card with a welcome offer of a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening. Employee cards come at no additional cost and you can set their credit limits. No annual fee.

Read our review of Bank of America® Platinum Plus® Mastercard® Business card here.

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.