Business Credit Cards

My credit isand I'm looking

A business credit card is geared to build a credit history for a business not an individual. In this case, credit scores of a company and its owners are separated and have no impact on each other. Business credit cards may also have rewards programs in business expense categories such as travel, dining or office supply. We help you estimate profit you may get with each card based on your business expenses and credit score. Compare the best offers and apply for the most cost-effective credit card for your business.

Blue Business℠ Plus Credit Card photo
Blue Business℠ Plus Credit Card
No annual fee0% APR for 15 mos
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
3.8%
with limits
$0
$0
$2,736
We estimate as
  • Card Details
  • Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 with no category restrictions; 1X points on purchases thereafter. Terms Apply.
  • No Annual Fee.
  • 0.0% introductory APR on purchases and balance transfers for 15 months, then 11.99%, 15.99% or 19.99%, Variable.
  • The expanded buying power above your credit limit gives you the freedom to tackle business needs as they come up.
  • Customer Service and 24/7 support.
  • Pros
  • Membership Rewards® points on everyday business purchases
  • No Annual Fee
  • 0.0% introductory APR on purchases and balance transfers for 15 months
  • Customer Service and 24/7 support
  • Cons
  • Has interest charges
  • Has foreign transaction fees
Starwood Preferred Guest® Business Credit Card from American Express photo
Starwood Preferred Guest® Business Credit Card from American Express
Apply NowOn American Express bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
2.7%
Points per $1 on all purchases per $ spent
$95
waived first year
$675
25,000 points
$2,429
We estimate as
  • Card Details
  • Earn 25,000 bonus Starpoints® after you use your Card to make $5,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees.
  • Earn up to 5 Starpoints for each $1 of eligible purchases at participating SPG® hotels - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member.
  • Earn 2 Starpoints for every $1 of eligible purchases on the Card at participating Marriott Rewards® hotels.
  • Earn 1 Starpoint for all other purchases. Terms Apply.
  • Redeem Starpoints for free nightsat over 1,300 hotels and resorts in over 100 countries with no blackout dates. Terms Apply.
  • Receive a 5,000 Starpoint® bonus when you transfer 20,000 Starpoints to a participating frequent flyer program. Terms Apply.
  • $0 annual fee for the first year, then $95.
  • Access to Sheraton Club Lounge
  • Pros
  • High rewards rate
  • No foreign transaction fees
  • $0 annual fee for the first year
  • Cons
  • Has interest charges
United MileagePlus® Explorer Business card photo
United MileagePlus® Explorer Business card
Apply NowOn Chase bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.5%
+ up to 2 miles per $1 spent
$95
waived first year
$750
50,000 miles
$2,072
We estimate as
  • Card Details
  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • Earn 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores.
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases. Terms Apply.
  • Receive 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year.
  • No miles expiration as long as your credit card account is open, with no limit to the number of miles you can earn.
  • The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • Free first checked bag – a savings of up to $100 per roundtrip.
  • Employee cards let you set individual spend limits and help you earn rewards faster.
  • No foreign transaction fees.
  • Travel & purchase coverage.
  • Pros
  • Sign-up bonus
  • 2X miles on purchases in select categories
  • Employee cards at no additional cost
  • No foreign transaction fees
  • Priority boarding
  • Cons
  • $0 intro annual fee for the first year, then $95
CitiBusiness® / AAdvantage® Platinum Select® card photo
CitiBusiness® / AAdvantage® Platinum Select® card
Apply NowOn Citi bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
1.4%
+ up to 2 miles per $1 spent
$95
waived first year
$840
60,000 miles
$1,960
We estimate as
  • Card Details
  • Earn 60,000 American Airlines AAdvantage® bonus miles after spending $3,000 in purchases within the first 3 months of account opening.
  • Earn Double Miles on all eligible American Airlines purchases and on purchases in select business categories.
  • Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases and on purchases at telecommunications, car rental merchants and at gas stations.
  • Earn 1 mile for every $1 spent on other purchases.
  • No Foreign Transaction Fees.
  • Preferred boarding on American Airlines domestic flights.
  • Receive employee cards at no additional cost plus, earn AAdvantage® miles for purchases made on employee cards and set a unique credit limit for each employee.
  • Receive a 25% savings on eligible inflight food and beverage purchases when you use your card on American Airlines flights.
  • First checked bag is free.
  • Travel & Purchase protection.
  • Pros
  • Sign-up bonus
  • High rewards rate
  • No Foreign Transaction Fees
  • Travel & Purchase protection
  • Cons
  • $0 Annual Membership Fee for 12 months, $95 thereafter
Capital One® Spark® Cash photo
Capital One® Spark® Cash
Apply NowOn Capital One bank's secure website
Rewards Rate
Annual fee
Estimated bonus
Savings over 3yrs
2%
unlimited cash back
$59
waived first year
$500
$1,822
We estimate as
  • Card Details
  • Unlimited 2% cash back on every purchase, every day.
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Add employee cards at no additional cost, and earn all the rewards from their purchases.
  • $0 intro for the first year, $59 after that.
  • No foreign transaction fees.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone.
  • Visa® Business Benefits.
  • Pros
  • No Foreign Transaction Fees
  • Unlimited Rewards
  • Sign-up bonus
  • Cons