Business Credit Card Marketplace

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The Blue Business® Plus Credit Card from American Express

BEST FOR:

Pocketing 2x points per $1 and 0% introductory APR for 12 months

Apply Now

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

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Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

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American Express® Business Gold Card

BEST FOR:

Maximizing rewards in the two categories where you spend the most

Apply Now

on American Express® Business Gold Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee of $295
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

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Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee of $295
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

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The Business Platinum Card® from American Express

BEST FOR:

Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access

Apply Now

on The Business Platinum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Premium travel rewards
Free access to more than 1,300 airport lounges worldwide
No foreign transaction fees

Cons

Balance is due in full monthly
High annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
Rental status: Elite status at a number of car rental agencies.
Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

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Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Premium travel rewards
Free access to more than 1,300 airport lounges worldwide
No foreign transaction fees

Cons

Balance is due in full monthly
High annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
Rental status: Elite status at a number of car rental agencies.
Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
Dell statement credit: Up to $400 in statement credits annually for Dell purchases.

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Delta SkyMiles® Platinum Business American Express Card

BEST FOR:

Frequent Delta flyers who want to access premium business Delta features

Apply Now

on Delta SkyMiles® Platinum Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Limited Time Offer: Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the Miles you earn towards flights.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 annual fee
No interest-free financing period
Balance transfers aren’t allowed

Delta benefits: Receive your first checked bag for free and access priority boarding.
Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.

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Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Limited Time Offer: Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the Miles you earn towards flights.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 annual fee
No interest-free financing period
Balance transfers aren’t allowed

Delta benefits: Receive your first checked bag for free and access priority boarding.
Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.

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Delta SkyMiles® Gold Business American Express Card

BEST FOR:

Delta Air Lines flyers and earning rewards outside of Delta purchases

Apply Now

on Delta SkyMiles® Gold Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

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Delta SkyMiles® Reserve Business American Express Card

BEST FOR:

Unlocking the ultimate Delta travel experience

Apply Now

on Delta SkyMiles® Reserve Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
Free checked baggage: Receive free checked baggage for you and eight guests.
Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.

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Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
Free checked baggage: Receive free checked baggage for you and eight guests.
Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.

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The Hilton Honors American Express Business Card

BEST FOR:

Maximizing rewards on Hilton-related purchases

Apply Now

on The Hilton Honors American Express Business Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Pros

Charges a low annual fee
Doesn’t have foreign transaction fees
Offers a sign-up bonus

Cons

Has poor redemption options outside of hotel stays
Lacks an interest-free financing option

Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.

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Review

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Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Pros

Charges a low annual fee
Doesn’t have foreign transaction fees
Offers a sign-up bonus

Cons

Has poor redemption options outside of hotel stays
Lacks an interest-free financing option

Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.

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Lowe’s Business Rewards Card from American Express

BEST FOR:

Accessing discounts and rewards at Lowe’s

Apply Now

On American Express's Secure Website

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

Note: The information related to the Lowe's Business Rewards Card from American Express has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

No annual fee
5% off at Lowe’s
$100 statement credit signup bonus

Cons

No 0% introductory APR period
Balance transfers aren't allowed
Low cash back rewards at Lowe's after introductory period

Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment p[program.
Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.

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Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

Note: The information related to the Lowe's Business Rewards Card from American Express has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

No annual fee
5% off at Lowe’s
$100 statement credit signup bonus

Cons

No 0% introductory APR period
Balance transfers aren't allowed
Low cash back rewards at Lowe's after introductory period

Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment p[program.
Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.

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Business Green Rewards Card from American Express

BEST FOR:

Employee expense management solutions

Learn More

Intro APR

N/A

Regular APR

19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)

Annual Fee

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

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
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

Note: The information related to the Business Green Rewards Card from American Express has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

Flexible spending limit
Option to pay over time
Bonus rewards

Cons

No cash advances or balance transfers
No zero foreign transaction fee
No introductory 0% APR offer

Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.

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Intro APR

N/A

Regular APR

19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)

Annual Fee

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

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
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

Note: The information related to the Business Green Rewards Card from American Express has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

Flexible spending limit
Option to pay over time
Bonus rewards

Cons

No cash advances or balance transfers
No zero foreign transaction fee
No introductory 0% APR offer

Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.

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Amazon Business American Express Card

BEST FOR:

3% back or 60-day repayment terms

Apply Now

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.

Cons

Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.

Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year

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Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.

Cons

Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.

Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year

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Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

Apply Now

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

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Review

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Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

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Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash for Business

BEST FOR:

Earning unlimited 2% cash back

Apply Now

on Capital One® Spark® Cash for Business's secure website.

Intro APR

N/A

Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 after you spend $4,500 within the first three months
2% cash back on every purchase
Issue employee cards for free

Pros

No limit to the amount of rewards you can earn
Lucrative welcome offer

Cons

Lacks a 0% APR offer
Annual fee is only waived for 12 months

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Intro APR

N/A

Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 after you spend $4,500 within the first three months
2% cash back on every purchase
Issue employee cards for free

Pros

No limit to the amount of rewards you can earn
Lucrative welcome offer

Cons

Lacks a 0% APR offer
Annual fee is only waived for 12 months

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Capital One® Spark® Cash Select for Business

BEST FOR:

Businesses that spend less than $19,000 annually

Apply Now

on Capital One® Spark® Cash Select for Business's secure website.

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 after you spend $3,000 within the first three months
1.5% cash back on every purchase
Issue employee cards for free

Pros

No annual fee
Ability to finance purchases with 0% APR for nine months

Cons

0% APR doesn’t apply to balance transfers
Can’t redeem rewards for travel or transfer to a travel partner

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 after you spend $3,000 within the first three months
1.5% cash back on every purchase
Issue employee cards for free

Pros

No annual fee
Ability to finance purchases with 0% APR for nine months

Cons

0% APR doesn’t apply to balance transfers
Can’t redeem rewards for travel or transfer to a travel partner

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Capital One® Spark® Miles for Business

BEST FOR:

Unlimited 2x miles with every swipe

Apply Now

on Capital One® Spark® Miles for Business's secure website.

Intro APR

N/A

Regular APR

25.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
$100 credit for Global Entry or TSA Pre✓
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® or Global Entry application fee credit

Cons

You’ll pay an annual fee after the first year
Doesn’t offer interest-free financing

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

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Intro APR

N/A

Regular APR

25.74% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
$100 credit for Global Entry or TSA Pre✓
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® or Global Entry application fee credit

Cons

You’ll pay an annual fee after the first year
Doesn’t offer interest-free financing

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA PreCheck® once every four years.
Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

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Capital One® Spark® Miles Select for Business

BEST FOR:

Travel rewards and annual spending less than $19,000

Apply Now

https://www.capitalone.com/small-business/credit-cards/spark-miles-select/

Intro APR

0% on purchases

Regular APR

17.99% to 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 in travel after you spend $3,000 within the first three months
1.5x miles per $1 spent
5x miles on hotel and rental car bookings through the issuer
Issue employee cards for free

Pros

No foreign transaction fees
Interest-free financing on purchases

Cons

No 0% APR balance transfer offer
Limited list of airline partners

Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

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Intro APR

0% on purchases

Regular APR

17.99% to 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

Introductory reward worth $200 in travel after you spend $3,000 within the first three months
1.5x miles per $1 spent
5x miles on hotel and rental car bookings through the issuer
Issue employee cards for free

Pros

No foreign transaction fees
Interest-free financing on purchases

Cons

No 0% APR balance transfer offer
Limited list of airline partners

Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

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Capital One® Spark® Classic for Business

BEST FOR:

Those with fair credit

Apply Now

on Capital One® Spark® Classic for Business's secure website.

Intro APR

N/A

Regular APR

29.99% (Variable)

Annual Fee

Credit Needed

Fair

1% cash back every time you swipe
Build your business credit through responsible usage
Issue employee cards for free

Pros

Opportunity to build business credit
Only requires fair credit to qualify
Doesn’t charge annual and balance transfer fees

Cons

Charges high ongoing APR
Has no 0% introductory APR
No sign-up bonus

Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
$0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.

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Review

Intro APR

N/A

Regular APR

29.99% (Variable)

Annual Fee

Credit Needed

Fair

1% cash back every time you swipe
Build your business credit through responsible usage
Issue employee cards for free

Pros

Opportunity to build business credit
Only requires fair credit to qualify
Doesn’t charge annual and balance transfer fees

Cons

Charges high ongoing APR
Has no 0% introductory APR
No sign-up bonus

Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
$0 fraud liability: if your card is either lost or stolen, you can get an emergency replacement and cash advance.
Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.

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Capital One® Platinum Secured

BEST FOR:

Rebuilding your personal credit

Learn More

On Capital One's Secure Website

Intro APR

N/A

Regular APR

29.74% Variable

Annual Fee

None

Credit Needed

N/A

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the three major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide

Pros

Doesn’t charge annual fees
Requires only a minimum security deposit of $49 to get a credit line of $200
Offers installments for the security deposit
Reports to the three major credit bureaus and helps build your credit

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Requires a bank account to qualify
Has no rewards for new and existing cardholders

Review credit score via CreditWise®: Capital One offers unlimited access to CreditWise®, which lets you track your credit score in real time. Available for iOS and Android users, it will give you credit reports from TransUnion® or Experian® and personalized suggestions to help improve your credit score.
$0 fraud liability: You won’t be held responsible for unauthorized charges if your card is lost or stolen.
Emergency card replacement: If your card is lost or stolen, you can get an emergency replacement card.
Account alerts via Eno: You can receive an alert if Capital One detects a potential mistake or unexpected charge, such as a potential duplicate purchase or a recurring bill increase.

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Review

Intro APR

N/A

Regular APR

29.74% Variable

Annual Fee

None

Credit Needed

N/A

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the three major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide

Pros

Doesn’t charge annual fees
Requires only a minimum security deposit of $49 to get a credit line of $200
Offers installments for the security deposit
Reports to the three major credit bureaus and helps build your credit

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Requires a bank account to qualify
Has no rewards for new and existing cardholders

Review credit score via CreditWise®: Capital One offers unlimited access to CreditWise®, which lets you track your credit score in real time. Available for iOS and Android users, it will give you credit reports from TransUnion® or Experian® and personalized suggestions to help improve your credit score.
$0 fraud liability: You won’t be held responsible for unauthorized charges if your card is lost or stolen.
Emergency card replacement: If your card is lost or stolen, you can get an emergency replacement card.
Account alerts via Eno: You can receive an alert if Capital One detects a potential mistake or unexpected charge, such as a potential duplicate purchase or a recurring bill increase.

Read Full Review

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

BEST FOR:

Those wanting to earn 3% cash back in a spending category of your choice

Apply Now

on Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card's secure website.

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Offers flexible redemption options
Doesn’t charge annual fees
With sign-up bonus

Cons

Premium cash back rewards are capped on a selected spending category
Charges foreign transaction fees
Short introductory APR period

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.

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Review

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
No annual fee
Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Offers flexible redemption options
Doesn’t charge annual fees
With sign-up bonus

Cons

Premium cash back rewards are capped on a selected spending category
Charges foreign transaction fees
Short introductory APR period

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.

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

BEST FOR:

Earning top rewards on travel purchases booked through Bank of America Travel Center

Apply Now

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

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Review

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
No limit to the amount of points you can earn and points don't expire.
You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
No annual fee and no international transaction fees.
Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

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Alaska Airlines Visa® Business credit card

BEST FOR:

Those who fly with Alaska Airlines frequently

Apply Now

on Alaska Airlines Visa® Business credit card's secure website.

Intro APR

N/A

Regular APR

20.74% to 28.74% Variable APR on purchases

Annual Fee

$75 for the company and $25 per card

Credit Needed

Excellent

Get 50,000 bonus miles plus a $100 statement credit plus Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That's right, each year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
50% off Alaska Lounge day passes and 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card.
Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at more than 400,000 properties using Alaska Airline Hotels.
Earn unlimited miles and travel with no blackout dates and no international transaction fees.
Enjoy many money-saving benefits, 800-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Has no penalty APR

Cons

Doesn’t have a 0% introductory APR period on purchases and balance transfers
Charges annual fees
Requires excellent credit

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.

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Review

Intro APR

N/A

Regular APR

20.74% to 28.74% Variable APR on purchases

Annual Fee

$75 for the company and $25 per card

Credit Needed

Excellent

Get 50,000 bonus miles plus a $100 statement credit plus Alaska's Famous Companion Fare™ from $122 ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
Get Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That's right, each year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
50% off Alaska Lounge day passes and 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card.
Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at more than 400,000 properties using Alaska Airline Hotels.
Earn unlimited miles and travel with no blackout dates and no international transaction fees.
Enjoy many money-saving benefits, 800-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Has no penalty APR

Cons

Doesn’t have a 0% introductory APR period on purchases and balance transfers
Charges annual fees
Requires excellent credit

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.

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Exchange Bank Visa® Business Cash Preferred Card

BEST FOR:

Those with existing checking accounts with Exchange Bank wanting to earn rewards

Apply Now

On Exchange Bank's Secure Website

Intro APR

Regular APR

18.99% to 27.99% variable

Annual Fee

Credit Needed

Good to Excellent

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

With sign-up bonus
Does not charge annual fees
With a 0% introductory annual percentage rate (APR) on purchases and balance transfers

Cons

Exchange Bank is only located in 28 branches across the state of California
Introductory APR is short as compared to other small business credit cards

Online reporting with spend analysis: You can access a free online reporting tool to review your credit card expenses on a monthly, quarterly, annual, or year-to-date basis.
Travel and emergency assistance services: Call Visa’s 24/7 Benefit Administrator at (800) 992-6029 to use its services in emergencies.
Free employee cards: You can add employee cards at no additional cost, allowing you to earn more rewards from employee spending. Plus, you can monitor employee expenses through the free online tool.

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Review

Intro APR

Regular APR

18.99% to 27.99% variable

Annual Fee

Credit Needed

Good to Excellent

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

With sign-up bonus
Does not charge annual fees
With a 0% introductory annual percentage rate (APR) on purchases and balance transfers

Cons

Exchange Bank is only located in 28 branches across the state of California
Introductory APR is short as compared to other small business credit cards

Online reporting with spend analysis: You can access a free online reporting tool to review your credit card expenses on a monthly, quarterly, annual, or year-to-date basis.
Travel and emergency assistance services: Call Visa’s 24/7 Benefit Administrator at (800) 992-6029 to use its services in emergencies.
Free employee cards: You can add employee cards at no additional cost, allowing you to earn more rewards from employee spending. Plus, you can monitor employee expenses through the free online tool.

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BBVA Compass Visa® Business Rewards Credit Card

BEST FOR:

Business owners who live in the Sun Belt region

Apply Now

On BBVA's Secure Website

Intro APR

0% on purchases

Regular APR

9.24% to 23.24% Variable

Annual Fee

Credit Needed

Average - Excellent

No annual fee
Earn 1 point for every $1 in purchases
Earn 1 additional point for every $1 you spend on qualifying gas, office supply, telephone, and insurance purchases with Bonus CompassPoints
Build Your Own Rewards® with CompassPoints® Online account services
Employee cards at no additional cost

Pros

Offers cheap introductory financing
Pays excellent rewards you typically don’t see on cards for fair credit

Cons

Eligibility is limited
Reward redemption options are limited

Free employee cards: Add employee cards to your account at no additional cost. You can set individual spending limits for each employee.
Visa® SavingsEdge: Enroll with Visa SavingsEdge and save up to 15% at participating merchants.
Car rental insurance: If you rent a car with your card, you’ll be covered with collision, damage, and loss insurance.

Intro APR

0% on purchases

Regular APR

9.24% to 23.24% Variable

Annual Fee

Credit Needed

Average - Excellent

No annual fee
Earn 1 point for every $1 in purchases
Earn 1 additional point for every $1 you spend on qualifying gas, office supply, telephone, and insurance purchases with Bonus CompassPoints
Build Your Own Rewards® with CompassPoints® Online account services
Employee cards at no additional cost

Pros

Offers cheap introductory financing
Pays excellent rewards you typically don’t see on cards for fair credit

Cons

Eligibility is limited
Reward redemption options are limited

Free employee cards: Add employee cards to your account at no additional cost. You can set individual spending limits for each employee.
Visa® SavingsEdge: Enroll with Visa SavingsEdge and save up to 15% at participating merchants.
Car rental insurance: If you rent a car with your card, you’ll be covered with collision, damage, and loss insurance.

CitiBusiness® AAdvantage® Platinum Select® World Mastercard® New

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

BEST FOR:

Frequent American Airlines flyers wanting premium airline perks

Apply Now

on Citi's Secure Website

Intro APR

N/A

Regular APR

20.74% to 29.74% variable

Annual Fee

$99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Does not charge foreign transaction fees
Premium travel perks with American Airlines
With signup bonus

Cons

No 0% introductory APR
Requires Excellent credit score to qualify
Balance transfers are not allowed
Annual fee in the second year

Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel 1) after spending $30,000 or more in purchases each calendar year and 2) when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.

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Review

Intro APR

N/A

Regular APR

20.74% to 29.74% variable

Annual Fee

$99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Does not charge foreign transaction fees
Premium travel perks with American Airlines
With signup bonus

Cons

No 0% introductory APR
Requires Excellent credit score to qualify
Balance transfers are not allowed
Annual fee in the second year

Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel 1) after spending $30,000 or more in purchases each calendar year and 2) when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.

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First National Bank of Omaha Business Edition® Secured Mastercard® Card

BEST FOR:

Secured credit lines of as much as $100,000

Apply Now

On First National Bank of Omaha's Secure Website

Intro APR

None

Regular APR

25.49% Variable

Annual Fee

$39

Credit Needed

Very Poor to Good

While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.

Pros

Available for those with very poor to good scores
Can set credit limits between $2,000 and $100,000
Offers free management reports

Cons

With annual fee
Charges foreign transaction fee
No introductory and ongoing rewards
Requires a security deposit of 110% of the credit limit required

TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.

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Review

Intro APR

None

Regular APR

25.49% Variable

Annual Fee

$39

Credit Needed

Very Poor to Good

While FNBO does not offer any rewards for their new and existing cardholders for this card, you can still earn rewards through Mastercard Easy Savings®, where cardholders are able to save on purchases with automatic rebates from over 40,000 participating merchant locations available.

Pros

Available for those with very poor to good scores
Can set credit limits between $2,000 and $100,000
Offers free management reports

Cons

With annual fee
Charges foreign transaction fee
No introductory and ongoing rewards
Requires a security deposit of 110% of the credit limit required

TurboTax discount: Get a discount of up to $20 on TurboTax federal products when using First National Bank of Omaha Business Edition® Secured Mastercard®.
QuickBooks Online or QuickBooks Self-Employed discount: Receive either a 30% off of a 12-month subscription on QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or a 30% off of a 12-month subscription on QuickBooks Self-Employed. This is applicable only to new QuickBooks Online customers.
Free management reports: First National Bank of Omaha provides free management reports to help track expenses, monitor spending, note tax deductions, prepare tax filings, and predict costs easily.
Zero liability: FNBO guarantees that you won’t be held responsible for any fraudulent charges made with both your card and account information.

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Discover it® Secured

BEST FOR:

Business owners who need help rebuilding credit

Apply Now

On Discover's Secure Website

Intro APR

N/A

Regular APR

27.99% variable

Annual Fee

Credit Needed

N/A

No annual fee, earn cash back, and build your credit with responsible use.
It's a real credit card. You can build a credit history with the three major credit bureaus: Equifax, Experian, and TransUnion.
Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at eight months to see if we can transition you to an unsecured line of credit and return your deposit.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
We match all the cash back you've earned at the end of your first year automatically.
Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.

Pros

With cash back rewards for new and existing cardholders
Does not charge annual fees
Offers automatic monthly account review

Cons

No 0% APR period on purchases and balance transfers
High ongoing APR

Updated FICO credit scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
Data privacy: Remove personal information from selected people-search sites that may sell your data.
Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card

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Review

Intro APR

N/A

Regular APR

27.99% variable

Annual Fee

Credit Needed

N/A

No annual fee, earn cash back, and build your credit with responsible use.
It's a real credit card. You can build a credit history with the three major credit bureaus: Equifax, Experian, and TransUnion.
Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at eight months to see if we can transition you to an unsecured line of credit and return your deposit.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
We match all the cash back you've earned at the end of your first year automatically.
Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.

Pros

With cash back rewards for new and existing cardholders
Does not charge annual fees
Offers automatic monthly account review

Cons

No 0% APR period on purchases and balance transfers
High ongoing APR

Updated FICO credit scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
Data privacy: Remove personal information from selected people-search sites that may sell your data.
Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card

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Brex Business Card

BEST FOR:

No personal guarantee required

Apply Now

On Brex's Secure Website

Intro APR

N/A

Regular APR

N/A

Annual Fee

Credit Needed

Poor to Excellent

No personal liability or security deposit needed―no credit score impact
Earn points on spend with industry-leading multipliers: 7x on rideshare, 5x on Brex Travel, 4x on restaurants, 3x on software subscriptions, and 1x on the rest
Easy, online application―get a virtual card in 5 minutes or less and a physical card in the mail shortly thereafter
Embedded expense management software―never save receipts again and integrate with all major accounting software
No foreign transaction fees
Build business credit―Brex partners with Experian to report your on-time payments

Pros

No additional fees
Sign up bonus

Cons

Requires a Brex Cash account
Bonus rewards are not as extensive compared to other cards

Protection against fraudulent transactions
Expense tracking that makes sure you are able to match receipts automatically, close books in half the time, and root out excess spending
Discounts on software such as QuickBooks, AWS, and others.

Read Full
Review

Intro APR

N/A

Regular APR

N/A

Annual Fee

Credit Needed

Poor to Excellent

No personal liability or security deposit needed―no credit score impact
Earn points on spend with industry-leading multipliers: 7x on rideshare, 5x on Brex Travel, 4x on restaurants, 3x on software subscriptions, and 1x on the rest
Easy, online application―get a virtual card in 5 minutes or less and a physical card in the mail shortly thereafter
Embedded expense management software―never save receipts again and integrate with all major accounting software
No foreign transaction fees
Build business credit―Brex partners with Experian to report your on-time payments

Pros

No additional fees
Sign up bonus

Cons

Requires a Brex Cash account
Bonus rewards are not as extensive compared to other cards

Protection against fraudulent transactions
Expense tracking that makes sure you are able to match receipts automatically, close books in half the time, and root out excess spending
Discounts on software such as QuickBooks, AWS, and others.

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76® Universal Fuel Card

BEST FOR:

Earning up to 7 cents per gallon

Apply Now

on 76® Universal Fuel Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

not disclosed—call (888) 309-0095 for info

Credit Needed

N/A

Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).

Pros

Accepted at 95% of US gas stations
24/7 roadside assistance and 24/7 customer service
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card but a charge card, so the balance is due in full each billing cycle
Rebates only available at 76®, Conoco®, and Phillips 66® locations

Unique driver IDs help prevent unauthorized purchases
Manage spending by card or driver
Restrict card use to times of day or days of week
Limit card use by product type, location, or amount
Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon

Intro APR

N/A

Regular APR

N/A

Annual Fee

not disclosed—call (888) 309-0095 for info

Credit Needed

N/A

Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).

Pros

Accepted at 95% of US gas stations
24/7 roadside assistance and 24/7 customer service
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card but a charge card, so the balance is due in full each billing cycle
Rebates only available at 76®, Conoco®, and Phillips 66® locations

Unique driver IDs help prevent unauthorized purchases
Manage spending by card or driver
Restrict card use to times of day or days of week
Limit card use by product type, location, or amount
Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3-cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4-cent discount per gallon
- 5,000 to 6,999 monthly gallons: 5-cent discount per gallon
- 7,000 to 9,999 monthly gallons: 6-cent discount per gallon
- 10,000 or more monthly gallons: 7-cent discount per gallon

AAdvantage® Aviator® World Elite Business Mastercard®

BEST FOR:

Business owners that frequently fly American Airlines

Apply Now

On Barclays's Secure Website

Intro APR

N/A

Regular APR

20.74% or 29.74% variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Consolidated way of earning Loyalty Points
Doesn’t charge any foreign transaction fees
With signup bonus

Cons

Doesn’t offer 0% introductory APR
Can only obtain rewards by flying with American Airlines and its partner airlines
With annual fee

First free checked bag: Get one free checked bag for you and up to four companions.
Companion certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
Preferred boarding: You and up to four companions can board before economy boarding.
In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.

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Review

Intro APR

N/A

Regular APR

20.74% or 29.74% variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Consolidated way of earning Loyalty Points
Doesn’t charge any foreign transaction fees
With signup bonus

Cons

Doesn’t offer 0% introductory APR
Can only obtain rewards by flying with American Airlines and its partner airlines
With annual fee

First free checked bag: Get one free checked bag for you and up to four companions.
Companion certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
Preferred boarding: You and up to four companions can board before economy boarding.
In-flight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.

Read Full Review

Affinity FCU Business FirstSM Visa® Credit Card

BEST FOR:

Those with active Affinity Plus FCU business checking accounts

Apply Now

on Affinity FCU Business FirstSM Visa® Credit Card's secure website.

Intro APR

N/A

Regular APR

Starting at 12.75% variable

Annual Fee

Credit Needed

Earn 5,000 initial bonus points with your first purchase
Earn up to 6x bonus points when you shop on Affinity FCU's rewards website.
With Affinity Visa Secure, cardholders receive an extra layer of protection when shopping online
Reports to the three major credit bureaus: Equifax, Experian, and TransUnion

Pros

No annual fee
Provides maximum points rewards for cardholders
Reports to multiple credit bureaus

Cons

No interest-free financing scheme
Limited branches
Charges foreign transaction fees

Fraud protection: Monitor accounts in real-time
Visa SavingsEdge discount: Receive special discounts on qualifying purchases
Emergency cash/card replacement: Get an emergency/replacement card, such as if you have lost your card

Read Full
Review

Intro APR

N/A

Regular APR

Starting at 12.75% variable

Annual Fee

Credit Needed

Earn 5,000 initial bonus points with your first purchase
Earn up to 6x bonus points when you shop on Affinity FCU's rewards website.
With Affinity Visa Secure, cardholders receive an extra layer of protection when shopping online
Reports to the three major credit bureaus: Equifax, Experian, and TransUnion

Pros

No annual fee
Provides maximum points rewards for cardholders
Reports to multiple credit bureaus

Cons

No interest-free financing scheme
Limited branches
Charges foreign transaction fees

Fraud protection: Monitor accounts in real-time
Visa SavingsEdge discount: Receive special discounts on qualifying purchases
Emergency cash/card replacement: Get an emergency/replacement card, such as if you have lost your card

Read Full Review

Apply Now

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

See Rates & Fees

Amazon Business Prime American Express Card

Overview
Card Details

Apply Now

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

See Rates & Fees

Amazon Prime Rewards Visa Signature Card

BEST FOR:

Those with Amazon Prime who were not qualified for an Amazon Business Credit Card

Apply Now

On Amazon's Secure Website

Intro APR

N/A

Regular APR

18.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good - Excellent

Get a $50 Amazon.com Gift Card instantly upon credit card approval
5% Back at Amazon.com and Whole Foods Market
2% Back at restaurants, gas stations, and drugstores
1% back on all purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lucrative cash back rewards on Amazon and Whole Foods

Cons

No 0% introductory APR on purchases and balance transfers
Requires you to have Amazon Prime prior to application, which costs $139 annually
High balance transfer fee
Rewards aren’t as extensive compared to its Amazon business credit card counterpart

Travel and emergency assistance
Lost luggage reimbursement
Baggage delay insurance
Travel accident insurance

Intro APR

N/A

Regular APR

18.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good - Excellent

Get a $50 Amazon.com Gift Card instantly upon credit card approval
5% Back at Amazon.com and Whole Foods Market
2% Back at restaurants, gas stations, and drugstores
1% back on all purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lucrative cash back rewards on Amazon and Whole Foods

Cons

No 0% introductory APR on purchases and balance transfers
Requires you to have Amazon Prime prior to application, which costs $139 annually
High balance transfer fee
Rewards aren’t as extensive compared to its Amazon business credit card counterpart

Travel and emergency assistance
Lost luggage reimbursement
Baggage delay insurance
Travel accident insurance

Amazon Rewards Visa Signature Card

BEST FOR:

Those without Amazon Prime who weren’t qualified for an Amazon Business Credit Card

Apply Now

On Amazon's Secure Website

Intro APR

N/A

Regular APR

18.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good - Excellent

3% cash back on purchases made at Amazon and Whole Foods Market
2% Back at U.S. restaurants, gas stations, and drugstores
1% Back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lucrative cash back rewards on Amazon and Whole Foods

Cons

No 0% introductory APR on purchases and balance transfers
High balance transfer fee
Rewards aren’t as extensive compared to its Amazon business credit card counterpart

Travel and emergency assistance
Lost luggage reimbursement
Baggage delay insurance
Travel accident insurance

Intro APR

N/A

Regular APR

18.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good - Excellent

3% cash back on purchases made at Amazon and Whole Foods Market
2% Back at U.S. restaurants, gas stations, and drugstores
1% Back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lucrative cash back rewards on Amazon and Whole Foods

Cons

No 0% introductory APR on purchases and balance transfers
High balance transfer fee
Rewards aren’t as extensive compared to its Amazon business credit card counterpart

Travel and emergency assistance
Lost luggage reimbursement
Baggage delay insurance
Travel accident insurance

American Express Blue Business Cash™ Card

Overview
Card Details

Apply Now

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

See Rates & Fees

American Express Blue Business Cash™ Card

BEST FOR:

Those who want better cash back rewards

Apply Now

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

Read Full
Review

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, 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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

Read Full Review

See Rates & Fees

American Express® Business Gold Card

Overview
Card Details

Apply Now

on American Express® Business Gold Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

See Rates
& Fees

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

See Rates & Fees

Arco® Business Solutions Mastercard®

BEST FOR:

Those who fuel up at ARCO Gas Stations

Apply Now

on Arco® Business Solutions Mastercard®'s secure website.

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Associated Bank Visa® Business Cash Preferred Credit Card

BEST FOR:

Those who frequently travel

Apply Now

on Associated Bank Visa® Business Cash Preferred Credit Card's secure website.

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With intro APR on purchases and balance transfers
Earn unlimited rewards
No annual fee

Cons

Short intro APR duration vs other cards
Need to redeem cards within 5 years

Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
Extended warranty & purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.

Read Full
Review

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With intro APR on purchases and balance transfers
Earn unlimited rewards
No annual fee

Cons

Short intro APR duration vs other cards
Need to redeem cards within 5 years

Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
Extended warranty & purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.

Read Full Review

Associated Bank Visa® Business Platinum Credit Card

BEST FOR:

Those with an existing business checking account with Associated Bank that needs to carry a balance

Apply Now

on Associated Bank Visa® Business Platinum Credit Card's secure website.

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

Introductory 0.00% APR for the first 18 billing cycles on purchases. and balance transfers.

Pros

With a long 0% introductory APR period on purchases and balance transfers
Does not charge annual fees
Low minimum ongoing APR

Cons

No rewards for both new and existing cardholders
No introductory balance transfer fee

Auto rental collision damage waiver: To be eligible, you need to charge your car rental to this card. You can decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
Purchase protection: This covers your new purchases for 90 days in case they’re damaged or stolen.
Billing options: You can request to receive a consolidated central monthly bill for the whole company, individual bills for each card member, or a central bill with a memo statement.
Employee cards: You can track expenses made by your employees while earning as many rewards as possible at no additional cost.
Employee misuse protection: Receive protection against terminated employees’ misuse of up to $100,000.

Read Full
Review

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

Introductory 0.00% APR for the first 18 billing cycles on purchases. and balance transfers.

Pros

With a long 0% introductory APR period on purchases and balance transfers
Does not charge annual fees
Low minimum ongoing APR

Cons

No rewards for both new and existing cardholders
No introductory balance transfer fee

Auto rental collision damage waiver: To be eligible, you need to charge your car rental to this card. You can decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
Purchase protection: This covers your new purchases for 90 days in case they’re damaged or stolen.
Billing options: You can request to receive a consolidated central monthly bill for the whole company, individual bills for each card member, or a central bill with a memo statement.
Employee cards: You can track expenses made by your employees while earning as many rewards as possible at no additional cost.
Employee misuse protection: Receive protection against terminated employees’ misuse of up to $100,000.

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Associated Bank Visa® Business Real Rewards Card

BEST FOR:

Those who prefer unlimited fixed-rate rewards

Apply Now

on Associated Bank Visa® Business Real Rewards Card's secure website.

Intro APR

Regular APR

18.99% to 27.99% variable

Annual Fee

None

Credit Needed

Good

2,500 bonus rewards Points awarded after first purchase
Earn 1.5 points for every eligible net $1 you spend

Pros

Has rewards for new and existing cardholders
With 0% introductory APR on purchases and balance transfers
Does not charge annual fees

Cons

With high penalty interest rates
Rewards expire within 5 years
0% introductory APR is shor vs. other cards’ introductory rates

Online Reporting with Spend Analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
Fraud Protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
Travel & Emergency Assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.

Read Full
Review

Intro APR

Regular APR

18.99% to 27.99% variable

Annual Fee

None

Credit Needed

Good

2,500 bonus rewards Points awarded after first purchase
Earn 1.5 points for every eligible net $1 you spend

Pros

Has rewards for new and existing cardholders
With 0% introductory APR on purchases and balance transfers
Does not charge annual fees

Cons

With high penalty interest rates
Rewards expire within 5 years
0% introductory APR is shor vs. other cards’ introductory rates

Online Reporting with Spend Analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
Fraud Protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
Travel & Emergency Assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.

Read Full Review

Banc of California Business Platinum Mastercard®

BEST FOR:

Those looking to finance a large purchase or transfer a balance

Apply Now

on Banc of California Business Platinum Mastercard®'s secure website.

Intro APR

0% introductory APR for the first 20 billing cycles

Regular APR

15.74% to 24.74% variable

Annual Fee

None

Credit Needed

Good to excellent

Access to expense management tools to help you organize and track your overall spending.
No annual fee

Pros

Low ongoing APR
Offers a long introductory APR on both purchases and balance transfers
Doesn’t charge annual fees

Cons

Doesn’t offer any rewards for their new and existing cardholders
No introductory balance transfers

Management benefits: Banc of California can help you build your credit history in no time and protect you against terminated employees’ misuse of either up to $100,000 for companies with more than five cardmembers or up to $25,000 per cardmember for companies with two to four cardmembers.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity
MasterRental insurance coverage: Mastercard pays for physical damage and theft to most rental vehicles of up to $50,000.
Mastercard global service: Provides worldwide 24-hour assistance on lost and stolen cards, emergency card replacement, and emergency cash advance

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Review

Intro APR

0% introductory APR for the first 20 billing cycles

Regular APR

15.74% to 24.74% variable

Annual Fee

None

Credit Needed

Good to excellent

Access to expense management tools to help you organize and track your overall spending.
No annual fee

Pros

Low ongoing APR
Offers a long introductory APR on both purchases and balance transfers
Doesn’t charge annual fees

Cons

Doesn’t offer any rewards for their new and existing cardholders
No introductory balance transfers

Management benefits: Banc of California can help you build your credit history in no time and protect you against terminated employees’ misuse of either up to $100,000 for companies with more than five cardmembers or up to $25,000 per cardmember for companies with two to four cardmembers.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity
MasterRental insurance coverage: Mastercard pays for physical damage and theft to most rental vehicles of up to $50,000.
Mastercard global service: Provides worldwide 24-hour assistance on lost and stolen cards, emergency card replacement, and emergency cash advance

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Banc of California Mastercard® Business Cash Preferred Card

BEST FOR:

Those who prefer to earn cash back rewards and are paying for software subscriptions

Apply Now

on Banc of California Mastercard® Business Cash Preferred Card's secure website.

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

$25 cash back bonus after making your first purchase
3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
1% cash back on all other eligible purchases, with no caps or limits on the points you can earn
$100 annual software credit after using your card to pay software subscriptions for 11 consecutive months

Pros

Comes with a signup bonus worth $25 after making your first purchase
Doesn’t charge annual fees
Can earn unlimited rewards, with no caps or limits on the points you can earn

Cons

Offers short 0% APR period vs other business credit cards
Rewards expire within five years

Online reporting with spend analysis: Offers a free online tool that lets business owners review their credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account and notifying you of any unusual card activity.
MasterRental insurance coverage: This coverage pays up to $50,000 if an eligible rental vehicle is damaged or stolen.
Management benefits: Include protection against terminated employees’ misuse of up to $100,000 for companies with more than five card members or up to $25,000 per card member for companies with two to four card members.

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Review

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

$25 cash back bonus after making your first purchase
3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
1% cash back on all other eligible purchases, with no caps or limits on the points you can earn
$100 annual software credit after using your card to pay software subscriptions for 11 consecutive months

Pros

Comes with a signup bonus worth $25 after making your first purchase
Doesn’t charge annual fees
Can earn unlimited rewards, with no caps or limits on the points you can earn

Cons

Offers short 0% APR period vs other business credit cards
Rewards expire within five years

Online reporting with spend analysis: Offers a free online tool that lets business owners review their credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account and notifying you of any unusual card activity.
MasterRental insurance coverage: This coverage pays up to $50,000 if an eligible rental vehicle is damaged or stolen.
Management benefits: Include protection against terminated employees’ misuse of up to $100,000 for companies with more than five card members or up to $25,000 per card member for companies with two to four card members.

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

BEST FOR:

Those with an existing business checking account with Bank of America

Apply Now

on Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card's secure website.

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases.
No annual cap and cash rewards don’t expire.
No annual fee.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Doesn’t charge annual fees
Flexible redemption options
With sign-up bonus
With 0% introductory APR on purchases

Cons

0% introductory APR isn’t applicable to balance transfers
With foreign transaction fees

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.

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Review

Intro APR

0%
9 billing cycles

Regular APR

18.24% - 28.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases.
No annual cap and cash rewards don’t expire.
No annual fee.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Doesn’t charge annual fees
Flexible redemption options
With sign-up bonus
With 0% introductory APR on purchases

Cons

0% introductory APR isn’t applicable to balance transfers
With foreign transaction fees

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Balance Connect®: This helps prevent declined purchases, returned checks, or other overdrafts when you link your Bank of America® Business Advantage Unlimited Cash Rewards to a Bank of America business checking account for overdraft protection.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.

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Bank of America® Platinum Plus® Mastercard® Business card

BEST FOR:

Low-interest credit card for business purchases

Apply Now

On Bank of America's Secure Website

Intro APR

0%
7 billing cycles

Regular APR

16.24% - 27.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.24% to 27.24% will apply.
Get employee cards at no additional cost to you and with credit limits you set.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Low ongoing APR
0% introductory APR
No annual fee
Sign-up bonus of $300

Cons

No ongoing rewards
0% APR excludes balance transfers
No-interest period is shorter than other cards

Zero liability protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
Balance Connect for overdraft protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
Free access to business credit score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.

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Review

Intro APR

0%
7 billing cycles

Regular APR

16.24% - 27.24% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.24% to 27.24% will apply.
Get employee cards at no additional cost to you and with credit limits you set.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Low ongoing APR
0% introductory APR
No annual fee
Sign-up bonus of $300

Cons

No ongoing rewards
0% APR excludes balance transfers
No-interest period is shorter than other cards

Zero liability protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
Balance Connect for overdraft protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
Free access to business credit score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.

Read Full Review

Bank of Oklahoma Visa® Business Cash Preferred Card

BEST FOR:

Those with existing business savings or checking accounts with Bank of Oklahoma

Apply Now

on Bank of Oklahoma Visa® Business Cash Preferred Card's secure website.

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online Reporting with Spend Analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud Protection & Zero Fraud Liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto Rental Collision Damage Waiver Insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel & Emergency Assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

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Review

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online Reporting with Spend Analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud Protection & Zero Fraud Liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto Rental Collision Damage Waiver Insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel & Emergency Assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

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Bank of Oklahoma Visa® Business Real Rewards Credit Card

BEST FOR:

Those who prefer fixed-rate rewards

Apply Now

on Bank of Oklahoma Visa® Business Real Rewards Credit Card's secure website.

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 cash back on all other eligible purchases, with no caps or limits on the points you can earn

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online reporting with spend analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel and emergency assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

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Review

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 cash back on all other eligible purchases, with no caps or limits on the points you can earn

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online reporting with spend analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel and emergency assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

Read Full Review

Bank of the West Business Mastercard®

Apply Now

on Bank of the West Business Mastercard®'s secure website.

Intro APR

0% for 12 months

Regular APR

Prime + 8.74%

Annual Fee

Credit Needed

Good to Excellent

Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program

Pros

No annual fee
0% APR on both purchases and balance transfers
Mobile wallet compatibility

Cons

No sign up bonus
No ongoing rewards

Unlimited, free cards for employees
QuickBooks™ and Quicken® integration
Up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
Mobile wallet compatibility
Zero Liability Protection, Master Car Rental Insurance, Mastercard Global Emergency Services, Mastercard ID Theft Protection

Intro APR

0% for 12 months

Regular APR

Prime + 8.74%

Annual Fee

Credit Needed

Good to Excellent

Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program

Pros

No annual fee
0% APR on both purchases and balance transfers
Mobile wallet compatibility

Cons

No sign up bonus
No ongoing rewards

Unlimited, free cards for employees
QuickBooks™ and Quicken® integration
Up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings® Program
Mobile wallet compatibility
Zero Liability Protection, Master Car Rental Insurance, Mastercard Global Emergency Services, Mastercard ID Theft Protection

Bank of the West Business Rewards Mastercard®

BEST FOR:

Those based in the Western part of the country

Apply Now

on Bank of the West Business Rewards Mastercard®'s secure website.

Intro APR

0% for 12 months

Regular APR

Prime + 8.74% variable

Annual Fee

Credit Needed

Good, Excellent

Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
2X Points for every dollar spent on everyday qualifying purchases
Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®

Pros

No annual fees
0% introductory APR
Access via mobile app

Cons

Charges foreign transaction fees
Branches are only available in 19 states

Zelle®: This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
Zero liability protection: Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
Automatic alerts: You can receive automatic text messages to inform you of your credit card activities

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Review

Intro APR

0% for 12 months

Regular APR

Prime + 8.74% variable

Annual Fee

Credit Needed

Good, Excellent

Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
2X Points for every dollar spent on everyday qualifying purchases
Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®

Pros

No annual fees
0% introductory APR
Access via mobile app

Cons

Charges foreign transaction fees
Branches are only available in 19 states

Zelle®: This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
Zero liability protection: Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
Automatic alerts: You can receive automatic text messages to inform you of your credit card activities

Read Full Review

BBVA Compass Secured Visa® Business Credit Card

BEST FOR:

Business that operate out of Southern or Southwestern states

Apply Now

On BBVA's Secure Website

Intro APR

N/A

Regular APR

18.49% Variable

Annual Fee

$40 (Waived First Year)

Credit Needed

N/A

Low $40 annual fee waived the first year
Available credit is 90% of your savings account balance
Earn 1 point for every $1 in purchases, plus get 3x points at office supply stores and 2x points at gas stations and restaurants
Online account services
Employee cards at no additional cost

Pros

No personal credit check required
Annual fee is waived for the first 12 months

Cons

Only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Your available credit will be 90% of your security deposit balance

Purchase protection: BBVA Compass will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Travel accident insurance: You’ll receive coverage up to $500,000 for travel accidents when transportation is purchased with your business credit card.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your BBVA Compass Secured Visa® Business Card Rewards card.

Intro APR

N/A

Regular APR

18.49% Variable

Annual Fee

$40 (Waived First Year)

Credit Needed

N/A

Low $40 annual fee waived the first year
Available credit is 90% of your savings account balance
Earn 1 point for every $1 in purchases, plus get 3x points at office supply stores and 2x points at gas stations and restaurants
Online account services
Employee cards at no additional cost

Pros

No personal credit check required
Annual fee is waived for the first 12 months

Cons

Only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Your available credit will be 90% of your security deposit balance

Purchase protection: BBVA Compass will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Travel accident insurance: You’ll receive coverage up to $500,000 for travel accidents when transportation is purchased with your business credit card.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your BBVA Compass Secured Visa® Business Card Rewards card.

Bento for Business Visa® Debit Card

BEST FOR:

Managing employee expenses without a credit check to qualify

Apply Now

on Bento for Business Visa® Debit Card's secure website.

Number Of Cards

Unlimited

Monthly Cost

$29-149 monthly

Daily Load Limit

None

Daily Spend Limit

$25,000

Instant decision
No credit check required
One-click card controls and expense reports

Pros

Can create multiple cards
Manage employee expenses easily
Additional card features and purchase protections

Cons

Monthly fee applies after two-month free trial
Deposited funds are required
Won’t help build business or personal credit

Auto rental collision damage waiver: Use this card to pay for your entire auto rental transaction and get collision coverage for a damaged or stolen rental vehicle, up to the value of the vehicle.
Purchase protection: Purchases are covered up to 90 days for damage and theft, up to $10,000 per claim, $50,000 per year.

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Review

Number Of Cards

Unlimited

Monthly Cost

$29-149 monthly

Daily Load Limit

None

Daily Spend Limit

$25,000

Instant decision
No credit check required
One-click card controls and expense reports

Pros

Can create multiple cards
Manage employee expenses easily
Additional card features and purchase protections

Cons

Monthly fee applies after two-month free trial
Deposited funds are required
Won’t help build business or personal credit

Auto rental collision damage waiver: Use this card to pay for your entire auto rental transaction and get collision coverage for a damaged or stolen rental vehicle, up to the value of the vehicle.
Purchase protection: Purchases are covered up to 90 days for damage and theft, up to $10,000 per claim, $50,000 per year.

Read Full Review

BP Business Solutions Fuel Plus

BEST FOR:

Small to Midsized Fleets That Fuel Up at BP & Amoco Stations

Apply Now

on BP Business Solutions Fuel Plus's secure website.

Intro APR

N/A

Regular APR

WSJ Prime Rate + 14.99% to 23.99%

Annual Fee

None. Monthly membership fee is $12, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.

Pros

Rebates on gas purchases at BP or Amoco branded locations in the US
Tax exempt reporting
Revolving and nonrevolving options available

Cons

High APR
High monthly fee
Exclusive for use at BP or Amoco branded locations only

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Intro APR

N/A

Regular APR

WSJ Prime Rate + 14.99% to 23.99%

Annual Fee

None. Monthly membership fee is $12, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Up to 6 cents with volume-based rebates fuel purchases made at participating BP or Amoco branded locations in the US.

Pros

Rebates on gas purchases at BP or Amoco branded locations in the US
Tax exempt reporting
Revolving and nonrevolving options available

Cons

High APR
High monthly fee
Exclusive for use at BP or Amoco branded locations only

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Capital On Tap Business Credit Card Visa

BEST FOR:

Those who want fixed-rate cash back rewards

Apply Now

on Capital On Tap Business Credit Card Visa's secure website.

Intro APR

Regular APR

17.74% to 35.99% variable

Annual Fee

Credit Needed

Fair, Average

Unlimited 1.5% cash back on all purchases

Pros

No annual, foreign transaction, and cash advance fees
Low starting APR
High credit limit available

Cons

Balance transfers aren’t allowed
Sole proprietors and nonprofit orgs are not eligible
Low sign-up bonus with high spending requirement

Unlimited, free cards for employees
Instant, virtual card is available right after approval
Credit limits up to $50,000
Uncapped 1.5% cash back on every purchase

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Review

Intro APR

Regular APR

17.74% to 35.99% variable

Annual Fee

Credit Needed

Fair, Average

Unlimited 1.5% cash back on all purchases

Pros

No annual, foreign transaction, and cash advance fees
Low starting APR
High credit limit available

Cons

Balance transfers aren’t allowed
Sole proprietors and nonprofit orgs are not eligible
Low sign-up bonus with high spending requirement

Unlimited, free cards for employees
Instant, virtual card is available right after approval
Credit limits up to $50,000
Uncapped 1.5% cash back on every purchase

Read Full Review

Capital One CLUB Business Mastercard®

BEST FOR:

Those who are owners of outdoor sports businesses

Apply Now

on Capital One CLUB Business Mastercard®'s secure website.

Intro APR

N/A

Regular APR

7.99% on purchases made at Bass Pro Shops and Cabela's; and 19.99%, 22.99%, or 31.74% (variable) on other purchases and transfers

Annual Fee

None

Credit Needed

5% back in CLUB points at Bass Pro Shops and Cabela’s
2.5% back in CLUB points at participating Cenex® convenience stores
1.5% back in CLUB points on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
With sign-up bonus

Cons

Has no 0% introductory APR
With high cash advance and penalty APR’s
Limited redemption options

Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
$0 fraud liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.

Read Full
Review

Intro APR

N/A

Regular APR

7.99% on purchases made at Bass Pro Shops and Cabela's; and 19.99%, 22.99%, or 31.74% (variable) on other purchases and transfers

Annual Fee

None

Credit Needed

5% back in CLUB points at Bass Pro Shops and Cabela’s
2.5% back in CLUB points at participating Cenex® convenience stores
1.5% back in CLUB points on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lower APR and premium rewards on purchases made at Bass Pro Shops and Cabela’s
With sign-up bonus

Cons

Has no 0% introductory APR
With high cash advance and penalty APR’s
Limited redemption options

Payment flexibility: You can choose your preferred monthly due date, letting you control when you want to pay your pending bills.
Employee cards: Track employee spending by setting customized spending limits and monitoring transactions the moment they are posted.
Purchase records: You can quickly secure and download purchase records in multiple formats — including Quicken®, QuickBooks®, and Excel®.
$0 fraud liability: You won’t be held responsible for unauthorized charges if either your card’s or employees’ cards are either lost or stolen.

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Capital One® Spark® Cash Plus Card

BEST FOR:

Businesses that want purchasing power and can pay their balances in full every month

Apply Now

On Capital One's Secure Website

Intro APR

None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.

Regular APR

None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.

Annual Fee

$150

Credit Needed

Excellent

Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
Get 2% cash back on all business-related purchases without limits or category restrictions.
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.

Pros

Does not have preset spending limits
With introductory bonus
Offers unlimited 2% cash back on all purchases

Cons

Charges annual fee
Requires you to pay in full each month
Requires excellent credit to qualify

Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
$0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
Extended warranty: Get free additional warranty and protection on selected items purchased with your card
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.

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Review

Intro APR

None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.

Regular APR

None, as all charges that will be made on this account are due and payable in full after receiving your periodic statement.

Annual Fee

$150

Credit Needed

Excellent

Earn up to $1,000 in the first six months after opening an account—$500 after you spend $5,000 in the first three months and $500 after you spend $50,000 in the first six months.
Get 2% cash back on all business-related purchases without limits or category restrictions.
Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
You can earn a $200 cash bonus each year after spending a minimum of $200,000 in net purchases by your rewards membership anniversary.

Pros

Does not have preset spending limits
With introductory bonus
Offers unlimited 2% cash back on all purchases

Cons

Charges annual fee
Requires you to pay in full each month
Requires excellent credit to qualify

Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
$0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
Extended warranty: Get free additional warranty and protection on selected items purchased with your card
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.

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Capital One® Spark® Cash Select Excellent Credit

BEST FOR:

Businesses with excellent credit that want a lower ongoing APR

Apply Now

On Capital One's Secure Website

Intro APR

N/A

Regular APR

17.99%, 20.99%, or 23.99% variable

Annual Fee

None

Credit Needed

Excellent

Unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases

Pros

No annual, transfer, and foreign transaction fees
With sign-up bonus
With protection against lost or stolen cards

Cons

No interest-free financing option on both purchases and balance transfers
Needs excellent credit
May do a hard pull of your credit when at application
With high cash advance and penalty interest rates

Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards.
Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Capital One travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both

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Review

Intro APR

N/A

Regular APR

17.99%, 20.99%, or 23.99% variable

Annual Fee

None

Credit Needed

Excellent

Unlimited 5% cash back on hotels and car rentals booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases

Pros

No annual, transfer, and foreign transaction fees
With sign-up bonus
With protection against lost or stolen cards

Cons

No interest-free financing option on both purchases and balance transfers
Needs excellent credit
May do a hard pull of your credit when at application
With high cash advance and penalty interest rates

Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards.
Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Capital One travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both

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Capital One® Spark® Cash Select Good Credit

BEST FOR:

Businesses with good credit that want a 0% introductory APR and fixed 1.5% cash back rewards

Apply Now

On Capital One's Secure Website

Intro APR

Regular APR

20.74%, 25.74%, or 28.74% variable

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual, balance transfer, and foreign transaction fees
With intro 0% APR on purchases
Free employee cards

Cons

No intro 0% APR on balance transfers
No sign-up bonus for their new cardholders
With high cash advance and penalty APRs

Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®

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Review

Intro APR

Regular APR

20.74%, 25.74%, or 28.74% variable

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual, balance transfer, and foreign transaction fees
With intro 0% APR on purchases
Free employee cards

Cons

No intro 0% APR on balance transfers
No sign-up bonus for their new cardholders
With high cash advance and penalty APRs

Zero fraud liability: If your card is lost or stolen, you can get an emergency replacement and a cash advance
Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing
Free employee cards: You can track employee spending while earning all the rewards from their purchases by issuing free employee cards. In addition, you can set customized spending limits for employee cards and see transactions as soon as they post
Purchase records: You can quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®

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Charity Charge Nonprofit Business Card

BEST FOR:

Receiving exclusive vendor discounts

Apply Now

On Charity Charge's Secure Website

Intro APR

N/A

Regular APR

N/A - balance is due in full by the payment due date

Annual Fee

Credit Needed

Good - Excellent

Up to 4% rebate on hotel bookings and dining
Up to 1% rebate on fuel
5% rebate on Duns % Bradstreet
5% cashback on Microsoft advertising
10% rebate on Snapchat advertising
20% off with Dropbox

Pros

No annual fee
Automatic rebates
Mastercard benefits

Cons

Balance is due in full each month
Strict eligibility requirements

Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Purchasing Point. These include discounts on services at businesses such as FedEx and Enterprise Rent-A-Car. You can find all available vendors on the Purchasing Point’s vendor page.
No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
Extended warranty protection: Doubles the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
Purchase assurance: Replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.

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Intro APR

N/A

Regular APR

N/A - balance is due in full by the payment due date

Annual Fee

Credit Needed

Good - Excellent

Up to 4% rebate on hotel bookings and dining
Up to 1% rebate on fuel
5% rebate on Duns % Bradstreet
5% cashback on Microsoft advertising
10% rebate on Snapchat advertising
20% off with Dropbox

Pros

No annual fee
Automatic rebates
Mastercard benefits

Cons

Balance is due in full each month
Strict eligibility requirements

Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Purchasing Point. These include discounts on services at businesses such as FedEx and Enterprise Rent-A-Car. You can find all available vendors on the Purchasing Point’s vendor page.
No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
Extended warranty protection: Doubles the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
Purchase assurance: Replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.

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Chase Sapphire Preferred® Card

Apply Now

on Chase Sapphire Preferred® Card's secure website.

Intro APR

N/A

Regular APR

16.24% - 23.24% Variable

Annual Fee

$95

Credit Needed

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Pros

Doesn’t charge foreign transaction fees
Rewards are worth 25% more when you redeem them for travel

Cons

Lacks luxury travel perks like airport lounge access
Merchandise reward redemption value is low

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Purchase protection: Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Intro APR

N/A

Regular APR

16.24% - 23.24% Variable

Annual Fee

$95

Credit Needed

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

Pros

Doesn’t charge foreign transaction fees
Rewards are worth 25% more when you redeem them for travel

Cons

Lacks luxury travel perks like airport lounge access
Merchandise reward redemption value is low

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Purchase protection: Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Chase Sapphire Reserve®

BEST FOR:

Those wanting to receive exceptional travel rewards and benefits

Learn More

On Chase's Secure Website

Intro APR

N/A

Regular APR

22.24% to 29.24% variable

Annual Fee

$550, plus $75 for each authorized user

Credit Needed

Excellent

60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 are spent on travel purchases annually
10x total points on Chase dining purchases with Ultimate Rewards® after making prepaid restaurant reservations, order takeout or joining virtual cooking events
5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
3x points on other dining, including eligible delivery services, takeout and dining out
3x points on other travel worldwide after the first $300 is spent on travel purchases annually

Note: The information related to Chase Sapphire Reserve® has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

With $300 annual travel credit
Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
With complimentary airport lounge access

Cons

With high annual fee
No interest-free financing option
Needs excellent credit

Airport lounge access: Enjoy access to more than 1,300 priority pass lounges worldwide for free prior to airline travel
Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Trip cancellation and interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.

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Review

Intro APR

N/A

Regular APR

22.24% to 29.24% variable

Annual Fee

$550, plus $75 for each authorized user

Credit Needed

Excellent

60,000 bonus points (worth $900 in travel) after spending $4,000 on purchases in the first three months after opening an account
10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 are spent on travel purchases annually
10x total points on Chase dining purchases with Ultimate Rewards® after making prepaid restaurant reservations, order takeout or joining virtual cooking events
5x total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually
3x points on other dining, including eligible delivery services, takeout and dining out
3x points on other travel worldwide after the first $300 is spent on travel purchases annually

Note: The information related to Chase Sapphire Reserve® has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

With $300 annual travel credit
Lucrative rewards at 50% more when redeemed through the Chase Ultimate Rewards®
With complimentary airport lounge access

Cons

With high annual fee
No interest-free financing option
Needs excellent credit

Airport lounge access: Enjoy access to more than 1,300 priority pass lounges worldwide for free prior to airline travel
Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Trip cancellation and interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.

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Chase Slate Edge℠

BEST FOR:

Those with no business credit score

Apply Now

on Chase Slate Edge℠'s secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

20.24% - 28.99% Variable

Annual Fee

Credit Needed

Good to Excellent

Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.24% - 28.99% on balance transfers and purchases after the introductory period ends.
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Member FDIC

Pros

No annual fees
With interst-free financing option on both purchases and balance transfers
You can lower your interest rate over time

Cons

No rewards for new and existing cardholders
Intro balance fee only active for 60 days of account opening

Purchase protection: This covers your new purchases against damage or theft, up to $500 per claim and $50,000 per account, for 120 days.
Extended warranty protection: You can extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Fraud alerts and protection: Real-time fraud monitoring is enabled by Chase for possible signs of fraudulent activity.
Complimentary DashPass: Get three months of DashPass, DoorDash’s membership that provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are enrolled in DashPass automatically at 50% off for the next nine months.

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Review

Intro APR

0% Intro APR on Purchases

Regular APR

20.24% - 28.99% Variable

Annual Fee

Credit Needed

Good to Excellent

Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.24% - 28.99% on balance transfers and purchases after the introductory period ends.
Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Member FDIC

Pros

No annual fees
With interst-free financing option on both purchases and balance transfers
You can lower your interest rate over time

Cons

No rewards for new and existing cardholders
Intro balance fee only active for 60 days of account opening

Purchase protection: This covers your new purchases against damage or theft, up to $500 per claim and $50,000 per account, for 120 days.
Extended warranty protection: You can extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Fraud alerts and protection: Real-time fraud monitoring is enabled by Chase for possible signs of fraudulent activity.
Complimentary DashPass: Get three months of DashPass, DoorDash’s membership that provides unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are enrolled in DashPass automatically at 50% off for the next nine months.

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Chevron Texaco Business Access Fuel Card

BEST FOR:

Long-distance driving

Apply Now

on Chevron Texaco Business Access Fuel Card's secure website.

Intro APR

None

Regular APR

N/A

Annual Fee

not disclosed, contact (888) 531-3698 for info

Credit Needed

N/A

Save up to 6 cents per gallon at nearly 8,000 Chevron and Texaco locations

Pros

Accepted at 95% of US gas stations
24/7 customer service and 24/7 roadside assistance available
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card but a charge card, so the balance is due in full each billing cycle
Rebates only available at Chevron and Texaco locations

Discounts of up to 6 cents a gallon at nearly 8,000 Chevron and Texaco locations

500 to 2,000 monthly gallons: 1-cent rebate per gallon
2,001 to 4,000 monthly gallons: 2-cent rebate per gallon
4,001 to 6,000 monthly gallons: 3-cent rebate per gallon
6,001 to 8,000 monthly gallons: 4-cent rebate per gallon
8,001 to 10,000 monthly gallons: 5-cent rebate per gallon
10,000 or more monthly gallons: 6-cent rebate per gallon

Intro APR

None

Regular APR

N/A

Annual Fee

not disclosed, contact (888) 531-3698 for info

Credit Needed

N/A

Save up to 6 cents per gallon at nearly 8,000 Chevron and Texaco locations

Pros

Accepted at 95% of US gas stations
24/7 customer service and 24/7 roadside assistance available
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card but a charge card, so the balance is due in full each billing cycle
Rebates only available at Chevron and Texaco locations

Discounts of up to 6 cents a gallon at nearly 8,000 Chevron and Texaco locations

500 to 2,000 monthly gallons: 1-cent rebate per gallon
2,001 to 4,000 monthly gallons: 2-cent rebate per gallon
4,001 to 6,000 monthly gallons: 3-cent rebate per gallon
6,001 to 8,000 monthly gallons: 4-cent rebate per gallon
8,001 to 10,000 monthly gallons: 5-cent rebate per gallon
10,000 or more monthly gallons: 6-cent rebate per gallon

Citi Simplicity® Card

BEST FOR:

Startups who need a lengthy 0% APR period fund business expenses

Apply Now

On Citi's Secure Website

Intro APR

0% for 12 months

Regular APR

18.99% to 29.74% variable

Annual Fee

Credit Needed

Good - Excellent

Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.

Pros

One of the longest 0% APR periods available
No annual fee

Cons

No rewards for new and existing cardholders
Cannot build business credit

Flexible payment due date: You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
Mastercard® Identity Theft Protection program: If you’re a victim of identity theft, this can help you resolve the matter.
Zero liability protection: Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
No additional fees: Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.

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Review

Intro APR

0% for 12 months

Regular APR

18.99% to 29.74% variable

Annual Fee

Credit Needed

Good - Excellent

Citi Simplicity® Card doesn’t offer any rewards for their new and existing cardholders.

Pros

One of the longest 0% APR periods available
No annual fee

Cons

No rewards for new and existing cardholders
Cannot build business credit

Flexible payment due date: You can choose your preferred due date in the beginning, middle, or end of the month. In addition, you have the flexibility of paying either the full balance or just the minimum payment due every month.
Mastercard® Identity Theft Protection program: If you’re a victim of identity theft, this can help you resolve the matter.
Zero liability protection: Zero liability protects you against unauthorized charges on your account. You won’t be responsible for a charge that you didn’t authorize.
No additional fees: Citi® does not charge additional fees, such as late fees or penalty rate, on the Citi Simplicity® Card.

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CitiBusiness® / AAdvantage® Platinum Select®

Citi® / AAdvantage® Executive World Elite™ Mastercard®

BEST FOR:

American Airlines frequent flyers who want premium airport lounge access

Apply Now

On Citi's Secure Website

Intro APR

N/A

Regular APR

20.74% to 29.74% Variable

Annual Fee

$450

Credit Needed

Good to Excellent

2x miles for every dollar spent on eligible American Airlines purchases
1x mile for every dollar spent on all other purchases

Pros

With sign-up bonus
Offers comprehensive travel perks
With Admirals Club® membership

Cons

No interest-free financing option for both purchases and balance transfers
With high annual fee
Low mileage points earned as compared to other cobranded airline business credit cards

First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.

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Review

Intro APR

N/A

Regular APR

20.74% to 29.74% Variable

Annual Fee

$450

Credit Needed

Good to Excellent

2x miles for every dollar spent on eligible American Airlines purchases
1x mile for every dollar spent on all other purchases

Pros

With sign-up bonus
Offers comprehensive travel perks
With Admirals Club® membership

Cons

No interest-free financing option for both purchases and balance transfers
With high annual fee
Low mileage points earned as compared to other cobranded airline business credit cards

First checked bag free: Offers a free first checked bag on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation.
Global Entry or TSA PreCheck® application fee credit: You can receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee
Discount on inflight food and beverage: You’ll receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines.
Enhanced airport experience: Enjoy priority check-in, priority airport screening, and priority boarding privileges for you and up to eight travel companions on the same reservation.

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Citi Double Cash best personal credit cards

Citi® Double Cash Card

BEST FOR:

Extensive 0% APR period on balance transfers

Apply Now

On Citi's Secure Website

Intro APR

N/A

Regular APR

18.24% to 28.24% Variable

Annual Fee

None

Credit Needed

Good - Excellent

Get 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Plus there are no categories to track, no caps on cash back and no annual fee.

Pros

Has a 0% introductory APR on balance transfers
Offers straightforward cash back rewards
Doesn’t charge annual fees

Cons

Doesn’t offer a 0% introductory APR on purchases

24-hour fraud liability protection: Citi® alerts you if it sees unusual activity on your account. Also, you won’t be responsible for a charge you did not authorize, online or otherwise.
The Lost Wallet® service: If you lose your card, Citi® ensures to replace it within 24 hours. Also, it will provide you with emergency cash, subject to your available cash advance limit.
24/7 customer service: Citi®’s customer service representatives can assist you 24/7.
Citi Entertainment®: This offers special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, and dining experiences.

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Review

Intro APR

N/A

Regular APR

18.24% to 28.24% Variable

Annual Fee

None

Credit Needed

Good - Excellent

Get 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Plus there are no categories to track, no caps on cash back and no annual fee.

Pros

Has a 0% introductory APR on balance transfers
Offers straightforward cash back rewards
Doesn’t charge annual fees

Cons

Doesn’t offer a 0% introductory APR on purchases

24-hour fraud liability protection: Citi® alerts you if it sees unusual activity on your account. Also, you won’t be responsible for a charge you did not authorize, online or otherwise.
The Lost Wallet® service: If you lose your card, Citi® ensures to replace it within 24 hours. Also, it will provide you with emergency cash, subject to your available cash advance limit.
24/7 customer service: Citi®’s customer service representatives can assist you 24/7.
Citi Entertainment®: This offers special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, and dining experiences.

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Coast Fuel Card

BEST FOR:

Businesses with small to large fleets

Apply Now

on Coast Fuel Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None, only $2 per active user per month

Credit Needed

Good to Excellent

2 cents off per gallon on your statement
1% back on non-fuel purchases

Pros

Universally accepted fleet card
1% cash back on nonfuel purchases
Doesn’t require personal guarantee

Cons

Charges monthly fees to active users
Balance is due in full each month
Doesn’t support cash withdrawals

Customizable controls
Spend reports
Exclusive discounts from large partner networks

Read Full
Review

Intro APR

N/A

Regular APR

N/A

Annual Fee

None, only $2 per active user per month

Credit Needed

Good to Excellent

2 cents off per gallon on your statement
1% back on non-fuel purchases

Pros

Universally accepted fleet card
1% cash back on nonfuel purchases
Doesn’t require personal guarantee

Cons

Charges monthly fees to active users
Balance is due in full each month
Doesn’t support cash withdrawals

Customizable controls
Spend reports
Exclusive discounts from large partner networks

Read Full Review

Comerica Bank Mastercard® Business Credit Card

Apply Now

on Comerica Bank Mastercard® Business Credit Card's secure website.

Intro APR

0% for 18 months

Regular APR

16.49% to 25.49%

Annual Fee

Credit Needed

Excellent

Pros

No annual fee
Long 0% APR on both purchases and balance transfers
Free online reporting with Spend Analysis

Cons

No sign up bonus
No ongoing rewards
Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)

Zero Fraud Liability
MasterRental Insurance Coverage
Merchant Discounts
Mastercard Global Service
Worldwide acceptance and 24-hour cardmember service

Intro APR

0% for 18 months

Regular APR

16.49% to 25.49%

Annual Fee

Credit Needed

Excellent

Pros

No annual fee
Long 0% APR on both purchases and balance transfers
Free online reporting with Spend Analysis

Cons

No sign up bonus
No ongoing rewards
Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)

Zero Fraud Liability
MasterRental Insurance Coverage
Merchant Discounts
Mastercard Global Service
Worldwide acceptance and 24-hour cardmember service

Commerce Bank Business Rewards Card

BEST FOR:

Those with fixed large purchases

Apply Now

on Commerce Bank Business Rewards Card's secure website.

Intro APR

N/A

Regular APR

14.90% variable rate

Annual Fee

Credit Needed

Fair to Good

Earn 2X and 3X points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn
1% cash back rewards that you can redeem for airline travel, gift cards, merchandise, and more, with no limit on the number of points you can earn

Pros

Doesn’t charge annual and foreign transaction fees
Lower-than-average regular APR at 14.90% variable

Cons

Doesn’t offer rewards for new cardholders
No interest-free financing option on both purchases and balance transfers
Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado
Doesn’t offer any unique features that set it apart from the rest

Employee credit cards: Commerce Bank Business Rewards Card offers employee credit cards with an individual limit set for each employee.
Special Connections®: Cardholders with existing checking accounts with Commerce Bank can use the Special Connections® feature, allowing them to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM.
Lock your card: You can temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
Visa® Liability Waiver Program: This program offers peace of mind to its cardholders and guarantees you not be liable for unauthorized purchases or withdrawals from your account.

Read Full
Review

Intro APR

N/A

Regular APR

14.90% variable rate

Annual Fee

Credit Needed

Fair to Good

Earn 2X and 3X points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn
1% cash back rewards that you can redeem for airline travel, gift cards, merchandise, and more, with no limit on the number of points you can earn

Pros

Doesn’t charge annual and foreign transaction fees
Lower-than-average regular APR at 14.90% variable

Cons

Doesn’t offer rewards for new cardholders
No interest-free financing option on both purchases and balance transfers
Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado
Doesn’t offer any unique features that set it apart from the rest

Employee credit cards: Commerce Bank Business Rewards Card offers employee credit cards with an individual limit set for each employee.
Special Connections®: Cardholders with existing checking accounts with Commerce Bank can use the Special Connections® feature, allowing them to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM.
Lock your card: You can temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
Visa® Liability Waiver Program: This program offers peace of mind to its cardholders and guarantees you not be liable for unauthorized purchases or withdrawals from your account.

Read Full Review

Commerce Bank Visa Business Platinum Card

BEST FOR:

Those with existing Commerce Bank accounts

Apply Now

on Commerce Bank Visa Business Platinum Card's secure website.

Intro APR

N/A

Regular APR

10.90% variable

Annual Fee

Credit Needed

Good to Excellent

Our Business Platinum Card is designed to give you the ability to adapt to your ever-changing needs as a business owner.
No annual fee
Low APR and an extended grace period
Set individual credit limits for employees

Pros

Doesn’t charge annual and foreign transaction fees
Lower-than-average purchase regular APR at 10.90% variable

Cons

Doesn’t offer rewards for new and existing cardholders
No introductory APR on purchases and balance transfers
Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado

Suspicious card activity alert: Cardholders can sign up for suspicious card activity alerts
Lock your card: You can block new purchases and ATM withdrawals temporarily without interrupting existing recurring payments
Special Connections®: Cardholders with existing Commerce Bank checking accounts can take advantage of this to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM
Employee credit cards: You can get employee credit cards with an individual limit set for each
Visa® liability waiver program, which ensures cardholders that they aren’t liable for unauthorized purchases or withdrawals from their accounts

Read Full
Review

Intro APR

N/A

Regular APR

10.90% variable

Annual Fee

Credit Needed

Good to Excellent

Our Business Platinum Card is designed to give you the ability to adapt to your ever-changing needs as a business owner.
No annual fee
Low APR and an extended grace period
Set individual credit limits for employees

Pros

Doesn’t charge annual and foreign transaction fees
Lower-than-average purchase regular APR at 10.90% variable

Cons

Doesn’t offer rewards for new and existing cardholders
No introductory APR on purchases and balance transfers
Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado

Suspicious card activity alert: Cardholders can sign up for suspicious card activity alerts
Lock your card: You can block new purchases and ATM withdrawals temporarily without interrupting existing recurring payments
Special Connections®: Cardholders with existing Commerce Bank checking accounts can take advantage of this to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM
Employee credit cards: You can get employee credit cards with an individual limit set for each
Visa® liability waiver program, which ensures cardholders that they aren’t liable for unauthorized purchases or withdrawals from their accounts

Read Full Review

Community Banks of Colorado Visa® Business Cash Preferred Credit Card

BEST FOR:

Those who have existing Community Banks of Colorado savings or checking accounts

Apply Now

on Community Banks of Colorado Visa® Business Cash Preferred Credit Card's secure website.

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
Unlimited 1% cash back on all other eligible purchases
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
Offers rewards with no caps or limits on the number of rewards you can earn
Doesn’t charge annual fees

Cons

Short APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they are earned

Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card

Read Full
Review

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
Unlimited 1% cash back on all other eligible purchases
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
Offers rewards with no caps or limits on the number of rewards you can earn
Doesn’t charge annual fees

Cons

Short APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they are earned

Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card

Read Full Review

Community Banks of Colorado Visa® Business Real Rewards Credit Card

BEST FOR:

Those who prefer fixed-rate rewards

Apply Now

on Community Banks of Colorado Visa® Business Real Rewards Credit Card's secure website.

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good to Excellent

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 points for every eligible net dollar you spend

Pros

With sign-up bonus
Offers unlimited fixed rate rewards
Doesn’t charge annual fees

Cons

Short APR period on both purchases and balance transfers
Rewards expire within five years

Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card

Read Full
Review

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good to Excellent

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 points for every eligible net dollar you spend

Pros

With sign-up bonus
Offers unlimited fixed rate rewards
Doesn’t charge annual fees

Cons

Short APR period on both purchases and balance transfers
Rewards expire within five years

Management benefits: Community Banks of Colorado can help you build your credit history in no time, and be protected against terminated employees’ misuse of up to $100,000
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity.
Purchase protection: Items purchased with this card are protected against damage and theft for 90 days
Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card

Read Full Review

Connexus Credit Union Smart Business Rewards Visa Signature® Card

BEST FOR:

Those who want to maximize earned rewards

Apply Now

on Connexus Credit Union Smart Business Rewards Visa Signature® Card's secure website.

Intro APR

None

Regular APR

20.74% to 25.74% variable

Annual Fee

$95 for account owners / $0 for authorized employees

Credit Needed

Good to Excellent

Automatically earn 2X rewards points in your top 2 spend categories every month
1X rewards points on all other eligible purchases

Pros

Generous welcome offer
Multiple ways of redeeming rewards
No need to be a member of the Connexus Credit Union to apply

Cons

No interest-free financing option
With annual fees
Limited rewards
No unique features

Free employee cards: Not only will it help you keep track of employee expenses, it will let you earn as many rewards as possible.
Zero fraud liability: Connexus Credit Union ensures that you will not be held liable when your card is lost or stolen through their Zero fraud liability.
Cardmember services: Connexus Credit Union offers cardholders services 24 hours per day / 365 days a year.

Read Full
Review

Intro APR

None

Regular APR

20.74% to 25.74% variable

Annual Fee

$95 for account owners / $0 for authorized employees

Credit Needed

Good to Excellent

Automatically earn 2X rewards points in your top 2 spend categories every month
1X rewards points on all other eligible purchases

Pros

Generous welcome offer
Multiple ways of redeeming rewards
No need to be a member of the Connexus Credit Union to apply

Cons

No interest-free financing option
With annual fees
Limited rewards
No unique features

Free employee cards: Not only will it help you keep track of employee expenses, it will let you earn as many rewards as possible.
Zero fraud liability: Connexus Credit Union ensures that you will not be held liable when your card is lost or stolen through their Zero fraud liability.
Cardmember services: Connexus Credit Union offers cardholders services 24 hours per day / 365 days a year.

Read Full Review

Connexus Credit Union Visa® Business Card

BEST FOR:

Those who want purchasing power

Apply Now

on Connexus Credit Union Visa® Business Card's secure website.

Intro APR

Regular APR

16.74% to 25.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

Pros

With long interest-free financing option for purchases and balance transfers
Does not need to be a member of Connexus Credit Union to apply

Cons

No introductory and ongoing rewards
Charges high cash advance and penalty annual percentage rates (APRs)
No unique features that will make the card stand out

Zero fraud liability: Elan Financial Services provide Zero Fraud Liability for unauthorized transactions.
Free employee cards: Not only will it help you keep track of employee expenses, it will let you earn as many rewards as possible.
Online reporting tools: Connexus Credit Union lets you use its online reporting tools and view your credit card spending by category, transaction type, and transaction period, such as month, quarter, or year

Read Full
Review

Intro APR

Regular APR

16.74% to 25.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

Pros

With long interest-free financing option for purchases and balance transfers
Does not need to be a member of Connexus Credit Union to apply

Cons

No introductory and ongoing rewards
Charges high cash advance and penalty annual percentage rates (APRs)
No unique features that will make the card stand out

Zero fraud liability: Elan Financial Services provide Zero Fraud Liability for unauthorized transactions.
Free employee cards: Not only will it help you keep track of employee expenses, it will let you earn as many rewards as possible.
Online reporting tools: Connexus Credit Union lets you use its online reporting tools and view your credit card spending by category, transaction type, and transaction period, such as month, quarter, or year

Read Full Review

Connexus Credit Union Visa® Business Cash Preferred Card

BEST FOR:

On-the-go business owners

Apply Now

on Connexus Credit Union Visa® Business Cash Preferred Card's secure website.

Intro APR

Regular APR

18.74% to 27.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

3% cash back on eligible purchases made at gas stations, cell phone services, office supply stores and on dining, including takeout and food delivery service purchases
Unlimited 1% cash back on all other eligible net purchase
$100 annual software credit, and will be applied every year to your account after 11 consecutive monthly software transactions.

Pros

No annual fee
With interest-free financing option
No credit union membership needed.

Cons

High cash advance and penalty annual percentage rates (APRs)
Low rewards
Short interest-free financing option
Limited rewards

Zero fraud liability: Elan Financial Services provides zero fraud liability for unauthorized transactions
Auto rental coverage: While certain terms, conditions, and exclusions may apply, Elan Financial Services will ensure to inform you whether the auto rental coverage is needed for your business needs
Free employee cards: Not only will it help you keep track of employee expenses, but it will also let you earn as many rewards as possible
Online reporting tools: Connexus Credit Union lets you use its online reporting tools and view your credit card spending by category, transaction type, and transaction period, such as month, quarter, or year

Read Full
Review

Intro APR

Regular APR

18.74% to 27.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

3% cash back on eligible purchases made at gas stations, cell phone services, office supply stores and on dining, including takeout and food delivery service purchases
Unlimited 1% cash back on all other eligible net purchase
$100 annual software credit, and will be applied every year to your account after 11 consecutive monthly software transactions.

Pros

No annual fee
With interest-free financing option
No credit union membership needed.

Cons

High cash advance and penalty annual percentage rates (APRs)
Low rewards
Short interest-free financing option
Limited rewards

Zero fraud liability: Elan Financial Services provides zero fraud liability for unauthorized transactions
Auto rental coverage: While certain terms, conditions, and exclusions may apply, Elan Financial Services will ensure to inform you whether the auto rental coverage is needed for your business needs
Free employee cards: Not only will it help you keep track of employee expenses, but it will also let you earn as many rewards as possible
Online reporting tools: Connexus Credit Union lets you use its online reporting tools and view your credit card spending by category, transaction type, and transaction period, such as month, quarter, or year

Read Full Review

Connexus Credit Union Visa® Business Real Rewards Card

BEST FOR:

Those wanting fixed rate cash back rewards

Apply Now

on Connexus Credit Union Visa® Business Real Rewards Card's secure website.

Intro APR

Regular APR

16.24% to 25.24% variable

Annual Fee

None

Credit Needed

Good to Excellent

1.5% cash back for every dollar spent on all other eligible net purchases, with no cap on rewards.
Welcome offer: Earn 2,500 bonus rewards points after your first purchase. Note that first purchase bonus points will be applied 6 to 8 weeks after first purchase, and that this is not applicable for both balance transfers and cash advances

Pros

No annual fees
With interest-free financing option for purchases and balance transfers
Don’t need to be a member of the Connexus Credit Union to apply

Cons

With high cash advance and penalty APRs
Short duration for interest-free financing option

Zero Fraud Liability: Elan Financial Services provide Zero Fraud Liability for unauthorized transactions.
Auto rental coverage: While certain terms, conditions and exclusions may apply, Elan Financial Services will ensure to inform you whether the auto rental coverage is needed for your business needs.
Free employee cards: Not only will the use of these cards help you keep track of employee expenses, but they will also let you earn as many rewards as possible.

Read Full
Review

Intro APR

Regular APR

16.24% to 25.24% variable

Annual Fee

None

Credit Needed

Good to Excellent

1.5% cash back for every dollar spent on all other eligible net purchases, with no cap on rewards.
Welcome offer: Earn 2,500 bonus rewards points after your first purchase. Note that first purchase bonus points will be applied 6 to 8 weeks after first purchase, and that this is not applicable for both balance transfers and cash advances

Pros

No annual fees
With interest-free financing option for purchases and balance transfers
Don’t need to be a member of the Connexus Credit Union to apply

Cons

With high cash advance and penalty APRs
Short duration for interest-free financing option

Zero Fraud Liability: Elan Financial Services provide Zero Fraud Liability for unauthorized transactions.
Auto rental coverage: While certain terms, conditions and exclusions may apply, Elan Financial Services will ensure to inform you whether the auto rental coverage is needed for your business needs.
Free employee cards: Not only will the use of these cards help you keep track of employee expenses, but they will also let you earn as many rewards as possible.

Read Full Review

Costco Anywhere Visa® Business Card by Citi

BEST FOR:

Existing or new Costco members

Apply Now

On Citi's Secure Website

Intro APR

N/A

Regular APR

19.99% variable

Annual Fee

None, but you must be a Costco member to qualify

Credit Needed

Excellent

4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
3% cash back on restaurant and eligible travel purchases worldwide
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Generous cashback rewards

Cons

No 0% introductory APR period
Premium rewards are only suited to those who frequently shop at Costco
Need to secure Costco membership to qualify

Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage due to an accidental collision, theft, vandalism, and more.
Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
FICO® Scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
Citi® Concierge: Citi® Concierge gives you access to several experts that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

Read Full
Review

Intro APR

N/A

Regular APR

19.99% variable

Annual Fee

None, but you must be a Costco member to qualify

Credit Needed

Excellent

4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
3% cash back on restaurant and eligible travel purchases worldwide
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases

Pros

Doesn’t charge annual and foreign transaction fees
Generous cashback rewards

Cons

No 0% introductory APR period
Premium rewards are only suited to those who frequently shop at Costco
Need to secure Costco membership to qualify

Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage due to an accidental collision, theft, vandalism, and more.
Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
FICO® Scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
Citi® Concierge: Citi® Concierge gives you access to several experts that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.

Read Full Review

Credit Union 1 Business Visa® Platinum Credit Card

BEST FOR:

Credit Union1 members who want to maximize business purchases

Apply Now

on Credit Union 1 Business Visa® Platinum Credit Card's secure website.

Intro APR

None

Regular APR

Prime + 7.74% variable

Annual Fee

Credit Needed

Good to Excellent

Earn 1 point per dollar spent on purchases made for their business.

Pros

Low regular APR
Offers fixed rewards

Cons

No interest-free financing option
Only exclusive for Credit Union1 members
No introductory rewards
Limited features

Visa Zero Liability policy: Visa cardholders are protected from fraudulent transactions.
Fraud monitoring: Credit Union1 ensures they monitor any possible fraudulent transactions and inform their cardholders 24/7 in the event they detected one
Employee card monitoring: Cardholders can streamline spending and tracking in one place while adding authorized users into their Credit Union1 Business Visa® Platinum Credit Card

Read Full
Review

Intro APR

None

Regular APR

Prime + 7.74% variable

Annual Fee

Credit Needed

Good to Excellent

Earn 1 point per dollar spent on purchases made for their business.

Pros

Low regular APR
Offers fixed rewards

Cons

No interest-free financing option
Only exclusive for Credit Union1 members
No introductory rewards
Limited features

Visa Zero Liability policy: Visa cardholders are protected from fraudulent transactions.
Fraud monitoring: Credit Union1 ensures they monitor any possible fraudulent transactions and inform their cardholders 24/7 in the event they detected one
Employee card monitoring: Cardholders can streamline spending and tracking in one place while adding authorized users into their Credit Union1 Business Visa® Platinum Credit Card

Read Full Review

Delta SkyMiles® Gold Business American Express Card

Overview
Card Details

Apply Now

on Delta SkyMiles® Gold Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Limited Time Offer: Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

See Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Overview
Card Details

Apply Now

on Delta SkyMiles® Reserve Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Limited Time Offer: Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 8/2/23.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

See Rates & Fees

Discover it® Business Card

BEST FOR:

Earning double cash back rewards on new business expenses

Apply Now

On Discover's Secure Website

Intro APR

Regular APR

14.49% to 22.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1.5% Cash Back
Cash back Match - We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.
100% U.S. Based Customer Service
Free Employee Cards - Add employee cards with spending limits and earn rewards for all their purchases.

Pros

Double cash back on purchases on the first 12 months
0% APR on purchases

Cons

Low ongoing rewards after the first year
0% APR doesn’t cover balance transfers

Social Security alerts: You will be alerted with free Experian credit monitoring whenever your Social Security number appears on the dark web
Late fee waiver: You won’t incur a fee for the first late payment. Late fees are usually $39 for each occurrence.

Intro APR

Regular APR

14.49% to 22.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1.5% Cash Back
Cash back Match - We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.
100% U.S. Based Customer Service
Free Employee Cards - Add employee cards with spending limits and earn rewards for all their purchases.

Pros

Double cash back on purchases on the first 12 months
0% APR on purchases

Cons

Low ongoing rewards after the first year
0% APR doesn’t cover balance transfers

Social Security alerts: You will be alerted with free Experian credit monitoring whenever your Social Security number appears on the dark web
Late fee waiver: You won’t incur a fee for the first late payment. Late fees are usually $39 for each occurrence.

Discover it® Cash Back

BEST FOR:

Those who want double the cash back on your first year

Apply Now

On Discover's Secure Website

Intro APR

Regular APR

16.24% to 27.24% variable

Annual Fee

Credit Needed

Good - Excellent

5% cash back in rotating categories for each quarter. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
1% cash back on all other purchases

Pros

Premium rewards on rotating bonus categories
Double your cash back for the first year
With 0% introductory APR on purchases and balance transfers

Cons

Bonus rewards are capped at $1,500
Bonus rewards need to be activated every quarter
Listed spending categories can be limiting to cardholders

Freeze it®: You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
$0 fraud liability guarantee: Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
Free FICO® credit score: Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
Discover® identity alerts: You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of Dark Web sites and if your Social Security number is found on those sites.

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Review

Intro APR

Regular APR

16.24% to 27.24% variable

Annual Fee

Credit Needed

Good - Excellent

5% cash back in rotating categories for each quarter. For the months of January to March 31, 2023, you can earn 5% cash back at grocery stores, drug stores, and select streaming services on up to $1,500 in purchases after card activation.
1% cash back on all other purchases

Pros

Premium rewards on rotating bonus categories
Double your cash back for the first year
With 0% introductory APR on purchases and balance transfers

Cons

Bonus rewards are capped at $1,500
Bonus rewards need to be activated every quarter
Listed spending categories can be limiting to cardholders

Freeze it®: You can freeze your account on the Discover mobile app or website to prevent new purchases, cash advances, and balance transfers if you misplace your card
$0 fraud liability guarantee: Discover will hold you responsible for unauthorized purchases made with your Discover it® Cash Back Credit Card.
Free FICO® credit score: Your FICO® credit score, key factors, and other credit information are available on Discover.com and your statement. Note that these are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus.
Discover® identity alerts: You can get an alert from Discover on the following: Daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report, daily monitoring of Dark Web sites and if your Social Security number is found on those sites.

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Edward Jones Business Plus MasterCard®

BEST FOR:

Those who do not want Balance Transfer Fees

Apply Now

on Edward Jones Business Plus MasterCard®'s secure website.

Intro APR

None

Regular APR

19.99% to 29.99% variable

Annual Fee

None with at least one purchase to your account each year, otherwise $25

Credit Needed

Good to excellent

1.5 Loyalty Points for every $1 spent on eligible net purchases up to $40,000
2 Loyalty Points for every $1 spent on eligible net purchases over $40,000 in the same year
4 Bonus Loyalty Points on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center

Pros

Sign up bonus
Introductory 0% APR and $0 fee on balance transfers
No annual fee option

Cons

No 0% APR on purchases
High purchase requirements to earn higher rewards

Worldwide travel accident insurance
Free credit score access
Online and mobile banking
Zero fraud liability
Extended warranty and purchase protection

Intro APR

None

Regular APR

19.99% to 29.99% variable

Annual Fee

None with at least one purchase to your account each year, otherwise $25

Credit Needed

Good to excellent

1.5 Loyalty Points for every $1 spent on eligible net purchases up to $40,000
2 Loyalty Points for every $1 spent on eligible net purchases over $40,000 in the same year
4 Bonus Loyalty Points on prepaid hotels and car rentals booked directly in the Edward Jones Rewards Travel Center

Pros

Sign up bonus
Introductory 0% APR and $0 fee on balance transfers
No annual fee option

Cons

No 0% APR on purchases
High purchase requirements to earn higher rewards

Worldwide travel accident insurance
Free credit score access
Online and mobile banking
Zero fraud liability
Extended warranty and purchase protection

Evergreen® by FNBO Business Edition® Credit Card

BEST FOR:

Those who have existing business checking accounts with FNBO

Apply Now

on Evergreen® by FNBO Business Edition® Credit Card's secure website.

Intro APR

Regular APR

18.24% to 29.24% variable

Annual Fee

None

Credit Needed

Good to Excellent

Unlimited 2% cash back on all purchases, with no category restrictions and rewards getting expired
Earn 10,000 bonus points on your card anniversary after spending $10,000 annually

Pros

Doesn’t charge annual fees
With 0% introudctory APR on purchases
Rewards are nonrestrictive

Cons

Charges foreign transaction fees
Doesn’t have 0% introductory APR on balance transfers
Short 0% introductory APR as compared to other business credit cards

Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
Mobile receipt management: Lets you digitally capture business receipts with your smartphone’s camera, making record-keeping easier.
QuickBooks online discount: Save 30% on selected QuickBooks subscriptions for 12 months when using the Evergreen® by FNBO Business Edition® Credit Card.
TurboTax discount: Get savings of up to $20 on TurboTax federal products with a valid Mastercard small business credit card.

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Review

Intro APR

Regular APR

18.24% to 29.24% variable

Annual Fee

None

Credit Needed

Good to Excellent

Unlimited 2% cash back on all purchases, with no category restrictions and rewards getting expired
Earn 10,000 bonus points on your card anniversary after spending $10,000 annually

Pros

Doesn’t charge annual fees
With 0% introudctory APR on purchases
Rewards are nonrestrictive

Cons

Charges foreign transaction fees
Doesn’t have 0% introductory APR on balance transfers
Short 0% introductory APR as compared to other business credit cards

Zero liability: FNBO offers 24/7 protection against fraudulent charges made with either your card or account information
Mobile receipt management: Lets you digitally capture business receipts with your smartphone’s camera, making record-keeping easier.
QuickBooks online discount: Save 30% on selected QuickBooks subscriptions for 12 months when using the Evergreen® by FNBO Business Edition® Credit Card.
TurboTax discount: Get savings of up to $20 on TurboTax federal products with a valid Mastercard small business credit card.

Read Full Review

Fifth Third Simply BusinessTM Card

BEST FOR:

Those with existing business savings or checking account with Fifth Third Bank

Apply Now

on Fifth Third Simply BusinessTM Card's secure website.

Intro APR

0% APR

Regular APR

16.49% to 27.49% variable

Annual Fee

None

Credit Needed

Undisclosed

Unlimited 1.67% cash back on all purchases

Pros

With interest-free financing option on purchases and balance transfers
Unlimited cash back rewards
No annual and foreign transaction fees

Cons

Only available in 11 states
No introductory rewards
Limited ways to redeem points
Need an active Fifth Third checking or savings account to qualify

Mastercard ID Theft Protection^TM (IDT): Alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your personal information.
MasterRental insurance coverage: Cardholders that rent a vehicle for 31 consecutive days or less using the Fifth Third Simply Business^TM Card, you are eligible for insurance rental coverage on physical damage and theft of the rented vehicle.
Mastercard Business Assistant: Provides assistance to Mastercard cardholders 24/7/365 on assistance with everyday business needs
Zero liability: Mastercard ensures that you are not responsible for fraudulent activity and won’t hold you responsible for unauthorized purchases made with your card. Business owners must report any loss or theft to their provider promptly to ensure that fraudulent activity is covered.

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Review

Intro APR

0% APR

Regular APR

16.49% to 27.49% variable

Annual Fee

None

Credit Needed

Undisclosed

Unlimited 1.67% cash back on all purchases

Pros

With interest-free financing option on purchases and balance transfers
Unlimited cash back rewards
No annual and foreign transaction fees

Cons

Only available in 11 states
No introductory rewards
Limited ways to redeem points
Need an active Fifth Third checking or savings account to qualify

Mastercard ID Theft Protection^TM (IDT): Alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your personal information.
MasterRental insurance coverage: Cardholders that rent a vehicle for 31 consecutive days or less using the Fifth Third Simply Business^TM Card, you are eligible for insurance rental coverage on physical damage and theft of the rented vehicle.
Mastercard Business Assistant: Provides assistance to Mastercard cardholders 24/7/365 on assistance with everyday business needs
Zero liability: Mastercard ensures that you are not responsible for fraudulent activity and won’t hold you responsible for unauthorized purchases made with your card. Business owners must report any loss or theft to their provider promptly to ensure that fraudulent activity is covered.

Read Full Review

First Citizens Bank Business Rewards Visa

Apply Now

on First Citizens Bank Business Rewards Visa's secure website.

Intro APR

Regular APR

16.74% to 25.74% variable

Annual Fee

Credit Needed

Good to Excellent

3 points for every $1 spent on gas
2 points for every $1 spent on restaurants and travel
1 point per $1 spent on all other purchases

Pros

0% APR on both balance transfer and purchase transactions
No annual or foreign transaction fees
Generous sign-up bonus and ongoing rewards

Cons

Balance transfer fee is not waived during the 0% introductory period
Online application is not available
Branches are only available in selected states

Free employee cards
Travel and Emergency Assistance
Purchase security and Extended warranty
Expense tracking and Spending limit management
Cell phone protection

Intro APR

Regular APR

16.74% to 25.74% variable

Annual Fee

Credit Needed

Good to Excellent

3 points for every $1 spent on gas
2 points for every $1 spent on restaurants and travel
1 point per $1 spent on all other purchases

Pros

0% APR on both balance transfer and purchase transactions
No annual or foreign transaction fees
Generous sign-up bonus and ongoing rewards

Cons

Balance transfer fee is not waived during the 0% introductory period
Online application is not available
Branches are only available in selected states

Free employee cards
Travel and Emergency Assistance
Purchase security and Extended warranty
Expense tracking and Spending limit management
Cell phone protection

First Progress Select Platinum Mastercard® Secured image

First Progress Select Platinum Mastercard® Secured Credit Card

Apply Now

on First Progress Select Platinum Mastercard® Secured Credit Card's secure website.

Intro APR

N/A

Regular APR

18.99% variable

Annual Fee

$39

Credit Needed

Bad, limited

1% cash back on payments made to your credit card account

Pros

No annual fee
Long 0% APR on both purchases and balance transfers
Free online reporting with Spend Analysis

Cons

No sign up bonus
No ongoing rewards
Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)

Reports to all three major credit bureaus
Pay six months on time and apply to get a second credit card
Easy, free access to credit education in the First Progress Card Mobile App
Enrolled automatically in First Progress Rewards upon approval
Expedited processing service option

Intro APR

N/A

Regular APR

18.99% variable

Annual Fee

$39

Credit Needed

Bad, limited

1% cash back on payments made to your credit card account

Pros

No annual fee
Long 0% APR on both purchases and balance transfers
Free online reporting with Spend Analysis

Cons

No sign up bonus
No ongoing rewards
Branches are limited to selected states only (Texas, Arizona, California, Florida and Michigan, with select businesses operating in several other states, as well as in Canada and Mexico)

Reports to all three major credit bureaus
Pay six months on time and apply to get a second credit card
Easy, free access to credit education in the First Progress Card Mobile App
Enrolled automatically in First Progress Rewards upon approval
Expedited processing service option

First Tech Platinum Secured Mastercard®

Apply Now

on First Tech Platinum Secured Mastercard®'s secure website.

Intro APR

Regular APR

14.00 to 18.00% variable

Annual Fee

Credit Needed

Bad, limited

1x point per dollar

Pros

Low starting APR
No annual, foreign transaction, balance transfer, and cash advance fees
Ongoing rewards on purchases

Cons

No sign up bonus
No 0% APR period
You need to become a First Tech member to open an account

Purchase assurance: When an item you bought with your covered card is damaged or stolen within 90 days of purchase, you may be eligible for benefits under this coverage
Mastercard Global Service™: Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance
Mastercard ID Theft Protection™: This is a theft resolution service in case you become a victim of identity theft
Ongoing rewards: Earn unlimited 1x points per dollar spent on purchases and redeem your rewards for travel, merchandise, gift cards, and more—plus, your rewards don’t expire

Intro APR

Regular APR

14.00 to 18.00% variable

Annual Fee

Credit Needed

Bad, limited

1x point per dollar

Pros

Low starting APR
No annual, foreign transaction, balance transfer, and cash advance fees
Ongoing rewards on purchases

Cons

No sign up bonus
No 0% APR period
You need to become a First Tech member to open an account

Purchase assurance: When an item you bought with your covered card is damaged or stolen within 90 days of purchase, you may be eligible for benefits under this coverage
Mastercard Global Service™: Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance
Mastercard ID Theft Protection™: This is a theft resolution service in case you become a victim of identity theft
Ongoing rewards: Earn unlimited 1x points per dollar spent on purchases and redeem your rewards for travel, merchandise, gift cards, and more—plus, your rewards don’t expire

GM Business Card™

BEST FOR:

Those who do business regularly with GM

Apply Now

on GM Business Card™'s secure website.

Intro APR

0% APR

Regular APR

18.74% to 28.74% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
3% back on purchases from gas stations, restaurants, and office supply stores.
1% back on all other purchases

Pros

With signup bonus
Has 0% introductory APR on purchases
No additional fees

Cons

Doesn’t offer 0% introductory APR on balance transfers
Limited rewards redemption option

Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
TurboTax discount: Save up to $20 on TurboTax federal products.
ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.

Read Full
Review

See Rates
& Fees

Intro APR

0% APR

Regular APR

18.74% to 28.74% variable

Annual Fee

None

Credit Needed

Good/Excellent

5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
3% back on purchases from gas stations, restaurants, and office supply stores.
1% back on all other purchases

Pros

With signup bonus
Has 0% introductory APR on purchases
No additional fees

Cons

Doesn’t offer 0% introductory APR on balance transfers
Limited rewards redemption option

Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
TurboTax discount: Save up to $20 on TurboTax federal products.
ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.

Read Full Review

See Rates & Fees

Harborstone Credit Union Business Cash Preferred Card

BEST FOR:

Members of Harborstone Credit Union wanting to earn cash back rewards

Apply Now

on Harborstone Credit Union Business Cash Preferred Card's secure website.

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

18.99% to 27.99% variable

Annual Fee

Credit Needed

Good to Excellent

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

With 0% introductory APR on purchases and balance transfers
Offers rewards for both new and existing cardholders
Does not charge annual fees

Cons

Short 0% introductory APR period
Rewards do expire
Can only be secured by members of Harborstone Credit Union

Free employee cards: You can control the spending limits or the types of purchases allowed for each employee card.
Online reporting: The card comes with a free online tool that lets you review your credit card expenses on a monthly, quarterly, annual, or year-to-date basis.
Zero fraud liability: You’re also covered with zero fraud liability in case your card is lost or stolen. You will not be responsible for any unauthorized purchases.
Auto rental collision damage waiver: To qualify, you need to charge your entire car rental service to this card. You must decline the rental company’s collision damage waiver option to receive coverage on a 24-hour basis for damage to the rental due to collision or theft.

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Review

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

18.99% to 27.99% variable

Annual Fee

Credit Needed

Good to Excellent

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

With 0% introductory APR on purchases and balance transfers
Offers rewards for both new and existing cardholders
Does not charge annual fees

Cons

Short 0% introductory APR period
Rewards do expire
Can only be secured by members of Harborstone Credit Union

Free employee cards: You can control the spending limits or the types of purchases allowed for each employee card.
Online reporting: The card comes with a free online tool that lets you review your credit card expenses on a monthly, quarterly, annual, or year-to-date basis.
Zero fraud liability: You’re also covered with zero fraud liability in case your card is lost or stolen. You will not be responsible for any unauthorized purchases.
Auto rental collision damage waiver: To qualify, you need to charge your entire car rental service to this card. You must decline the rental company’s collision damage waiver option to receive coverage on a 24-hour basis for damage to the rental due to collision or theft.

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Hawaiian Airlines® World Elite Business Mastercard®

BEST FOR:

Hawaiian Airlines loyalists

Apply Now

On Barclay's Secure Website

Intro APR

N/A

Regular APR

20.49% to 29.49% variable

Annual Fee

$99

Credit Needed

Good to Excellent

Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

Pros

Doesn’t charge foreign transaction fees
Low spending requirement for sign-up bonus
Can share miles with family and friends

Cons

Has no 0% intro APR
No free checked bag benefit
Companion discount is only good for flights between Hawaii and North America

HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines

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Review

Intro APR

N/A

Regular APR

20.49% to 29.49% variable

Annual Fee

$99

Credit Needed

Good to Excellent

Earn 50,000 bonus miles after spending $2,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

Pros

Doesn’t charge foreign transaction fees
Low spending requirement for sign-up bonus
Can share miles with family and friends

Cons

Has no 0% intro APR
No free checked bag benefit
Companion discount is only good for flights between Hawaii and North America

HawaiianMiles Share Miles: Allows cardholders to share earned miles with family and friends faster. You can send and receive HawaiianMiles transferred from friends and family up to a maximum of 10 times per calendar year.
Complimentary employee cards: You can create employee cards that can help you earn rewards faster and control business spending at no cost.
Companion ticket: Receive a one-time 50% off companion discount for round-trip coach travel between Hawaii and North America on Hawaiian Airlines

Read Full Review

Huntington Bank Voice Business Credit Card

BEST FOR:

Those with existing checking account with Huntington Bank

Apply Now

on Huntington Bank Voice Business Credit Card's secure website.

Intro APR

None

Regular APR

15.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on pre-determined categories
1% cash back on all other purchases

Pros

No annual and foreign transaction fees
With interest-free financing option for balance transfers
High rewards to be earned for each quarter

Cons

No interest-free financing option for purchases
High balance transfer and cash advance fees
No introductory rewards
Only available in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin

Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on these cards.
Zero Liability Protection: Mastercard offers Zero Liability Protection, regardless if the purchase was made in a store, over the phone, or online. You will not be held responsible for unauthorized purchases made with your card.
Mastercard Global Service™: Mastercard will help assist you in reporting a lost or stolen card, obtain an emergency card replacement or cash advance, find the nearest ATM, and answer any other questions you may have on your account.

Read Full
Review

Intro APR

None

Regular APR

15.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good to Excellent

4X Rewards Points on the first $7,000 spent per quarter ($28,000 annually) on pre-determined categories
1% cash back on all other purchases

Pros

No annual and foreign transaction fees
With interest-free financing option for balance transfers
High rewards to be earned for each quarter

Cons

No interest-free financing option for purchases
High balance transfer and cash advance fees
No introductory rewards
Only available in 11 states: Ohio, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, West Virginia, and Wisconsin

Unlimited employee cards: You can request an unlimited number of credit cards for your employees and create spend controls on these cards.
Zero Liability Protection: Mastercard offers Zero Liability Protection, regardless if the purchase was made in a store, over the phone, or online. You will not be held responsible for unauthorized purchases made with your card.
Mastercard Global Service™: Mastercard will help assist you in reporting a lost or stolen card, obtain an emergency card replacement or cash advance, find the nearest ATM, and answer any other questions you may have on your account.

Read Full Review

IHG® Rewards Premier Business Credit Card

BEST FOR:

Those who frequently stay at IHG® Hotels & Resorts

Apply Now

on IHG® Rewards Premier Business Credit Card's secure website.

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier Business card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC

Pros

Offers premium rewards
With a lucrative sign-up and anniversary bonuses
Does not charge foreign transaction fees

Cons

Has no 0% introductory APR
With annual fees

Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.

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& Fees

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Earn 165,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 total points per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier Business card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
Member FDIC

Pros

Offers premium rewards
With a lucrative sign-up and anniversary bonuses
Does not charge foreign transaction fees

Cons

Has no 0% introductory APR
With annual fees

Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.

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IHG® Rewards Premier Credit Card

BEST FOR:

Those who frequently stay at IHG® Hotels & Resorts

Apply Now

on IHG® Rewards Premier Credit Card's secure website.

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

Offers premium rewards
With a lucrative sign-up and anniversary bonuses
Does not charge foreign transaction fees

Cons

Has no 0% introductory APR
With annual fees

Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.

Read Full
Review

See Rates
& Fees

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for any stay of 3 or more nights
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

Offers premium rewards
With a lucrative sign-up and anniversary bonuses
Does not charge foreign transaction fees

Cons

Has no 0% introductory APR
With annual fees

Platinum Elite Status: You can receive an automatic Platinum Elite status with your IHG® Rewards Premier Business Credit Card. You’ll keep this status as long as you remain a Premier Business card member and your IHG® Rewards membership account remains in good standing.
Purchase Protection: Get insurance coverage on your new purchases for 120 days against damage or theft. Coverage is limited to a maximum of $10,000 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance: If your trip either got canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses — including passenger fares, tours, and hotels. Restrictions, limitations, and exclusions apply. Refer to the Guide to Benefits, which includes a full explanation of coverages.
Global Entry, TSA PreCheck®, or NEXUS Statement Credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.

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Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

Apply Now

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

18.24% - 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.

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Review

Intro APR

0% Intro APR on Purchases

Regular APR

18.24% - 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.

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Ink Business Preferred® Credit Card

BEST FOR:

Maximizing travel rewards at a lower annual fee

Apply Now

On Chase's Secure Website

Intro APR

N/A

Regular APR

20.99% - 25.99% Variable

Annual Fee

$95

Credit Needed

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Pros

Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
Comprehensive travel and purchase protection
No foreign transaction fees

Cons

No interest-free financing option on both purchases and balance transfers
With annual fee
Need to make extremely large purchases to qualify for the sign-up bonus

Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster

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Review

Intro APR

N/A

Regular APR

20.99% - 25.99% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Member FDIC

Pros

Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
Comprehensive travel and purchase protection
No foreign transaction fees

Cons

No interest-free financing option on both purchases and balance transfers
With annual fee
Need to make extremely large purchases to qualify for the sign-up bonus

Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster

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Ink Business Premier℠ Credit Card

BEST FOR:

Those who frequently make large purchases

Apply Now

on Ink Business Premier℠ Credit Card's secure website.

Intro APR

N/A

Regular APR

Flex for Business Variable APR: 19.24% - 27.24%

Annual Fee

$195

Credit Needed

Good - Excellent

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Pros

Offers premium rewards for new and existing cardholders
Does not charge foreign transaction fees
Has the option to pay for qualifying purchases in installments through Flex for Business

Cons

Does not have interest-free financing option on both purchases and balance transfers
Charges a high annual fee of $195
Requires for you to pay in full each month
Need to make large purchases within a short period of time to qualify for its sign up bonus

Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.

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Review

Intro APR

N/A

Regular APR

Flex for Business Variable APR: 19.24% - 27.24%

Annual Fee

$195

Credit Needed

Good - Excellent

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
Member FDIC

Pros

Offers premium rewards for new and existing cardholders
Does not charge foreign transaction fees
Has the option to pay for qualifying purchases in installments through Flex for Business

Cons

Does not have interest-free financing option on both purchases and balance transfers
Charges a high annual fee of $195
Requires for you to pay in full each month
Need to make large purchases within a short period of time to qualify for its sign up bonus

Cellphone protection: You and your employees listed on your monthly cellphone bill can get up to $1,000 per claim against covered theft or damage
Extended warranty protection: You can extend the US manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, nonrefundable travel expenses, which includes passenger fares, tours, and hotels.
Flex for Business: Allows a portion of your Credit Access Line to be used for qualifying purchases over time with interest.
Free employee cards: You can request employee cards at no additional cost and set individual spending limits—helping you earn rewards faster.

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Ink Business Unlimited® Credit Card

Apply Now

on Ink Business Unlimited® Credit Card's secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

18.24% - 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

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Review

Intro APR

0% Intro APR on Purchases

Regular APR

18.24% - 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Member FDIC

Pros

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

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Interra Credit Union Business Rewards Plus MasterCard® Credit Card

BEST FOR:

Interra Credit Union members who want to maximize their business purchases

Apply Now

on Interra Credit Union Business Rewards Plus MasterCard® Credit Card's secure website.

Intro APR

Regular APR

14.99% to 20.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

3% on purchases from gas and restaurants, with an annual cap of $150
1% on all other purchases

Pros

No annual and application fees
Charges low regular APR for purchases, balance transfers, and cash advances

Cons

No interest-free financing option for both purchases and balance transfers
Only available for members of Interra Credit Union
Interra Credit Union is only located in selected areas in Indiana
Limited rewards

Accessible customer service: Interra Credit Union offers a local connection and 24/7 member service to their cardholders.
Zero fraud liability: This business credit card ensures security to their cardholders from possible fraudulent transactions.
Travel accident insurance: You can avail insurance in the event that your travels were purchased with the Interra Credit Union Business Rewards Plus MasterCard® Credit Card.

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Review

Intro APR

Regular APR

14.99% to 20.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

3% on purchases from gas and restaurants, with an annual cap of $150
1% on all other purchases

Pros

No annual and application fees
Charges low regular APR for purchases, balance transfers, and cash advances

Cons

No interest-free financing option for both purchases and balance transfers
Only available for members of Interra Credit Union
Interra Credit Union is only located in selected areas in Indiana
Limited rewards

Accessible customer service: Interra Credit Union offers a local connection and 24/7 member service to their cardholders.
Zero fraud liability: This business credit card ensures security to their cardholders from possible fraudulent transactions.
Travel accident insurance: You can avail insurance in the event that your travels were purchased with the Interra Credit Union Business Rewards Plus MasterCard® Credit Card.

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JetBlue Business Card

BEST FOR:

JetBlue frequent flyers who want excellent rewards

Apply Now

On Barclay's Secure Website

Intro APR

N/A

Regular APR

20.49% to 29.49% variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
6x points per dollar spent on eligible JetBlue purchases
2x points per dollar spent at restaurants and office supply stores
1x points per dollar spent on all other purchases

Pros

Sign-up bonus
Premium travel rewards
No foreign transaction fee

Cons

No 0% introductory APR
Charges an annual fee
Limited redemption option

Barclays doesn’t provide specific coverage information on their business credit cards. Review your guide to benefits for detailed benefit information:

Free first checked bag: Receive one free checked bag for you and up to three companions.
Inflight discounts: You’ll get 50% off inflight food and beverage purchases.
Annual statement credit: Get $100 statement each year you purchase a JetBlue Vacations package.
Vehicle rental insurance: Receive collision and damage waiver insurance for eligible car rentals, up to 30 days.
Purchase assurance: You’ll receive coverage for items that are damaged or stolen within 90 days of purchase.
Extended warranty protection: Get an additional warranty protection period with the manufacturer’s warranty.
Travel assistance: Have access to free travel and emergency assistance.

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Review

Intro APR

N/A

Regular APR

20.49% to 29.49% variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 80,000 bonus points and a $99 statement credit after spending $2,000 on purchases in the first 90 days.
6x points per dollar spent on eligible JetBlue purchases
2x points per dollar spent at restaurants and office supply stores
1x points per dollar spent on all other purchases

Pros

Sign-up bonus
Premium travel rewards
No foreign transaction fee

Cons

No 0% introductory APR
Charges an annual fee
Limited redemption option

Barclays doesn’t provide specific coverage information on their business credit cards. Review your guide to benefits for detailed benefit information:

Free first checked bag: Receive one free checked bag for you and up to three companions.
Inflight discounts: You’ll get 50% off inflight food and beverage purchases.
Annual statement credit: Get $100 statement each year you purchase a JetBlue Vacations package.
Vehicle rental insurance: Receive collision and damage waiver insurance for eligible car rentals, up to 30 days.
Purchase assurance: You’ll receive coverage for items that are damaged or stolen within 90 days of purchase.
Extended warranty protection: Get an additional warranty protection period with the manufacturer’s warranty.
Travel assistance: Have access to free travel and emergency assistance.

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Lowe’s Business Rewards Card from American Express

Overview
Card Details

Apply Now

on Lowe’s Business Rewards Card from American Express's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

See Rates & Fees

M&T Business Rewards Credit Card

BEST FOR:

Those with existing M&T checking or savings account wanting cash back rewards

Apply Now

On M&T Bank's Secure Website

Intro APR

Regular APR

16.74 to 23.74% variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1.5% cash back on every purchase
0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
Variable APR of 14.49% to 21.49% thereafter
No annual fee
Add employee cards at no additional cost, plus ability to manage spend limits for users
Global acceptance with chip technology
M&T Assurance® for fraud prevention, detection, and resolution
Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
Save with no foreign transaction fee

Pros

With 0% introductory APR on purchases and balance transfers
With sign-up bonus
Doesn’t charge annual fees

Cons

Charges high balance transfer fees
Doesn’t offer unique features that make this business credit card stand out

M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
Chip technology: Each M&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.

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Review

Intro APR

Regular APR

16.74 to 23.74% variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1.5% cash back on every purchase
0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
Variable APR of 14.49% to 21.49% thereafter
No annual fee
Add employee cards at no additional cost, plus ability to manage spend limits for users
Global acceptance with chip technology
M&T Assurance® for fraud prevention, detection, and resolution
Multiple convenient ways to make payments, transfer funds, or review account detail, such as online with M&T Online Banking for Business or via the M&T Mobile App, at an M&T Bank ATM, or in person at any local M&T branch.
Pay for purchases conveniently with Apple Pay®, Google Pay™, and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android®, or an eligible Samsung device
Save with no foreign transaction fee

Pros

With 0% introductory APR on purchases and balance transfers
With sign-up bonus
Doesn’t charge annual fees

Cons

Charges high balance transfer fees
Doesn’t offer unique features that make this business credit card stand out

M&T Assurance®: M&T Bank helps prevent and detect card fraud, letting you use it confidently.
Chip technology: Each M&T credit card contains an encrypted microchip. So, when your card is used at a chip-enabled terminal, you’re protected from fraudulent or counterfeit transactions.
Digital wallet: Your M&T card can be linked to digital wallets like Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. This feature lets you make purchases without your physical card at brick-and-mortar stores and your card details for online payments.
Employee cards: You can add employee cards at no additional cost and manage each card’s spending limits.

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Marriott Bonvoy Business® American Express® Card

Overview
Card Details

Apply Now

on Marriott Bonvoy Business® American Express® Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$125

Credit Needed

Good, Excellent

Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$125

Credit Needed

Good, Excellent

Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Rates & Fees

Marriott Bonvoy Business® American Express® Card

BEST FOR:

Owners who choose to stay at Marriott Bonvoy hotels

Apply Now

on Marriott Bonvoy Business® American Express® Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$125

Credit Needed

Good, Excellent

Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Full Editorial Review Here

Pros

Complimentary Marriott Bonvoy Gold Elite status
No foreign transaction fees
Premium rewards points

Cons

Charges an annual fee
No introductory 0% APR
Balance transfers aren't allowed

Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card

Read Full
Review

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$125

Credit Needed

Good, Excellent

Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Full Editorial Review Here

Pros

Complimentary Marriott Bonvoy Gold Elite status
No foreign transaction fees
Premium rewards points

Cons

Charges an annual fee
No introductory 0% APR
Balance transfers aren't allowed

Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card

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See Rates and Fees

Navy Federal Go Biz® Rewards Credit Card

BEST FOR:

Navy Federal Credit Union members wanting to get rewards from business purchases

Apply Now

on Navy Federal Go Biz® Rewards Credit Card's secure website.

Intro APR

None

Regular APR

10.65% (Prime rate + 5.9%) to 18% (Prime rate + 13.9%) variable

Annual Fee

None

Credit Needed

Excellent

1X point per dollar spent on eligible net purchases

Pros

No annual and foreign transaction fees
Can redeem rewards in various ways
Available in more than 30 states

Cons

Only available for Navy Federal Credit Union members
Low rewards rate
No interest-free financing option for purchase and balance transfers
No introductory rewards

Visa SavingsEdge: A unique feature that lets Visa® cardholders save on business expenses with Everyday Offers, which will become automatically available to you after enrolling.

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Review

Intro APR

None

Regular APR

10.65% (Prime rate + 5.9%) to 18% (Prime rate + 13.9%) variable

Annual Fee

None

Credit Needed

Excellent

1X point per dollar spent on eligible net purchases

Pros

No annual and foreign transaction fees
Can redeem rewards in various ways
Available in more than 30 states

Cons

Only available for Navy Federal Credit Union members
Low rewards rate
No interest-free financing option for purchase and balance transfers
No introductory rewards

Visa SavingsEdge: A unique feature that lets Visa® cardholders save on business expenses with Everyday Offers, which will become automatically available to you after enrolling.

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Office Depot® OfficeMax® Business Credit Card

BEST FOR:

Those who regularly make purchases at Office Depot and OfficeMax

Apply Now

on Office Depot® OfficeMax® Business Credit Card's secure website.

Intro APR

None

Regular APR

20.80% to 29.99% non-variable

Annual Fee

No information provided

Credit Needed

Fair

2% back on supplies, furniture, technology, and other eligible items

Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases

$2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)

Pros

With rewards for new and existing cardholders
Available to applicants with Fair credit

Cons

With high ongoing APR
Need for you to be enrolled in the Rewards
Program to get cashback rewards
Can only be used at Office Depot and OfficeMax stores

Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.

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Review

Intro APR

None

Regular APR

20.80% to 29.99% non-variable

Annual Fee

No information provided

Credit Needed

Fair

2% back on supplies, furniture, technology, and other eligible items

Members-only savings that are only available to Rewards members, such as 100% back in rewards on batteries and 20% back in rewards on qualifying purchases

$2 in rewards if you recycle both your ink and toner cartridges (with a minimum $10 purchase and up to 10 cartridges per month)

Pros

With rewards for new and existing cardholders
Available to applicants with Fair credit

Cons

With high ongoing APR
Need for you to be enrolled in the Rewards
Program to get cashback rewards
Can only be used at Office Depot and OfficeMax stores

Office Depot® OfficeMax® Rewards Program: A free program where active members can get up to 2% cashback in rewards on their go-to supplies, furniture, equipment, and more.
Itemized billing statements: Office Depot provides relevant information that can help business owners do proper budget allocation and forecasting of expenses when using their credit cards.

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OpenSky® Secured Visa® Credit Card

BEST FOR:

Business owners with a credit score below 580

Apply Now

on OpenSky® Secured Visa® Credit Card's secure website.

Intro APR

N/A

Regular APR

22.14% variable

Annual Fee

$35

Credit Needed

Poor to Average

No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.

Pros

Reports to the three main credit bureaus
Low annual fee
Can qualify with limited or bad credit history

Cons

Doesn’t offer 0% introductory APR
Doesn’t offer rewards for their new and existing cardholders

Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.

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Review

Intro APR

N/A

Regular APR

22.14% variable

Annual Fee

$35

Credit Needed

Poor to Average

No credit check needed to apply—OpenSky® won’t pull your credit so there’s no impact on your credit score.
You can set your own credit limit by making a refundable deposit ranging from $200 to $3,000.
OpenSky® reports your activities to credit bureaus including Equifax®, Experian® and TransUnion® to help you build or improve your credit score.

Pros

Reports to the three main credit bureaus
Low annual fee
Can qualify with limited or bad credit history

Cons

Doesn’t offer 0% introductory APR
Doesn’t offer rewards for their new and existing cardholders

Protection against lost, stolen, or damaged cards: Call (800) 859-6412 and report your card was either lost or stolen. OpenSky® will immediately block your card and issue a replacement card with a new card number.
Flexible Pay: You can change your due date once per year by contacting the customer service department on the phone number found on your billing statement.
Zero liability protection: You’re protected from unauthorized use of either your card or account information. Call (800) 859-6412 and contact Capital Bank’s customer service department to report suspected fraud.

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PNC BusinessOptions® Visa Signature® Credit Card

BEST FOR:

Those who want the option to either carry a balance or pay in full

Apply Now

on PNC BusinessOptions® Visa Signature® Credit Card's secure website.

Intro APR

N/A

Regular APR

15.49% to 21.49% variable

Annual Fee

$0 to $500, based on annual net purchases

Credit Needed

Good to Excellent

Annual fee is based on the annual total of net purchases for the previous 12 billing cycles

You can choose to earn either cash rebates, travel rewards, or points rewards

You can choose either a pay-in-full option with a credit limit up to $250,000 or a revolve option with a credit limit up to $50,000

No foreign transaction fee

Expense allocation features provided by the Advanced Reporting Tool

Pros

Option to carry a balance or pay in full
No foreign transaction fee
Three different reward options available

Cons

Annual fee is based on yearly expenses
Low cash back rewards for pay-in-full option
High spending requirement for sign-up bonus

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Advanced reporting tool: Enroll in the advanced reporting tool to allocate and analyze expenses.
All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.

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Review

Intro APR

N/A

Regular APR

15.49% to 21.49% variable

Annual Fee

$0 to $500, based on annual net purchases

Credit Needed

Good to Excellent

Annual fee is based on the annual total of net purchases for the previous 12 billing cycles

You can choose to earn either cash rebates, travel rewards, or points rewards

You can choose either a pay-in-full option with a credit limit up to $250,000 or a revolve option with a credit limit up to $50,000

No foreign transaction fee

Expense allocation features provided by the Advanced Reporting Tool

Pros

Option to carry a balance or pay in full
No foreign transaction fee
Three different reward options available

Cons

Annual fee is based on yearly expenses
Low cash back rewards for pay-in-full option
High spending requirement for sign-up bonus

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Advanced reporting tool: Enroll in the advanced reporting tool to allocate and analyze expenses.
All benefits of a Visa® card: This card comes with all the benefits of a Visa® credit card, including worldwide acceptance and fraud protection.

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PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders wanting to earn fixed-rate rewards

Apply Now

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

15.99% to 24.99% variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.

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Review

Intro APR

0% for 9 billing cycles

Regular APR

15.99% to 24.99% variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.

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PNC points® Visa® Business Credit Card

BEST FOR:

Those who need to carry a balance

Apply Now

on PNC points® Visa® Business Credit Card's secure website.

Intro APR

0% on balance transfers and purchases for the first nine billing cycles after opening an account

Regular APR

15.74% to 24.74% variable

Annual Fee

Credit Needed

Good to Excellent

Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.

Pros

Low ongoing APR
Unlimited five points for every dollar spent on business-related purchases
No annual fees

Cons

Short interest-free financing option on both purchases and balance transfers
Points expire on the 48th month after the month in which they were posted to your points account
Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor

Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.

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Review

Intro APR

0% on balance transfers and purchases for the first nine billing cycles after opening an account

Regular APR

15.74% to 24.74% variable

Annual Fee

Credit Needed

Good to Excellent

Unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of and no limits on the amount of points earned.

Pros

Low ongoing APR
Unlimited five points for every dollar spent on business-related purchases
No annual fees

Cons

Short interest-free financing option on both purchases and balance transfers
Points expire on the 48th month after the month in which they were posted to your points account
Only available if you have an existing online bank account with PNC Bank or if you’re an existing PNC depositor

Overdraft protection: You can use this card as overdraft protection for your PNC business checking account. This can help prevent overdrafts if your checking account doesn’t have sufficient funds to cover your check transactions.
Cash Flow Insight®: This lets you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables. It has a Spend Analysis tool that will automatically assign business categories to your credit card transactions so that you can track your expenses and plan a budget for your future business needs.
Purchase security: Items purchased with this card are covered by purchase security. Visa® will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended protection: If you purchase an item with this card, you’re covered with extended protection. This coverage doubles the original manufacturer’s written US warranty up to a maximum of one additional year on warranties of three years or less.

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PNC Travel Rewards Visa® Business Credit Card

BEST FOR:

Earning fixed-rate rewards for businesses that bank with PNC Bank

Apply Now

On PNC's Secure Website

Intro APR

N/A

Regular APR

15.74% to 24.74% variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500

Pros

Does not charge annual and foreign transaction fees
Low ongoing APR

Cons

Does not offer introductory 0% APR on purchases and balance transfers
Low ongoing rewards
Online application is not available for non-account holders

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
Purchase security: Covers eligible items purchased with this card. Visa® will replace, repair, or reimburse you for items that are damaged or stolen within the first 90 days of purchase.
Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.

Read Full
Review

Intro APR

N/A

Regular APR

15.74% to 24.74% variable

Annual Fee

Credit Needed

Good - Excellent

Unlimited 1x miles for every dollar on eligible net purchases after the first $2,500

Pros

Does not charge annual and foreign transaction fees
Low ongoing APR

Cons

Does not offer introductory 0% APR on purchases and balance transfers
Low ongoing rewards
Online application is not available for non-account holders

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Accounting system integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
Purchase security: Covers eligible items purchased with this card. Visa® will replace, repair, or reimburse you for items that are damaged or stolen within the first 90 days of purchase.
Extended protection: Doubles the original manufacturer’s US warranty, up to a maximum of one additional year, on warranties of three years or less.

Read Full Review

PNC Visa® Business Credit Card

BEST FOR:

Existing PNC Bank account holders that need to carry a balance

Apply Now

on PNC Visa® Business Credit Card's secure website.

Intro APR

0% for the first 13 billing cycles after opening an account on balance transfers

Regular APR

14.99% to 24.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

No annual fee

No rewards on puchases

Online account management tools allow you to manage your business credit card activity

Pros

No annual fee
With an interest-free financing option on balance transfers

Cons

No interest-free financing option on purchases
No rewards for new and existing cardholders
Can only apply online if you have an existing online bank account with PNC Bank
With a high penalty interest rate

Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.

Read Full
Review

Intro APR

0% for the first 13 billing cycles after opening an account on balance transfers

Regular APR

14.99% to 24.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

No annual fee

No rewards on puchases

Online account management tools allow you to manage your business credit card activity

Pros

No annual fee
With an interest-free financing option on balance transfers

Cons

No interest-free financing option on purchases
No rewards for new and existing cardholders
Can only apply online if you have an existing online bank account with PNC Bank
With a high penalty interest rate

Cash Flow Insight®: Helps you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables.
Travel accident insurance: You’re covered by travel accident insurance if you die or are seriously injured while traveling.
Roadside Dispatch®: A pay-per-use roadside assistance program that provides services such as towing, tire changing, jump-starting, fuel delivery of up to five gallons, winching, and lockout services.
Overdraft protection: You can set up your PNC Visa® Business Credit Card as overdraft protection for your PNC business checking account to ensure that you have funds when needed.

Read Full Review

Capital One QuicksilverOne Rewards credit card

QuicksilverOne® from Capital One®

BEST FOR:

Rebuild personal credit while earning fixed-rate rewards

Apply Now

On Capital One's Secure Website

Intro APR

N/A

Regular APR

26.99% Variable

Annual Fee

$39

Credit Needed

Earn unlimited 1.5% cash back on every purchase, every day
Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
No Foreign Transaction Fees You won’t pay a transaction fee when making a purchase outside of the United States.

Pros

No expiration date on rewards
Free credit score monitoring

Cons

Annual fee
Does not help build business credit

Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® QuicksilverOne® Cash Rewards credit card.
Travel accident Insurance: Get travel insurance up to $100,000 for Visa Platinum, or up to $250,000 for Visa Signature, when you make your travel purchase with your Capital One® QuicksilverOne® Cash Rewards card.

Intro APR

N/A

Regular APR

26.99% Variable

Annual Fee

$39

Credit Needed

Earn unlimited 1.5% cash back on every purchase, every day
Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
No Foreign Transaction Fees You won’t pay a transaction fee when making a purchase outside of the United States.

Pros

No expiration date on rewards
Free credit score monitoring

Cons

Annual fee
Does not help build business credit

Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® QuicksilverOne® Cash Rewards credit card.
Travel accident Insurance: Get travel insurance up to $100,000 for Visa Platinum, or up to $250,000 for Visa Signature, when you make your travel purchase with your Capital One® QuicksilverOne® Cash Rewards card.

Ramp Credit Card

BEST FOR:

Those who are using Ramp as their main financial management tool

Apply Now

on Ramp Credit Card's secure website.

Intro APR

None

Regular APR

None

Annual Fee

Credit Needed

Poor to Excellent

Unlimited 1.5% cash back on all purchases, regardless of spending categories

Pros

Offers rewards for new and existing cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Ramp is not available to sole proprietors and unincorporated businesses

Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.

Intro APR

None

Regular APR

None

Annual Fee

Credit Needed

Poor to Excellent

Unlimited 1.5% cash back on all purchases, regardless of spending categories

Pros

Offers rewards for new and existing cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Ramp is not available to sole proprietors and unincorporated businesses

Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.

RBFCU Business Select Mastercard®

BEST FOR:

RBFCU members wanting to maximize business purchases

Apply Now

on RBFCU Business Select Mastercard®'s secure website.

Intro APR

None

Regular APR

18% variable

Annual Fee

None

Credit Needed

Good to Excellent

Unlimited 2% cash back on all purchases

Pros

Offers unlimited 2% cash back on all purchases
No annual, balance transfer, and foreign transaction fees

Cons

No interest-free financing option for purchases
Exclusive for RBFCU members
No introductory rewards
RBFCU is only located in the following cities in Texas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio

Fraud monitoring and alerts: RBFCU ensures their cardholders 24/7 monitoring of any possible fraudulent transaction, and will notify you as soon as they identify one.
Additional authorized users: Primary cardholders can add up to three authorized users in their credit card account. It should be noted that authorized users must have an existing RBFCU primary savings account that is in good standing.
Travel accident insurance: RBFCU provides its cardholders $1 million in travel accident insurance.
Billing breakdowns: You can customize your bills by maintaining only one credit card account for all your cards.

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Review

Intro APR

None

Regular APR

18% variable

Annual Fee

None

Credit Needed

Good to Excellent

Unlimited 2% cash back on all purchases

Pros

Offers unlimited 2% cash back on all purchases
No annual, balance transfer, and foreign transaction fees

Cons

No interest-free financing option for purchases
Exclusive for RBFCU members
No introductory rewards
RBFCU is only located in the following cities in Texas: Austin, Corpus Christi, Dallas-Fort Worth, and San Antonio

Fraud monitoring and alerts: RBFCU ensures their cardholders 24/7 monitoring of any possible fraudulent transaction, and will notify you as soon as they identify one.
Additional authorized users: Primary cardholders can add up to three authorized users in their credit card account. It should be noted that authorized users must have an existing RBFCU primary savings account that is in good standing.
Travel accident insurance: RBFCU provides its cardholders $1 million in travel accident insurance.
Billing breakdowns: You can customize your bills by maintaining only one credit card account for all your cards.

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Regions Visa Business Credit Card

BEST FOR:

New business owners seeking a low minimum regular APR

Apply Now

on Regions Visa Business Credit Card's secure website.

Intro APR

0% APR on the first 6 months after account opening

Regular APR

13.99% to 24.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

0% Intro APR on purchases
The 0% introductory APR offer applies through the end of the sixth billing cycle after the account is opened for all purchases posted within the same period.

Pros

No annual fees
With interest-free financing option
Offers

Cons

Regions Bank only has branches in 15 out of their listed 16 states
No rewards system for both new and existing cardholders
No signup bonus

Protection against fraudulent activities: Regions Bank will let you know if there are any suspicious activities that may appear fraudulent.
Online account management: Regions Bank offers an online account management portal that can be accessed through the web and the mobile to manage your accounts, monitor your available balances, and create alerts on account activities.
Auto Rental Collision Damage Waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, this will be made available to you as the primary cardholder.

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Review

Intro APR

0% APR on the first 6 months after account opening

Regular APR

13.99% to 24.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

0% Intro APR on purchases
The 0% introductory APR offer applies through the end of the sixth billing cycle after the account is opened for all purchases posted within the same period.

Pros

No annual fees
With interest-free financing option
Offers

Cons

Regions Bank only has branches in 15 out of their listed 16 states
No rewards system for both new and existing cardholders
No signup bonus

Protection against fraudulent activities: Regions Bank will let you know if there are any suspicious activities that may appear fraudulent.
Online account management: Regions Bank offers an online account management portal that can be accessed through the web and the mobile to manage your accounts, monitor your available balances, and create alerts on account activities.
Auto Rental Collision Damage Waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, this will be made available to you as the primary cardholder.

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Regions Visa Business Enhanced Rewards Credit Card

BEST FOR:

Those who want a fixed rate points system from Regions Bank

Apply Now

on Regions Visa Business Enhanced Rewards Credit Card's secure website.

Intro APR

0% APR for the first 6 months after account opening

Regular APR

15.99% to 26.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

1 Relationship Point for every dollar spent on qualified purchases.
Through Visa®®® SavingsEdge, you can earn automatic savings of up to 15% on eligible purchases with designated merchants

Pros

Doesn’t charge annual fees
With 0% introductory APR on purchases

Cons

Doesn’t have 0% introductory APR on balance transfers
Regions Bank only has branches in 15 out of their listed 16 states
Need an active Regions Bank checking and savings accounts to maximize points being earned

Travel and emergency assistance services: These will be made available to you and your spouse and children (dependents 22 years old and younger) in the event of an emergency while traveling away from home.
Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
Purchase security: If damage was incurred in your purchase due to fire, vandalism or accidentally discharged water or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.

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Review

Intro APR

0% APR for the first 6 months after account opening

Regular APR

15.99% to 26.99% variable

Annual Fee

None

Credit Needed

Good to Excellent

1 Relationship Point for every dollar spent on qualified purchases.
Through Visa®®® SavingsEdge, you can earn automatic savings of up to 15% on eligible purchases with designated merchants

Pros

Doesn’t charge annual fees
With 0% introductory APR on purchases

Cons

Doesn’t have 0% introductory APR on balance transfers
Regions Bank only has branches in 15 out of their listed 16 states
Need an active Regions Bank checking and savings accounts to maximize points being earned

Travel and emergency assistance services: These will be made available to you and your spouse and children (dependents 22 years old and younger) in the event of an emergency while traveling away from home.
Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
Purchase security: If damage was incurred in your purchase due to fire, vandalism or accidentally discharged water or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.

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Sam’s Club® Business Mastercard®

BEST FOR:

5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations

Apply Now

on Sam’s Club® Business Mastercard®'s secure website.

Intro APR

None

Regular APR

19.90% for Account Type 1, 27.90% for Account Type 2

Annual Fee

$0 except for annual Sam’s Club Plus membership fee of $100

Credit Needed

Good to Excellent

Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases

Pros

No annual fee
No foreign transaction fees

Cons

Need to be a Sam’s Club member to qualify
Doesn’t have 0% introductory annual percentage rate (APR) on purchases
Must be a Sam’s Club Plus membership to maximize rewards

600 branches: Sam’s Club has around 600 branches across the U.S. and Puerto Rico.
2-in-1 card: This credit card can also be your Sam’s Club membership card.
Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.

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Review

Intro APR

None

Regular APR

19.90% for Account Type 1, 27.90% for Account Type 2

Annual Fee

$0 except for annual Sam’s Club Plus membership fee of $100

Credit Needed

Good to Excellent

Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases

Pros

No annual fee
No foreign transaction fees

Cons

Need to be a Sam’s Club member to qualify
Doesn’t have 0% introductory annual percentage rate (APR) on purchases
Must be a Sam’s Club Plus membership to maximize rewards

600 branches: Sam’s Club has around 600 branches across the U.S. and Puerto Rico.
2-in-1 card: This credit card can also be your Sam’s Club membership card.
Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.

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Shell Small Business Card

BEST FOR:

Larger businesses

Apply Now

on Shell Small Business Card's secure website.

Intro APR

N/A

Regular APR

rates not disclosed—call (855) 398-9165 for the rates

Annual Fee

None

Credit Needed

Good

Earn rebates of up to 5 cents per gallon

Pros

Zero card fees
Discounts at Jiffy Lube locations

Cons

Businesses need to earn at least $1 million annually to qualify
Total savings capped at $300 per billing cycle

Online and mobile account management
Cancel stolen or lost cards in real time online
24/7 customer service available
Payment flexibility―revolve your balance or pay in full each billing cycle

Intro APR

N/A

Regular APR

rates not disclosed—call (855) 398-9165 for the rates

Annual Fee

None

Credit Needed

Good

Earn rebates of up to 5 cents per gallon

Pros

Zero card fees
Discounts at Jiffy Lube locations

Cons

Businesses need to earn at least $1 million annually to qualify
Total savings capped at $300 per billing cycle

Online and mobile account management
Cancel stolen or lost cards in real time online
24/7 customer service available
Payment flexibility―revolve your balance or pay in full each billing cycle

SKYPASS Visa Signature® Business Card

BEST FOR:

Those who travel with Korean Air frequently

Apply Now

on SKYPASS Visa Signature® Business Card's secure website.

Intro APR

None

Regular APR

22.99% to 29.99% variable

Annual Fee

$95 for Account Owners and $95 for Authorized Employees

Credit Needed

Good to Excellent

2 miles for every eligible $1 you spend on Korean Air ticket purchases
2 miles for every eligible $1 you spend at gas stations and hotels
1 mile for every $1 you spend on all other eligible purchases

Pros

Charges low annual fee for a travel rewards business credit card
Offers bonus miles upon renewal
Doesn’t charge foreign transaction fees

Cons

Doesn’t have 0% introductory APR
With additional fees for employee cards
Low ongoing rewards

Morning Calm Club membership: Cardholders are entitled to exclusive check-in services, KAL lounge access, priority baggage handling, and SkyTeam Elite member status.
Visa Business reporting: You can manage expenses made by your employees and set customizable spending rules through U.S. Bank’s Visa Business Spending.
Auto rental collision damage waiver: You’ll receive auto rental collision damage waiver insurance when you rent a car using this card, letting you decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
Travel and emergency assistance services: Visa provides assistance and referrals 24/7 while you are traveling away from home. Restrictions and limitations may apply, so check your SKYPASS Visa Guide to Benefits for more information.

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Review

Intro APR

None

Regular APR

22.99% to 29.99% variable

Annual Fee

$95 for Account Owners and $95 for Authorized Employees

Credit Needed

Good to Excellent

2 miles for every eligible $1 you spend on Korean Air ticket purchases
2 miles for every eligible $1 you spend at gas stations and hotels
1 mile for every $1 you spend on all other eligible purchases

Pros

Charges low annual fee for a travel rewards business credit card
Offers bonus miles upon renewal
Doesn’t charge foreign transaction fees

Cons

Doesn’t have 0% introductory APR
With additional fees for employee cards
Low ongoing rewards

Morning Calm Club membership: Cardholders are entitled to exclusive check-in services, KAL lounge access, priority baggage handling, and SkyTeam Elite member status.
Visa Business reporting: You can manage expenses made by your employees and set customizable spending rules through U.S. Bank’s Visa Business Spending.
Auto rental collision damage waiver: You’ll receive auto rental collision damage waiver insurance when you rent a car using this card, letting you decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
Travel and emergency assistance services: Visa provides assistance and referrals 24/7 while you are traveling away from home. Restrictions and limitations may apply, so check your SKYPASS Visa Guide to Benefits for more information.

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Southwest® Rapid Rewards® Performance Business Credit Card

BEST FOR:

Those who fly Southwest Airlines frequently

Apply Now

On Chase's Secure Website

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$199

Credit Needed

Good - Excellent

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
9,000 bonus points after your Cardmember anniversary.
Earn 4X points on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
4 Upgraded Boardings per year when available.
Global Entry or TSA PreCheck® Fee Credit.

Pros

Offers the best rewards for Southwest purchases as compared to other Southwest cards
Doesn’t charge foreign transaction fees
With sign-up bonus

Cons

Charge high annual fees
No interest-free financing period on purchases and balance transfers

Baggage daily insurance: You’ve covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.

Read Full
Review

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$199

Credit Needed

Good - Excellent

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
9,000 bonus points after your Cardmember anniversary.
Earn 4X points on Southwest® purchases.
Earn 3X points on Rapid Rewards® hotel and car partners.
Earn 2X points on rideshare.
Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
4 Upgraded Boardings per year when available.
Global Entry or TSA PreCheck® Fee Credit.

Pros

Offers the best rewards for Southwest purchases as compared to other Southwest cards
Doesn’t charge foreign transaction fees
With sign-up bonus

Cons

Charge high annual fees
No interest-free financing period on purchases and balance transfers

Baggage daily insurance: You’ve covered with baggage daily insurance if your checked luggage is delayed or misdirected by a carrier for more than six hours.
Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the entire rental cost to your card.
Lost baggage reimbursement: If you or a family member have checked or carry-on luggage that’s lost or damaged by the carrier, you’re covered up to $3,000 per passenger.
Employee cards: Earn more points on your employee spending by issuing additional cards at no additional cost.

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Southwest® Rapid Rewards® Premier Business Credit Card

BEST FOR:

Receiving rewards on Southwest purchases

Apply Now

On Chase's Secure Website

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
6,000 bonus points after your Cardmember anniversary.
Earn 3X points on Southwest Airlines® purchases.
Earn 2X points on Rapid Rewards® hotel and car partners.
Earn 2X points on rideshare.
1 point per $1 spent on all other purchases.
2 EarlyBird Check-In® each year.
Earn unlimited tier qualifying points towards A-List status.

Pros

No blackout dates and unlimited reward seats
Low annual fee
No foreign transaction fees

Cons

No introductory 0% APR
Lacks premium Southwest Airlines perks
Limited rewards

Lost luggage reimbursement: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours; up to $100 a day for three days.
Purchase protection: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

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Review

Intro APR

N/A

Regular APR

20.99% - 27.99% Variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
6,000 bonus points after your Cardmember anniversary.
Earn 3X points on Southwest Airlines® purchases.
Earn 2X points on Rapid Rewards® hotel and car partners.
Earn 2X points on rideshare.
1 point per $1 spent on all other purchases.
2 EarlyBird Check-In® each year.
Earn unlimited tier qualifying points towards A-List status.

Pros

No blackout dates and unlimited reward seats
Low annual fee
No foreign transaction fees

Cons

No introductory 0% APR
Lacks premium Southwest Airlines perks
Limited rewards

Lost luggage reimbursement: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours; up to $100 a day for three days.
Purchase protection: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

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State Farm® Business Cash Rewards Visa Signature®

BEST FOR:

Those with existing insurance premiums with State Farm

Apply Now

on State Farm® Business Cash Rewards Visa Signature®'s secure website.

Intro APR

0% Introductory APR on purchases and balance transfers for 12 billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good, Excellent

3% cash back on State Farm insurance premium payments, up to $4,000 spent annually
3% cash back at gas stations, cellphone service providers, office supply stores and on dining, including takeout and food delivery service purchases
1% cash back on all other eligible purchases
$100 credit to your State Farm Business Cash Rewards Account within two statement billing cycles after 11 consecutive months of eligible software service subscription purchases

Pros

Doesn’t charge annual fees
Earn cash back on State Farm insurance premiums
With auto insurance deductible reimbursement

Cons

Charges foreign transaction and balance transfer fees
No rewards for new cardholders
Purchases greater than $200 are not considered automotive gasoline purchase, and won’t qualify for the gas station category

Auto deductible reimbursement: State Farm allows you to cut down on unexpected expenses by getting reimbursed up to $200 of your auto policy deductible after experiencing a covered loss for as long as you made a minimum of eight net purchases in the past month.
Cellphone protection: You can protect your cellphone every time you pay your bills and your eligible cellphone can be reimbursed up to $600 should it be stolen or damaged after paying your monthly cellphone bills
Personal identity theft: This feature provides reimbursement for the covered expenses incurred to restore your identity.
Purchase security: New items can be protected against theft or damage for the first 90 days from the date of purchase with your State Farm® Business Cash Rewards Visa Signature®

Read Full
Review

Intro APR

0% Introductory APR on purchases and balance transfers for 12 billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good, Excellent

3% cash back on State Farm insurance premium payments, up to $4,000 spent annually
3% cash back at gas stations, cellphone service providers, office supply stores and on dining, including takeout and food delivery service purchases
1% cash back on all other eligible purchases
$100 credit to your State Farm Business Cash Rewards Account within two statement billing cycles after 11 consecutive months of eligible software service subscription purchases

Pros

Doesn’t charge annual fees
Earn cash back on State Farm insurance premiums
With auto insurance deductible reimbursement

Cons

Charges foreign transaction and balance transfer fees
No rewards for new cardholders
Purchases greater than $200 are not considered automotive gasoline purchase, and won’t qualify for the gas station category

Auto deductible reimbursement: State Farm allows you to cut down on unexpected expenses by getting reimbursed up to $200 of your auto policy deductible after experiencing a covered loss for as long as you made a minimum of eight net purchases in the past month.
Cellphone protection: You can protect your cellphone every time you pay your bills and your eligible cellphone can be reimbursed up to $600 should it be stolen or damaged after paying your monthly cellphone bills
Personal identity theft: This feature provides reimbursement for the covered expenses incurred to restore your identity.
Purchase security: New items can be protected against theft or damage for the first 90 days from the date of purchase with your State Farm® Business Cash Rewards Visa Signature®

Read Full Review

SVB Innovators Card

BEST FOR:

Those who do not want a personal guarantee

Apply Now

on SVB Innovators Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None

Credit Needed

Excellent

Unlimited 2x points per dollar on every purchase, with no caps or spending category restrictions

Pros

Doesn’t charge annual and foreign transaction fees
No personal liability is required

Cons

Doesn’t offer 0% introductory APR
Requires excellent credit
Needs to pay the balance in full each month
Doesn’t have sign-up bonus

No personal liability: You don’t need to be personally liable for your business’s credit card debts because this business charge card doesn’t require a personal guarantee, meaning that SVB won’t go after your personal assets in case you fail to pay off your balance.
Travel and expense (T&E): You can save time with T&E tools like in-app receipt capture and real-time updates for seamless reporting.
Expense app integration: You can integrate your accounting with Xero, QuickBooks, Intacct, and NetSuite.

Read Full
Review

Intro APR

N/A

Regular APR

N/A

Annual Fee

None

Credit Needed

Excellent

Unlimited 2x points per dollar on every purchase, with no caps or spending category restrictions

Pros

Doesn’t charge annual and foreign transaction fees
No personal liability is required

Cons

Doesn’t offer 0% introductory APR
Requires excellent credit
Needs to pay the balance in full each month
Doesn’t have sign-up bonus

No personal liability: You don’t need to be personally liable for your business’s credit card debts because this business charge card doesn’t require a personal guarantee, meaning that SVB won’t go after your personal assets in case you fail to pay off your balance.
Travel and expense (T&E): You can save time with T&E tools like in-app receipt capture and real-time updates for seamless reporting.
Expense app integration: You can integrate your accounting with Xero, QuickBooks, Intacct, and NetSuite.

Read Full Review

TD Business Solutions Credit Card

BEST FOR:

Business owners who already have existing accounts with TD Bank

Apply Now

On TD Bank's Secure Website

Intro APR

N/A

Regular APR

16.24%, 21.24%, or 26.24% variable APR depending on credit score

Annual Fee

None

Credit Needed

Good to Excellent

Earn unlimited 1% cash back on purchases with no rotating categories, no caps, or limits for as long as your credit card account is open and in good standing. An additional 1% after redeeming it into an eligible TD Bank account, making it a total of 2% cash back.

Pros

No annual fees
No cap on cash back rewards
With sign-up bonus

Cons

No interest-free financing option on both purchases and balance transfers
With foreign transaction fees
With balance transfer fees

Cellphone protection: Can get reimbursement for your stolen or damaged cellphone when paying for your wireless phone bill with your TD Business Solutions Credit Card
Extended warranty protection: Add up to one additional year of coverage on select items that was purchased with your TD Business Solutions Credit Card
Roadside dispatch®: Get access to 24/7 roadside service with this pay-per-use program. Note that certain terms and conditions will apply.
Auto rental collision damage waiver: When using TD Business Solutions Credit Card to rent a vehicle, you’ll get built-in coverage for physical damage, vandalism and theft, reasonable and customary towing
Travel and emergency assistance services: A single phone call will get you the help needed anywhere in the world

Read Full
Review

Intro APR

N/A

Regular APR

16.24%, 21.24%, or 26.24% variable APR depending on credit score

Annual Fee

None

Credit Needed

Good to Excellent

Earn unlimited 1% cash back on purchases with no rotating categories, no caps, or limits for as long as your credit card account is open and in good standing. An additional 1% after redeeming it into an eligible TD Bank account, making it a total of 2% cash back.

Pros

No annual fees
No cap on cash back rewards
With sign-up bonus

Cons

No interest-free financing option on both purchases and balance transfers
With foreign transaction fees
With balance transfer fees

Cellphone protection: Can get reimbursement for your stolen or damaged cellphone when paying for your wireless phone bill with your TD Business Solutions Credit Card
Extended warranty protection: Add up to one additional year of coverage on select items that was purchased with your TD Business Solutions Credit Card
Roadside dispatch®: Get access to 24/7 roadside service with this pay-per-use program. Note that certain terms and conditions will apply.
Auto rental collision damage waiver: When using TD Business Solutions Credit Card to rent a vehicle, you’ll get built-in coverage for physical damage, vandalism and theft, reasonable and customary towing
Travel and emergency assistance services: A single phone call will get you the help needed anywhere in the world

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The Blue Business® Plus Credit Card from American Express

Overview
Card Details

Apply Now

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

See Rates & Fees

The Blue Business® Plus Credit Card from American Express

Overview
Card Details

Apply Now

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 2X Membership Rewards® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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 for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

See Rates & Fees

The Business Platinum Card® from American Express

Overview
Card Details

Apply Now

on The Business Platinum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

19.24% - 27.24% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

See Rates & Fees

The Hilton Honors American Express Business Card

Overview
Card Details

Apply Now

on The Hilton Honors American Express Business Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

See Rates & Fees

The Plum Card® from American Express

BEST FOR:

Accessing early pay discounts or 60 days of no interest

Apply Now

on The Plum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

Good, Excellent

Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.
Terms & Restrictions Apply.

Pros

No preset spending limit
Doesn‘t charge foreign transaction fees
Offers early pay discount

Cons

Balance is due either monthly or every 60 days
No 0% introductory APR on purchases and balance transfers
Cash advance & balance transfers aren’t allowed

Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.

Read Full
Review

See Rates
& Fees

Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

Good, Excellent

Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.
Terms & Restrictions Apply.

Pros

No preset spending limit
Doesn‘t charge foreign transaction fees
Offers early pay discount

Cons

Balance is due either monthly or every 60 days
No 0% introductory APR on purchases and balance transfers
Cash advance & balance transfers aren’t allowed

Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.

Read Full Review

See Rates & Fees

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

BEST FOR:

0% APR for 12 Billing Cycles

Apply Now

On US Bank's Secure Website

Intro APR

0%*

Regular APR

13.99% - 22.99%* (Variable)

Annual Fee

$0*

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account
Earn up to 3% cash back on eligible gas station, office supply store, and cellphone/service provider net purchases
1% cash back on all other eligible net purchases
No limit on total cash back earned
Rewards never expire
25% annual bonus based on your prior year's cash rewards, up to $250
0% Intro APR* on balance transfers for 12 billing cycles; after that, a variable APR that's currently 13.99% to 22.99%
No annual fee*
Great offer from U.S. Bank, a 2021 World's Most Ethical Company®―Ethisphere Institute, February 2021

Pros

A 0% APR period on purchases on balance transfers
25% annual cash rewards bonus

Cons

Small introductory bonus offer
Balance transfer fee

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

See Rates
& Fees

Intro APR

0%*

Regular APR

13.99% - 22.99%* (Variable)

Annual Fee

$0*

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account
Earn up to 3% cash back on eligible gas station, office supply store, and cellphone/service provider net purchases
1% cash back on all other eligible net purchases
No limit on total cash back earned
Rewards never expire
25% annual bonus based on your prior year's cash rewards, up to $250
0% Intro APR* on balance transfers for 12 billing cycles; after that, a variable APR that's currently 13.99% to 22.99%
No annual fee*
Great offer from U.S. Bank, a 2021 World's Most Ethical Company®―Ethisphere Institute, February 2021

Pros

A 0% APR period on purchases on balance transfers
25% annual cash rewards bonus

Cons

Small introductory bonus offer
Balance transfer fee

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

See Rates and Fees

U.S. Bank Business Leverage® Visa Signature® Card

BEST FOR:

Expenses that shift from month to month

Apply Now

On US Bank's Secure Website

Intro APR

Regular APR

20.99% - 25.99% (Variable)

Annual Fee

$95

Credit Needed

Excellent/Good

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
Earn 2% back in the top two categories where you spend the most each month automatically.
1% cash per dollar spent on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No annual fee for the first year and $95 thereafter.
No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

Personalized ongoing rewards
Large sign-up bonus
Unlimited points

Cons

Requires excellent credit
No introductory 0% APR
Rewards have expiration

Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

Read Full
Review

See Rates
& Fees

Intro APR

Regular APR

20.99% - 25.99% (Variable)

Annual Fee

$95

Credit Needed

Excellent/Good

Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
Earn 2% back in the top two categories where you spend the most each month automatically.
1% cash per dollar spent on all other eligible purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No annual fee for the first year and $95 thereafter.
No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

Personalized ongoing rewards
Large sign-up bonus
Unlimited points

Cons

Requires excellent credit
No introductory 0% APR
Rewards have expiration

Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

Read Full Review

See Rates and Fees

U.S. Bank Business Platinum Card

BEST FOR:

Extended 0% APR period on purchases and balance transfers

Apply Now

On US Bank's Secure Website

Intro APR

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

U.S. Bank Business Platinum Card
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

With a long 0% introductory APR period on purchases and balance transfers
Does not charge annual fees
Offers ExtendPay® Plan

Cons

No introductory and ongoing rewards
Balance transfer fee is charged even during the introductory period
Needs Excellent/Good credit score to qualify

SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.

Read Full
Review

Intro APR

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

U.S. Bank Business Platinum Card
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

With a long 0% introductory APR period on purchases and balance transfers
Does not charge annual fees
Offers ExtendPay® Plan

Cons

No introductory and ongoing rewards
Balance transfer fee is charged even during the introductory period
Needs Excellent/Good credit score to qualify

SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.

Read Full Review

U.S. Bank Business Select Rewards Card

BEST FOR:

Earning points rewards in your choice in category spending

Apply Now

On US Bank's Secure Website

Intro APR

0%*

Regular APR

11.99% - 22.99%* Variable

Annual Fee

$0*

Credit Needed

Excellent

Earn 20,000 bonus points after you spend $1000 in eligible net purchases during the first 90 days after opening your account
Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
Earn 1 point per dollar on other eligible net purchases
No cap on total points you can earn
No annual fee*
Net purchases are purchases minus credits and returns
Variable APR currently at 11.99% - 22.99%* Variable

Pros

Bonus category rewards on everyday business expenses
Interest-free financing period
Sign-up bonus offer

Cons

Earns top rate in only one spending category
Rewards expire after five years
Points are non-transferrable

Card Auto Rental Collision Damage Waiver: Waive the rental car merchant’s insurance and you’ll be covered in the event the rental vehicle is damaged or stolen, up to the vehicle’s value.
Purchase Protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase.
Extended Warranty Protection: Get double the warranty protection on manufacturer’s warranties of three years or less.
Travel and Emergency Services: Access to 24-hour emergency, medical, travel, and legal assistance.

See Rates
& Fees

Intro APR

0%*

Regular APR

11.99% - 22.99%* Variable

Annual Fee

$0*

Credit Needed

Excellent

Earn 20,000 bonus points after you spend $1000 in eligible net purchases during the first 90 days after opening your account
Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
Earn 1 point per dollar on other eligible net purchases
No cap on total points you can earn
No annual fee*
Net purchases are purchases minus credits and returns
Variable APR currently at 11.99% - 22.99%* Variable

Pros

Bonus category rewards on everyday business expenses
Interest-free financing period
Sign-up bonus offer

Cons

Earns top rate in only one spending category
Rewards expire after five years
Points are non-transferrable

Card Auto Rental Collision Damage Waiver: Waive the rental car merchant’s insurance and you’ll be covered in the event the rental vehicle is damaged or stolen, up to the vehicle’s value.
Purchase Protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase.
Extended Warranty Protection: Get double the warranty protection on manufacturer’s warranties of three years or less.
Travel and Emergency Services: Access to 24-hour emergency, medical, travel, and legal assistance.

See Rates and Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

BEST FOR:

0% APR for 15 billing cycles

Apply Now

On US Bank's Secure Website

Intro APR

Regular APR

18.99% - 27.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No limit on total cash back earned.
Rewards never expire.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
No annual fee.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No annual fee

Cons

Balance transfer fee is charged even during the introductory period
Intro APR doesn’t apply to cash advances

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

Read Full
Review

Intro APR

Regular APR

18.99% - 27.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
No limit on total cash back earned.
Rewards never expire.
Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
No annual fee.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No annual fee

Cons

Balance transfer fee is charged even during the introductory period
Intro APR doesn’t apply to cash advances

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

Read Full Review

U.S. Bank FlexPerks® Business Travel Rewards

BEST FOR:

Earning travel rewards on office supply, gas, cell phones expenses

Apply Now

On US Bank's Secure Website

Intro APR

N/A

Regular APR

11.99% to 22.99%* Variable

Annual Fee

$0* Intro for first year; $55* thereafter

Credit Needed

Good - Excellent

Earn 25,000 enrollment FlexPoints worth $375 on airfaire, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
Earn 1 point for every other eligible net dollar spent.
$25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card
If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.

Pros

$25 Airline Allowance
Annual fee waived for the first year

Cons

Lower-than-average tiered rewards
No 0% APR period

Car rental discounts: Receive discounts from National Car Rental, Enterprise Rent-A-Car, and Alamo Rent A Car when you use your card for the transaction.
Auto Rental Collision Damage Waiver: Receive coverage in the event your rental vehicle is damaged or stolen, up to the cash value of the vehicle.
Purchase protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase, up to $500 per claim and up to $50,000 per account holder.
Extended warranty protection: U.S. Bank will double any manufacturer’s warranty that’s three years or less.
Travel accident Insurance: Receive coverage in the event of travel accidents resulting in bodily harm, including death, up to $500,00.
Travel and Emergency Services: Cardholders have access to 24-hour travel, medical, emergency, and legal assistance.

See Rates
& Fees

Intro APR

N/A

Regular APR

11.99% to 22.99%* Variable

Annual Fee

$0* Intro for first year; $55* thereafter

Credit Needed

Good - Excellent

Earn 25,000 enrollment FlexPoints worth $375 on airfaire, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
Earn 1 point for every other eligible net dollar spent.
$25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card
If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.

Pros

$25 Airline Allowance
Annual fee waived for the first year

Cons

Lower-than-average tiered rewards
No 0% APR period

Car rental discounts: Receive discounts from National Car Rental, Enterprise Rent-A-Car, and Alamo Rent A Car when you use your card for the transaction.
Auto Rental Collision Damage Waiver: Receive coverage in the event your rental vehicle is damaged or stolen, up to the cash value of the vehicle.
Purchase protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase, up to $500 per claim and up to $50,000 per account holder.
Extended warranty protection: U.S. Bank will double any manufacturer’s warranty that’s three years or less.
Travel accident Insurance: Receive coverage in the event of travel accidents resulting in bodily harm, including death, up to $500,00.
Travel and Emergency Services: Cardholders have access to 24-hour travel, medical, emergency, and legal assistance.

See Rates and Fees

Union Bank® Business Secured Visa® Credit Card

BEST FOR:

Low annual percentage rate (APR)

Apply Now

on Union Bank® Business Secured Visa® Credit Card's secure website.

Intro APR

16.99%

Regular APR

16.24% variable for purchases and balance transfers

Annual Fee

$30

Credit Needed

Bad to Excellent

Grow your company with a secured credit limit of up to $25,000.
With a low $30 annual fee, keep your company’s money at work where it matters most.

Pros

Low annual fee
Owners with bad credit can apply
Fixed ongoing APR

Cons

With security deposit
No interest-free financing option
No rewards for new and existing cardholders
High balance transfer and cash advance fees

Mobile access: Enjoy 24/7 access to mobile site to allow you to access your account wherever and whenever safely and securely
Swipe smarter: This card features advanced technology for enhanced safety and protection against fraud
Customized account alerts: Tailor your banking experience to include customized account alerts keeping you updated and informed
Auto rental collision damage: You’re covered for damage due to collision or theft
Zero fraud liability: You won’t be held responsible for unauthorized charges made with your account or account information

Read Full
Review

Intro APR

16.99%

Regular APR

16.24% variable for purchases and balance transfers

Annual Fee

$30

Credit Needed

Bad to Excellent

Grow your company with a secured credit limit of up to $25,000.
With a low $30 annual fee, keep your company’s money at work where it matters most.

Pros

Low annual fee
Owners with bad credit can apply
Fixed ongoing APR

Cons

With security deposit
No interest-free financing option
No rewards for new and existing cardholders
High balance transfer and cash advance fees

Mobile access: Enjoy 24/7 access to mobile site to allow you to access your account wherever and whenever safely and securely
Swipe smarter: This card features advanced technology for enhanced safety and protection against fraud
Customized account alerts: Tailor your banking experience to include customized account alerts keeping you updated and informed
Auto rental collision damage: You’re covered for damage due to collision or theft
Zero fraud liability: You won’t be held responsible for unauthorized charges made with your account or account information

Read Full Review

United Club℠ Business Card

BEST FOR:

United Airlines enthusiasts who use airport lounge access regularly

Apply Now

On Chase's Secure Website

Intro APR

N/A

Regular APR

21.49% to 28.49% Variable

Annual Fee

$450

Credit Needed

Good - Excellent

75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
United ClubSM membership
Two Premier Access® travel services
First and second checked bag free
Earn double miles on tickets purchased from United
Earn 1.5 miles per $1 spent on all other purchases
No foreign transaction fees

Pros

Offers free first and second checked bags
With sign-up bonus
With lounge membership

Cons

Charges high annual fee
Has no 0% introductory APR
Rewards have limited flexibility

United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.

Read Full
Review

Intro APR

N/A

Regular APR

21.49% to 28.49% Variable

Annual Fee

$450

Credit Needed

Good - Excellent

75,000 bonus miles after spending $5,000 on purchases within the first three months after account opening
United ClubSM membership
Two Premier Access® travel services
First and second checked bag free
Earn double miles on tickets purchased from United
Earn 1.5 miles per $1 spent on all other purchases
No foreign transaction fees

Pros

Offers free first and second checked bags
With sign-up bonus
With lounge membership

Cons

Charges high annual fee
Has no 0% introductory APR
Rewards have limited flexibility

United Club membership: You and other eligible travel companions will receive free access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
Avis President’s Club®: Primary cardholders are invited to enroll in Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental services, and more.
Free two checked bags: The primary cardholder and their companion traveling with the same reservation will each receive free checked bags (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person).
Lost luggage reimbursement: You and your immediate family member are covered up to $3,000 if you check or carry luggage damaged or lost by the carrier.
Baggage delay insurance: If there’s a baggage delay of more than six hours, you can be reimbursed for essential purchases, such as toiletries and clothing, up to $100 a day for three days.

Read Full Review

United Community Bank Business Card

Apply Now

on United Community Bank Business Card's secure website.

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good to Excellent

Pros

Long 0% APR period on both purchases and balance transfer transactions
No annual fee
Flexible purchasing power

Cons

No sign up bonus
No ongoing rewards
Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee

Free employee cards
Zero fraud liability
Free online reporting tools

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good to Excellent

Pros

Long 0% APR period on both purchases and balance transfer transactions
No annual fee
Flexible purchasing power

Cons

No sign up bonus
No ongoing rewards
Branches are only available in Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee

Free employee cards
Zero fraud liability
Free online reporting tools

United℠ Business Card

BEST FOR:

Frequent United Airlines flyers who want to earn travel rewards

Apply Now

On Chase's Secure Website

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

Pros

Doesn’t charge annual transaction fees
With generous sign-up bonus
High rewards rate

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Charges annual fees during the second year
Need to pay separately for unlimited access to United Club

Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.

Read Full
Review

Intro APR

N/A

Regular APR

21.49% - 28.49% Variable

Annual Fee

$99

Credit Needed

Good - Excellent

Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $99.
Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Member FDIC

Pros

Doesn’t charge annual transaction fees
With generous sign-up bonus
High rewards rate

Cons

Doesn’t offer 0% introductory APR on purchases and balance transfers
Charges annual fees during the second year
Need to pay separately for unlimited access to United Club

Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
Lost luggage reimbursement: if your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.

Read Full Review

United℠ Explorer Business Card

BEST FOR:

Earning miles redeemable toward United Airlines travel

Learn More

on United℠ Explorer Business Card's secure website.

Intro APR

N/A

Regular APR

16.49% - 23.49% Variable

Annual Fee

$95

Credit Needed

Good - Excellent

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores
Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

Note: This card is no longer being offered

Pros

Low annual fee
No foreign transaction fees
Premier status tiers to Premier 1K

Cons

No 0% introductory APR
Low ongoing travel rewards

Read Full
Review

Intro APR

N/A

Regular APR

16.49% - 23.49% Variable

Annual Fee

$95

Credit Needed

Good - Excellent

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores
Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

Note: This card is no longer being offered

Pros

Low annual fee
No foreign transaction fees
Premier status tiers to Premier 1K

Cons

No 0% introductory APR
Low ongoing travel rewards

Read Full Review

Valley Visa® Secured Business Credit Card

Apply Now

on Valley Visa® Secured Business Credit Card's secure website.

Intro APR

0% APR for nine billing cycles

Regular APR

15.70% to 27.25% variable

Annual Fee

None

Credit Needed

Poor, Limited

1% unlimited cash back on all purchases

Pros

Customers with limited credit history or credit issues can still qualify
Offers 0% APR for nine months
No annual fee
Offers 1% unlimited cash back on all purchases

Cons

Credit limits are up to $25,000 only
Requires a security deposit equivalent to 110% of requested credit limit
Up to 25 free employee cards only

Online account access
Immediate fraud protection alerts for suspected fraudulent transactions
Visa purchase alerts
The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use

Intro APR

0% APR for nine billing cycles

Regular APR

15.70% to 27.25% variable

Annual Fee

None

Credit Needed

Poor, Limited

1% unlimited cash back on all purchases

Pros

Customers with limited credit history or credit issues can still qualify
Offers 0% APR for nine months
No annual fee
Offers 1% unlimited cash back on all purchases

Cons

Credit limits are up to $25,000 only
Requires a security deposit equivalent to 110% of requested credit limit
Up to 25 free employee cards only

Online account access
Immediate fraud protection alerts for suspected fraudulent transactions
Visa purchase alerts
The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use

Capital One Venture personal credit cards for business use

Venture® Rewards from Capital One®

BEST FOR:

Unlimited travel rewards and top-tier travel benefits

Apply Now

On Capital One's Secure Website

Intro APR

N/A

Regular APR

17.24% to 24.49% Variable

Annual Fee

$95, waived first year

Credit Needed

Good - Excellent

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Pros

Flexible rewards redemption
Large miles-based sign-up bonus
Receive up to $100 credit on Global Entry or TSA Pre✓®

Cons

Charges an annual fee
Redemption value for cash is less than travel
Requires excellent credit

Travel accident insurance: Receive travel accident insurance for a covered loss at no charge when you use your card to pay for your travel fare.
Extended warranty protection: Receive additional warranty protection at no charge on eligible purchases.
Car rental insurance: When you rent a car using your card, you’ll be covered for damage due to collision or theft.

Intro APR

N/A

Regular APR

17.24% to 24.49% Variable

Annual Fee

$95, waived first year

Credit Needed

Good - Excellent

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Pros

Flexible rewards redemption
Large miles-based sign-up bonus
Receive up to $100 credit on Global Entry or TSA Pre✓®

Cons

Charges an annual fee
Redemption value for cash is less than travel
Requires excellent credit

Travel accident insurance: Receive travel accident insurance for a covered loss at no charge when you use your card to pay for your travel fare.
Extended warranty protection: Receive additional warranty protection at no charge on eligible purchases.
Car rental insurance: When you rent a car using your card, you’ll be covered for damage due to collision or theft.

Wells Fargo Business Elite SignatureCard®

BEST FOR:

Businesses with over $1 million in annual sales

Apply Now

On Wells Fargo's Secure Website

Intro APR

N/A

Regular APR

Prime + 3.99% on purchases

Annual Fee

$125 annual fee, waived the first year

Credit Needed

Excellent

Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
No foreign transaction fee
Up to 200 employee cards
Bill payment options
Online Business reporting tool
$0 additional card fee

See Full Editorial Review Here

Pros

Low ongoing APR
Up to 200 free employee cards
Spending controls

Cons

No introductory APR
Offers no bonus category rewards
Cannot apply online

Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
Business Elite online reporting: Review and track business analytics and spending habits conveniently.
Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.

Read Full
Review

Intro APR

N/A

Regular APR

Prime + 3.99% on purchases

Annual Fee

$125 annual fee, waived the first year

Credit Needed

Excellent

Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
No foreign transaction fee
Up to 200 employee cards
Bill payment options
Online Business reporting tool
$0 additional card fee

See Full Editorial Review Here

Pros

Low ongoing APR
Up to 200 free employee cards
Spending controls

Cons

No introductory APR
Offers no bonus category rewards
Cannot apply online

Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
Business Elite online reporting: Review and track business analytics and spending habits conveniently.
Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.

Read Full Review

Wells Fargo Business Platinum Credit Card

BEST FOR:

Those with a Wells Fargo checking or savings account that has been open for at least one year

Apply Now

On Wells Fargo's Secure Website

Intro APR

Regular APR

Prime + 7.99% to Prime + 17.99% on purchases

Annual Fee

Credit Needed

Good to Excellent

Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
No annual card fee, plus up to 99 employee cards (no additional fee)
Cash management tools
Spending reports available online
Online banking and bill payment options

Pros

Cardholders can choose between cash back or points in earning rewards
With an interest-free financing period for the first nine billing cycles
Can create up to 99 employee cards at no additional cost

Cons

Cash back rewards are distributed on a quarterly basis
You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify

Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
Employee cards: You can create up to 99 employee cards at no additional cost
Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.

Read Full
Review

Intro APR

Regular APR

Prime + 7.99% to Prime + 17.99% on purchases

Annual Fee

Credit Needed

Good to Excellent

Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
No annual card fee, plus up to 99 employee cards (no additional fee)
Cash management tools
Spending reports available online
Online banking and bill payment options

Pros

Cardholders can choose between cash back or points in earning rewards
With an interest-free financing period for the first nine billing cycles
Can create up to 99 employee cards at no additional cost

Cons

Cash back rewards are distributed on a quarterly basis
You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify

Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
Employee cards: You can create up to 99 employee cards at no additional cost
Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.

Read Full Review

Wells Fargo Business Secured Credit Card

BEST FOR:

Business owners with poor credit

Apply Now

On Wells Fargo's Secure Website

Intro APR

N/A

Regular APR

Prime + 11.90% on purchases

Annual Fee

None

Credit Needed

N/A

Cash Back option:
Earn 1.5% cash back on every $1 spent
Reward Points option:
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
$0 annual rewards program fee
$500 to $25,000 credit line
Zero liability protection

Pros

Businesses with low or bad credit scores can qualify
Your choice of fixed-rate cash back or points rewards
No annual fee

Cons

Requires a security deposit of at least $500
Credit limit will be based on the security deposit

Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
Design studio: Include a personal image or business design on your credit card.

Read Full
Review

Intro APR

N/A

Regular APR

Prime + 11.90% on purchases

Annual Fee

None

Credit Needed

N/A

Cash Back option:
Earn 1.5% cash back on every $1 spent
Reward Points option:
Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
$0 annual rewards program fee
$500 to $25,000 credit line
Zero liability protection

Pros

Businesses with low or bad credit scores can qualify
Your choice of fixed-rate cash back or points rewards
No annual fee

Cons

Requires a security deposit of at least $500
Credit limit will be based on the security deposit

Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
Design studio: Include a personal image or business design on your credit card.

Read Full Review

WEX FlexCard

BEST FOR:

Those who don't want setup & annual fees

Apply Now

on WEX FlexCard's secure website.

Intro APR

N/A

Regular APR

Prime + 12.74%

Annual Fee

None

Credit Needed

Poor, Good

3 cents off per gallon

Pros

No annual or setup fee
Accepted at 95% of US fuel stations and 45,000 service locations

Cons

Low rebates
Cannot be used for other business purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Roadside services

Intro APR

N/A

Regular APR

Prime + 12.74%

Annual Fee

None

Credit Needed

Poor, Good

3 cents off per gallon

Pros

No annual or setup fee
Accepted at 95% of US fuel stations and 45,000 service locations

Cons

Low rebates
Cannot be used for other business purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Roadside services

World of Hyatt Business Credit Card

BEST FOR:

Those who primarily stay at Hyatt hotels

Apply Now

on World of Hyatt Business Credit Card's secure website.

Intro APR

N/A

Regular APR

21.24% - 28.24% Variable

Annual Fee

$199

Credit Needed

Good to Excellent

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Member FDIC

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Premium features and rewards

Cons

Charges annual fee
Doesn’t have 0% introductory APR

Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.

Read Full
Review

Intro APR

N/A

Regular APR

21.24% - 28.24% Variable

Annual Fee

$199

Credit Needed

Good to Excellent

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Member FDIC

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Premium features and rewards

Cons

Charges annual fee
Doesn’t have 0% introductory APR

Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.

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Wyndham Rewards Earner® Business Card

BEST FOR:

Those who frequently stay at Wyndham hotels

Apply Now

on Wyndham Rewards Earner® Business Card's secure website.

Intro APR

0% APR for six billing cycles on all Wyndham Timeshare purchases

Regular APR

20.99%, 24.99%, or 29.99% variable

Annual Fee

$95

Credit Needed

Good to Excellent

Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
5 points per dollar on eligible marketing, advertising, and utility purchases
15,000 annual bonus points each anniversary year

Pros

Offers 0% introductory annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
With premium rewards and anniversary bonus
Generous sign-up bonus

Cons

Introductory APR does not apply to regular purchases and balance transfers
Charges an annual fee of $95

Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.

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Review

Intro APR

0% APR for six billing cycles on all Wyndham Timeshare purchases

Regular APR

20.99%, 24.99%, or 29.99% variable

Annual Fee

$95

Credit Needed

Good to Excellent

Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
5 points per dollar on eligible marketing, advertising, and utility purchases
15,000 annual bonus points each anniversary year

Pros

Offers 0% introductory annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
With premium rewards and anniversary bonus
Generous sign-up bonus

Cons

Introductory APR does not apply to regular purchases and balance transfers
Charges an annual fee of $95

Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.

Read Full Review

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