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You are here: Home / Credit Cards / 22 Best Small Business Credit Cards of February 2023

22 Best Small Business Credit Cards of February 2023

January 30, 2023 by Rob Berger

Small business credit cards offer easy access to credit along with excellent rewards. The top offers come with significant signup bonuses and fraud protection. Here are the best business credit cards of 2023.

best small business credit cards
Table of Contents
  • Best Overall Business Credit Cards
  • Cash Back Business Credit Cards
  • Travel Rewards Business Credit Cards
  • Hotel Rewards Business Credit Cards
  • Airline Business Cards
  • Choosing the Best Card for Your Business
  • Business Credit Card FAQs
  • Managing Business Expenses with a Credit Card
  • Basics of Business Credit Card Rewards
  • How to Apply for a Small Business Credit Card

Since launching my own small business in 2007, I’ve used a business credit card. While some entrepreneurs choose not to use a business card, I’ve always found it a good choice for several reasons.

For one thing, using a separate business credit card makes keeping my business expenses separate from my personal expenses a snap. Whether your business has loads of expenses or only a few, good bookkeeping is essential. Getting into the habit of charging all business-related expenses to a separate business credit card early on streamlines bookkeeping and makes tax time easier.

There’s an argument to be made, of course, for simply using a separate personal credit card for business expenses. And some solopreneurs go this route. The one major advantage to using a business credit card, however, is that it allows you to build your business’s credit. If there comes a point when you need a small business loan to expand, you’ll need this credit ready and waiting.

One final reason to consider using a business card is that it’s easier to share expenses safely. You can quickly give your partner or employees access to the company’s money through the card. And individual card-level expense tracking means you know who is spending money on what at any given time.

Business credit cards do have some caveats, which we’ll talk about below. But, first, let’s discuss our top business credit card picks for 2023.

Best Overall Business Credit Cards

Ink Business Cash® Credit Card

The Chase Ink line has been very popular among business owners, and with good reason. These cards are easy to use and offer great rewards. The Ink Business Cash® Credit Card is a great card for smaller businesses looking for excellent rewards with a simple cash back structure. You can also scale it up as you start spending more for your business. It offers flexible rewards, and rewards can be redeemed in a myriad of ways.

With all Chase Ink options, you can redeem rewards in several different ways. You can use cash to offset spending right away. Alternatively, you can use the Chase Ultimate Rewards program to buy travel tickets, hotel stays, gift cards, or other items.

The Ink Business Cash® Credit Card is an excellent card for business owners with good credit who won’t spend enough to outstrip the annual fee of the Ink Business Preferred® Credit Card (see below). It offers great cash back on spending categories typically used by business owners, as well.

Rewards:

5% cash back
Select Categories
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
2% cash back
Dining
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
2% cash back
Gas
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
1% cash back
On all other purchases
  • Signup Bonus: Earn $900 when you spend $6,000 in the first 3 months of card opening.
  • Intro APR: 0% APR on purchases for 12 months
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
  • Annual Fee: $0
Read Our Review

American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is one of the few 2% cash back credit cards. It does have a spending cap (see rewards below).

The cash back you earn is automatically credited to your statement.

You can also spend beyond your credit limit with Expanded Buying Power. But 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, and other factors.

Rewards:

2% cash back
All eligible purchases
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.
1% cash back
All eligible purchases
1% cash back after spending $50,000.
  • Welcome Bonus: Earn $250 when you spend $3,000 in the first 3 months.
  • Intro APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74% Variable, based on your creditworthiness and other factors as determined at the time of account opening.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Annual Fee: $0
Learn More

Ink Business Preferred® Credit Card

As you can see, we like the Chase Ink line here at allCards. The Ink Business Preferred® Credit Card is a bit different from the Ink Business Cash® Credit Card above, but offers some excellent rewards. This can be a good card if you’re a big spender for your business, especially in certain categories. This card does have an annual fee, but it makes up for that fee with great rewards.

The card gives you a variety of options for redeeming points, including travel, cash back, gift cards, and more. If you have great credit and spend big for your business, this is a great card to consider. Although it has a $95 annual fee, the welcome bonus alone is worth $1,250 in travel. That bonus makes the Ink Business Preferred® Credit Card one of the most lucrative rewards cards available today.

Rewards:

3x points
All eligible purchases
Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.
1x points
On all other purchases
Earn 1 point per $1 on all other purchases

  • Signup Bonus: Earn 100,000 bonus points when you spend $15,000 in the first 3 months of account opening.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $95
Read Our Review

Brex for Small Businesses

You can sign up in minutes for a Brex business credit card with higher limits and no personal guarantee or security deposit. Brex offers 10-20x higher limits than traditional business credit cards while keeping your personal credit protected. You pay off the card daily so there’s no APR. Eligible businesses can choose to pay the card off monthly.

Brex is available to corporations and other forms of non-individual liability companies. Brex underwrites with Employer Identification Numbers (EINs), not Social Security Numbers, so consumers, sole proprietors, and other unregistered businesses are ineligible. Only companies organized and registered in the United States (such as C-corps, S-corps, LLCs, or LLPs) may apply for a Brex account.

Brex also features built-in expense management, automatic receipt-matching, and instant virtual cards for your team.

To get approved you need $50,000 in your bank account if professionally invested or $100,000 if not.

Rewards:

8x points
Transit
Up to 8x points on rideshare
4x points
Travel
4x points on Brex travel
3x points
Dining
3x points on restaurants
2x points
All eligible purchases
2x points on software
1x points
On all other purchases
1x points on everything else

  • Signup Bonus: Get 10,000 points when you spend your first $1,000 on your Brex card and another 10,000 points when you spend your first $3,000 on a Brex card within your first 3 months.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0

The Blue Business® Plus Credit Card from American Express

The The Blue Business® Plus Credit Card from American Express pays 2X Membership Rewards points on every purchase (up to an annual cap). The card is ideal for those who want flexibility in how they redeem their rewards.

Rewards:

2x points
All eligible purchases
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1x points
On all other purchases
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Welcome Bonus: Earn 15,000 Membership Rewards® points after spending $3,000 in your first 3 months.
  • Intro APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74% Variable, based on your creditworthiness and other factors at account opening.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Annual Fee: $0
Learn More

Cash Back Business Credit Cards

Ink Business Unlimited® Credit Card

The third Chase Ink card is the Ink Business Unlimited® Credit Card. It’s the newest business credit card in the lineup. It offers a welcome bonus of $900 and 1.5% cash back, all with no annual fee. The Ink Business Unlimited® Credit Card is an excellent card for business owners looking for cash rewards without the annual fee.

Rewards:

1.5% cash back
All eligible purchases
1.5% cash back on all eligible purchases with no limits to the amount you can earn
  • Signup Bonus: Earn $900 when you spend $6,000 in the first 3 months from account opening.
  • Intro APR: 0% intro APR for 12 months on purchases
  • Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
  • Annual Fee: $0
Learn More

New Business Card! Ink Business Premier(SM) Credit Card

The New Business Card! Ink Business Premier(SM) Credit Card offers excellent cash back rewards but there is an annual fee of $195. One other important note about this card, it is a pay-in-full card so you can’t carry a balance. However, select purchases may be paid off over time.

Rewards:

5% cash back
Travel
Earn 5% cash back on travel purchased through Chase Ultimate Rewards.
2.5% cash back
All eligible purchases
Earn 2.5% total cash back on purchases of $5,000 or more.
2% cash back
All eligible purchases
Earn unlimited 2% cash back on all other business purchases.
  • Welcome Bonus: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $195
Learn More

Revenued Business Card Visa® Commercial Card

The Revenued Business Card Visa® Commercial Card  is unique in that you don’t need a minimum credit score to get approved. Instead, your business revenue determines your spending availability. There’s a welcome bonus, 3% rewards on every card purchase, and no annual fee. But you can only use the card domestically.

Rewards:

3% cash back
All eligible purchases
Earn 3% cash back on every single purchase.
  • Welcome Bonus: Earn $500 after spending $5,000 within your first 3 months of being a cardholder.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0
Apply Now

The Plum Card® from American Express

You can think of the The Plum Card® from American Express as a 1.5% cash back business card. You don’t get typical cash back rewards. Instead, you get an Early Payoff Discount of 1.5% when you pay early. There is no cap on what you can earn back.

You can take up to 60 days to pay with no interest when you pay your minimum due. There are also no foreign transaction fees.

Get additional employee cards at no annual fee and an early pay discount on employee spending.

Rewards: Early Payoff Discount of 1.5% when you pay early and no cap on what you can earn back.

  • Welcome Bonus: None
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $250
Learn More

Capital One Spark Cash Select - $500 Cash Bonus

The Capital One Spark Cash Select - $500 Cash Bonus is ideal for small business looking for a solid cash back offer with no annual fee. Add in the welcome bonus and this is one of the best no-fee business cards available today.

Your rewards won’t expire for the life of the account, and you can redeem your cash back for any amount.

You can also get employee cards at no additional cost, and earn rewards from their business spend.

Rewards:

5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn 5% cash back on rental cars booked through Capital One Travel.
1.5% cash back
All eligible purchases
Earn 1.5% cash back on all eligible purchases.
  • Signup Bonus: Earn $500 when you spend $4,500 in the first 3 months from account opening.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0
Learn More

Capital One Spark Classic for Business

With the Capital One Spark Classic for Business you can build business credit with responsible use.

Additional benefits include fraud coverage and no foreign transaction fees. You can also get year-end summaries and employee cards at no extra cost.

Rewards:

5% cash back
Hotels
5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
5% cash back on rental cars booked through Capital One Travel
1% cash back
On all other purchases
Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Signup Bonus: None
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0
Learn More

Travel Rewards Business Credit Cards

American Express® Business Gold Card

The American Express® Business Gold Card is a lower cost and lower reward option to the Platinum card. Its list of rewards and benefits, however, is still impressive. You can earn 70,000 Membership Rewards® points if you meet the required spend, and it offers up to 4X rewards.

There’s also an airline bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.

You can add employee cards with a no annual fee option. Plus, you can earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.

Rewards:

4x points
Select Categories
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year. 1X is earned for other eligible purchases.
1x points
On all other purchases
1X is earned for other eligible purchases.
  • Welcome Bonus: Earn 70,000 Membership Rewards® points when you spend $10,000 within the first 3 months of card membership.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $295
Learn More

Capital One Spark Miles for Business

The Capital One Spark Miles for Business offers an excellent combination of welcome bonus and ongoing rewards. You can earn 2 miles for every dollar spent on the card and 50,000 bonus miles (see spend requirement below). These miles are worth $500 in travel.

There’s no limit to the number of miles you can earn and you can transfer your miles to over 15 leading travel loyalty programs.

Other benefits include a one statement credit for either the $85 TSA PreCheck application fee or the $100 Global Entry application fee. The card has no foreign transaction fees and you can fly on any airline, anytime, with no blackout dates or seat restrictions.

Rewards:

2x points
All eligible purchases
Earn unlimited 2X miles on every purchase
  • Signup Bonus: Earn 50,000 bonus miles when you spend $4,500 within 3 months of account opening.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0 intro fee for the first year, then $95
Learn More

Capital One Spark Miles Select for Business

The Capital One Spark Miles Select for Business comes with a welcome bonus and there’s no annual fee and no foreign transaction fees. You can earn unlimited 1.5 miles per $1 on every purchase.

Fly on any airline, anytime, with no blackout dates or seat restrictions.

Rewards:

1.5x miles
All eligible purchases
Earn unlimited 1.5X miles on every purchase
  • Signup Bonus: Earn 20,000 bonus miles when you spend $3,000 within the first 3 months of account opening.
  • Intro APR: 0% intro APR for 9 months on purchases, then a variable APR of 16.99% - 26.99%
  • Foreign Transaction Fee: None
  • Annual Fee: $0
Learn More

Hotel Rewards Business Credit Cards

Marriott Bonvoy Business® American Express® Card

The Marriott Bonvoy Business® American Express® Card is ideal for businesses that frequent Marriott brand hotels. The card offers an excellent welcome bonus and up to 6X in rewards.

Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card. Plus, 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.

Rewards:

6x points
Hotels
6X points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points
Cell phone service
4X points on wireless telephone services purchased directly from U.S. service providers.
4x points
Select Categories
4X points on U.S. purchases for shipping.
4x points
Dining
4X points on purchases at restaurants worldwide.
4x points
Gas
4X points on purchases at U.S. gas stations.
2x points
On all other purchases
2X points on all other eligible purchases.
  • Welcome Bonus: Earn 75,000 Marriott Bonvoy Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $125
Read Our Review

Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is the business card for those who stay at Hilton brand hotels. It offers a generous welcome bonus and up to 12X in rewards on purchases.

Enjoy complimentary Hilton Honors Gold status and a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your card in a calendar year.

You can 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.

Rewards:

12x points
Hotels
12X at hotels and resorts in the Hilton portfolio
6x points
All eligible purchases
6X on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers
6x points
Airfare
6X on flights booked directly with airlines or with Amex Travel
6x points
Rental Cars
6X on car rentals booked directly from select car rental companies
6x points
Dining
6X at U.S. restaurants
6x points
Gas
6X at U.S. gas stations
3x points
On all other purchases
3x for all other eligible purchases
  • Welcome Bonus: Earn 130,000 Hilton Honors Bonus Points when you spend $3,000 in the first 3 months of card membership.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $95

Airline Business Cards

Southwest Airlines Business Credit Cards

There are two Southwest Airlines business credit cards. They are both great cards. One comes with an annual fee and higher rewards, the other with no annual fees and slightly lower rewards.

Southwest® Rapid Rewards® Premier Business Credit Card

The Southwest® Rapid Rewards® Premier Business Credit Card offers a welcome bonus and up to 3X points. You can also earn 6,000 bonus points after your Cardmember anniversary.

Other benefits include earning points on employee spending and no foreign transaction fees.

There are no blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees.

Rewards:

3x points
Southwest Purchases
Earn 3x points on Southwest Airlines® purchases
2x points
Hotels
Earn 2x points on Rapid Rewards® hotel partners
2x points
Rental Cars
Earn 2x points on Rapid Rewards® car partners
2x points
Transit
Earn 2x points on rideshare
1x points
On all other purchases
1 point per $1 spent on all other purchases
  • Signup Bonus: Earn 60,000 points when you spend $3,000 in the first 3 months of account opening.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $99

Southwest® Rapid Rewards® Performance Business Credit Card

The Southwest® Rapid Rewards® Performance Business Credit Card offers a welcome bonus and up to 4X points. You can also earn 9,000 bonus points after your Cardmember anniversary.

Additional benefits include 4 Upgraded Boardings per year when available, inflight WiFi Credits, and Global Entry or TSA PreCheck® Fee Credit.

Get employee cards at no additional cost and earn points on employee spending.

Rewards:

4x points
Southwest Purchases
Earn 4 points per $1 spent on Southwest purchases, including flight, inflight, and Southwest gift cards.
3x points
Hotels
Earn 3 points per $1 spent on Rapid Rewards hotel partners.
3x points
Rental Cars
Earn 3 points per $1 spent on Rapid Rewards car rental partners.
2x points
Select Categories
Earn 2 points per $1 spent on social media and search engine advertising.
2x points
Streaming services
Earn 2 points per $1 spent on internet, cable, and phone services, and select streaming.
2x points
Transit
Earn 2 points per $1 spent on local transit and commuting purchases, including rideshare, passenger trains, buses, taxis, tolls, and parking lots and garages.
1x points
On all other purchases
Earn 1 point per $1 spent on all other purchases made with your card.
  • Signup Bonus: Earn 80,000 points when you spend $5,000 in the first 3 months.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $199
Learn More

Delta Airlines Business Credit Cards

Delta offers three business credit cards. As is standard, the cards vary in annual fee and rewards–the higher the annual fee, the better the rewards.

Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles® Gold Business American Express Card offers a welcome bonus and up to 2X miles. After you spend $10,000 in purchases on your card in a calendar year, you can earn a $100 Delta Flight Credit to use toward future travel.

Enjoy Main Cabin 1 Priority Boarding and no foreign transaction fees when you spend overseas.

Rewards:

2x miles
All eligible purchases
Earn 2 Miles on every dollar spent on eligible U.S. purchases for advertising in select media, and on every dollar spent on eligible U.S. shipping purchases.
2x miles
Delta Purchases
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta.
2x miles
Dining
Earn 2 Miles on every eligible dollar spent at restaurants.
1x miles
On all other purchases
Earn 1 Mile on every eligible dollar spent on other purchases.
  • Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0 for the first year, then $99
Learn More

Delta SkyMiles® Platinum Business American Express Card

The Delta SkyMiles® Platinum Business American Express Card offers a welcome bonus and miles don’t expire.

You can also get priority boarding and check your first bag for free.

With Status Boost, earn 10,000 Medallion(R) 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.

Rewards:

3x miles
Delta Purchases
3 Miles on every dollar spent on eligible purchases made directly with Delta
3x miles
Hotels
3 miles on every eligible dollar spent on purchases made directly with hotels
1.5x miles
All eligible purchases
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 calendar year
1x miles
On all other purchases
1X miles on all other eligible purchases
  • Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/39/23.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $250

Delta SkyMiles® Reserve Business American Express Card

The Delta SkyMiles® Reserve Business American Express Card offers one of the best ways to earn bonus Delta SkyMiles. If your business is a frequent Delta flyer, this card is a must.

When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion(R) Lounge or Escape Lounge – The Centurion(R) 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).

Also, pay no foreign transaction fees when you spend overseas.

Rewards:

3x miles
Delta Purchases
3X miles on every dollar spent on eligible purchases made directly with Delta.
1.5x miles
All eligible purchases
1.5X miles per dollar after you spend $150,000 on your Card in a calendar year.
1x miles
On all other purchases
1X miles on other purchases made using the Delta SkyMiles® Reserve Business Card.
  • Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $550
Learn More

United Airlines Business Credit Cards

United(SM) Business Card

The United(SM) Business Card offers United frequent flyers an excellent welcome bonus, travel credits, and up to 2 miles per $1 spent on the card.

Other benefits include no foreign transaction fees and a free first checked bag – a savings of up to $140 per roundtrip (terms apply). Also get 2 United ClubSM one-time passes per year and priority boarding privileges.

Rewards:

2x miles
Office Supplies
2 miles per $1 spent at office supply stores.
2x miles
United Purchases
2 miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges.
2x miles
Dining
2 miles per $1 spent on dining, including eligible delivery services.
2x miles
Gas
2 miles per $1 spent at gas stations.
2x miles
Transit
2 miles per $1 spent on local transit and commuting.
1x miles
On all other purchases
1 mile per $1 spent on all other purchases.
  • Signup Bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Intro APR: None
  • Foreign Transaction Fee: None
  • Annual Fee: $0 intro annual fee for the first year, then $99

Choosing the Best Card for Your Business

These are just the top business credit cards of 2023 as we see them. We’ve vetted most of the major players available right now, and these cards offer plenty of variety for different types of businesses. However, choosing between them can be difficult.

When you’re looking at this – or any – list of business credit card options, it’s important to consider your business’s actual spending and expected spending for the coming year. If you don’t spend enough to justify a high annual fee, cross those cards off the list. Also, if you’re looking to finance a big-ticket purchase, check out the cards with the 0% introductory APR option.

Each of these cards has unique perks and benefits. The key is to ensure that those benefits line up with your current and future business spending.

Business Credit Card FAQs

When it comes to business credit cards, you might have a few questions. Here are five that we get most frequently:

Does a business credit card offer federal consumer protections?

The short answer here is no. Business credit cards aren’t protected by federal laws like the Credit CARD Act of 2009, most of the time. This means that your APR can change without notice, and there are fewer limits on fees you can be charged. Fraud protection is also not as strong with business credit cards.

With that said, credit card companies want your business, so many have individual protections written into their business credit card contracts. It’s up to you to be informed about potential fees, fraud protection, and other issues with your business card. Look closely at the fine print before you sign up for a card, as protections vary from company to company.

What’s the difference between a business charge card and a business credit card?

There are two major differences between credit cards and charge cards. Charge cards, unlike credit cards, don’t have a credit limit. However, they also have to be paid in full at the end of the month, or you’ll incur a large penalty fee. With a charge card, you have to plan spending more carefully, and keep closer track of your cash flow.

Charge cards do offer some of the same cash back and travel benefits as credit cards, though many come with annual fees.

Paying off all of your credit card balances each month is a good habit for any business owner. But the inability to carry balances over from month to month at all can be prohibitive for some. If you ever suffer a tight month and can’t pay your balance in full, you’ll already have been hit with penalty fees, even if you catch up the next month.

For many business owners, it’s better to use a credit card.

Is a business EIN required to apply for a business card?

You can use your federal EIN – employer identification number – to apply for a business credit card, but you don’t have to. Many solopreneurs never get an EIN simply because they don’t need it. If you’re on your own and use your own social security number for other aspects of your business, you can just use that when applying for a business credit card.

Even if you do have an EIN, you may not be able to use it when first applying for a business card. The credit card company can only pull your business’s credit if your business has its own credit file as an entity separate from your personal credit file. If you’re just getting started, you’ll need time to build up your business’s credit file, which is part of the point of using a business credit card.

If you have an EIN but don’t have a credit file associated with it, the credit issuer will simply pull credit based on your social security number.

Will they check my personal credit file when I apply?

The answer to the above FAQ should tell you this! The answer is yes, most of the time. This is especially true at first, when your business doesn’t have its own credit file, or doesn’t have a large enough history for a credit issuer to make a decision. Again, you can enter your EIN instead of your personal social security number. But if the business doesn’t have an adequate credit file for a decision to be made, you’ll see a hard inquiry on your personal credit file.

With that said, other business card owners have noticed that after the original inquiry, the business credit card may not be counted in your personal credit file, unless there’s a major negative to report. Once the account is up and running, most of the credit-building properties will be counted towards your business’s credit, rather than your personal credit.

With all this in mind, it’s important to take care in your business transactions, just as you would your personal interactions. Though you and your business are technically separate, there’s so much interlinking in the world of financial transactions that credit issues in either sphere can impact the other.

What’s my personal liability for the card’s balance?

Depending on the credit card issuer and the arrangement you sign, you may be 100% liable for the credit card’s balance. Most of the time, a credit card issuer will insist that you sign a personal guarantee. This is an agreement you make with your creditor to pay for your business’s debts if your company doesn’t. It’s almost like cosigning for yourself. If your business can’t keep up with the debts, you’ll have to pay them back personally – even if you are the sole owner and operator of the entire business.

Due to personal guarantees, creditors could go after your personal assets if you default on the loan. Even if your company is an S-corporation or Limited Liability Company, you could be on the hook personally for business credit card debts. Limited liability company and corporation classifications shield your personal assets from certain liability situations. But when you willingly enter into a credit card arrangement and willingly make spending choices, you’re still personally liable for the debt.

If you get to the point where your business is more established and has deep pockets and a long credit history, you may be able to get business loans and credit cards with commercial liability. Then, the creditor couldn’t pursue your personal assets in case of failure to pay. However, most small businesses don’t have this option, and especially not when they’re just beginning to apply for business credit.

Managing Business Expenses with a Credit Card

Managing business expenses with a credit card is similar to managing personal expenses using a credit card. But there are a few additional rules. Here are my personal rules for using a business credit card, which are easy to apply to any business model:

Rule 1: Pay the balance in full each month

To get the most out of your business credit card and keep your expenses in check, pay off the full balance of your business credit card each month. This means keeping careful track of your expenses and your cash flow to ensure you’re not overspending.

One potential exception to this rule is to use a 0% introductory APR deal to make a large purchase for your business. Only do this if it’s necessary, and if taking the time to save up for the one-off purchase would cost your business more in the long run. Then, budget carefully to ensure you can pay off the balance in full before your APR goes up.

Rule 2: Link the card to your accounting software

One of the key reasons I use a business credit card is to make tracking business expenses easier. Yes, you can do this by just looking over your credit card statements monthly. But you can also automate the process by simply linking your credit card to your favorite accounting software.

I link my business credit card to Quickbooks Online. It automatically downloads the transactions as they occur. My bookkeeper then categorizes the transactions at the end of the month.

Rule 3: Use the card only for business expenses

This is an essential rule: don’t ever use this credit card for personal expenses. This will only get you into trouble, especially if this turns into a habit. It’s much easier to keep your expenses separate and easy-to-track by using your business card only ever for business expenses.

Rule 4: Keep your receipts

Even if you have your credit card log, keeping your receipts is essential. The IRS says to keep business receipts for purchases and expenses for at least four years. Keep a file – both digital and hard copy – to keep your receipts organized by date. And if some of your receipts are for expenses that could potentially be questioned, like restaurant expenses, jot down a note on the receipt or in its digital file about the business occasion that led to the expense.

Basics of Business Credit Card Rewards

As you can see from our list of the best business cards above, many come with a variety of rewards. The most popular options, however, are cash back and miles rewards. You can also get purchase rewards, too, though, which give you access to gift cards and other useful items. Understanding rewards and how to use them is a key piece of choosing the best credit card for your business.

Rewards

One mistake business owners often make is choosing a business card that has a great rewards system, but they’re awarded in a way that they won’t use. So as you consider different credit card options for your business, take the time to understand how rewards are earned, and think through how you’d redeem those rewards.

We’ll discuss the most common options, and the best ways to use those rewards:

  • Travel Rewards: Travel rewards come in various flavors. Some travel cards let you rack up points to use for any travel-related purchase–from hotel stays to airline tickets to rental cars. Others only allow you to redeem points with certain providers. If you travel often for business and don’t mind always booking with the same airline or hotel chain, a brand-specific card might work for you. But if you’d rather get the best possible deal on flights and hotels, look for a card with more flexible redemption policies.
  • Purchase Rewards: Some business rewards cards offer purchase rewards options. For instance, with the Chase cards listed above, you can choose to redeem your rewards in several ways. For instance, you can purchase gift cards to various retailers, shop on Amazon.com directly with your points, or redeem rewards for special experiences. Purchase rewards can be more limited, but can be a way to buy customer and employee appreciation gifts. You can also order necessary office supplies using gift cards or Amazon.com points.
  • Cash Back Rewards: Cash back rewards are perhaps the easiest to use. This is my approach. Most major credit card companies will allow you to put cash back rewards directly towards your credit card balance. Most card companies will transfer cash back rewards transferred directly to your bank account.
  • Sign-Up Bonuses: When considering signing up for a new credit card, be sure you check out the sign-up bonuses. These bonuses give you extra spending power or even airline tickets right after you sign up for the new card. While you don’t want to choose a credit card based solely on a one-time bonus, it’s certainly something to take into consideration when choosing a credit card.

Interest Rates

You should consider a business credit card’s interest rate if you carry a balance. Should you need to carry a balance, the lower your interest rate, the better off you’ll be. When choosing a credit card for your business, here are three types of interest rates to consider:

  • 0% Balance Transfers: Are you already trying to pay down some business debt you’ve let pile up? Look for a card with a 0% introductory interest rate on balance transfers. This is a way to save money while you pay down the debt as quickly as you can. Just be sure you don’t use a balance transfer offer to put personal debt onto your business credit card. To pay off personal debt more quickly, check out this list of 0% APR balance transfer credit cards.
  • 0% on Purchases: Again, we don’t recommend regularly carrying a balance on your business credit card. However, if you need to make a one-time purchase of a big-ticket item, a 0% introductory APR may be the way to go. As long as you can pay down the balance before the 0% APR runs out, you can pay no interest on your large purchase. Just be sure you read the card’s fine print. Many will end the deal and hike up your interest rate if you’re even a day late on a single payment.
  • Regular APR: You’ll find a credit card’s regular APR in the fine print. These APRs are often listed as variable. The better your credit score, the lower your APR will be. If you don’t ever carry a balance, the regular APR won’t matter much in your budget. But it’s still important to know your APR before signing up for a credit card.

How to Apply for a Small Business Credit Card

Applying for a business credit card is similar to applying for a personal credit card, with a few differences. Here’s how to get started:

  • Decide whether to apply for an EIN. If you don’t already have an employer identification number (EIN), consider whether you should apply for one. It’s free to do, and is fairly simple to do online at the IRS website. If at any point you’re likely to hire employees, go ahead and apply. If you plan to keep your business to just yourself and, perhaps, your spouse, you can apply for business credit under your social security number.
  • Check your business credit file. If your business has been around for a while, it may already have a credit file. You can check on that here. If your business has a credit file, skip to step four. If not, take step three first.
  • Apply for a D-U-N-S number. This is a unique business identification number, separate from your EIN. You can actually apply for this number, and then add or change information in it on the Dun & Bradstreet site, linked above. When you first establish your business credit file, creditors will still pull your personal credit file first to check for creditworthiness.
  • Apply for a small business credit card. Business credit card applications are similar to personal credit card applications. You’ll just need to fill out all the requested information. Even if you provide an EIN, most creditors will ask for your social security number as part of your personal guarantee. Remember, this makes you personally liable for your business’s debts, which gives you even more reason to be cautious with your credit card spending.
  • Build your business’s credit. As when applying for a personal credit card, you may start off with a relatively low credit limit. You can build up your business’s credit by paying bills on time, keeping your credit card balance low, and keeping a long credit history. You can continue to visit the Dun & Bradstreet website to see your progress with your business’s credit.
  • Ask for a credit limit increase, eventually. If you may need to apply for a large business loan in the future, you would do well to continue building your credit by eventually asking for a credit limit increase. Remember, a large portion of your business’s credit rating comes down to debt vs. credit. The more credit you have available, the higher your rating. Once you’ve used a credit card wisely, you can ask for a credit limit increase.

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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