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Whether you're a one-person company, or the head of a Fortune 500 empire, it's likely you'll need to pay for business-oriented expenses. That's where business credit cards come in handy. These cards separate business from personal costs, and can help manage company expenses. Some cards include rewards for using them like cash back or points, additional expense management tools to see where the money is going, and special card-member perks. We've reviewed the features and benefits of the most popular business credit cards, and have broken down the details below. To learn more about credit cards, see our FAQ.
Business Credit Card Reviews & Prices
Updated 05-17-2012
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| Chase Ink CashSM Business Card |  | 10.24% variable (0% for first 12 months) | $250 bonus opportunity; 5% cash back on office supplies, cable, internet & telecom, 2% on gas & dining, 1% on everything else | None | Good | Our Rating: Up to 5% unlimited cash back on purchases, $250 bonus cash back, 0% purchase and balance transfer APR for 12 months |
| SimplyCash® Business Card from American Express OPEN |  | 12.24-19.24% (Variable); (0% for 6-12 months) | 5% cash back on wireless services and office supplies, 3% on gas, 1% on all other purchases | None | Good | Our Rating: Up to 5% unlimited cash back on purchases; automatically credits rewards to monthly statement, 0% purchase APR for up to 12 months |
| Capital One® SparkSM Cash for Business |  | 13.9% variable | $100 bonus after spending $1,000 in first 3 months; 2% cash back on all purchases | $0 first year; $59/year thereafter | Excellent | Our Rating: Earn unlimited 2% cashback on all purchases with $100 bonus potential |
| Chase Ink SM Classic - up to 25,000 Bonus Points |  | 10.24% variable (0% for first 12 months) | 5 points per $1 spent on various office expenses, 2 points per $1 spent on fuel and hotels, 1 point per $1 spent on all purchases | None | Good | Our Rating: Unlimited points that don't expire, 0% APR for 12 months on purchases and balance transfers, 25,000 bonus points after spending $5K in first 3 months |
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| Capital One® SparkSM Select Cash for Business | | 14.9% - 19.9% variable (0% until Nov 2012) | 1% cash back on all purchases, plus 50% bonus on the cash back you earn every year | $0 first year; $59/year thereafter | Excellent | Our Rating: Earn unlimited 1% cashback on all purchases with a 50% bonus on the cash back you earn every year; 0% purchase APR until Nov 2012 |
| Capital One® SparkSM Miles Select for Business |  | 14.9% - 19.9% variable 0% until Nov 2012 | 1 mile per $1 spent on all purchases, 50% bonus on the miles you earn annually | None | Excellent | Our Rating: Earn 1 mile per $1 spent on every purchase; 50% bonus on the miles you earn annually; 0% APR until Nov 2012 |
| Capital One® SparkSM Miles for Business | | 13.9% variable | 2 miles per $1 spent on all purchases | $0 first year; $59/year thereafter | Excellent | Our Rating: Earn 2x miles on every purchase, redeem for travel, cash and more; opportunity for 15,000 bonus miles |
| Chase Ink BoldSM with Ultimate Rewards - up to 50,000 bonus points |  | n/a | 50,000 bonus point opportunity, 5 points per $1 spent on various office expenses, 2 points per dollar spent on hotels and airfare, 1 point per $1 spent on all purchases | $0 first year, $95/year thereafter | Good | Our Rating: Great business rewards charge card with no interest charges, foreign transaction or overlimit fees; earn unlimited points and up to 50,000 bonus points |
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| Business Platinum Card® from American Express OPEN |  | N/A | 25,000 bonus points after spending $5,000 in first 3 months, 2 points per $1 for booking travel with AmEx, 1 point per $1 spent on all other purchases. | $450/year | Good | Our Rating: Savvy business charge card with potential for racking up significant rewards and many travel benefits, somewhat pricey |
| Starwood Preferred Guest® Business Credit Card from American Express OPEN |  | 15.24-19.24% (Variable) | 10,000 points after first purchase; earn 4- 5 points for every dollar you spend at Starwood Hotels; 1 point per $1 spent everywhere else | $0 first year; $65/year thereafter | Good | Our Rating: Good for frequent Starwood Hotel visitors who want to earn free stays and flights |
| CitiBusiness®/AAdvantage® World Mastercard® |  | 15.24% variable | 30,000 bonus miles opportunity; earn 2 miles for every $1 you spend on American Airlines purchases and on office supplies, telecommunications and car rentals; 1 mile for each $1 spent on all other purchases | $0 first year; $95/yr thereafter | Good | Our Rating: Best for those who like to fly American Airlines, with perks like priority boarding and first checked bag free |
| CitiBusiness Thank YouSM Card |  | 13.24% (0% for 6 months) | 15,000 bonus points after spending $3,000 in first 3 months, 3 points per $1 spent in rotating business categories, 1 point per $1 spent on all other purchases | None | Good | Our Rating: No annual fee and point earning potential plus a 0% APR for first 6 months makes this card a good choice |
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| Capital One® SparkSM Classic for Business |  | 22.9% variable | Earn 1% cash back on all purchases | $39 | Average | Our Rating: Good choice for those with average credit who want to earn 1% cash back on all purchases |
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