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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 05-17-2013
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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| Chase Ink Cash ® Business Card |  | 13.24% (0% for first 6 months) | Earn $200 bonus cash back after you spend $3,000 in 3 months from account opening; 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, earn $200 bonus cash back after spending $3,000 in 3 mos from account opening, 0% purchase and balance transfer APR for 6 months |
| Capital One® Spark℠ Cash for Business |  | 13.9% - 20.9% (V) | $100 bonus after spending $1,000 in first 3 months; 2% cash back on all purchases | $0 intro for first year; $59 after that | Excellent | Our Rating: Earn unlimited 2% cashback on all purchases with $100 bonus potential |
| Capital One® Spark℠ Cash Select for Business | | 12.9% - 20.9% (V) (0% until November 2013) | 1% cash back on all purchases, plus 50% bonus on the cash back you earn every year | $0 | 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 November 2013 |
| SimplyCash® Business Card from American Express OPEN |  | 12.24%-19.24% (Variable); (0% for 6-12 months) | 5% cash back on US office supply stores & wireless telephone service; 3% cash back on gas; 1% cash back on other eligible purchases | N/A | Excellent | Our Rating: No limit to the amount of cash back you can earn; No annual membership fee |
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| Chase Ink Plus® - 50,000 Bonus Points |  | 13.24% | 50,000 bonus point opportunity, 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 | $0 first year; $95/year thereafter | Good | Our Rating: Earn rewards for everyday purchases and travel, 50,000 bonus point opportunity, no foreign transaction fees |
| Capital One® Spark℠ Miles Select for Business |  | 12.9% - 20.9% (V) (0% until November 2013) | 1 mile per $1 spent on all purchases, 50% bonus on the miles you earn annually | $0 | Excellent | Our Rating: Earn 1 mile per $1 spent on every purchase; 50% bonus on the miles you earn annually; 0% purchase APR until November 2013 |
| Capital One® Spark℠ Miles for Business | | 13.9% - 20.9% (V) | 2 miles per $1 spent on all purchases | $0 intro for first year; $59 after that | Excellent | Our Rating: Earn 2x miles on every purchase, redeem for travel, cash and more |
| Chase Ink Bold® Business Card |  | 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 $2,000 in first 3 months, 2 points per $1 for booking travel with AmEx, 1 point per $1 spent on all other purchases. | $450/year | Excellent | 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) | 4-5 points per $1 spent on qualifying Starwood Preferred Guest® hotels and resorts, 1 point per $1 spent on everything else | $0 introductory annual fee for the first year, then $65 | Excellent | Our Rating: Good for frequent Starwood Hotel visitors who want to earn free stays and flights |
| Gold Delta SkyMiles® Business Credit Card from American Express |  | 15.24% -19.24% Variable | 30,000 bonus miles after spending $500 in 3 months; 2 miles per $1 spent on Delta flights, 1 mile per $1 on all other purchases | $0 introductory annual fee for the first year, then $95 | Excellent | Our Rating: Best for those who want to earn free Delta flights and upgrades; flight value of $1.26; annual fee waived first year |
| The Business Gold Rewards Card® from American Express OPEN |  | N/A | 3X points on airfare; 2x points for advertising in select media, gas and shipping; 1X points on other purchases | $0 introductory annual fee for the first year, then $175 | Excellent | Our Rating: Combines unique Gold card benefits with reward earning potential |
| Name & Card | Purchase APR | Rewards | Annual Fee | Credit Needed:
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Our Rating & Bottom Line | |
| CitiBusiness Thank You℠ Card |  | 13.24% Variable (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 | N/A | Good | Our Rating: No annual fee and 15,000 point earning potential plus a 0% APR for first 6 months makes this card a good choice |
| 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 | $95, waived for the first 12 months* | Good | Our Rating: Best for those who like to fly American Airlines, with perks like priority boarding and first checked bag free |
| Capital One® Spark℠ Classic for Business |  | 22.9% variable | Earn 1% cash back on all purchases | $0 | Average | Our Rating: Good choice for those with average credit who want to earn 1% cash back on all purchases |
Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.
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