business credit card for youUpdated: Jan. 29, 2019

There are a lot of great reasons to get a business credit card, like earning rewards on business expenses, separating business costs from your personal accounts and building your business credit scores. However, if you’re a business owner looking to open your first business credit card, you’ll need to be sure your personal credit scores match the credit card’s requirements. The good news is having less-than-perfect credit doesn’t mean you can’t get a wonderful credit card for your business. Whether you have excellent, good, average, fair or even limited credit, there’s a business credit card for you. Don’t believe us? Keep reading to see our picks of the best business credit cards for every credit score.

Excellent credit

If you have credit scores of 750 or higher, you’ve proven you’re a highly responsible credit user — your company should benefit from that! Take a look at two of our favorite business credit cards for excellent credit.

The Ink Business Cash Credit Card

business credit card for youWhen it comes to business credit cards, the Ink Business Cash Credit Card has everything. It charges no annual fee, gives a nice intro APR on purchases and balance transfers, offers a generous intro bonus opportunity and has impressive ongoing cash back rewards.

Let’s start with the intro APR. You’ll receive a 12-month 0% intro APR on purchases, which is like a year-long loan on your business’ expenditures with no interest. Or, if you’ve built up a high balance on another card, you can transfer the balance and receive 0% intro APR for 12 months on the transferred balance. The card comes with a slightly high balance transfer fee of 5% ($5 minimum), so you’ll want to crunch the numbers to make sure it’s worthwhile for your business.

In addition to these intro APR offers, there’s another welcome mat that might interest you. Spend $3,000 on purchases in the first 3 months as a cardholder and you’ll earn a $500 cash back bonus. While this intro bonus is exciting, the long-term cash back rewards are what make this card a great investment. You’ll earn 5% cash back at office supply stores and on Internet, cable and phone services (on the first $25,000 in combined purchases each account anniversary, then 1% back). Plus, you’ll also earn 2% cash back on purchases at gas stations and restaurants (up to $25,000 in combined purchases each account anniversary, then 1% back), as well as an uncapped 1% cash back on all other card purchases. On top of that, there’s no annual fee (as previously noted) and employee cards are free of charge.

If you’d prefer a flat cash back rate, but you like the other benefits of Ink Business Cash, take a look at the Ink Business Unlimited Credit Card. You’ll earn an unlimited 1.5% cash back on all purchases instead of earning various rates on categories while still keeping the intro APR periods, $0 annual fee and bonus opportunity.

Costco Anywhere Visa Business Card by Citi

business credit card for youFor Costco members, the Costco Anywhere Visa Business Card by Citi (a NextAdvisor advertiser) is a clear front-runner thanks to its hefty cash back rates. Let’s start at the top: you’ll earn 4% cash back on gas (up to $7,000 in purchases, then 1% back). Next, you’ll earn an uncapped 3% cash back at restaurants and on travel purchases, 2% cash back on Costco and Costco.com purchases and 1% cash back on all other purchases. You’ll receive your cash back each year as a reward coupon on your February billing statement. You can then redeem the coupon in a single transaction at any U.S. Costco warehouse for Costco merchandise or cash back.

Although this card earns some serious rewards, there are a few things we recommend that you keep in mind when considering it. While there’s no annual fee, you do need to be a Costco member and pay the membership fee to be eligible for the card. In addition to that, you won’t be able to transfer balances to your Costco Anywhere Visa Business Card — this probably isn’t a big deal since the card doesn’t offer any 0% intro APR, but it’s still worth noting. If those factors aren’t an issue for you, this card earns incredible cash back rewards and can even be an excellent choice to use abroad, as it charges no foreign transaction fees.

Good credit

Good credit scores, generally considered a score of 700 or higher, still make you eligible for some of the very best business credit cards. If your credit scores are above 700, read on.

Capital One Spark Cash for Business

business credit card for youCapital One Spark Cash for Business is another card to consider. It offers a $500 to cardholders who spend $4,500 on purchases in the first 3 months of account opening! But the cash back doesn’t stop with the bonus, as you’ll earn an unlimited 2% cash back on every purchase. Your rewards don’t expire for the life of your account and can be redeemed in any amount. On top of all that, you’ll get employee cards for free, pay no foreign transaction fees and pay no annual fee for the first year (it’s $95 per year after that).

If that annual fee is a dealbreaker, you could choose the Capital One Spark Cash Select for Business, which drops the annual fee and offers a 9-month 0% intro APR period on purchases. However, you would also earn cash back on all purchases at a lower rate (1.5%) and have access to a much smaller intro bonus opportunity.

SimplyCash Plus Business Credit Card from American Express

business credit card for youAs a business owner, you know what your business needs. That’s why it’s great to choose a card that gives you a say in which rewards category your business will earn extra cash back in. The SimplyCash Plus Business Card from American Express (a NextAdvisor advertiser) does just that. You’ll choose one of eight categories you want your business to earn 3% cash back in (up to $50,000/year, then 1% back).

The categories are as follows: (1) airfare purchased directly from airlines, (2) hotel rooms purchased directly from hotels, (3) purchases from select major car rental companies, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) purchases made in the U.S. for shipping, (7) purchases made in the U.S. for advertising in select media and (8) computer hardware, software and cloud computing purchases made in the U.S. directly from select providers. You’ll want to choose carefully, as the categories aren’t flexible — you can only change categories once a year, during your enrollment period.

On top of that 3% cash back, you’ll also earn a massive 5% cash back at U.S. supply stores and on wireless telephone services purchased directly from U.S. service providers (up to $50,000/year, then 1% back). All other purchases will net you 1% cash back. You’ll also have 15 months of 0% intro APR on purchases, get free employee cards and pay no annual fee.

Average, fair or limited credit

If your credit scores are below 700 (but still above 620), or if you don’t have enough credit history to have credit scores at all, that doesn’t mean you can’t have a business credit card. There’s still an option that’ll earn you cash back while you build your business credit.

Capital One Spark Classic for Business

business credit card for youFor those with credit that’s average or below, Capital One Spark Classic for Business is the perfect opportunity to build business credit while earning a straightforward cash back rate. You’ll earn an uncapped 1% cash back on all purchases. Those rewards won’t expire for the life of the account and you can redeem your cash back in the form of a statement credit or check. Plus, you won’t need to pay an annual fee or any foreign transaction fees. Many cards charge foreign transaction fees of 3% to 5% on all purchases outside of the U.S., which means choosing this card over one with foreign transaction fees will save your business a lot of money!

Capital One Spark Classic for Business also includes additional features like Fraud Alerts, Purchase Security and Extended Protection. The latter two can be particularly beneficial for your business. Eligible purchases made with your business credit card are covered for 90 days under Purchase Security, meaning you’ll either be reimbursed or your goods will be replaced or repaired if they are stolen or damaged. For those purchases made with your card that already have a warranty, Extended Protection can add up to a year to the manufacturer’s warranty.

Looking for something different?

If you aren’t sure whether or not one of these cards is right for you, visit our business credit card reviews for more options. If your credit scores have gone below 619, dropping into the bad credit category, your best option may be to first improve your personal credit scores using a secured credit card, then apply for a business credit card once you have a stronger credit history.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.