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Owning a business is not always easy on your credit score. When you have average credit, however, you have many options for a business credit card -- even though the best cards still come with requirements and limitations.
Regardless of which card issuer you choose, business credit cards require a credit check. While it's not difficult to pass a check and get a new credit card with average credit, it's still important to compare your options to find the best rate and terms for your new card.
These are our top picks for your growing business:
At a glance
The American Express Business Gold card is one of the best Amex business cards because of the generous introductory offer and rewards.
Business owners have the ability to earn points based on specific rewards spending categories like airlines, advertising, computer equipment, gas stations, and dining. It's even a great credit card for shipping with extra benefits.
The Amex Business Gold card also gives you access to many Amex small business perks, like 2x the Membership Rewards points when you book through AmexTravel.com and a 25% airline bonus when you use Membership Rewards Pay with Points.
Another convenient feature from American Express is the Pay Over Time option. This means you can carry a balance with interest on minimum purchases of $100.
At a glance
With its fantastic introductory offer, the Blue Business Plus credit card from American Express is one of our picks for the best business credit cards with 0% APR (in this case, it's for one year). There is also no annual fee, saving you extra money when the introductory period is over.
Membership Rewards Points are easy to accumulate, too. When you book your travel through AmexTravel.com, you also receive 2x points.
At a glance
The American Express Business Platinum card is one of our picks for the best travel rewards credit cards; this is a card designed for the road warrior. The rewards structure is travel-oriented with additional rewards for everyday spending.
You also receive additional perks, like an up to $400 statement credit for Dell Technologies purchases ($200 per 6 months) and an up to $189 statement credit for CLEAR® security when you use your Amex card.
At a glance
The Chase Ink Business Cash credit card is one the best Chase business credit cards with dual introductory offers to get you started.
Rewards are targeted toward everyday office expenses for a credit card that rewards you on your regular spending. With Chase Unlimited Rewards, you can choose how you redeem your rewards with options like cash back, gift cards, and travel bonuses. You also get access to extra benefits, like fraud protection, purchase protection, and custom account notifications. Once you have a Chase Ink credit card, you can also earn up to 100,000 points annually for customer referrals.
At a glance
The Chase Ink Business Preferred credit card is designed to offer generous rewards on regular daily expenses, like shipping, advertising, and business services.
Your points never expire, and you have the option to redeem through Chase Ultimate Rewards for a higher trade value of up to 25% more than normal rewards. You can also receive exclusive perks like gift cards and travel experiences, and your Chase card comes with extra built-in protections like fraud protection, purchase protection, and account notifications.
At a glance
The Chase Ink Business Unlimited credit card includes a simple and straightforward rewards structure that gives unlimited 1.5% cash back on all purchases. With this card, you do not have to worry about making a minimum amount of purchases each year or using your card at specific retailers. Chase rewards you on all of the purchases you make with your Chase Ink Business Unlimited credit card.
Like the other Chase Ink cards, cashback rewards include the opportunity for extra cash back, gift cards, and travel through Chase Ultimate Rewards. You also receive standard protections from Chase to keep your account safe from theft and fraudulent transactions.
Before you apply for a business credit card, it's important to shop and compare your options. We based our choices on the factors below, which will also help you pick the right business credit card for your business.
Every card is different in the rewards that it offers, so carefully review the terms of each card to find the right choice for your business.
A business credit card is a type of credit card specifically issued to small businesses and sole proprietorships. You are given a specific line of credit, depending on your eligibility, with many cards also offering extra benefits like cashback and travel rewards.
The difference between a personal credit card and a business credit card is the purpose of the card. Personal credit cards are designed to manage your individual expenses, while a business credit card better suits corporate needs, like employee cards and perks on business-related expenses.
These are a few of the other options we considered: