Best Business Credit Cards of December 2022

The Spark line of business credit cards from Capital One has long been a favorite of business owners looking for quick approvals that serve a wide variety of personal credit scores. Capital One also has business credit cards that operate on both Mastercard and Visa payment networks, which provides some flexibility if you have a preference.

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Welcome bonus

Rewards are paid out annually and can be used on in-store merchandise, with the balance given out as cash upon request. Other spending categories range from 1-2% without the need to enroll in bonus spending promotions. There is no limit to rewards, and your credit card doubles as your Costco membership card. Show it at checkout to get great deals on Costco merchandise, charge your purchase to your account, and build those rewards for an unlimited payout when your reward certificate is issued in February. This card has a lower rate than some other retail and warehouse club cards, so use it for your in-store purchases, online at the Costco website, and wherever you shop. You’ll be getting points for all your business purchases, and team members and employees who are issued cards can be added to your account for even faster reward earnings.

• You also forgo the opportunity to build your business credit when you use your personal credit card to make business purchases.
• Read our full Divvy Business Card review or jump back to offer details.
• The debt burden with small-business cards always lies with the primary cardholder..
• If your expenses are concentrated in one category like travel, then search for the best business credit card that offers rewards for those kinds of purchases.
• You will need to pay a deposit of $1,000 when accepting the conditional approval terms for any loan.
• It provides 1.5% cash back on every purchase with no category limits (plus 5% cash back on hotels and rental cars booked through Capital One Travel).

Earn 4X points on Southwest® purchasesand 2X points on purchases for your business in select categories. Separating your finances draws a distinct line between your business and your personal life and makes managing your cash flow easier. Getting a credit card for business use is one way to make that distinction. Reasonable efforts are made to maintain accurate information.

A business card that’s more than just a card

Businesses already shouldering high monthly expenditures should consider capitalizing on this card’s top-notch sign-up bonus. The 1.5 percent cash back you’ll earn with this card is unlimited, covering an array of purchases. 2% cash back on dining purchases (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). 3% cash back in the category of your choice (on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter). Earn unlimited 1.5% cash back on all purchases everywhere, every time. When you own a business, there’s a long list of things to keep track of. If adding „card rewards categories“ to that list is unappealing to you, The Blue Business Plus is a great, hassle-free choice.

• You can earn miles on United and common business purchases while taking advantage of a number of travel benefits.
• The United Business Card combines a solid set of benefits, a moderate annual fee and a large welcome bonus.
• This card makes it easy to earn rewards faster on paid Hyatt stays and on everything else you buy.
• If your business is not near a United hub, this card may not be for you.

Please review the Rates & Fees and the cardmember agreement for full terms of the offer. Register for upcoming live webinars and access recorded webinars to learn about the latest trends for your business and industry. Strategize with our financial experts to help you achieve your business goals.

Capital on Tap Business Credit Card

For example, airline cards for small-business owners can offer perks like priority boarding and a free checked bag. Small-business credit cards are great at helping you to track your expenses and come up with quarterly and year-end summaries that help you to prepare your taxes. A business credit card and personal credit card operate in many similar ways. Both can offer bonus points, rewards points, introductory APR offers and a sign-up bonus, but there are a few distinct differences between how they’re regulated. That means there can be different terms and conditions for business cards and personal cards, and a savvy credit card shopper needs to understand those differences before they apply. First, let’s review how business and personal credit cards are similar. The Wells Fargo Business Platinum Credit Card offers a choice between cash back or rewards points.

Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.