Best Business Credit Cards

Having a dedicated small business credit card has so many rewards and benefits that there’s really no reason not to have one. You can earn points on your day to day expenses, and will usually receive itemized expense reports every quarter, which is helpful for bookkeeping and accounting.

Starwood Preferred Guest® Credit Card from American Express

This business rewards credit card allows you to earn up to 25,000 Starpoints® – enough for up to 6 nights at a category 1 or 2 hotel. Plus you can transfer Starpoints® – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines. No annual fee for the first year and $45 thereafter. Plus you can earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners.

Gold Delta SkyMiles® Business Credit Card from American Express OPEN

This business rewards credit card offers savings between 3% and 25% on business expenses from FedEx, Hertz ®, Hyatt Hotels and Resorts ® and more. You also earn air miles and can make substantial savings on Delta flights. This card is aimed toward established businesses with an excellent credit history and the benefits associated make it worth considering as your business credit card if you qualify.

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James said:
on July 28th at 05:19 am

The real divide is whether or not you are a frequent business flier as a small business. A non business flier can look at cash back and annual fees. However a business flier needs to look at two things above the cost – customer service, which better be 24-7 if your flying all over the place and frequent flier miles.

One thing above all that is needed for a business card – above low annual fees or frequent flier miles – is to be accepted everywhere that you will do business. If you don’t get this then you will find yourself paying for business expenses with your personal card – and then your easy book keeping goes out of the window.
gkr said:
on August 15th at 08:02 am

We have a United Mileage Plus Platinum Business Card which offers 17,500 Bonus Miles after the First Purchase. I do not understand why you had missed this.

There are different features for it. You will get 2 Miles for every $1 spent on United Purchases and 1 Mile for every $1 spent on all other Purchases. A $25 United Discount Travel Certificate and bonus miles at restaurants etc.

But there is a $75 annual fee. There are no initial charges. APR is 18%. For business flying needs it will be better.
Max Messner said:
on August 16th at 11:17 pm

I just wanted to point out that with the current 10,000 bonus point Starwood Business Card offer, you can actually get 5 free nights at Category 1 hotels.

I believe the 2,000-point hotel stays are valid for weekends only, so you just have to redeem the points for 5 separate weekend stays, although that may not necessarily be suitable for business purposes.

However, get both the Starwood Consumer and Business Cards and you get 10 free nights.
Pat Clevenger said:
on November 16th at 01:44 pm

I am looking for a card that will allow me to pay my employees with their card and then earn airline miles. I don’t have a lot of business expenses other than payroll. I spoke with Alaska Airlines and they told me that they would look at this as a “Cash Advance” and that it would not qualify for miles. Does anyone know of a way to make this work?
Joe User said:
on April 6th at 12:58 pm

The Chase card is a scam. Looks good on paper, six months later they jack the rate up to 29.99% They lie and will claim some bogus reason like your debt to income ratio changed. I looked on my credit report and found they never did the SECOND credit review. All payments were on time and 5 times the amount of the minimum.

BOTTOM LINE: Don’t get suckered… Chase is a SCAM ARTIST!
Jenny said:
on April 18th at 02:18 pm

I am agree with Joe User, the chase card is scam. They gave me 9.9 % and now it is 29.9%. Same bad experience.
Haplo said:
on April 23rd at 12:43 am

The Discover Business Card is the best one. Unlimited rewards that never expire, Miles or CashBack Bonus on all the purchases you make. Free purchase and much more! Also they have what no other credit card has for both business and personal accounts: Click to chat customer service. Just click a button and you will be connected with a live rep who will help you.
alex said:
on May 5th at 03:33 pm

The chase card is horrible, it looks to me that the mafia works there, if you are missing a payment for a day your interest rate goes to almost 30% even sending them a letter of explanation, They are really in bussines to kill you
CARRIE said:
on June 10th at 10:15 am

THE SIMPLY CASH BUSINESS AMERICAN EXPRESS CARD SOUNDS LIKE CHASE TOO – I HAVE HAD FOR A YEAR – PD BAL IN FULL EVERY MONTH – I NEED FOR THE FUEL CREDIT. I STARTED WITH 13,000 LINE, THEN WAS DROPPED TO 4,000. WHEN I CALLED I WAS TOLD DUE TO THE INDUSTRY THAT WE ARE IN “CONSTRUCTION” OUR ACCOUNT WAS RE-EVALUATED AND MY CREDIT WAS DROPPED. SO I PD EVERY 2 WEEKS SO I WOULDN’T GO OVR THE CREDIT LIMIT. NOW I JUST REC’D A LETTER THAT THEY ARE DROPPING FROM 5% ON FUEL TO 3% ~ ON THE 1ST 12,000 YEARLY AND THEN 1% ON FUEL OVER THE 12,000 – SINCE I SPEND ABOUT 60,000 YEARLY ON FUEL THIS DOES ME NO GOOD. WHAT A WAY TO TREAT GOOD PAYING CUSTOMERS. ALL MY AE CARDS WILL NOW GO INTO FILE 13 !!
Niranjan said:
on June 17th at 04:34 pm

As a “flier” I would be most interested in air insurance – both in terms of lost baggage and life.

In addition, auto rental insurance is important as a frequent traveler.

Some cards have them, but one has to ask the related questions to get the answer.

What is the coverage of such insurances is of importance too.
Say No To Advanta said:
on June 22nd at 05:35 am

Looks like Chase and Advanta are blood brothers in the art of rate jacking… and American Express and Advanta are blood brothers in the art of credit line decreases.
Peggy said:
on August 26th at 08:39 am

FYI…..I just want to let you all know that I received my latest statement today from Advanta and was totally shocked to find that they had raised my interest rate from 7.9 to over 20%. I immediately called them to discuss this and was told that the change is due to many factors. I asked what factors as I pay well over the minimum amount each month and I have NEVER been late on one payment, not to mention my credit score is almost 800, I have not exhausted the amount of credit that was given to me. I just don’t understand how they can just decide to do this to people! And 22%! The customer service rep was not at all empathetic and stated that it was “their perogative” to raise rates whenever they wanted and there was nothing they were going to do for me. I was appalled. So beware of Advanta, they’ll lure you in and then zap you later down the road. Thanks for letting me rant!
Jeff said:
on August 27th at 05:07 pm

Same here…avoid Advanta. I have business card, never late, never over balance, always pay more than minimum. My credit score has greatly improved over the last few years, and they raised my rate from 9.9 to over 35%, with no letter, no reason, nothing! I “argued” with rep and his “manager” (which I’m sure was the Rep sitting next to him)…for 30 minutes. No reason was given at all.
Kristy said:
on September 17th at 05:04 pm

Watch Advanta – has great promotions, BUT they reserve the right to change even a “lifetime” rate at any time. Our business card went from 7.9 to 22% with a 2 week notice. READ everything they send to you and call them to explain every notice they send. Just because it says it is “lifetime” does not mean so, because we never defaulted in any way. Will never use this bank!
Carlos said:
on October 20th at 10:16 pm

I have been using Wamu Visa for about 4 years for my business expenses, payed off almost every month. They just raised my interest from 14% to 24.85% for no reason. I pay more than the minimum every month or in full, depending how long it takes me get reimbursed. Any body know of a good credit card company that offers rewards
Ryan said:
on November 21st at 06:45 pm

I’m surprised no one has mentioned Citi Diner’s Club Mastercard. It’s a pay-in-full charge card like AMEX, but it uses the MC processing netword for worldwide acceptance. The rewards program is as good or better than AMEX and the customer service is supposed to be better than any in the industry.

The trick is getting qualified for one. They have by far the toughest credit qualification standards of any card company.

http://www.dinersclubus.com
VP said:
on December 12th at 06:13 pm

I just wanted to say I’m *very* disappointed with the Amex SimplyCash – up until today, I wasn’t. Today, I got a notice stating that they had dropped my credit line $3800 to $1200 – which won’t cover monthly expenses (at least some months). Their reasoning? One negative mark on credit six years ago (which was there when I initiated the card) and I don’t “make enough income”. Ok – well, we can all agree with that, probably, but they effectively cut me to 1/65 of my income as my “credit worthiness”. I pay my bill in full every month. I have *no* other debt (although I do have other cards with 0 balance) and I have a credit score of 735 (”excellent” category). Talk about ruining my day…
Rj said:
on February 2nd at 04:55 pm

Advanta is a joke. Jacked our interest rate way up for no reason. It is not fixed rates as they will say to draw you in. Canceled the card and will never promote them again. Beware.
DrR said:
on February 4th at 04:16 pm

What a mess. The Advanta Card is a complete joke. They don’t live up to anything they say they will. The teaser rates change almost instantly and without cause. Try to avoid them at all costs as they will try to bleed you dry once you are indebted to them. On a good note, the AMEX Blue card has been the best business card I’ve ever had. They are fair and just and have the best customer service I’ve experienced in years. Go BLUE!
jinghuatie said:
on March 14th at 10:16 am

http://cardbonus.spaces.live.com/blog/
To get a $100 giftcard in a simple and clear way.
Sony card offer $200 bonus end today.
cathy said:
on May 26th at 09:42 am

Well I guess no worries on Advanta anymore. I just got an email that said they were closing ALL business accounts effective May 30th. That gives me 4 days to find a new one. Thanks for the kick in the butt to find a much better option.
Dan said:
on May 26th at 01:39 pm

Those of you who are being dropped by Advanta, any recommendations? We pay off balance every month & like the cash back.
chuckerd said:
on May 26th at 09:23 pm

I got the Advanta letter today too. Only regret is that they don’t give a few more days to swap companies. Personally I really like Capital One No Hassle Rewards Card (I use for personal). You accrue 1% cash back on all purchases and an additional .25% back bonus each year on previous 12mo purchases. I pay off each month so not sure how good/bad the int. rate is. I also like the fact that you can request your cash back anytime….i.e. let it accrue as long as you like. I think I will just get another now for business since I’m not seeing anything that stands out better. Basically I want as much % cash back as I can get on ALL purchases, not just certain catagories.
joeycg said:
on May 27th at 12:59 am

@chuckerd: I had Cap 1 and it was the worst financial mistake I’ve ever made in 47 years. It started with a dispute against one of their merchants about a service that the merchant admitted was substandard. The dispute went on and on and on until I finally decided to cancel the card. About that time I started getting periodic $40 fraudulent charges that Cap 1 refused to research. Each time a charge happened, Cap 1 would rescind the cancellation of my card in order to post the new charge! Along the way they posted numerous finance charges and late fees related to the disputed amounts which they themselves kept re-adding to the account after they told me the charges had been canceled. It finally took a threat to sue them to get the card closed, and even then it took them an additional 60 days to close it and another couple of weeks to send me a refund check for my positive balance (the original dispute). Google “Capital One Sucks” or “Capital One Problems” and you’ll turn up literally thousands of similar complaints about this company. Also try searching http://ripoffreport.com Last I saw there were nearly 1000 bad reports on Cap 1 on ripoffreport.com alone. I wouldn’t get involved with them again if it saved me from fiery death.
joeycg said:
on May 27th at 01:06 am

Sorry, browse to http://www.ripoffreport.com . The other link without www doesn’t work.

I’m also an Advanta Business Card orphan as of today–only 3 days notice from Advanta! Didn’t they have some clue this was about to happen a month ago so we’d have some time to arrange a new account?

Any suggestions would be appreciated! Good credit scores–upper 700s. Prefer cash rewards to points or miles.
Rhonda said:
on May 27th at 08:51 am

Another Advanta orphan. Looking for business card for 4-6 employees to have personalized cards to use.
Matt N said:
on May 28th at 05:30 pm

I was also dropped by Advanta dispite never missing a payment. They informed me of this on May26. However, they started declining all my credit charges immdiately. This caused us problems because we have some automatic payments made with this card that bounced back!!!
Isn’t there a law that require them to give better notice, and not to decline payments before notice date? Maybe we need a class-action law suite here.
mc said:
on May 31st at 02:43 am

I was also with Advanta. Last fall I got a Chase business card, it has cash back rewards. Might want to check them.
Kelly said:
on June 8th at 11:34 am

I had Advanta too and scrambled around to find a replacement. i decided to go with the Capitol One card but this has already started out badly. They approved me almost two weeks ago and I just found out out that they didn’t send my card out until yesterday. I am having it expedited but it won’t be here in time for when I really need it. Also, the credit limit was ridiculous as my expenses will be over that in less than a week. Does anyone have a suggestion on where I can go and get an expedited card?
Jenn said:
on June 12th at 04:28 pm

We also had Advanta. Discover with the 1% cash back on all purchases, 2% on gas, no earning limits, and checks that you can use for places that don’t take cards…. sounds good. I’m also looking at the American Express plum card or Cash Card. Any experience with these?
Kevin said:
on June 22nd at 01:41 pm

Advanta orphan as well. That was a great business credit card. With the acceptance issues of Amex that is not an answer for my company. Chase offered 13.24% last week, quite a bump from the 7.99% we had with Advanta. Cap. One is the worst. They allowed a merchant to charge me for three nights AFTER I proved I was at another hotel. My good credit is too important to risk to crooks like that.
NDK said:
on July 20th at 10:29 am

Advanta orphan here as well. went with the AE plum card and so far am very disappointed. No spending limit is a lie to get you to sign up. My Advanta credit limit was $14000 and that’s what I told AE when I was signing up. Guess what, I am stuck with a $2500 limit now. they do offer hope though, like our president. In 6 months, my limit may increase if I am a good boy… What a waste of time. I should have spent my time elsewhere.
Josh said:
on July 23rd at 11:18 pm

The Discover Business Card is by far the best card for small businesses. With it comes FEE FREE purchase checks that you can use at merchants that don’t accept credit cards. The purchases you make with these checks obviously have to fit within your credit limit, but they also earn cashback rewards! The fact that I can write a check against my credit card line without any fees, while being added to the same APR of the card, AND earning rewards is simply amazing. I don’t see amex matching up to this in any way. Plus a word to those amex cardmembers.. there is NO ANNUAL FEE!
Josh said:
on July 23rd at 11:23 pm

Oh yeah, to all those Advanta customers, check out the Discover Business Card at Discover.com/business
Ashley said:
on August 11th at 04:06 pm

I have the American Express Business Platinum rewards card, and am currently searching for another company. I love the benefits AMEX offers, however, I have a 760 credit score, excellent payment history, and more than 30k combined limits with credit cards personally, but they will not grant a limit over $3,000 for my business. You can not run a business on $3,000. I recommend finding someone other than Amex for your business needs.
Jeremy said:
on August 19th at 04:27 pm

Since the credit crises hit, American Express SUCKS! I have excellent credit, always pay on time, always in full and they cut my limit in half. I wrote letters to the customer service dept and to the CEO, sent emails and called and never received a response. Find a Visa or Mastercard Business card. AMEX has lost all credibility and value. To think they used to sell themselves on their excellent customer service. Well its not there anymore.
Lisa Duckworth said:
on August 24th at 11:28 pm

I completely agree with the opinion that AMEX sucks!! I am a physician opening a new obstetrics and gynecology office. I have been fronted a large amount of money for startup expenses and have a salary guarantee for the first year. I wanted a credit card to use for rewards and for convenience, i.e. not having to write a check for everything, online ordering, etc. I searched exhaustively before opening a business account with AMEX. I spoke with a customer service rep to determine which card would fit my needs best. I even explained to the woman about my startup and the need to spend upwards of 70-75,000 in a month in order to start my business. In no way did I anticipate to be able to spend it all at once, but was assured that I could pay online multiple times throughout the month in order to free up money, even though there is “no preset spending limit.” Ha ha, a joke. I anticipated that the “no preset spending limit” limit would at least be reasonable!! I received the card and set out the first day to buy things. I spent about $2000 on a software package and an office desk. I attempted to use the card again for some office supplies and was declined. I spoke with the cust service rep who explained that my card had now been placed under “financial review” and would not be freed up for use until I filled out some forms for financial verification and that it would take several days to do so (no one had suggested that I do this three weeks before when I applied)! Per him, until that time there was nothing I could do. I explained my situation to him just as I had the rep when I applied. He explained that I could have prepaid a certain amount to spend had I done so before I put my account into “financial review” by spending $2000!!! $2000 to start a business? Are you kidding?! He was completely unmoved and obviously had no intentions of helping me. I am totally offended. I have a personal credit card that has 10 times the limit of a business card?!?! This company is unreal! I am currently looking for a new card and plan to pay of the AMEX as soon as my online bill is available, as my online account is current enough to show in bold red that my priveleges are suspended but not current enough to have my balance and bill pay available!!
Todd Johnson said:
on September 16th at 12:57 pm

I got a capital one business credit card after being canceled by Advanta.
I paid the bill in full every month and have stellar credit. Capital one made it sound like I would have a 20,000 a month limit, what they gave me is a 2,000 limit (I have several employees that drive trucks around and buy material…..2,000 is a joke). So now I get dinged 39.00 every time I go over….So then I pay online to keep up with the madness and they put my payment on hold for 5 day (so the card is #@%$ing useless)!!!!! What a joke.
Brian McMahon said:
on September 29th at 05:48 pm

I am a General Contractor, and CitiBank recently discontinued the Home Depot Business Rewards MasterCard. This was a great card: decent rewards, and a very high credit limit (18k). I’m looking for a replacement rewards card that also allows me to track purchases with job names or PO’s at the Point of Purchase.

The old Home Depot card statements had a copy of every receipt from the Home Depot (with a PO), and let me put PO’s in at other stores.

Does anyone know of a business rewards card that allows for job name earmarks?

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