Business Credit Cards for Building Credit
Business credit cards are a vauabe too for entrepreneurs and sma business owners ooking to buid their company's credit profie. Unike persona credit cards, business credit cards hep estabish a separate credit history for the business, which can be critica for securing oans and favorabe terms from suppiers and creditors in the future. They aso come with benefits taiored to business needs, such as higher credit imits and speciaized rewards programs.
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When choosing a business credit card for buiding credit, it's important to consider a few key factors. ook for cards that report to major business credit bureaus, as this wi hep in estabishing a soid credit history for your business. Additionay, compare interest rates and fees, as these can vary widey between cards and significanty impact your costs. Rewards programs can aso offer vauabe perks, from cash back on office suppies to trave rewards, which can hep reduce overa business expenses. Utimatey, using a business credit card responsiby—paying off baances on time and keeping credit utiization ow—wi pave the way to improved creditworthiness and financia growth for your business.
Chase Ink Business PreferredView AllChase Ink Business Preferred - High-reward business credit card with travel points.
American Express Blue Business PlusView AllAmerican Express Blue Business Plus - Rewarding small business credit card with robust points system.
Capital One Spark Cash for BusinessView AllCapital One Spark Cash for Business - Unlimited 2% cash back on all business purchases.
Wells Fargo Business SecuredView AllWells Fargo Business Secured - Wells Fargo Business Secured offers secured business credit cards.
Bank of America Business AdvantageView AllBank of America Business Advantage - Business Advantage offers tailored banking solutions for businesses.
CitiBusiness / AAdvantage PlatinumView AllCitiBusiness / AAdvantage Platinum - CitiBusiness / AAdvantage Platinum: Business card, travel rewards, American Airlines.
U.S. Bank Business PlatinumView AllU.S. Bank Business Platinum - U.S. Bank Business Platinum: low intro APR, detailed control features.
Discover it Business CardView AllDiscover it Business Card - Cashback rewards card for small business expenses.
BBVA Secured Visa BusinessView AllBBVA Secured Visa Business - BBVA Secured Visa Business: credit-building, security deposit required.
PNC Business Options VisaView AllPNC Business Options Visa - Customizable rewards for business expenses on your terms.
Business Credit Cards for Building Credit
1.
Chase Ink Business Preferred
The Chase Ink Business Preferred® Credit Card is a premium small business credit card offering robust rewards and benefits. Cardholders earn 3x points on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media platforms and search engines, up to $150,000 per year, and 1x points on all other purchases. New cardholders can earn 100,000 bonus points after spending $15,000 in the first three months. Additional perks include no foreign transaction fees, cell phone protection, travel insurance, and access to the Chase Ultimate Rewards® program for versatile point redemption.
Pros
High reward rates; 100k point bonus; flexible redemption; travel protection
Cons
$95 annual fee; limited bonus categories.
2.
American Express Blue Business Plus
The American Express Blue Business Plus is a versatile business credit card tailored for small businesses, offering robust rewards and practical benefits. Cardholders earn 2X Membership Rewards points on the first $50,000 in eligible purchases each year, then 1X thereafter, providing significant value on everyday business expenses. This no-annual-fee card also features a 0% introductory APR on purchases for the first 12 months, followed by a variable rate. Built-in expense management tools and strong purchase protection make it a practical solution for managing business finances efficiently.
Pros
- No annual fee
- rewards on everyday business purchases
- 0% intro APR
Cons
- Limited acceptance
- high regular APR.
3.
Capital One Spark Cash for Business
The Capital One Spark Cash for Business is a valuable credit card designed for business owners seeking straightforward cash rewards. It offers an impressive unlimited 2% cash back on all purchases, simplifying expense management without worrying about categories or caps. New cardholders can benefit from a substantial welcome bonus when meeting initial spending requirements. Additional perks include no foreign transaction fees, free employee cards, and robust expense tracking tools. Ideal for business owners who prioritize simple, generous cash rewards, the Spark Cash for Business streamlines financial management while maximizing returns on everyday spending.
Pros
- Unlimited 2% cash back
- no category restrictions
- no minimums.
Cons
- Annual fee
- high APR
- requires excellent credit.
4.
Wells Fargo Business Secured
Wells Fargo Business Secured Credit Card is specifically tailored for small business owners looking to build or rebuild their business credit. With a credit line ranging from $500 to $25,000, it requires a matching security deposit. Cardholders benefit from a rewards program, earning 1.5% cash back on every purchase, with no annual fee. The card supports multiple employee cards and offers robust online management tools, making it easier for businesses to track expenses and manage finances. It's an ideal choice for businesses seeking to establish strong credit foundations.
Pros
- Builds credit
- rewards program
- cash management tools.
Cons
- Annual fee
- high APR
- security deposit required.
5.
Bank of America Business Advantage
Bank of America Business Advantage offers tailored financial solutions to support small and mid-sized businesses. Providing a comprehensive suite of services, including business checking and savings accounts, credit cards, loans, and merchant services, it aims to streamline operations and fuel growth. Clients benefit from dedicated relationship managers, advanced digital tools, and access to resources such as cash flow management and business planning. With a focus on personalized support and innovative solutions, Bank of America Business Advantage helps businesses navigate financial challenges and achieve their goals with confidence.
Pros
- Comprehensive services
- strong online tools
- wide branch network
Cons
- High fees
- customer service variability
- lower interest rates.
6.
CitiBusiness / AAdvantage Platinum
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a business credit card designed for frequent flyers with American Airlines. Cardholders earn AAdvantage miles on purchases, including double miles on eligible American Airlines purchases, as well as on select business-related expenses. Key benefits include a free checked bag, preferred boarding, and 25% savings on in-flight purchases. Additionally, users can enjoy a bonus miles offer if they meet the spending requirement within the specified period. This card helps business owners manage expenses while maximizing travel rewards and enhancing their travel experience.
Pros
- Rewards on business purchases
- travel perks
- free checked bags
- airport priority boarding.
Cons
- Annual fee
- limited airline use.
7.
U.S. Bank Business Platinum
The U.S. Bank Business Platinum is a credit card designed for business owners seeking cost-effective financial solutions. It offers an introductory 0% APR on purchases and balance transfers for the first 18 billing cycles, followed by a variable APR. With no annual fee, it helps businesses manage expenses while saving on interest costs. Cardholders benefit from flexible spending power, fraud protection, and expense management tools, making it an ideal choice for businesses focused on growth and financial efficiency. Additionally, it features access to online account management for easy tracking of finances.
Pros
- No annual fee
- 0% intro APR
- rewards flexibility
Cons
- Limited perks
- requires good-to-excellent credit
- fewer benefits compared to similar cards.
8.
Discover it Business Card
The Discover it® Business Card is a versatile financial tool designed for small business owners seeking rewards on everyday expenditures. It offers 1.5% cash back on all purchases, with no annual fee. Additionally, new cardholders enjoy a unique Cashback Match™ at the end of their first year, doubling their earned rewards. The card features robust fraud protection, free business credit scores, and 0% introductory APR for the first 12 months on purchases. It's a cost-effective, reward-rich option for entrepreneurs focused on maximizing their business spending benefits.
Pros
- Cash back rewards
- no annual fee
Cons
- Limited travel perks
- acceptance varies by location.
9.
BBVA Secured Visa Business
The BBVA Secured Visa Business card is designed for small business owners looking to establish or rebuild their business credit. Backed by a security deposit, it offers a credit limit corresponding to the deposit amount. Cardholders benefit from competitive fees, detailed expense tracking, and rewards on business-related purchases. Additionally, it provides access to online banking tools, fraud protection, and management resources to streamline financial operations. Ideal for entrepreneurs aiming to strengthen their financial footing while enjoying the perks and security of a reputable business credit card.
Pros
- Builds credit
- helps manage expenses.
Cons
- Requires collateral
- fees apply.
10.
PNC Business Options Visa
The PNC Business Options Visa is a versatile credit card designed to cater to the diverse needs of businesses. It offers a customizable rewards program where cardholders can select from three different categories: cash back, travel, or a revolving credit option. The card also features no preset spending limit, providing flexibility to accommodate varying business expenses. Additional benefits include detailed expense management tools, fraud protection, and a suite of travel and emergency services, making it an excellent resource for managing and optimizing business financial operations.
Pros
- Flexible rewards
- customizable features
- no annual fee
Cons
- High APR
- limited travel perks
- fewer acceptance networks globally.