10 Best Sole Proprietorship Business Credit Cards February 2020

On Chase's Secure Website

Rating 5 5

Best For: Office-based businesses that want top cash back rewards

Intro APR ^?0% APR for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Note: The information related to the ChaseInk Business Cash℠ Credit Card Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

Top rewards for office supply spending
Introductory APR on purchases
Cash sign-up bonus

Cons

0% APR doesn’t apply to balance transfers
High balance transfer fee of 5%
Designed mainly for office-oriented companies

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Chase Ink Business Cash^SM is the overall best sole proprietorship small business credit card because it charges no annual fee and offers ongoing rewards worth up to 5% cash back. It also offers a $500 bonus after spending $3,000 within the first three months. Additionally, you’ll receive interest-free financing on purchases for 12 months.

Chase Ink Business Cash^SM Costs

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the transferred amount, whichever is greater

Compare these costs to the American Express Blue Business Cash^TM Card.

Chase Ink Business Cash^SM Rewards

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year, then 1% afterward.
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward.
1% cash back on all other purchases.

Welcome offer: Earn $500 cash back after spending $3,000 within the first three months after account opening.

Compare these startup business credit card rewards to the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

Chase Ink Business Cash^SM Additional Features

Auto rental collision damage waiver: Chase provides primary coverage when you rent a car for business purposes, which replaces your personal insurance and the rental company’s insurance. Chase will reimburse you up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Provides coverage against damage or theft for the first 120 days after purchase. This coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Provides an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Learn more: Chase Ink Business Cash^SM reviews

Chase Ink Business Unlimited^SM: Best for Introductory Rewards & 1.5% Cash Back

Ink Business Unlimited℠ Credit Card

On Chase's Secure Website

Rating 4 4

Best For: Pocketing 1.5% cash back on every single purchase

Intro APR ^?0% APR for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases	14.74% - 20.74% Variable	$0	Good - Excellent

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Note: The information related to the Chase Ink Business Unlimited℠ Credit Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

0% APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less

Chase Ink Business Unlimited^SM is best for sole proprietors who want to earn a sign-up bonus and don’t want to take the time to track category rewards. This new business credit card offers fixed-rate 1.5% cash back on all spending. Additionally, it offers an introductory reward of $500 after spending $3,000 within three months. Similar to Chase Ink Business Cash^SM, you’ll receive an introductory 0% APR period for 12 months on purchases.

Chase Ink Business Unlimited^SM Costs

Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 5% of the transferred amount, whichever is greater

Compare these costs with the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

Chase Ink Business Unlimited^SM Rewards

You will earn unlimited 1.5% cash back on all purchases, which makes it a great card for businesses that don’t want to track category rewards.

Welcome offer: Earn $500 cash back after you spend $3,000 in the first three months.

Chase Ink Business Unlimited^SM Additional Features

Auto rental collision damage waiver: Primary coverage when using a rental vehicle for business purposes, which means it replaces any coverage the rental company or your personal insurance offers. Chase may reimburse up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Covers purchased items within 120 days of purchase against damage or theft. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Learn more: Chase Ink Business Unlimited^SM review

American Express Blue Business Cash^TM Card: Best for Interest-free Financing & Cash-back Rewards

American Express Blue Business Cash™ Card

on American Express Blue Business Cash™ Card's secure website.

Rating 3.5 3.5

Best For: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months

Intro APR ^?0% introductory APR for 12 months on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.24% - 19.24% Variable	No annual fee	Good, Excellent

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

No interest for 12 months
Earn consistent 2% cash back rewards on every purchase

Cons

Offers no cash sign-up bonus
2% cash back category is capped at $50,000 in annual spending

Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.

The American Express Blue Business Cash^TM Card is best for sole proprietors who want access to interest-free financing and fixed-rate, cash-back rewards. You’ll have access to no-interest financing for 12 months on purchases and balance transfers. Additionally, other business credit cards that offer an identical 2% cash-back rewards rate typically charge annual fees close to $100.

American Express Blue Business Cash^TM Card Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 13.24% to 19.24% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

Compare this introductory APR with the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

American Express Blue Business Cash^TM Card Rewards

2% cash back on all purchases up to $50,000 each year.
1% cash back on all additional purchases.

Welcome offer: None

If you want to earn fixed-rate rewards and a sign-up bonus, compare these rewards to Chase Ink Business Unlimited^SM.

American Express Blue Business Cash^TM Card Additional Features

Extended warranty protection: The issuer will provide up to one additional year of coverage on eligible warranties of five years or less. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: American Express will repair, replace, or reimburse you for new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per account each year.

Learn more: American Express business card review

American Express Blue Business® Plus: Best for Interest-free Financing & Fixed-rate 2x Points Rewards

The Blue Business® Plus Credit Card from American Express

on The Blue Business® Plus Credit Card from American Express's secure website.

Rating 4.5 4.5

Best For: Pocketing 2x points per $1 and 0% introductory APR for 12 months

Intro APR ^?0% introductory APR for 12 months on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.24% - 19.24% Variable	No annual fee	Good, Excellent

Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable rate, 13.24%-19.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

0% APR for 12 months on purchases and balance transfer
Earn 2x points on all spending

Cons

No lucrative welcome offer
2x points rewards are capped at $50,000 in spending

Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than two years. It provides an additional two years if the original manufacturer’s warranty is between two and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

American Express Blue Business® Plus is best for sole proprietors who want interest-free financing and fixed-rate rewards on all spending. You’ll have no-interest financing for 12 months on purchases and balance transfers. Additionally, this card charges no annual fee and pays up to 2x points on purchases up to $50,000 annually. However, this is one of the few cards on our list that has no sign-up bonus.

American Express Blue Business® Plus Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 13.24% to 19.24% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

Compare these costs with the U.S. Bank Business Cash Rewards World Elite^TM Mastercard®.

American Express Blue Business® Plus Rewards

2x points on all purchases up to $50,000 each year.
1x points on all additional purchases.

Welcome offer: None

Compare these rewards with Chase Ink Business Unlimited^SM.

American Express Blue Business® Plus Additional Features

Extended warranty protection: Provides up to an additional two years of coverage on original manufacturers’ warranties of five years or less. Coverage is limited to $10,000 per claim and $50,000 per year.
Purchase protection: The issuer will repair, replace, or reimburse you for a purchased item that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per year.

Learn more: American Express business card review

U.S. Bank Business Cash Rewards World Elite^TM Mastercard®: Best for Earning a Sign-up Bonus With a Low Spending Requirement

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

On US Bank's Secure Website

Rating 4 4

Best For: Tiered rewards on gas station, office supply store and cell phone purchases

Intro APR ^?0% APR for 15 billing cycles on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0%*	11.99% - 22.99%* Variable	$0*	Excellent

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
0% Intro APR on purchases for the first 15 billing cycles. After that variable APR currently 11.99% - 22.99%
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
1% cash back on other eligible net purchases
No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns

Pros

A 0% APR period on purchases on balance transfers
25% annual cash rewards bonus

Cons

Small introductory bonus offer
Balance transfer fee

MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.

The U.S. Bank Business Cash Rewards World Elite^TM Mastercard® is best for sole proprietors who want to earn an introductory reward by meeting a low spending requirement. You can earn a $500 sign-up bonus after spending $4,500 within 150 days and 3% cash back. It also charges no interest for 15 billing cycles on purchases and balance transfers.

U.S. Bank Business Cash Rewards World Elite^TM Mastercard® Costs

Introductory APR: 0% on balance transfers and purchases for the first 15 billing cycles
Ongoing APR: 11.99% to 22.99% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater
Annual fee: None

Compare this introductory APR to the American Express Blue Business Cash^TM Card.

U.S. Bank Business Cash Rewards World Elite^TM Mastercard® Rewards

3% cash back on cellphone purchases and service.
3% cash back on gas purchases up to $200 per single purchase.
3% cash back at office supply stores.
1% cash back on all other eligible purchases.

Welcome offer: Earn $500 cash back when you spend $4,500 during the first 150 days after account opening.

Compare these rewards to the Bank of America® Business Advantage Cash Rewards Mastercard®.

U.S. Bank Business Cash Rewards World Elite^TM Mastercard® Additional Features

MasterRental car rental collision damage waiver: The issuer covers you in case of accident or theft on all rentals made worldwide. This coverage is primary, which means you won’t need to use your own personal car insurance or accept what the rental company offers. Coverage is limited up to $50,000.
Purchase assurance: The issuer may repair or reimburse for purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per item and up to $25,000 per year.
Extended warranty protection: The issuer will double the manufacturer’s warranty up to an additional one year on eligible warranties of five years or less. U.S. Bank will replace the item or reimburse you up to the amount charged on your card up to $10,000.

Learn more: U.S. Bank business card review

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Earning Gas Rewards

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

Rating 3 3

Best For: Up to 3% cash back in a spending category of your choice

Intro APR ^?0% APR for nine billing cycles on purchases	Regular APR	Annual Fee	Credit Needed
0% 9 billing cycles	13.74% - 23.74% Variable APR on purchases	$0.00	Excellent

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening - with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Pros

Statement credit introductory bonus offer
Low ongoing APR

Cons

Highest rewards are capped at $50,000 each year
Earns top rewards in only one spending category

Bank of American does not disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

The Bank of America® Business Advantage Cash Rewards Mastercard® is best for sole proprietors who want to receive rewards for their gas purchases and pay no annual fee. This card pays 3% cash back on gas station spending—or one of five other spending categories. Plus, you can earn more rewards if you enroll in the Preferred Rewards for Business program.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.74% to 23.74% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $10 or 4% of the transferred amount, whichever is greater

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV and telecommunications services, wireless, computer services or business consulting services (for the first $50,000 in combined choice category or dining purchases each calendar year, 1% thereafter).
2% cash back at restaurants.
1% cash back on all other purchases.

Welcome offer: Earn a $300 statement credit after you spend at least $3,000 within the first 90 days.

With this card, you can earn reward bonuses by enrolling in the Preferred Rewards for Business program. When you enroll, you can earn an additional 25% to 75% rewards bonus on every purchase. This means you could earn up to 5.25% on gas spending. To earn the highest bonus rate (75%), you must have at least $100,000 in deposits or investments with the bank.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

Bank of America doesn’t disclose any details of the card’s additional features until you receive the guide to benefits that comes with your card. However, we do know you’ll receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.

Learn more: Bank of America card review

U.S. Bank Business Platinum Card: Best for Low Introductory & Ongoing APR

U.S. Bank Business Platinum Card

On US Bank's Secure Website

Rating 3.5 3.5

Best For: Extended 0% APR period on purchases and balance transfers

Intro APR ^?0% APR for 20 billing cycles on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0%*	9.99% - 17.99%* Variable	$0	Excellent

0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% - 17.99%*
No annual fee*
Free employee cards
Zero fraud liability* protects you against unauthorized transactions

Pros

One of the longest 0% APR period offered
No annual fee

Cons

Comes without rewards

Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

The U.S. Bank Business Platinum Card is best for business owners who want low introductory and ongoing financing. It charges no interest on purchases and balance transfers for 20 billing cycles. After the introductory period ends, its ongoing variable APR is the lowest on our list. This card offers no rewards program, but it’s mainly designed for business owners looking to save money on interest.

U.S. Bank Business Platinum Card Costs

Introductory APR: 0% APR on purchases and balance transfers for the first 20 billing cycles
Ongoing APR: 9.99% to 17.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater

U.S. Bank Business Platinum Card Rewards

This U.S. Bank business credit card offers no introductory or ongoing rewards. This is the only card on our list that does not offer rewards.

U.S. Bank Business Platinum Card Additional Features

Auto rental collision damage waiver: U.S. Bank will cover up to the cash value of the vehicle in case of accident or theft on car rentals made in the United States and most foreign countries.
Purchase protection: Covers new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per year.
Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year on warranties of three years or less. Coverage is limited to $10,000 per item.

Learn more: U.S. Bank business card review

Discover it® Business Card: Best for Maximizing First-year Rewards

Discover it® Business Card

On Discover's Secure Website

Rating 3 3

Best For: Earning double cash back rewards on new business expenses

Intro APR ^?0% for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0%	14.49% to 22.49% Variable	$0	Good - Excellent

Unlimited 1.5% Cash Back
Cash back Match - We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.
100% U.S. Based Customer Service
Free Employee Cards - Add employee cards with spending limits and earn rewards for all their purchases.

Pros

Double cash back on purchases on the first 12 months
0% APR on purchases

Cons

Low ongoing rewards after the first year
0% APR doesn’t cover balance transfers

Social Security alerts: You will be alerted with free Experian credit monitoring whenever your Social Security number appears on the dark web
Late fee waiver: You won’t incur a fee for the first late payment. Late fees are usually $39 for each occurrence.

The Discover it® Business Card is best for sole proprietors who want to maximize their rewards during the first year. This card pays unlimited 1.5% cash back. Plus, Discover will match—or double—all rewards earned during your first year. This means for the first 12 months of card ownership, you will earn 3% cash back on all purchases. You’ll also receive no-interest financing for 12 months on purchases.

Discover it® Business Card Costs

Introductory APR: 0% for 12 months on purchases
Ongoing APR: 14.49% to 22.49% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: 5% of the transferred amount

If you’re looking to transfer a balance, this card is not right for you. Instead, compare these costs with the American Express Blue Business Cash^TM Card.

Discover it® Business Card Rewards

You’ll earn 1.5% cash back on all purchases. With Discover’s cash-back match offer, you’ll be able to earn 3% cash back over your first year.

Welcome offer: Instead of a traditional introductory offer, Discover matches all cash-back rewards you earn over your first 12 months. After your first year, you’ll receive these rewards in the following one or two billing cycles.

Discover it® Business Card Additional Features

Account lock: Allows you to freeze your account through the mobile app or website to prevent new purchases.
Late fee waiver: You’ll be charged no fee for your first late payment, but $37 thereafter.

Learn more: Discover it® Business Card review

Capital One® Spark® Cash Select for Business: Best for Annual Card Expenses Below $19,000

Capital One® Spark® Cash Select for Business

on Capital One® Spark® Cash Select for Business's secure website.

Rating 3.5 3.5

Best For: Businesses that spend less than $19,000 annually

Intro APR ^?0% for nine months on purchases	Regular APR	Annual Fee	Credit Needed
0% on purchases	14.49% - 22.49% (Variable)	$0	Excellent, Good

Introductory reward worth $200 after you spend $3,000 within the first three months
1.5% cash back on every purchase
Issue employee cards for free

Pros

No annual fee
Ability to finance purchases with 0% APR for nine months

Cons

0% APR doesn’t apply to balance transfers
Can’t redeem rewards for travel or transfer to a travel partner

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Capital One® Spark® Cash Select for Business is best for sole proprietors who spend less than $19,000 annually on their credit cards. That’s the threshold at which you’d receive more benefit from the Capital One® Spark® Cash for Business, but that card charges a $95 annual fee. Capital One® Spark® Cash Select for Business pays unlimited 1.5% cash back.

Capital One® Spark® Cash Select for Business Costs

Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.49% to 22.49% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: None

Compare these costs with Chase Ink Business Unlimited^SM.

Capital One® Spark® Cash Select for Business Rewards

You’ll earn unlimited 1.5% cash back on all purchases. If you want to earn miles to redeem for travel instead of cash back, Capital One offers Capital One® Spark® Miles Select for Business.

Welcome offer: Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first three months from account opening.

Compare these rewards to Chase Ink Business Unlimited^SM.

Capital One® Spark® Cash Select for Business Additional Features

According to Capital One’s website, this card offers Visa® Business Benefits:

Extended warranty protection: Extends U.S. manufacturer’s warranty by up to one additional year on eligible warranties of three years or less.
Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account, per year.

Learn more: Capital One business card review

Capital One® Spark® Classic for Business: Best for Fair Credit

Capital One® Spark® Classic for Business

on Capital One® Spark® Classic for Business's secure website.