Editor’s note: This is a recurring post with regularly updated card details.
While most business credit cards can help you build your personal credit scores when used responsibly, there are those that don’t report to personal credit bureaus if you don’t want your business transactions to affect your personal credit. The best business credit cards that don’t report to personal credit bureaus come with low fees, reasonable Annual Percentage Rates (APRs), and other benefits, like a welcome offer, ongoing rewards, or 0% introductory APRs.
We recommend the following best business credit cards that don’t report to personal credit:
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Overall best credit card that doesn’t report to personal credit bureaus with a 12-month 0% APR and up to 5% cash back
- Coast Fuel Card: Best for gas expenses and businesses with fleets
- Ramp: Best for large businesses and no personal credit check
- Bank of America Business Advantage Customized Cash Rewards: Best for earning premium rewards in your chosen expense category
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for travel rewards with nine-month 0% APR
- U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for travel rewards with airport lounge access
- U.S. Bank Business Platinum Card: Best for interest-free financing option for 18 billing cycles
- Costco Anywhere Visa Business Card by Citi: Best for frequent Costco shoppers
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for traveling frequently with American Airlines
Looking for robust expense management Business Cards? Check out Ramp Today |
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Overview of the Best Business Credit Cards That Don’t Report to Personal Credit 2024
To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Overall Best Credit Card That Doesn’t Report to Personal Credit Bureaus With 12-Month 0% APR & up to 5% Cash Back
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.49% - 27.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.49% - 27.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
We selected this as the best overall business credit card that doesn’t report to personal credit bureaus because of its 12-month-long interest-free financing on purchases. This period is longer than what most other business credit cards with ongoing rewards provide. You can also earn lucrative cash back on your purchases, as follows:
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible net purchases at gas stations, office supply stores, restaurants, and cell phone service providers
- 1% cash back on all other purchases
Other Benefits
- $750 bonus cash back after you spend $6,000 on eligible purchases within the first 180 days of card ownership
- $100 annual statement credit for recurring software subscriptions, like QuickBooks and FreshBooks
- ExtendPay® Plan lets you pay off your eligible balance over time in monthly installments without interest—just pay a fixed monthly fee
- $0 annual fee
Who Should Consider It
- Those needing a long zero-interest financing period and wanting to earn rewards
- Those spending on recurring software subscriptions
It is one of our leading cash back business cards because of its long 0% APR period and generous rewards. It is also one of our top business cards for businesses with no credit history, which means new businesses with no credit history may qualify as long as they meet the personal credit requirements.
Coast Fuel Card: Best for Gas Expenses & Businesses With Fleets With No Personal Guarantee
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- 2 to 10 cents off per gallon everywhere Visa is accepted
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with Quickbooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why We Like It
It is a universally accepted fuel card you can use anywhere Visa is accepted. It offers up to 6 cents off per gallon on fuel, and you’ll also earn 1% cash back on all other non-fuel purchases. What’s more, it only needs a soft credit pull and doesn’t require a personal guarantee. It also provides customizable and robust controls and has a $0 annual fee—you’ll only need to pay $4 per active card, per month.
Other Benefits
- Rebates and discounts from partner merchants, such as RaceTrac and RaceWay, Casey’s, Jiffy Lube, and Discount Tire
- Access to the Coast portal that offers robust controls and allows you to set limits, authorize payments, and order and assign cards to employees
- Real-time visibility lets you monitor your spending and get alerts for any suspicious transactions
- Build business credit when you use your card responsibly as Coast reports monthly to the Small Business Financial Exchange (SBFE); certified vendors include Dun & Bradstreet, Experian, and Equifax
- No personal guarantee—you won’t be personally liable for your business’s debts
Who Should Consider It
- Those with substantial gas expenses and have small to large fleets
- Those not wanting to provide a personal guarantee
Coast Visa Card is one of our best business fuel cards and top instant approval business cards. Note, however, that it’s a charge card, which means your balance is due in full each month—otherwise, you need to pay a penalty fee of $35.
Ramp: Best for Large Businesses & No Personal Credit Check
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
It is a corporate charge card that doesn’t require a personal credit check as part of the approval process. On top of that, it lets you earn up to 1.5% cash back on purchases, regardless of spending categories. It’s worth noting that the entire balance is due each billing cycle.
Other Benefits
- Over $350,000 in partner rewards in the form of discounts from partner merchants, including Gusto, QuickBooks, Accelerate Tax, UPS, Amazon Web Services (AWS), and Rippling, among others
- Seamless platform that lets you set controls, block merchants, and monitor spending
- High credit limits that are usually 10 to 20 times more than most other corporate or business credit cards
Who Should Consider It
- Those with at least $50,000 in a business bank account that will be connected to the Ramp card
- Incorporated companies (sole proprietors and unincorporated businesses are not qualified)
Ramp is one of our top business cards with no personal credit check and best high-limit business credit cards because of its rewards simplicity and streamlined system. It also tops our list of the leading corporate cards.
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Premium Rewards in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why We Like It
It lets you choose the category in which you can earn premium rewards, which means you control your rewards-earning potential based on your business’s spending habits. If you typically spend on specific expense categories, like gas, office supplies, travel, computer services, TV or telecommunication services, or business consulting services, it may be a good fit. You can earn a unique rewards program, as follows:
- 3% cash back on your chosen expense category and 2% cash back on dining on the first $50,000 in combined purchases each year
- 1% cash back on those categories when the cap is met and on all other purchases
Other Benefits
- Upto 75% more rewards if you have an existing Bank of America business checking account and you qualify for the Preferred Rewards for Business program
- $300 statement credit when you spend at least $3,000 in net purchases within 90 days of opening an account
- 0% APR on your purchases for the first nine months of opening an account
- $0 annual fee
Who Should Consider It
- Those preferring to choose where to earn premium rewards based on spending habits
- Those with an existing Bank of America business checking account
Bank of America® Business Advantage Customized Cash Rewards is one of our top business cards for LLCs and best small business credit cards because of the above-mentioned benefits and rewards.
Bank of America Business Advantage Travel Rewards World Mastercard®: Best for Earning Travel Rewards With 9-month 0% APR
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t 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.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t 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.
Why We Like It
With this card, you can take advantage of interest-free financing on purchases for the first nine billing cycles. Plus, you’ll earn generous points-based rewards that you can redeem for travel with no blackout dates in the Bank of America Travel Center and for cash back or gift cards:
- 3x points per dollar spent when you book your travel, including flights, car rental, or hotel stays, through the Bank of America® Travel Center
- 1.5x points per dollar on all other purchases
Other Benefits
- 30,000 bonus points (equivalent to a $300 statement credit toward travel or dining) after spending at least $3,000 in the first 90 days of card ownership
- Up to 75% more points if you have an existing deposit account with Bank of America and are a member of the Preferred Rewards for Business program
- $0 annual fee
Who Should Consider It
- Those who travel frequently and want to earn points that can be redeemed for travel
- Those with an existing Bank of America business checking account
Bank of America® Business Advantage Travel Rewards World Mastercard® is one of our best business cards for travel and best business cards with no foreign transaction fees because of its generous rewards which you can redeem for travel or travel credits.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®: Best for Travel Rewards With Airport Lounge Access
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Intro APR
N/A
Regular APR
19.49% - 26.49% Variable
Annual Fee
$0 Intro Annual Fee for the first year, $95 therafter.
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Why We Like It
This card comes with Priority PassTM Digital annual membership, which provides four complimentary visits per year to more than 1,300 VIP lounges worldwide. Not only that, but you will also earn generous rewards on your purchases, which you can use for travel, merchandise, and gift cards, including:
- 5x points on hotels and car rentals booked through the Rewards Center
- 4x points on airfare, hotels, gas, and electric vehicle (EV) charging stations on the first $150,000 in combined expenses per year
- 2x points on dining, takeout, restaurant delivery, and cellphone services
- 1x points on all other purchases and when the cap is met
Other Benefits
- $0 introductory annual fee for the first year, then pay a low annual fee of $95 thereafter
- 60,000 bonus points, which is equivalent to $600, after spending $6,000 in the first 180 days of card ownership
- $0 foreign transaction fee
- ExtendPay® Plan lets you pay your qualifying purchases in equal monthly installments without interest, just a small monthly fee
Who Should Consider It
- Those who travel frequently and need to access airport lounges
- Those with a personal U.S. Bank Altitude® Go or Altitude® Connect card, as it allows you to transfer points between cards
It is one of our leading business cards with airport lounge access because of its travel perks and lucrative rewards. In addition, it is one of our top fuel cards for small businesses because of its high rewards rate on gas.
U.S. Bank Business Platinum Card: Best for Interest-free Financing Option for 18 Billing Cycles
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
17.49% - 26.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.49% - 26.49%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
0% intro on purchases for 18 billing cycles
Regular APR
17.49% - 26.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- 0% Intro APR on purchases 18 billing cycles. After that, a variable APR currently 17.49% - 26.49%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- With a long 0% introductory APR period on purchases
- Enjoy $0 annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- No 0% APR offer on balance transfers
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank's one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank's fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee. Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Why We Like It
You can make a significant purchase or consolidate your debts from other credit cards without paying interest for the first 18 months, which is the longest 0% APR offer among all other business credit cards on this list. This offer applies to both purchases and balance transfers.
Other Benefits
- $0 annual fee
- Low starting APR compared to other business credit cards featured in this guide
Who Should Consider It
- Those needing a long 0% APR offer on both purchase and balance transfer transactions
- Those who don’t mind not earning rewards on purchases
Note that it does not have introductory and ongoing rewards. The main benefit of owning this card is its long interest-free financing period, which is the longest among all business credit cards on this list, making it our top choice for the best business cards with 0% APR and leading business cards for balance transfers.
Costco Anywhere Visa Business Card by Citi: Best for Frequent Costco Shoppers
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Why We Like It
The card offers premium cash back on gas and purchases at Costco and Costco.com that you can redeem in the form of an annual reward certificate. You can use this certificate for cash or merchandise in a single transaction at any US Costco Warehouse. Here are the rewards you’ll receive:
- 4% cash back on gas purchases worldwide, including gas at Costco, for the first $7,000 per year, then 1% thereafter
- 3% cash back at restaurants and on eligible travel purchases worldwide, including Costco Travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Other Benefits
- $0 foreign transaction fees
- $0 annual fee
- Travel benefits, including travel and emergency assistance, worldwide car rental insurance, travel accident insurance, and roadside assistance dispatch service
Who Should Consider It
- Frequent shoppers at Costco and Costco.com and are a Costco member
- Those with significant expenses on gas and travel
It is also one of our top-recommended store cards. Note, however, that while it has a $0 annual fee, you need to have an active membership to qualify for this card—and the membership fee ranges from $60 to $120 annually.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for Traveling Frequently With American Airlines
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
BEST FOR:
Frequent American Airlines flyers who want premium airline perks
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- Welcome offer
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- Welcome offer
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
Why We Like It
The card lets you earn lucrative rewards in the form of miles, which you can use for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access. You can earn:
- 2x miles for every dollar spent on eligible American Airlines purchases
- 2x miles per dollar on expenses at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1x miles for every dollar spent on all other purchases
Other Benefits
- 75,000 American Airlines AAdvantage® bonus miles after making at least $5,000 purchases within the first five months of card membership
- $0 introductory annual fee for the first year, then only $99 per year thereafter
- Travel perks such as a free checked bag, in-flight savings, priority boarding, and access to airport lounges
Who Should Consider It
- Loyal customers of American Airlines
- Those who often travel with companions and have checked luggage (you can take advantage of one free checked bag each for you and up to four travel companions per trip)
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is also one of our leading business cards for miles because of its generous rewards program.
How We Selected the Best Business Credit Cards That Don’t Report to Personal Credit
When choosing the best business credit cards that don’t report to personal credit bureaus, we looked at the strongest features, including fees, regular APR, introductory bonuses, introductory rates, ongoing rewards, and other benefits.
Pros & Cons of Using Business Credit Cards That Don’t Report Personal Credit
| PROS | CONS |
|---|---|
| Separates your personal credit: Cards that don’t report to personal credit bureaus are a good choice when you want to protect your personal credit score or prefer to keep your business and personal credit activity separate. | Can’t build personal credit: As you use your business credit card regularly and make consistent on-time payments, your business credit score will grow quickly. However, cards that don’t report to personal credit won’t help your personal credit score. |
| Keeps your credit utilization ratio low: Business credit cards tend to accumulate higher balances, which can increase your credit utilization ratio. A low credit utilization ratio is a contributing factor toward a strong personal credit score. | Requires personal guarantee: Though these cards don’t report personal credit, most still require a personal guarantee. This means you’re liable for your business’s debts if you fail to pay the credit card bill. See our best business cards with no personal guarantee for options. |
Business credit cards that don’t report to personal credit bureaus are those issued by U.S. Bank, Bank of America, Citi, and Wells Fargo. Some other specialized cards, like charge cards and fuel cards, also don’t report to personal credit bureaus. If you use a card from any of these issuers, your activity won’t affect your personal credit score.
However, they still report your usage and payment behavior to commercial credit bureaus, building your business credit score when you use them responsibly. Here’s the list of known business credit card issuers and what they report:
Frequently Asked Questions (FAQs)
Most business credit card issuers report your transactions and payment history to personal credit bureaus, affecting your credit score. Using a business credit card can either harm or improve your personal credit score, depending on how responsibly you use it. Note, however, that some card issuers, like American Express, only report negative information.
Most business credit card companies will check your personal credit score as part of the qualification process. This may include running a hard credit check on your personal credit, which may harm your credit score a bit. The Coast Fuel Card, however, will only perform a soft credit pull on your personal credit, which will not adversely affect your score.
Most business credit cards require personal guarantees from the business owners. This means that the owners are personally liable for their company’s financial obligations. In the event the business fails to pay its credit card debts, the card issuers can go after the personal assets of the owners. There are some credit cards, typically corporate cards and business charge cards, that don’t require personal guarantees.
Bottom Line
When deciding which business credit cards do not report to personal credit bureaus are right for your business, consider the fees, rates, and reward structure. Also, make use of free financial tools that are included with online and mobile banking to stay on top of your business finances. You can also take advantage of the introductory bonuses and 0% APR period offered by some issuers to maximize their benefits.
