9 Best Business Credit Cards That Don’t Report to Personal Credit for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
Business credit cards that don’t report to personal credit bureaus are great if you don’t want your business transactions to affect your personal credit score. The best business credit cards that don’t report to personal credit bureaus come with low fees, reasonable annual percentage rates (APRs), and ongoing rewards. Remember that using this type of card can’t help improve your personal credit but most of them can build your business credit when used responsibly.
Here are the nine best business credit cards that don’t report to personal credit bureaus:
- Wells Fargo Business Platinum: Overall best credit card that doesn’t report to personal credit bureaus with rewards flexibility
- U.S. Bank Business Platinum Card: Best for 18-month 0% APR
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for earning $400 welcome bonus and fixed-rate 1.5% cash back
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 15-month 0% APR, up to 5% cash back and businesses with no business credit history
- Bank of America Business Advantage Customized Cash Rewards: Best for earning 3% cash back on your chosen expense category
- Wells Fargo Business Elite Signature Card: Best for high credit limit and low ongoing APR
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for earning travel rewards with 9-month 0% APR
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for traveling frequently with American Airlines
- Coast Fuel Card: Best for gas expenses and businesses with fleets with no personal guarantee
Best Business Credit Cards That Don’t Report to Personal Credit at a Glance
Best For | Sign-up Bonus | Annual Fee | Ongoing Rewards | |
|---|---|---|---|---|
 Wells Fargo Business Platinum | Overall best credit card that doesn’t report to personal credit bureaus with rewards flexibility | $300 cash back bonus or 30,000 bonus points after spending at least $3,000 in the first three months | $0 | 1.5% cash back or 1x points per dollar |
Credit Needed: Good to Excellent | ||||
 U.S. Bank Business Platinum Card | 18-month 0% APR | None | $0 | None |
Credit Needed: Good to Excellent | ||||
 PNC Cash Rewards Visa Signature Business Credit Card | Earning $400 welcome bonus and fixed-rate 1.5% cash back | $400 cash bonus after spending $3,000 in the first three billing cycles | $0 | 1.5% cash back |
Credit Needed: Good to Excellent | ||||
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard | 15-month 0% APR, up to 5% cash back, and for businesses with no business credit history | $500 bonus cash back after spending $4,500 in the first 150 days | $0 | Up to 5% cash back |
Credit Needed: Good to Excellent | ||||
 Bank of America Business Advantage Customized Cash Rewards Mastercard | Earning 3% cash back on your chosen expense category | $300 statement credit after spending $3,000 within 90 days | $0 | Up to 3% cash back |
Credit Needed: Excellent | ||||
 Wells Fargo Business Elite Signature Card | High credit limit and low ongoing APR$ | 1,000 cash back or 100,000 points after spending $25,000 in the first three months | $125; waived for the first year | 1.5% cash back or 1x points per dollar |
Credit Needed: Good to Excellent | ||||
 Bank of America Business Advantage Travel Rewards World Mastercard | Earning travel rewards with 9-month 0% APR | 30,000 bonus (equal to $300 statement credit) points after spending $3,000 in the first 90 days | $0 | Up to 3x points per dollar |
Credit Needed: Excellent | ||||
 CitiBusiness / AAdvantage Platinum Select Mastercard | Traveling frequently with American Airlines | 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 within four months | $99; waived for the first year | Up to 2x miles per dollar |
Credit Needed: Good to Excellent | ||||
 Coast Fuel Card | Gas expenses and businesses with fleets with no personal guarantee | None | None; only $2 per active user, per month | Starts at 2 cents per gallon and 1% cash back |
Credit Needed: Good to Excellent | ||||
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.
Wells Fargo Business Platinum: Overall Best Credit Card That Doesn’t Report to Personal Credit Bureaus With Rewards Flexibility
Wells Fargo Business Platinum Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those with a Wells Fargo checking or savings account that has been open for at least one year
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
Good to Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards: You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
Good to Excellent
- Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
- No annual card fee, plus up to 99 employee cards (no additional fee)
- Cash management tools
- Spending reports available online
- Online banking and bill payment options
Pros
- Cardholders can choose between cash back or points in earning rewards
- With an interest-free financing period for the first nine billing cycles
- Can create up to 99 employee cards at no additional cost
Cons
- Cash back rewards are distributed on a quarterly basis
- You’ll need a Wells Fargo checking or savings account that has been open for at least one year to qualify
- Travel and emergency assistance services: Available for Visa cardholders 24 hours a day, 365 days a year. Specific services and their details can be found here.
- Extended warranty protection: Warranty coverages can be doubled up to one additional year on eligible warranties of three years or fewer.
- Employee cards: You can create up to 99 employee cards at no additional cost
- Zero liability protection and fraud monitoring: Can be fully reimbursed for unauthorized purchases or ATM transactions. In addition, Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your card.
Why we like it: We chose the Wells Fargo Business Platinum card as the best overall business credit card that does not report to consumer credit bureaus because of its rewards flexibility. It allows you to choose points-based rewards or cash back. You can earn either 1.5% cash back on any qualifying business purchases or 1x points for every $1 spent.
Other benefits:
- Sign-up bonus: Earn a one-time $300 cash back bonus or 30,000 bonus points when you spend at least $3,000 in the first three months after opening an account.
- Additional monthly bonus: Opt to earn points and receive an additional 1,000 bonus points each billing cycle that you spend at least $1,000.
- 0% APR: Enjoy interest-free financing on purchases for the first nine billing cycles.
- Low cost: Pay no annual and foreign transaction fees, reducing your credit costs.
- Business credit building: Use the card responsibly to build business credit as Wells Fargo reports your credit history to the business credit bureaus.
U.S. Bank Business Platinum Card: Best for 18-month Introductory 0% APR
U.S. Bank Business Platinum Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- 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 and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- 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 and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- 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: If you plan to make a significant purchase or consolidate your debts from other credit cards, the U.S. Bank Business Platinum Card is your best choice. Among all other business credit cards on this list, this offers the longest introductory 0% APR period of 18 months.
Other benefits:
- No annual fee: With its long 0% APR period and no annual fee, you can save on overall costs.
- Extended pay feature: Eligible account holders can divide qualified credit card purchases into affordable monthly payments with no interest―only a fixed monthly fee.
U.S. Bank Business Platinum Card 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.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for $400 Welcome Bonus & Fixed-rate Cash Back
PNC Cash Rewards® Visa Signature® Business Credit Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
PNC Bank account holders wanting to earn fixed-rate rewards
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Intro APR
0% for 9 billing cycles
Regular APR
15.99% to 24.99% variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
Why we like it: The PNC Cash Rewards® Visa Signature® Business Credit Card is an excellent option if you can spend at least $3,000 in eligible purchases in the first three billing cycles because you can earn a sign-up bonus of $400. This is the highest cash bonus offered for the same spending requirement among all other cards on this list. In addition, it offers a fixed 1.5% cash back on all eligible business purchases with no limit to the amount you can earn.
Other benefits:
- No annual fee: Enjoy earning unlimited rewards without having to pay annual fees.
- 0% APR: Use the card to make large purchases and take advantage of interest-free financing for the first nine billing cycles.
- No foreign transaction fees: Pay no extra fees when you use the card for international purchases.
PNC Cash Rewards® Visa Signature® Business Credit Card made it to our roundup of the best business credit cards with no annual fee because it has a low ongoing APR, generous welcome offer, and simple rewards program.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 15-month 0% APR, Up to 5% Cash Back, & Businesses With No Business Credit History
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers interest-free financing on both balance transfers and purchases for the first 15 billing cycles. New businesses with no credit history may qualify for this card as long as they meet the personal credit requirements, making it one of our top-recommended business cards for businesses with no credit history.
What’s more, it offers lucrative rewards.
- 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 cellphone service providers
- 1% cash back on all other purchases
Other benefits:
- Sign-up bonus: Get a $500 bonus cash back after you spend $4,500 on eligible purchases within the first 150 days of card ownership.
- Annual software credit: Receive a $100 annual statement credit for recurring software subscriptions, like QuickBooks and FreshBooks.
- No annual fee: Earn unlimited rewards without having to pay annual fees.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is one of our leading cash back business credit cards because of its long 0% APR period and generous rewards.
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those wanting to earn 3% cash back in a spending category of your choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.24% - 28.24% 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 (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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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 18.24% to 28.24% 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
- Doesn’t charge annual fees
- With sign-up bonus
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
18.24% - 28.24% 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 (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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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 18.24% to 28.24% 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
- Doesn’t charge annual fees
- With sign-up bonus
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: If you typically spend on specific expense categories, like gas, office supplies, travel, computer services, TV or telecommunication services, or business consulting services, the Bank of America® Business Advantage Customized Cash Rewards credit card may be a good fit. Earn 3% cash back in your chosen expense category and 2% cash back on dining on the first $50,000 in combined purchases each year. When the cap is met, you’ll receive 1% cash back on those categories and all other purchases.
Other benefits:
- More rewards: Earn up to 75% more rewards if you have an existing Bank of America business checking account and you qualify for the Preferred Rewards for Business program.
- Sign-up bonus: Receive a $300 statement credit when you spend at least $3,000 in net purchases within 90 days after opening an account.
- 0% APR: Enjoy a 0% APR period on your purchases for the first nine months.
- No annual fee: Receive all the benefits of this card without paying an annual fee.
Bank of America® Business Advantage Customized Cash Rewards is one of our top business credit cards for limited liability companies (LLCs) and best small business credit cards because of the above-mentioned benefits and rewards.
Wells Fargo Business Elite Signature Card: Best for High Credit Limit & Low Ongoing APR
Wells Fargo Business Elite SignatureCard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Businesses with over $1 million in annual sales
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing APR
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing APR
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Why we like it: If you need a high credit limit, the Wells Fargo Business Elite Signature Card® may be a suitable option as it is one of our best high-limit business credit cards. It also offers the lowest ongoing APR among all cards on this list at Prime rate plus 3.99%.
Other benefits:
- Rewards flexibility: Choose to receive either 1.5% cash back or 1x points per dollar on all purchases.
- Sign-up bonus: Earn a welcome bonus of either a $1,000 cash back or 100,000 points after spending $25,000 in the first three months of card ownership.
- Additional monthly bonus points: Choose to earn points and get 5,000 bonus points when your company spends at least $10,000 in a month.
- Low annual fee: Pay an annual fee of only $125, which is waived for the first year.
- Travel perks: Enjoy no foreign transaction fees on international purchases and receive a travel incidental fee reimbursement of up to $100 per calendar year.
It’s worth noting that to qualify for the Wells Fargo Business Elite Signature Card®, your business’s annual sales should be over $1 million.
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
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
18.24% - 28.24% 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 on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- 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 18.24% to 28.24% 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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
18.24% - 28.24% 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 on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- 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 18.24% to 28.24% 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
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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: If you frequently travel for business, the Bank of America® Business Advantage Travel Rewards World Mastercard® is a great choice. Earn 3x points per dollar spent when you book your travel, including flights, car rental, or hotel stays, through the Bank of America® Travel Center. You’ll also earn unlimited 1.5x points per dollar on all other purchases. Plus, it comes with interest-free financing on purchases for nine months from opening an account.
Other benefits:
- Sign-up bonus: Get 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.
- No annual fee: Enjoy earning unlimited rewards without the extra cost of an annual fee.
- More rewards: Earn 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.
Bank of America® Business Advantage Travel Rewards World Mastercard® is one of our top choices for the best business credit cards for travel because of its generous rewards which you can redeem for travel or travel credits.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for Traveling Frequently With American Airlines
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent American Airlines flyers wanting premium airline perks
Intro APR
N/A
Regular APR
20.74% to 29.74% 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
- With signup bonus
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 1) after spending $30,000 or more in purchases each calendar year and 2) 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
20.74% to 29.74% 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
- With signup bonus
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 1) after spending $30,000 or more in purchases each calendar year and 2) 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: If you travel with American Airlines regularly but don’t want your card activities reported to personal credit bureaus, consider the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. You can earn 2x miles for every dollar spent on eligible American Airlines purchases and 65,000 American Airlines AAdvantage® bonus miles after making at least $4,000 purchases within the first four months of card membership.
Other benefits:
- Rewards on other expenses: Receive 2x miles on expenses at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, and 1x miles for every dollar spent on all other purchases.
- Low annual fee: Pay an annual fee of only $99, which is waived for the first year.
- Travel perks: Enjoy travel perks such as a free checked bag, in-flight savings, priority boarding, and access to airport lounges.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is also one of our leading business credit cards for miles because of its lucrative rewards program.
Coast Fuel Card: Best for Gas Expenses & Businesses With Fleets With No Personal Guarantee
Coast Fuel Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $2 per active user per month
Credit Needed
Good to Excellent
- 2 cents off per gallon on your statement
- 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
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $2 per active user per month
Credit Needed
Good to Excellent
- 2 cents off per gallon on your statement
- 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
Why we like it: Coast Visa is a universally-accepted fuel card that’s ideal for businesses with substantial gas expenses and those with small to large fleets. It offers two cents off per gallon anywhere you purchase gas.
Plus, since it’s a Visa card, you can use it anywhere Visa is accepted, and you can earn unlimited 1% cash back on all other non-fuel purchases. Note that while it doesn’t charge an annual fee, you’ll need to pay $2 per active user per month. What’s more, it only needs a soft credit pull and doesn’t require a personal guarantee.
Other benefits:
- Partner rebates: Enjoy rebates and discounts from partner merchants, such as RaceTrac and RaceWay, Casey’s, Jiffy Lube, and Discount Tire.
- Access to the Coast portal: Take advantage of robust controls, set limits, authorize payments, and order and assign cards to employees.
- Real-time visibility: Monitor your spending and get alerts for any suspicious transactions.
- Build business credit: Use your card responsibly and build business credit because Coast reports monthly to the Small Business Financial Exchange—SBFE Certified Vendors include Dun & Bradstreet, Experian, and Equifax.
Coast Fuel Card is one of our best fuel business credit 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.
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, PNC, 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:
Issuer | Reports to Consumer Credit Bureaus | Reports to Business Credit Bureaus |
|---|---|---|
American Express | Negative information only | Yes |
Capital One | Depends on card* | Yes |
Chase | Negative information only | Yes |
Discover | Yes | Yes |
Citi | No | Yes |
PNC | No | Yes |
Bank of America | No | Yes |
U.S. Bank | No | Yes |
Wells Fargo | No | Yes |
*For business owners who opened a Capital One® Spark® Cash Plus for Business account on or after October 20, 2020: Capital One will no longer report to personal credit bureaus as long as an account remains in good standing. All other Capital One Spark for Business cards report activity 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.
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.
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.
