9 Best Business Credit Cards That Don’t Report to Personal Credit

On US Bank's Secure Website

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

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 $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 19.24% - 28.24%.
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

19.24% - 28.24% (Variable)

Annual Fee

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 $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 19.24% - 28.24%.
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: We selected it as the best overall business credit card that doesn’t report to personal credit bureaus because of its lucrative rewards and 15-month-long interest-free financing on both balance transfers and purchases. This 0% introductory APR offer is longer than most other business credit cards with ongoing rewards.

Key Benefits:

Generous 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
$500 bonus cash back after you spend $4,500 on eligible purchases within the first 150 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
No annual fee

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. It is also one of our top-recommended 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.

U.S. Bank Business Altitude^TM Connect World Elite Mastercard: Best for Travel Rewards With Airport Lounge Access

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

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 on every three consecutive monthly taxi or rideshare trips.
No foreign transaction fees.
$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.
Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

High sign-up bonus
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
No foreign transaction fee

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

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 on every three consecutive monthly taxi or rideshare trips.
No foreign transaction fees.
$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.
Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

High sign-up bonus
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
No foreign transaction fee

Why we like it: It comes with Priority Pass^TM 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, gift cards, and more.

Key Benefits:

Lucrative rewards
- 5x points on hotels and car rentals booked through the Rewards Center
- 4x points on airfare, hotels, gas, and 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
$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
No foreign transaction fee
ExtendPay® Plan lets you pay your qualifying purchases in equal monthly installments without interest, with only a small monthly fee

It is one of our leading business credit cards with airport lounge access because of its travel perks and lucrative rewards. In addition, it is also one of our top-recommended fuel cards for small businesses because of its high rewards rate on gas.

Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Premium Rewards on 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

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

Intro APR

0%
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
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

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
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: It lets you choose the category where you can earn premium rewards on, which means you get to 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.

Key Benefits:

Unique rewards program
- 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
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 Platinum Honors tier
$300 statement credit when you spend at least $3,000 in net purchases within 90 days after opening an account
0% APR on your purchases for the first nine months of opening an account
No annual fee

Bank of America® Business Advantage Customized Cash Rewards is one of our top business credit cards for limited liability companies (LLC) 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

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

Intro APR

0%
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

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

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

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: 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 for gift cards. Plus, it comes with interest-free financing on purchases for nine months from opening an account.

Key Benefits:

Travel rewards
- 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
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
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.

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.

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 and balance transfers

On US Bank's Secure Website

Intro APR

Regular APR

17.24% - 26.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
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

17.24% - 26.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
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 and don’t mind not earning rewards on your purchases, 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, which applies to both purchases and balance transfers.

Key Benefits:

No annual fee
ExtendPay® plan lets you 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 choices for the best business cards with 0% APR and leading business credit cards for balance transfer.

Coast Visa Card: Best for Gas Expenses & Businesses With Fleets With No Personal Guarantee

Coast Fuel Card

BEST FOR:

Businesses with small to large fleets

on Coast Fuel Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None, only $4 per active card per month

Credit Needed

Good to Excellent

Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
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

Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
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: 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 generous rewards on gas purchases in the form of discounts. Plus, since it’s a Visa card, you can use it anywhere Visa is accepted.

What’s more, it only needs a soft credit pull and doesn’t require a personal guarantee, making it an ideal option for business owners who don’t want to be personally liable for their company’s obligations. Check out our roundup for the top-recommended business cards with no personal guarantee for more options.

Key Benefits:

Generous rewards
- Up to 6 cents off per gallon at 5,000 gas stations
- 2 cents off per gallon everywhere else
- Unlimited 1% cash back on all other non-fuel purchases
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

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. Also, while it doesn’t charge an annual fee, you’ll need to pay $4 per active card, per month.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for Traveling Frequently With American Airlines

CitiBusiness® AAdvantage® Platinum Select® World Mastercard® New

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

BEST FOR:

Frequent American Airlines flyers who want premium airline perks

on Citi's Secure Website

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
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 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
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 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: You’ll earn lucrative rewards in the form of miles, which you can use for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access. Consider this card if you travel with American Airlines regularly but don’t want your card activities reported to personal credit bureaus.

Key Benefits:

Ongoing rewards
- 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
65,000 American Airlines AAdvantage® bonus miles after making at least $4,000 purchases within the first four months of card membership
Low annual fee of only $99, which is waived for the first year
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 generous rewards program.

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

on Ramp Credit Card's secure website.

Intro APR

None

Regular APR

None

Annual Fee

Credit Needed

Poor to Excellent

Unlimited 1.5% cash back on all purchases, regardless of spending categories

Pros

Offers rewards for new and existing cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Ramp is not available to sole proprietors and unincorporated businesses

Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the US 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

Credit Needed

Poor to Excellent

Unlimited 1.5% cash back on all purchases, regardless of spending categories

Pros

Offers rewards for new and existing cardholders
Does not charge additional fees
Offers direct integrations to notable accounting tasks

Cons

Requires paying balances in full each month
Ramp is not available to sole proprietors and unincorporated businesses

Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the US 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: Ramp is a corporate charge card best suited for businesses with at least $75,000 in a business bank account that will be connected to the Ramp card. As one of the top business cards with no personal credit check, it does not require a personal credit check as part of the approval process. For this reason, it is a great option for business owners with low credit scores or those who don’t want to have a credit pull performed on their credit record.

Key Benefits:

Unlimited 1.5% cash back on all purchases, regardless of spending categories
$250 welcome offer, with no minimum spend required
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

Ramp is one of our recommended corporate cards and leading high-limit business credit cards because of its rewards simplicity and streamlined system. Note that it is a charge card, so you must pay your entire balance every due date. Also, it is only available to incorporated companies—sole proprietors and unincorporated businesses are not qualified.

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

On Citi's Secure Website

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.