7 Best Business Credit Cards That Don’t Report to Personal Credit for 2022
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.
If you want a business credit card that won’t affect your personal credit score, consider one of the best business credit cards that don’t report to personal credit bureaus. To choose the right one, evaluate essential factors like the terms, fees, rewards, and redemption options. Remember that using this type of business credit card can’t help build your personal credit.
Here are the seven 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
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best for low starting annual percentage rate (APR)
- U.S. Bank Business Platinum Card: Best for long introductory 0% APR
- Costco Anywhere Visa® Business Card by Citi: Best for gas expenses and recurring Costco purchases
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning cash back rewards with 0% APR on purchases and balance transfers
- Wells Fargo Business Secured: Best for owners with bad or limited credit
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best for traveling frequently with American Airlines
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
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:
Choosing cash back or points rewards with no annual fee
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
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
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Intro APR
0%
Regular APR
Prime + 7.99% to Prime + 17.99% on purchases
Annual Fee
$0
Credit Needed
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
- Excellent introductory bonus offer
- No-interest financing period
- Ongoing bonus rewards for meeting monthly spending requirements
- Register employee cards with no additional fees
Cons
- Low ongoing rewards
- Airline ticket redemption fees
- Points have an expiration
- Purchase security: Wells Fargo offers coverage for purchased items that have been damaged or stolen within 90 days of purchase. They may repair, replace, or reimburse you for the items. Coverage is limited to $10,000 per item and up to $50,000 per year.
- Wells Fargo design studio: Wells Fargo allows you to design your card by uploading an image that represents your company. For example, the image could be your business logo or storefront.
Why we like it: We chose the Wells Fargo Business Platinum card as the best overall business credit card that doesn’t 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 1 point for every $1 spent. If you opt for points, as a bonus, you earn an additional 1,000 points each billing cycle that you spend at least $1,000. This card is also named one of our leading business credit cards for self-employed because of its flexible rewards options.
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. Also, enjoy interest-free financing on purchases for the first nine billing cycles. It comes with no annual and foreign transaction fees, so using this card can reduce your overall credit cost. Keep in mind that Wells Fargo reports your credit history to the business credit bureaus, helping you build business credit when you use the card responsibly.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Starting APR
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% 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
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Intro APR
0% for 9 billing cycles
Regular APR
13.24% to 22.24% 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
- No annual fee
- Sign-up bonus
- Low ongoing APR
Cons
- Short 0% APR period
- No 0% APR period on balance transfers
- Online application not available for nonaccount holders
- Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
- Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
- Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.
Why we like it: The PNC Cash Rewards® Visa Signature® Business Credit Card has the lowest starting APR among the other cards on this list, making it a great option if you tend to carry a balance from time to time. It has no annual fee and offers a fixed 1.5% cash back on all eligible business purchases with no limit to the amount you can earn. In addition, you’ll receive a sign-up bonus of $400 if you make at least $3,000 in eligible purchases in the first three billing cycles.
After opening an account, you’ll also enjoy interest-free financing on purchases for the first nine billing cycles. This card made it to our list of the best business credit cards with no annual fee because of its low ongoing APR and simple rewards program.
U.S. Bank Business Platinum Card: Best for Long 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
0% Intro APR on purchases and balance transfers for 20 billing cycles.
Regular APR
14.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.24% - 23.24%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Intro APR
0% Intro APR on purchases and balance transfers for 20 billing cycles.
Regular APR
14.24% - 23.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.24% - 23.24%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- 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
- Offers a long 0% APR introductory period
- 0% APR applies to both purchases and balance transfers
- No annual fee
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Excellent/good credit score needed to qualify
- Extended warranty protection: U.S. Bank will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. Coverage is limited to $10,000 per item.
- Purchase protection: U.S. Bank offers purchase protection for items that are damaged or stolen within 90 days of purchase. The coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
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 20 months. It also comes with a low starting APR and no annual fee and is our top choice for the best business cards with 0% APR.
For eligible account holders, it offers ExtendedPay, which provides a new payment option that allows you to divide qualified credit card purchases into affordable monthly payments with no interest―only a fixed monthly fee. Keep in mind, however, that the card doesn’t have introductory and ongoing rewards.
Costco Anywhere Visa® Business Card: Best for Gas Expenses & Recurring Costco Purchases
Costco Anywhere Visa® Business Card by Citi
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:
Existing or new Costco members
Intro APR
N/A
Regular APR
17.49%
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cashback categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Damage & 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).
- Fraud early warning: Citi will contact you by text, email, phone, or mail to help secure the card if there’s suspicious activity.
- Paperless statements & e-communications: You can view, print, and save previous and current statements immediately, at no additional cost.
- Citi Quick Lock: This helps instantly block new purchases and cash advances while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- Citi® Concierge: Citi® Concierge gives you access to several experts that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
- Citi Entertainment: Card holders can get special access to presale tickets and exclusive events, including the year’s most anticipated concerts, sporting events, dining experiences, and more.
Intro APR
N/A
Regular APR
17.49%
Annual Fee
0
Credit Needed
Good - 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
- No annual fee
- Generous cashback categories
- No foreign transaction fees
Cons
- Inflexible cashback redemption system
- Benefits are only applicable to Costco members
- No sign-up bonus
- Damage & 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).
- Fraud early warning: Citi will contact you by text, email, phone, or mail to help secure the card if there’s suspicious activity.
- Paperless statements & e-communications: You can view, print, and save previous and current statements immediately, at no additional cost.
- Citi Quick Lock: This helps instantly block new purchases and cash advances while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- Citi® Concierge: Citi® Concierge gives you access to several experts that work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
- Citi Entertainment: Card holders can get special access to presale tickets and exclusive events, including the year’s most anticipated concerts, sporting events, dining experiences, and more.
Why we like it: If your small business frequently shops at Costco or Costco.com, you can earn premium rewards from the Costco Anywhere Visa® Business Card by Citi. It’s also a great option if you have frequent fuel expenses, making it one of our top-ranking small business fuel cards. It offers 4% cash back on gas purchases at eligible gas stations nationwide, including Costco, for the first $7,000 per year, then 1% thereafter. Earn 3% cash back on travel and dining expenses, 2% cash back on purchases from Costco and Costco.com, and 1% on all other purchases.
Keep in mind that cash back redemption isn’t as convenient with this card compared to other business credit cards. Rewards are given annually as a certificate, which is redeemable for either cash or Costco merchandise at a Costco warehouse. While there’s no annual fee, you need to pay for a Costco membership to qualify for this card. Citi will report your credit history to the business credit bureaus.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Cash Back Rewards with 0% APR on Purchases & Balance Transfers
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
0% for first 15 billing cycles
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.24% to 25.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal 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
- 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
0% for first 15 billing cycles
Regular APR
16.24% - 25.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.24% to 25.24%.
- No annual fee
- Pay over time by splitting eligible purchases of $100-plus into equal 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
- 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 3% cash back on eligible net purchases at gas stations, office supply stores, restaurants, and cellphone service providers, and then 1% cash back on all other purchases. You’ll also receive a $500 bonus cash back after you spend $4,500 on eligible purchases within the first 150 days of card ownership. This card is one of our leading cash back business credit cards because it has no annual fee, low ongoing APR, and offers a generous rewards program.
You can also take advantage of interest-free financing on both balance transfers and purchases for the first 15 billing cycles. While this is shorter than the U.S. Bank Business Platinum card’s 20-month 0% period, the 15-month zero-interest period is still one of the longest introductory rates available. In addition, you can earn unlimited cash back rewards on eligible purchases, unlike the U.S. Bank Business Platinum Card, which doesn’t offer rewards.
Wells Fargo Business Secured: Best for Owners With Bad or Limited Credit
Wells Fargo Business Secured 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:
Business owners with poor credit
Intro APR
N/A
Regular APR
Prime + 11.90% on purchases
Annual Fee
None
Credit Needed
N/A
- Cash Back option:
Earn 1.5% cash back on every $1 spent - Reward Points option:
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 - $0 annual rewards program fee
- $500 to $25,000 credit line
- Zero liability protection
Pros
- Businesses with low or bad credit scores can qualify
- Your choice of fixed-rate cash back or points rewards
- No annual fee
Cons
- Requires a security deposit of at least $500
- Credit limit will be based on the security deposit
- Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
- Design studio: Include a personal image or business design on your credit card.
Intro APR
N/A
Regular APR
Prime + 11.90% on purchases
Annual Fee
None
Credit Needed
N/A
- Cash Back option:
Earn 1.5% cash back on every $1 spent - Reward Points option:
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 - $0 annual rewards program fee
- $500 to $25,000 credit line
- Zero liability protection
Pros
- Businesses with low or bad credit scores can qualify
- Your choice of fixed-rate cash back or points rewards
- No annual fee
Cons
- Requires a security deposit of at least $500
- Credit limit will be based on the security deposit
- Purchase assurance: Wells Fargo will repair, replace, or reimburse you for items that are damaged or stolen within 90 days of purchase.
- Design studio: Include a personal image or business design on your credit card.
Why we like it: Although you’ll need a Wells Fargo business checking account to apply for the Wells Fargo Business Secured card, it’s your best option if you have poor or limited credit. You need to make a security deposit that ranges from $500 to $25,000, which will determine your credit limit. It’s our best business secured credit card because it has no annual fee and offers flexible rewards options.
Just like the Wells Fargo Business Platinum, you can choose how you’d like to earn rewards. You can earn 1.5% cash back on any qualifying purchases or 1x point for every $1 spent. If you opt for points, you earn an additional 1,000 bonus points each billing cycle that you spend at least $1,000. Wells Fargo reports your payment and usage behavior to the Small Business Financial Exchange (SBFE), helping you build business credit.
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 who want premium airline perks
Intro APR
N/A
Regular APR
18.24% to 27.24% Variable
Annual Fee
$0 for the first year, then $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
- Provides travel perks with American Airlines
- No mileage cap
- No foreign transaction fees
Cons
- With annual fees
- 2x AAdvantage® Miles are limited to select business categories and merchants
- Limited travel benefits
- Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card 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 for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Intro APR
N/A
Regular APR
18.24% to 27.24% Variable
Annual Fee
$0 for the first year, then $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
- Provides travel perks with American Airlines
- No mileage cap
- No foreign transaction fees
Cons
- With annual fees
- 2x AAdvantage® Miles are limited to select business categories and merchants
- Limited travel benefits
- Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as 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 CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card 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 for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.
Why we like it: The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is best for business owners who travel frequently with American Airlines but don’t want their card activities reported to personal credit bureaus. You can earn 65,000 American Airlines AAdvantage® bonus miles after making at least $4,000 purchases within the first four months of card membership. The annual fee of $99 is waived for the first year.
Additionally, you can earn 2x miles for every dollar spent on eligible American Airlines purchases and expenses at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. You’ll also earn 1x mile for every dollar spent on all other purchases. Aside from these rewards, you can also enjoy travel perks, such as a free checked bag, in-flight savings, priority boarding, and access to airport lounges. This card is also one of our top-recommended business credit cards for miles.
Business Credit Card Issuers That Don’t Report Personal Credit
Business credit card issuers that don’t report to personal credit bureaus are U.S. Bank, Citi, PNC, and Wells Fargo. 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 |
Bank of America | Negative information only | Yes |
Capital One | Depends on card* | Yes |
Chase | Negative information only | Yes |
Citi | None | Yes |
PNC | None | Yes |
U.S. Bank | None | Yes |
Wells Fargo | None | Yes |
*For business owners who opened a Capital One® Spark® Cash Plus for Business account on and 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.
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. |
How We Evaluated the Best Business Credit Cards That Don’t Report to Personal Credit
When choosing the best business credit cards that don’t report to personal credit bureaus, we looked at the strongest features, including fees, regular APR, introductory bonuses, introductory rates, ongoing rewards, and other benefits.
Bottom Line
When you’re searching for a business credit card that doesn’t report to personal credit bureaus, be sure that the rates and reward structure are a good fit for your small business and 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. If you’d like to see a wider selection of cards, check out our best small business credit cards.
