Credit Card Marketplace

On Chase's Secure Website

Rating 4 4

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

Intro APR ^?0% APR for 12 months on purchases	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases	13.24% - 19.24% Variable	$0	Good - Excellent

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

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

Pros

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

Cons

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

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

The Blue Business® Plus Credit Card from American Express

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

Rating 4.5 4.5

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

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

Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

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

Cons

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

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

American Express® Business Gold Card

on American Express® Business Gold Card's secure website.

Rating 4 4

Best For: Maximizing rewards in the two categories where you spend the most

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	14.24% - 22.24% Variable	$295	Good, Excellent

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
*Terms Apply

Pros

Earn 4x points in two categories every month
Pay eligible charges over time with interest, or pay your balance in full monthly

Cons

You’ll pay a high annual fee of $295
No interest-free financing opportunities

Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

The Business Platinum Card® from American Express

on The Business Platinum Card® from American Express's secure website.

Rating 5 5

Best For: Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	$595	Good, Excellent

Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
Terms Apply

Pros

Free access to over 1,200 airport lounges worldwide
Global Entry or TSA Pre✓® membership fee reimbursements

Cons

Balance is due in full monthly
Steep $595 annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than one dozen U.S. airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,000 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4½ years.
Travel credit: A $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
Rental status: Elite status at a number of car rental agencies.
Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
Dell statement credit: Up to $200 in statement credits annually for Dell purchases.

Delta SkyMiles® Platinum Business American Express Card

on Delta SkyMiles® Platinum Business American Express Card's secure website.

Rating 4 4

Best For: Frequent Delta flyers who want to access premium business Delta features

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$250	Good, Excellent

Limited Time Offer: Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
Terms and limitations apply.

Pros

Check your first bag for free on Delta flights
Receive priority boarding
Eligible for a Delta companion certificate

Cons

$250 annual fee
No free access to Delta Sky Club
No interest-free financing period on purchases or balance transfers

Delta benefits: Receive your first checked bag for free and access priority boarding.
Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.

Delta SkyMiles® Gold Business American Express Card

on Delta SkyMiles® Gold Business American Express Card's secure website.

Rating 4 4

Best For: Delta Air Lines flyers and earning rewards outside of Delta purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$0 introductory annual fee for the first year, then $99	Good, Excellent

Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply

Pros

Earn a $100 Delta flight credit
Your first checked bag is free
Never pay foreign transaction fees

Cons

$99 annual fee after the first year
Doesn’t offer free Delta Sky Club access
No introductory financing offer

Free checked bag: Check one bag for free for you and up to eight companions
Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad

The Plum Card® from American Express

on The Plum Card® from American Express's secure website.

Rating 3.5 3.5

Best For: Accessing early pay discounts or 60 days of no interest

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	$0 introductory annual fee your first year, then $250.	Good, Excellent

Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.
Introductory annual fee of $0 for the first year, then $250
Terms & Restrictions Apply.

Pros

1.5% discount when you pay early, or
Take up to 60 days to pay your balance

Cons

You’ll pay a high annual fee after the first year
You must repay your balance every month

Premium roadside assistance: Provides the following services at no additional cost up to four times per year: towing up to 10 miles, winching, jump starts, flat tire change, lockout services, and delivery of two gallons of gas.
Purchase protection: Covers purchases damaged or stolen within 120 days from the purchase date. Coverage is limited to 1,000 per incident and $50,000 per year.
Extended warranty protection: You’ll receive an extended warranty protection plan for purchased items with manufacturer’s warranties of up to five years.

Delta SkyMiles® Reserve Business American Express Card

on Delta SkyMiles® Reserve Business American Express Card's secure website.

Rating 4 4

Best For: Unlocking the ultimate Delta travel experience

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$550	Good, Excellent

Welcome Offer: Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
With Status Boost™, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your new Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
Complimentary Delta Sky Club® Access and complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express Credit Card.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. Eligible purchases after spending $150,000 do not include Delta purchases. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
Pay no foreign transaction fees when you spend overseas.
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
Terms and limitations apply.

Pros

Unlimited Delta Sky Club access
Free access to American Express’s The Centurion Lounge

Cons

$550 annual fee
No opportunity for introductory financing

Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
Free checked baggage: Receive free checked baggage for you and eight guests.
Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.

The Hilton Honors American Express Business Card

on The Hilton Honors American Express Business Card's secure website.

Rating 4 4

Best For: Maximizing rewards on Hilton-related purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$95	Good, Excellent

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
Enjoy complimentary Gold Status with your Hilton Honors Business Card.
Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
Terms apply.

Pros

10 free Priority Pass airport lounge visits per year
Receive complimentary Hilton Gold Status

Cons

Redemption options other than hotel stays are poor
Hilton points are only worth 50% of other hotel loyalty programs

Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.

Lowe’s Business Rewards Card from American Express

On American Express's Secure Website

Rating 3.5 3.5

Best For: Accessing discounts and rewards at Lowe’s

Intro APR	Regular APR	Annual Fee	Credit Needed
0%	15.74% - 24.74% Variable	$0	Good - Excellent

5% off at Lowe's
Lowe's ProServices for discounted delivery and more
Earn 5,000 Lowe's Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership
$0 annual fee
0.0% introductory APR on purchases for 6 months. After that your APR will be a variable rate, currently 17.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening
Use this Card to receive points you can redeem for gift cards and more to use towards business expenses.
3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
2X Points at Lowe's.
1X Points on other purchases.

Note: The information related to the Lowe's Business Rewards Card from American Express has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

5% off at Lowe’s
Access to discounted Lowe’s delivery

Cons

Short 0% APR period on purchases
Introductory rewards are only worth $50

Lowe’s ProServices: Access benefits with Lowe’s ProServices, including discounted delivery, bulk rate pricing, and the business replenishment p[program.
Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.

Business Green Rewards Card from American Express

Rating 4 4

Best For: Employee expense management solutions

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	$0 introductory annual fee for the first year, then $95	Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
Earn one Membership Rewards® point for each dollar you spend on eligible purchases
Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
$0 introductory annual fee for the first year, then $95
Terms & Limitations Apply

Note: The information related to the Business Green Rewards Card from American Express has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

Free employee cards
No interest charges
Expense management solutions designed to give companies more control

Cons

$95 annual fee after the first year
Balance is due in full every month
No introductory 0% APR offer

Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.

Amazon Business American Express Card

on Amazon Business American Express Card's secure website.

Rating 3.5 3.5

Best For: 3% back or 60-day repayment terms

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	14.24% - 22.24% Variable	No annual fee	Good, Excellent

Get a $100 Amazon.com Gift Card upon approval for the Amazon Business American Express Card.
Take advantage of 3% Back or 60 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$100 Amazon gift card upon approval
3% rewards or 60 days of no interest at Amazon-owned businesses

Cons

Short introductory 0% APR period
Rewards for non-Amazon-owned businesses are average

Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year

Amazon Business Prime American Express Card

on Amazon Business Prime American Express Card's secure website.

Rating 4 4

Best For: 5% back or 90-day repayment terms

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	14.24% - 22.24% Variable	No annual fee	Good, Excellent

Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter.
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

$125 Amazon gift card upon approval
5% rewards or 90 days of no interest at Amazon-owned businesses

Cons

Mediocre rewards outside of Amazon-owned businesses
0% APR offer is short compared to other business credit cards

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

Capital One® Spark® Cash for Business

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

Rating 4 4

Best For: Earning unlimited 2% cash back

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	20.99% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

Introductory reward worth $500 after you spend $4,500 within the first three months
2% cash back on every purchase
Issue employee cards for free

Pros

No limit to the amount of rewards you can earn
Lucrative welcome offer

Cons

Lacks a 0% APR offer
Annual fee is only waived for 12 months

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

Capital One® Spark® Cash Select for Business

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

Rating 3.5 3.5

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

Intro APR ^?0% for nine months on purchases	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.99% - 23.99% (Variable)	$0	Excellent, Good

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

Pros

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

Cons

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

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

Capital One® Spark® Miles for Business

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

Rating 4 4

Best For: Unlimited 2x miles with every swipe

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	20.99% (Variable)	$0 intro for first year; $95 after that	Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
5x miles on hotel and rental car bookings through the issuer
Issue employee cards for free

Pros

No foreign transaction fees
TSA Pre✓® or Global Entry application fee credit

Cons

You’ll pay an annual fee after the first year
Doesn’t offer interest-free financing

Airport security screening reimbursement: Either a $100 statement credit for Global Entry or an $85 statement credit for TSA Pre✓® once every four years.
Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

Capital One® Spark® Miles Select for Business

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

Rating 3.5 3.5

Best For: Travel rewards and annual spending less than $19,000

Intro APR ^?0% for nine months on purchases	Regular APR	Annual Fee	Credit Needed
0% on purchases	13.99% - 23.99% (Variable)	$0	Excellent, Good

Introductory reward worth $200 in travel after you spend $3,000 within the first three months
1.5x miles per $1 spent
5x miles on hotel and rental car bookings through the issuer
Issue employee cards for free

Pros

No foreign transaction fees
Interest-free financing on purchases

Cons

No 0% APR balance transfer offer
Limited list of airline partners

Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12 month period.
Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
Travel medical emergency assitance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.

Capital One® Spark® Classic for Business

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

Rating 4.5 4.5

Best For: Fair credit business owners (580 to 669)

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	26.99% (Variable)	$0	Average, Fair, Limited

1% cash back every time you swipe
Build your business credit through responsible usage
Issue employee cards for free

Pros

Opportunity to build business credit
Earn fixed-rate rewards even with fair credit scores
Rewards never expire

Cons

High APR
No sign-up bonus
Reports to personal credit bureaus

Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Capital One® Secured Mastercard®

On Capital One's Secure Website

Best For: Rebuilding your personal credit

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	26.99% Variable	None	N/A

No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It's a credit card accepted at millions of locations worldwide

Pros

Receive an initial credit line of $200
Access higher credit limits after making your first five monthly payments on time
Pick your own monthly due date and payment method

Cons

High ongoing APR
Minimum security deposit of $49, $99 or $200
No rewards program

Travel accident insurance: Get travel insurance for a covered loss at no extra charge when you use your credit card to purchase your travel fare.
Extended warranty protection: You’ll receive additional warranty protection at no charge on eligible purchases.
Car rental insurance: When you rent a car using your card, you can be covered for damage due to collision or theft.

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

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

Rating 3 3

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

Intro APR ^?0% APR for nine billing cycles on purchases	Regular APR	Annual Fee	Credit Needed
0% 9 billing cycles	12.24% - 22.24% Variable APR on purchases	$0.00	Excellent

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

Pros

Statement credit introductory bonus offer
Low ongoing APR

Cons

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

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

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

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

Rating 4 4

Best For: Earning top rewards on travel purchases booked through Bank of America

Intro APR ^?0% APR for nine billing cycles on purchases	Regular APR	Annual Fee	Credit Needed
0% 9 billing cycles	12.24% - 22.24% Variable APR on purchases	$0.00	Excellent

Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

Pros

3x points on travel
0% APR on purchases
No blackout dates on travel

Cons

Low ongoing rewards on non-travel
Low introductory bonus
No 0% APR on balance transfers

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

Alaska Airlines Visa® Business credit card

on Alaska Airlines Visa® Business credit card's secure website.

Rating 3.5 3.5

Best For: Travel rewards on Alaska Airlines travel

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.49% - 25.49% Variable APR on purchases	$50 for the company and $25 per card	Excellent

Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from just $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
Get Alaska's Famous Companion Fare™ from $121 ($99 plus taxes and fees from $22) every year! That's right, EACH YEAR on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com with no blackout dates.
Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
NEW! 50% off Alaska Lounge day passes and 20% back on inflight food, beverage and Wi-Fi purchases when you pay with your card.
Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Alaska Airline Hotels.
Earn unlimited miles and travel with no blackout dates and no international transaction fees.
Enjoy many money saving benefits, 800+ destinations, more than a dozen global airline partners and a low annual fee of $50 for the company and $25 per card.

Pros

Introductory bonus miles offer
Discounted companion fare
Free checked luggage

Cons

Miles aren’t transferrable
Some blackout dates
Employee cards aren’t free

Bank of America does not disclose detailed information on their credit card features. Please refer to your guide to benefits for complete benefit details.

Free checked bag: Get a free checked bag for you and up to six guests on the same reservation.
Purchase security: Bank of America may replace, repair, or reimburse you for purchased items that have been stolen or damaged.
Extended protection: Receive an additional warranty coverage period in addition to the manufacturer’s warranty.
Auto rental collision damage waiver: Receive coverage for car rental vehicles when you use the card for the entire purchase.
Travel and Emergency Assistance Services: Includes up to $1,000,000 in travel accident insurance and emergency ticket replacement.

BBVA Compass Visa® Business Rewards Credit Card

On BBVA's Secure Website

Best For: Business owners who live in the Sun Belt region

Intro APR ^?0% APR for 9 months on purchases	Regular APR	Annual Fee	Credit Needed
0% on purchases	9.24% to 23.24% Variable	$0	Average - Excellent

No annual fee
Earn 1 point for every $1 in purchases
Earn 1 additional point for every $1 you spend on qualifying gas, office supply, telephone, and insurance purchases with Bonus CompassPoints
Build Your Own Rewards® with CompassPoints® Online account services
Employee cards at no additional cost

Pros

Offers cheap introductory financing
Pays excellent rewards you typically don’t see on cards for fair credit

Cons

Eligibility is limited
Reward redemption options are limited

Free employee cards: Add employee cards to your account at no additional cost. You can set individual spending limits for each employee.
Visa® SavingsEdge: Enroll with Visa SavingsEdge and save up to 15% at participating merchants.
Car rental insurance: If you rent a car with your card, you’ll be covered with collision, damage, and loss insurance.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

on Citi's Secure Website

Rating 4 4

Best For: Frequent American Airlines flyers who want premium airline perks

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.99% - 25.99% Variable	$0 for the first year, then $99	Good - Excellent

2 AAdvantage® miles on telecommunications, car rental, gas station purchases
2 AAdvantage® mile on eligible American Airlines purchases
1 AAdvantage® mile on other purchases
First checked bag free
Terms Apply

Pros

Excellent introductory bonus offer
Free first checked bag
Priority boarding on American Airlines flights

Cons

No airport lounge access
Blackout dates for select booking
Some rewards redemption fees may apply

Free checked bag: Check one bag for free for you and up to four companions traveling with you to domestic itineraries if they are listed on the same reservation
Preferred boarding: You and up to four traveling companions will be able to board once priority boarding is complete but before the rest of economy boards
American Airlines companion certificate: Earn one $99 domestic economy fare—plus $21.60 to $43.40 in government taxes and fees—after you make at least $30,000 in eligible purchases each 12-month period before your card anniversary date
Savings on inflight purchases: Receive a 25% discount on inflight food, beverage, and Wi-Fi purchases you make with your CitiBusiness credit card

First National Bank of Omaha Business Edition Secured Visa Card

On First National Bank of Omaha's Secure Website

Best For: Secured credit lines of as much as $100,000

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	20.24% Variable	$39	N/A

Request your own credit limit2 between $2,000 and $100,000 (multiples of $50), when you apply, subject to credit approval.
Security deposit is 110%2 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
$39 annual fee
Earn interest on your security deposit.
Variable 19.99% APR on purchases and balance transfers based on the Prime Rate.
Get automatic rebates, with Visa SavingsEdge® on purchases you make at qualified merchants.
U.S. citizenship is not required, but you must have a valid SSN or ITIN and a valid U.S. address.
Online access to view transactions, pay your bill, view up to seven years of prior statements and more!

Pros

Credit limits up to $100,000
You’ll earn 0.05% APY on your security deposit account balance

Cons

Offers no introductory or ongoing rewards
Only available in Colorado, Iowa, Illinois, Kansas, Nebraska, South Dakota, and Texas

Automatic discounts: Good on purchases you make at qualified merchants. Rebates will be applied as statement credits.
Cellphone protection: Protection covers the primary line and up to the first four secondary lines listed on your statement against damage and theft. Coverage is good up to $1,000 per 12-month period, or $600 per claim subject to a $50 deductible.

Discover it® Secured

On Discover's Secure Website

Best For: Business owners who need help rebuilding personal credit

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	24.49% Variable	$0	N/A

No Annual Fee, earn cash back, and build your credit with responsible use.
It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
We automatically match all the cash back you've earned at the end of your first year.
Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.

Pros

Earns ongoing cash back rewards
Deposit is refundable
Free FICO credit scores

Cons

Requires security deposit of at least $200
No 0% APR period
High ongoing APR

FICO® Credit Score: Receive free FICO® scores and monitoring.
Discover® Identity Alerts: Get free Experian credit report and dark web monitoring.
Freeze it®: Protect your account by stopping account activity in the event of suspicious card activity or if your card is lost or stolen.

Brex Card for Startups

On Brex's Secure Website

Best For: No personal guarantee and startups with investment funding

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	N/A	$0	N/A

The First Corporate Card for Startups - perfect for tech companies and other early-stage corporations based in the US with professional funding
No personal liability or security deposit needed - no credit score impact
The best rewards for startups: earn points on spend with industry-leading multipliers: 7x on rideshare, 4x on travel, 3x on restaurants and 2x on software subscriptions
Minimum of $100,000 of funds in corporate bank account and US EIN required
Easy, online application - get a virtual card in 5 minutes or less and a physical card in the mail shortly thereafter
Limits 10x - 20x higher than traditional business cards
Embedded Expense Management Software - never save receipts again and integrate with all major accounting software
No Foreign Transaction Fees
Build Business Credit - Brex partners with Experian to report your on-time payments

Pros

No personal guarantee or security deposit
Stellar rewards and available credit limits

Cons

Must have $100,000 in a corporate bank account
Balance is required to be paid in full

Capture receipts: Access easy expense tracking through the Brex app. You can upload your receipts and Brex will automatically match them to your statement. You can also submit receipts via text and email.
Expense management: Brex integrates with QuickBooks®, NetSuite®, Expensify®, and Xero™ for accounting made easy.
Add your team: Instantly add new users, issue cards, and set and track specific spending limits for everyone on your team.

AAdvantage® Aviator® Business Mastercard®

On Barclays's Secure Website

Rating 4 4

Best For: Business owners that frequently fly American Airlines

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% or 26.99% Variable	$95	Good - Excellent

Earn up to 60,000 AAdvantage® bonus miles Earn 50,000 miles after spending $1,000 in the first 90 days. Earn 10,000 miles when a purchase is made on an employee card.
Earn 2X AAdvantage® miles for every one dollar spent on eligible American Airlines purchases, eligible office supply, telecom and car rental merchants.
Earn 1X AAdvantage® miles for every one dollar spent on all other purchases.
5% AAdvantage® mileage bonus earned every year after your account anniversary date based on the total number of miles earned using your card.

Pros

A large introductory bonus offer
Discounted companion certificate
First free checked bag

Cons

No 0% APR offer
No lounge access
No TSA Pre✓®

First free checked Bag: Get one free checked bag for you and up to four companions.
Companion Certificate: Receive one discounted companion ticket, each card anniversary after meeting spending requirements.
Preferred boarding: You and o to four companions can board before economy boarding.
Inflight discounts: You’ll receive a 25% discount on inflight food and beverage purchases.
AAdvantage Elite Status Benefits: Earn Elite Qualifying Dollars (EQDs) that can be applied toward American Airlines tiered elite statuses and benefits including upgrades and free checked bags.

Amazon Prime Rewards Visa Signature Card

On Amazon's Secure Website

Best For: Earning rewards on Amazon purchases through Amazon Prime membership

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 23.74% Variable	None	Good - Excellent

Get a $70 Amazon.com Gift Card instantly upon credit card approval
5% Back at Amazon.com and Whole Foods Market
2% Back at restaurants, gas stations, and drugstores
1% back on all purchases

Pros

Excellent ongoing rewards on Amazon and Whole Foods Market purchases
Instant rewards redemption on Amazon.com
Free Amazon gift card upon approval

Cons

Requires an Amazon Prime membership starting at $119
No 0% APR period
Can only earn top-tier rewards under one Amazon Prime membership

Extended warranty: Extends the time period for the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Lost luggage: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger
Baggage delay insurance: You may be reimbursed up to $100 a day for up to three days for baggage delays of more than six hours
Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $500 per occurrence and $50,000 per account each year

Amazon Rewards Visa Signature Card

On Amazon's Secure Website

Best For: Earning rewards on Amazon purchases with a personal card

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 23.74% Variable	None	Good - Excellent

3% Back at Amazon.com and Whole Foods Market
2% Back at U.S. restaurants, gas stations, and drugstores
1% Back on all other purchases

Pros

Free Amazon gift card upon approval
Easy rewards redemption through Amazon.com
No limit on rewards

Cons

Low introductory rewards offer
No 0% APR period
Cash redemption can only be redeemed in increments

Extended warranty: Extends the time period for the US manufacturer’s warranty by an additional year, on eligible warranties of three years or less
Lost luggage: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger
Baggage delay insurance: You may be reimbursed up to $100 a day for up to three days for baggage delays of more than six hours
Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $500 per occurrence and $50,000 per account each year

American Express Blue Business Cash™ Card

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

Rating 4 4

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

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

Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

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

Cons

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

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

Asiana Visa® Business Card

On Bank of America's Secure Website

Best For: Earning points for Asiana Airlines travel

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.99% - 23.99% Variable	$80	Good - Excellent

Get 10,000 Bonus Asiana Club Miles after your first purchase.
2 miles for every $1 spent on Asiana Airlines ticket purchases.
1 mile for every $1 spent on all other purchases.
Two annual $100 statement rebates toward qualifying Asiana Airlines ticket purchases when using the Asiana Airlines Visa® Business Card.

Pros

Earn 10,000 bonus miles after first purchase
Up to 2 miles earned per dollar spent

Cons

Has an annual fee
Foreign transaction fees

Bank of America does not disclose detailed information on their credit card features. Please refer to your guide to benefits for complete benefit details.

Fico score program: Bank of America will provide free FICO score updates each month

Bank of America® Platinum Plus® Mastercard® Business card

On Bank of America's Secure Website

Rating 3.5 3.5

Best For: Low-interest financing on business purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
0% 7 billing cycles	10.24% - 21.24% Variable APR on purchases	$0.00	Excellent

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.
0% Introductory APR on purchases for your first 7 billing cycles.
Employee cards at no additional cost to you and with credit limits you set.

Pros

One of the lowest APRs available on a business credit card
0% APR period
No annual fee

Cons

No cash back or points rewards
0% APR excludes balance transfers
No-interest period is shorter than other cards

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

BBVA Compass Secured Visa® Business Credit Card

On BBVA's Secure Website

Best For: Business that operate out of Southern or Southwestern states

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	18.49% Variable	$40 (Waived First Year)	N/A

Low $40 annual fee waived the first year
Available credit is 90% of your savings account balance
Earn 1 point for every $1 in purchases, plus get 3x points at office supply stores and 2x points at gas stations and restaurants
Online account services
Employee cards at no additional cost

Pros

No personal credit check required
Annual fee is waived for the first 12 months

Cons

Only available in Alabama, Florida, Texas, Arizona, Colorado, California, and New Mexico
Your available credit will be 90% of your security deposit balance

Purchase protection: BBVA Compass will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Travel accident insurance: You’ll receive coverage up to $500,000 for travel accidents when transportation is purchased with your business credit card.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your BBVA Compass Secured Visa® Business Card Rewards card.

Bento For Business Visa® Debit Card

on Bento For Business Visa® Debit Card's secure website.

Best For: Managing employee expenses without a credit check to qualify

Number Of Cards	Monthly Cost	Daily Load Limit	Daily Spend Limit
Unlimited	$0 for the first 2 cards. $29-149 monthly for more	None	$25,000

Instant Decision
No Credit Check Required
One-click card controls & expense reports

Pros

Get the first two cards for free
Easily manage employee expenses
Additional card features and purchase protections

Cons

Large fees for more than two cards
Deposited funds are required
Won’t help build business or personal credit

Auto rental collision damage waiver: Use this card to pay for your entire auto rental transaction and get collision coverage for a damaged or stolen rental vehicle, up to the value of the vehicle.
Purchase protection: Purchases are covered up to 90 days for damage and theft, up to $10,000 per claim, $50,000 per year.

Charity Charge Mastercard®

On Charity Carge's Secure Website

Best For: Earning fixed-rate rewards redeemable for charitable donations

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	14.90% Variable	$0	Good - Excellent

No annual fee to use the Charity Charge Nonprofit Business card
1% Cash Back as an automatic rebate on your monthly statements
Exclusive discounts at over 200+ national vendors through our partnership with Purchasing Point

Pros

Automatically donates rewards for up to three non-profit organizations of your choice
Donations are tax-deductible
Unlimited rewards

Cons

Low ongoing rewards
No 0% APR period
Balance transfer fee

Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Purchasing Point. These include discounts on services at businesses such as FedEx and Enterprise Rent-A-Car. You can find all of the available vendors on the Purchasing Point’s vendor page.
No personal guarantee: This card requires no personal guarantee, which means it doesn’t require a personal credit check. Plus, you aren’t personally liable for the company’s debt obligations.
Extended warranty protection: Doubles the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year.
Purchase assurance: Replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year.

Chase Sapphire Preferred®

On Chase's Secure Website

Best For: Premium travel and dining rewards

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.49% to 24.49% Variable	$95	Good - Excellent

60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
Earn 2X points on travel and dining at restaurants- from airfare and hotels to fine dining and cafés.
Plus, earn 1 point per dollar spent on all other purchases.

Note: The information related to the Chase Sapphire Preferred® Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

Pros

Doesn’t charge foreign transaction fees
Rewards are worth 25% more when you redeem them for travel

Cons

Lacks luxury travel perks like airport lounge access
Merchandise reward redemption value is low

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.
Purchase protection: Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Chase Sapphire Reserve®

On Chase's Secure Website

Best For: Receiving exceptional travel rewards and benefits

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	18.49% to 25.49% Variable	$550	Good - Excellent

50,000 Bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year
3x Points on Travel and Dining

Note: The information related to Chase Sapphire Reserve® has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

Pros

Annual travel credit
Rewards are worth 50% more when redeemed for travel
Complimentary airport lounge access

Cons

High annual fee that’s never waived
Lower reward redemption value for merchandise
Requires excellent personal credit

Airport lounge access: Enjoy access to more than 1,000 priority pass lounges worldwide for free prior to airline travel.
Annual travel credit: You’ll receive a $300 annual travel credit that can be applied liberally toward your travel purchases.
Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Trip delay insurance: If your travel is delayed more than 12 hours or you require an overnight stay as a result of a delay, you’re covered for unreimbursed expenses, such as meals and lodging, up to $500.
Global Entry or TSA Pre✓® fee credit: Receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your card.
Trip cancellation and trip interruption insurance: Covers up to $10,000 per trip for prepaid, nonrefundable travel expenses if your trip is cut short or interrupted by sickness or bad weather.

Citi Simplicity® Card

On Citi's Secure Website

Best For: Startups who need a lengthy 0% APR period fund business expenses

Intro APR ^?0% for 12 months on purchases and 21 months for balance transfers	Regular APR	Annual Fee	Credit Needed
0% for 12 months	14.74% - 24.74% Variable	$0	Good - Excellent

0% Intro APR on balance transfers for 21 months from date of first transfer.
0% Intro APR on purchases for 12 months from date of account opening.
No Annual Fee

Pros

One of the longest 0% APR periods available
No annual fee

Cons

No rewards
Doesn’t build business credit

Purchase protection: Citi will repair or reimburse you for items that were damaged or stolen within 90 days of purchase up to $10,000 per incident, $50,000 per year.
Extended warranty: Get additional an 24 months on top of the manufacturer’s warranty, up to $10,000 per claim.

Citi® / AAdvantage® Executive World Elite™ Mastercard®

On Citi's Secure Website

Best For: American Airlines frequent flyers who want premium airport lounge access

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.99% to 24.99% Variable	$450	Good - Excellent

Earn 50,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 3 months of account opening.
Earn 10,000 Elite Qualifying Miles after you spend $40,000 in purchases within the year
Admirals ClubMembership, a value of up to $650, includes access for authorized users
Earn 2 miles for every $1 spent on eligible American Airlines purchases

Pros

A large introductory bonus offer
Rewards redemption for American Airlines and partner airlines travel

Cons

Hefty annual fee
Blackout dates

Admirals Club® membership: Get full membership access to Admirals Club® lounges.
Global Entry or TSA Pre✓® credit: Receive one statement credit for Global Entry or the TSA Pre ✓® application fee every five years, up to $100.
Free first checked bag: Receive one free checked bag when traveling on American Airlines or affiliate airlines.
Priority airport screening: You and up to eight companions will get priority airport screening.
Priority Boarding: Get priority boarding on American Airlines flights
Inflight discounts: Get 25% off of inflight food and beverage purchases.
Concierge services: Receive complimentary concierge services.

Citi® Double Cash Card

Citi Double Cash best personal credit cards

On Citi's Secure Website

Best For: Extensive 0% APR period on balance transfers

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.49% to 25.49% Variable	None	Good - Excellent

Get 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Plus there are no categories to track, no caps on cash back and no annual fee.

Pros

One of the longest 0% APR on balance transfers periods available
No spending categories to track

Cons

Earns no rewards
No 0% APR on purchases

Free FICO score: Get monthly updates on your credit score as well as notifications when your score changes.
Waived late fee: Your first late payment is free; up to $39 after that.

Costco Anywhere Visa® Business Card by Citi

On Citi's Secure Website

Rating 3.5 3.5

Best For: Existing or new Costco members

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.24% Variable	0	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

Top gas rewards at Costco stations
No annual fee

Cons

Rewards must be redeemed at a Costco location
No introductory rewards

Car rental insurance: Offers primary coverage, which means you won’t need to use your personal auto insurance or accept insurance offered by the rental agency. Coverage is limited to $50,000.
Purchase protection: The issuer may repair or reimburse for items purchased with your business Costco card ― or your reward certificate ― that are damaged or stolen within 120 days of purchase or 90 days for New York residents.

Discover it® Business Card

On Discover's Secure Website

Rating 3 3

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

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

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

Pros

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

Cons

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

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

Discover it® Cash Back

On Discover's Secure Website

Best For: Double cash back on the first year’s purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
0%	13.49% - 24.49% Variable	$0	Good - Excellent

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases — automatically.
We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.

Pros

Excellent rewards rate on rotating bonus categories
Double the highest rate for the first 12 months
0% APR period that’s longer than most cards

Cons

Cardholders must enroll each quarter
Bonus rewards are capped at $1,500 each quarter
No purchase protection or extended warranty protection

Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website.
Late fee waiver: You won’t pay a late fee the first time your payment is late. Late fees are up to $39 thereafter.

GM BuyPower Business Card

On BuyPower's Secure Website

Best For: Business owners who spend regularly on GMC vehicles and related parts

Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 12 months	18.74% Variable	$0	Good - Excellent

5% Earnings on purchases of GM parts, accessories and service at authorized GM Dealers.
3% Earnings on purchases at gas stations, restaurants and office supply stores.
1% Earnings on all other purchases.
No Annual Fee

Pros

Excellent cash back rewards on GM parts, accessories, and service expenses
Lengthy 0% APR period
Rewards can be combined with other GM offers

Cons

Rewards can only be redeemed for GM purchases
Eligible vehicles are limited
No introductory rewards

Extended Warranty: Mastercard doubles the manufacturer’s warranty up to one full year, excluding vehicle purchases.
Purchase Assurance: Items that were purchased using your card within 90 days are covered in the event of damage or theft.
MasterRental™ Insurance: Get covered for auto rental damage or theft when you use your card to pay for the entire transaction.
Travel Accident Insurance: You and your family covered in the event for accidental death or dismemberment when you use your card to purchase the carrier tickets.
Mastercard® Travel Services: A selection of benefits that include upgrades, VIP status, and exclusive travel offers.
Mastercard® Global Service™: Receive 24-hour travel, medical, emergency and legal assistance.
Mastercard® Concierge Service: Receive complimentary 24-hour concierge services.
Mastercard Easy Savings: Receive exclusive discounts and rebates on qualified purchases at participating merchants.

Hawaiian Airlines® Business Mastercard®

On Barclay's Secure Website

Best For: Hawaiian Airlines loyalists

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% to 26.99% Variable	$99	Good - Excellent

Earn 50,000 bonus miles after spending $1,000 on purchases within the first 90 days, and earn an additional 10,000 miles after a purchase is made on an employee card in the first 90 days
Earn a one-time 50% discount on one companion pass
Earn 20,000 bonus miles with $50,000-$99,999 in annual purchases, OR 40,000 bonus miles with $100,000 or more in annual purchases
Earn 3x miles on Hawaiian Airlines purchases

Pros

Potential 20,000-mile bonus each anniversary
Receive a one-time discounted companion fare for one guest

Cons

Only services flights to Hawaii
Doesn’t waive the annual fee for the first year

Companion ticket: Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines
Share Miles: Allows you to send and receive miles from family and friends through HawaiianAirlines.com, without a fee
Complimentary employee cards: Employee cards help you earn rewards faster and control business spending

Ink Business Preferred® Credit Card

on Ink Business Preferred® Credit Card's secure website.

Rating 4.5 4.5

Best For: Maximizing travel rewards at a lower annual fee

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.99% to 20.99% Variable	$95	Good to Excellent

New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
No foreign transaction fees
Employee cards at no additional cost
$95 Annual Fee

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

Pros

Opportunity to boost the value of reward points
Offers cellphone protection and trip cancellation insurance

Cons

Does not offer an interest-free financing period
Charges an annual fee

Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

JetBlue Business Card

On Barclay's Secure Website

Rating 4 4

Best For: JetBlue frequent flyers who want excellent rewards

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.99% or 26.99% Variable	$99	Good - Excellent

Earn up to 50,000 bonus points Earn 40,000 points after spending $1,000 in the first 90 days and earn 10,000 points when a purchase is made on an employee card in the first 90 days.
6X points on JetBlue purchases plus 2X points at restaurants and office supply stores and 1X points on all other purchases.
Free first checked bag for you and up to 3 companions on the same reservation when you use your card to book JetBlue-operated flights
Earn 5,000 bonus points every year after your account anniversary.

Pros

Earns excellent ongoing rewards JetBlue purchases
First free checked bags
A large introductory bonus offer

Cons

Blackout dates
No 0% APR period
Has an annual fee

Barclays doesn’t provide specific coverage information on their business credit cards. Review your guide to benefits for detailed benefit information.

Free first checked bag: Receive one free checked bag for you and up to three companions.
Inflight discounts: You’ll get 50% off inflight food and beverage purchases.
Annual statement credit: Get $100 statement each year you purchase a JetBlue Vacations package.
Vehicle rental insurance: Receive collision and damage waiver insurance for eligible car rentals, up to 30 days.
Purchase assurance: You’ll receive coverage for items that are damaged or stolen within 90 days of purchase.
Extended warranty protection: Get an additional warranty protection period with the manufacturer’s warranty.
Travel assistance: Have access to free travel and emergency assistance.

M&T Business Rewards Credit Card

On M&T Bank's Secure Website

Rating 3.5 3.5

Best For: Fixed-rate cash back rewards on all purchases

Intro APR ^?0% APR for 12 billing cycles on balance transfers and purchases	Regular APR	Annual Fee	Credit Needed
0%	12.24% - 19.24% Variable	$0	Good - Excellent

Unlimited 1.5% cash back on every purchase
Earn 10,000 bonus points after making $500 in purchases during first 90 days
0% introductory APR on balance transfers and purchases for 12 billing cycles (a balance transfer fee will apply)
Variable APR of 14.49%–21.49% thereafter
No annual fee
Add employee cards at no additional cost, plus ability to manage spend limits for users
Global acceptance with chip technology
M&T Assurance® for fraud prevention, detection and resolution
Multiple convenient ways to make payments, transfer funds, or review account detail (1. Online with M&T Online Banking for Business or via the M&T Mobile App, 2. At an M&T Bank ATM, 3. In person at any local M&T branch)
Pay for purchases conveniently with Apple Pay®, Google Pay™ and Samsung Pay at millions of stores around the world by adding your card to a supported iPhone®, Android® or an eligible Samsung device
Save with no foreign transaction fee

Pros

A lengthy 0% APR on purchases and balance transfers
Introductory cash bonus offer
No annual fee

Cons

Ongoing rewards are below average for a fixed-rate rewards card
Small Introductory bonus
Availability limited to eight states: Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, and West Virginia

Extended warranty protection: Visa will double the original manufacturer’s warranty up to an additional year on warranties of three years or less up to a maximum of $10,000 per claim.
Purchase security: Visa may repair, replace, or offer reimbursement for items purchased with your M&T Business Rewards Credit Card that are damaged or stolen within 90 days of purchase. Purchase security is limited to $10,000 per claim.

Marriott Bonvoy Business™ American Express® Card

on Marriott Bonvoy Business™ American Express® Card's secure website.

Rating 4.5 4.5

Best For: Owners who choose to stay at Marriott Bonvoy hotels

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.74% - 24.74% Variable	$125	Good, Excellent

Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
6x points at participating Marriott Bonvoy hotels.
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
Terms apply.

Pros

You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
Earn 6x points per $1 spent at participating Marriott Bonvoy hotels

Cons

You’ll pay a $125 annual fee
Points are worth less when redeemed for less expensive hotels

Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers’ warranties of five years or less.
Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.

OpenSky® Secured Visa® Credit Card

on OpenSky® Secured Visa® Credit Card's secure website.

Best For: Business owners with a credit score below 580

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	18.49% Variable	$35	No Credit Check

We don't pull your credit when you apply — so there’s no impact on your credit score.
Your credit limit is defined by your refundable deposit, as low as $200 and up to $3000. You’re the one who decides what’s best for you.
Use your card to make purchases like gas or groceries, or for recurring bills like your phone, without changing your total monthly budget.
Equifax®, Experian® and TransUnion® get reports every month — that's important to help you quickly improve your credit score.
You can set up email alerts to act as reminders, like when your payment is due or when a credit/return has posted.
It has one of the lowest annual fees you'll find.
This isn't some sort of a "starter card." The OpenSky® Secured Visa® delivers all the benefits of a Visa credit card.

Pros

Helps rebuild personal credit
Lower than average APR for a secured card

Cons

Requires a deposit of $200 or more
Comes with an annual fee

Auto rental collision waiver: Receive protection for a damaged or stolen rental vehicle, up to the value of the vehicle.

PNC Cash Rewards® Visa Signature® Business Credit Card

On PNC's Secure Website

Best For: PNC Bank account holders who want to earn cash back rewards

Intro APR	Regular APR	Annual Fee	Credit Needed
0% for 9 Billing Cycles	12.74% to 21.74% Variable	$0	Good - Excellent

Earn $200 cash bonus for spending $3,000 in the first three billing cycles
Earn 1.5% cash back on all purchases
No annual fee

Pros

Interest-free financing period
Comes with an Introductory bonus offer
Checking account fee waiver for PNC Bank account holders

Cons

Low ongoing rewards
Lower-than-average introductory bonus offer
Not available nationwide

Extended warranty protection: Get an additional one year or warranty protection on top of the manufacturer’s warranty, up to $10,000 per claim, $50,000 per cardholder.
Purchase protection: Visa will reimburse you for up to the value of items that were purchased up to 90 days ago.
Lost luggage reimbursement: Get reimbursed up to $3,000 per trip for luggage that is lost or stolen from a common carrier.
Travel accident insurance: You’ll be covered in the event of accidental death or dismemberment for you and your dependents, up to $500,000.
Auto rental collision damage waiver: Get coverage for auto rental transactions in the event of theft or damage, up to the value of the car.
Travel and emergency services: Receive access to travel and emergency assistance services, including message service, prescription assistance, and emergency cash disbursement.

PNC Travel Rewards Visa® Business Credit Card

On PNC's Secure Website

Best For: Earning fixed-rate rewards for businesses that bank with PNC Bank

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	12.74% to 21.74% Variable	$0	Good - Excellent

Earn 1 mile for every $1 in eligible net purchases*
No limit to the number of miles you can earn
Earn double miles on the first $2,500 in eligible net purchases
Book your own travel, then redeem miles for a statement credit

Pros

Double rewards on the first $2,500
Checking account fee waiver for PNC Bank account holders

Cons

Earns low ongoing rewards
No 0% APR period

Extended warranty protection: Get an additional one year of warranty protection on eligible purchases with manufacturer’s warranties of three years or less.
Purchase protection: PNC will repair, replace or reimburse you for items that were lost or stolen within 90 days of purchase.

QuicksilverOne® from Capital One®

Capital One QuicksilverOne Rewards credit card

On Capital One's Secure Website

Best For: Rebuild personal credit while earning fixed-rate rewards

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	26.99% Variable	$39

Earn unlimited 1.5% cash back on every purchase, every day
Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
No Foreign Transaction Fees You won’t pay a transaction fee when making a purchase outside of the United States.

Pros

No expiration date on rewards
Free credit score monitoring

Cons

Annual fee
Does not help build business credit

Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® QuicksilverOne® Cash Rewards credit card.
Travel accident Insurance: Get travel insurance up to $100,000 for Visa Platinum, or up to $250,000 for Visa Signature, when you make your travel purchase with your Capital One® QuicksilverOne® Cash Rewards card.

Southwest Rapid Rewards® Performance Business

On Chase's Secure Website

Rating 4.5 4.5

Best For: Southwest flyers who want a Global Entry or TSA Pre✓® application fee credit

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.99% - 22.99% Variable	$199	Good to Excellent

Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open.
9,000 bonus points after your Cardmember anniversary.
3 points per $1 spent on Southwest Airlines® purchases.
2 points per $1 spent on social media and search engine advertising, Internet, cable and phone services and 1 point per $1 spent on all other purchases.
4 Upgraded Boardings per year when available
Inflight WiFi Credits
Global Entry or TSA Pre✓® Fee Credit
Employee cards at no additional cost, earn points on employee spending.

Pros

Free Global Entry or TSA Pre✓® membership
Large sign-up bonus that can help qualify for the companion pass
Receive the best rewards for Southwest purchases compared to other Southwest cards

Cons

High annual fee that isn’t waived in the first year
Reward redemption value is poor outside of Southwest flights
Limited options for international travel

Global Entry or TSA PreCheck reimbursement: Receive application fee credits up to $100 for Global Entry or $85 for TSA PreCheck.
Upgraded bookings: Southwest will reimburse you each anniversary year for the purchase of up to four upgraded boardings,
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for three days.

Southwest Rapid Rewards® Premier Business Credit Card

On Chase's Secure Website

Rating 4 4

Best For: Receiving rewards on Southwest purchases

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	15.99% - 22.99% Variable	$99	Good - Excellent

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
6,000 bonus points after your Cardmember anniversary.
2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
1 point per $1 spent on all other purchases.
Earn points on employee spending
Employee cards at no additional cost
No blackout dates when you redeem points, no seat restrictions, bags fly free®, and no change fees
No foreign transaction fees

Pros

Aids in qualifying for elite status with Southwest
Helps owners earn the Southwest Companion Pass

Cons

Rewards program is tailored to Southwest-related purchases
Lacks premium Southwest Airlines perks

Lost luggage reimbursement: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours; up to $100 a day for 3 days.
Purchase protection: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

TD Business Solutions Credit Card

On TD Bank's Secure Website

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR on purchases	12.99% to 22.99% Variable	$0	Good - Excellent

0% introductory APR on purchases for first 6 billing cycles after account opening. After that, 14.99%, 19.99% or 24.99% based on your creditworthiness
Earn 3% Cash Back on phone, internet and cable services
Earn 2% Cash Back on dining and at gas stations
Earn 1% Cash Back on other eligible purchases*
No caps, no limits as long as your account is open and in good standing

Pros

Low ongoing APR
High rewards on telecommunications services

Cons

Small introductory reward
Fewer protections and insurance than other leading cards

Visa Zero Liability: Enjoy protection against unauthorized charges
Instant card replacement: TD Bank can immediately replace your card if it’s lost or stolen

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

On US Bank's Secure Website

Rating 4 4

Best For: 0% APR for 15 Billing Cycles

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

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

Pros

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

Cons

Small introductory bonus offer
Balance transfer fee

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

U.S. Bank Business Leverage® Visa Signature® Card

On US Bank's Secure Website

Rating 3.5 3.5

Best For: Expenses that shift from month to month

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.49% Variable	No annual fee for the first year, $95 thereafter	Excellent

Earn 75,000 points worth $750 cash back. Just spend $7,500 in eligible net purchases on the Account Owner's Card within the first four months of account opening.
Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically.
Earn 1X points per dollar spent on all other eligible net purchases.
No caps or limits on the total points you can earn.
Earn even more rewards when you link you card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases. Learn more at usbrelationshiprewards.com
Free employee cards

Pros

Personalized ongoing rewards
Large sign-up bonus

Cons

Requires excellent credit
No introductory financing

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

U.S. Bank Business Platinum Card

On US Bank's Secure Website

Rating 3.5 3.5

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

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

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

Pros

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

Cons

Comes without rewards

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

U.S. Bank Business Select Rewards Card

On US Bank's Secure Website

Rating 4 4

Best For: Earning points rewards in your choice in category spending

Intro APR	Regular APR	Annual Fee	Credit Needed
0%*	11.99% - 22.99%* Variable	$0*	Excellent

Earn 20,000 bonus points after you spend $1000 in eligible net purchases during the first 90 days after opening your account
Earn 3 points per dollar on eligible net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment
Earn 1 point per dollar on other eligible net purchases
No cap on total points you can earn
No annual fee*
Net purchases are purchases minus credits and returns
Variable APR currently at 11.99% - 22.99%* Variable

Pros

Bonus category rewards on everyday business expenses
Interest-free financing period
Sign-up bonus offer

Cons

Earns top rate in only one spending category
Rewards expire after five years
Points are non-transferrable

Card Auto Rental Collision Damage Waiver: Waive the rental car merchant’s insurance and you’ll be covered in the event the rental vehicle is damaged or stolen, up to the vehicle’s value.
Purchase Protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase.
Extended Warranty Protection: Get double the warranty protection on manufacturer’s warranties of three years or less.
Travel and Emergency Services: Access to 24-hour emergency, medical, travel, and legal assistance.

U.S. Bank FlexPerks® Business Travel Rewards

On US Bank's Secure Website

Rating 3.5 3.5

Best For: Earning travel rewards on office supply, gas, cell phones expenses

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	11.99% to 22.99%* Variable	$0* Intro for first year; $55* thereafter	Good - Excellent

Earn 25,000 enrollment FlexPoints worth $375 on airfaire, hotel stays, car rentals and more. Just spend $2,000 in eligible Net Purchases on your card within the first four months of account opening.
Earn 2X FlexPoints in the category where you spend the most each month-gas stations, office supply stores or airlines, plus on cellular providers.
Earn 1 point for every other eligible net dollar spent.
$25 Airline Allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card
If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.

Pros

$25 Airline Allowance
Annual fee waived for the first year

Cons

Lower-than-average tiered rewards
No 0% APR period

Car rental discounts: Receive discounts from National Car Rental, Enterprise Rent-A-Car, and Alamo Rent A Car when you use your card for the transaction.
Auto Rental Collision Damage Waiver: Receive coverage in the event your rental vehicle is damaged or stolen, up to the cash value of the vehicle.
Purchase protection: U.S. Bank will repair or reimburse you for items that were damaged or stolen within 90 days of purchase, up to $500 per claim and up to $50,000 per account holder.
Extended warranty protection: U.S. Bank will double any manufacturer’s warranty that’s three years or less.
Travel accident Insurance: Receive coverage in the event of travel accidents resulting in bodily harm, including death, up to $500,00.
Travel and Emergency Services: Cardholders have access to 24-hour travel, medical, emergency, and legal assistance.

United Club℠ Business Card

On Chase's Secure Website

Rating 3 3

Best For: United Airlines enthusiasts who regularly use airport lounge access

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.49% - 23.49% Variable	$450	Good - Excellent

Earn 100,000 bonus miles
United ClubSM membership
2 Premier Access® travel services
First and second checked bag free
Earn double miles on tickets purchased from United
Earn 1.5 miles per $1 spent on all other purchases
No foreign transaction fees

Pros

Free United Club membership
Free first and second checked bags

Cons

High annual fee
Low ongoing rewards

United Club Passes: Get free access to United Club locations for you and your travel companions
Free checked bags: Receive two free checked bags for you and companion on the same reservation
Premier Access: You’ll get expedited airport security screening line, priority boarding, and priority baggage handling for you and your companions on the same reservation
Hertz Gold Plus Rewards elite status: Get access to join Hertz Gold Plus Rewards President’s Circle for exclusive perks and discounts.
Trip insurance: Get reimbursed when your trip is canceled, up to $10,000 per person and $20,000 per trip. You’ll also be covered if your trip is delayed up to 12 hours for an eligible reason.
Baggage delay insurance: Your luggage is covered if it’s delayed or misdirected for more than six hours, up to $100 per day.
Lost luggage reimbursement: You’re covered for any lost or damaged luggage during your travel with United Airlines and partner airlines, up to $3,000 per person.
Auto rental collision damage waiver: You’re covered for a damaged or stolen rental vehicle, when you waive the car rental dealer’s insurance and the entire rental purchase is placed on the card
Purchase protection: You’ll receive repair, a replacement, or reimbursement for items that were damaged or stolen with 120 of purchase, up to $10,000 per item and $50,000 per year
Extended warranty protection: You’ll be covered for an additional one year of warranty protection with manufacturer’s warranties three years and under, limited to $10,000 per item and $50,000 per year.

United℠ Explorer Business Card

on United℠ Explorer Business Card's secure website.

Rating 4 4

Best For: Earning miles redeemable toward United Airlines travel

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	16.49% - 23.49% Variable	$95	Good - Excellent

Card Details
Pros & Cons

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 at restaurants, gas stations and office supply stores
Earn 2 miles per $1 on United purchases and 1 mile per $1 on all other purchases
Free checked bag - save up to $120 per roundtrip (terms apply)
Two one-time United Club℠ passes each year - more than a $100 value
Priority boarding for you and companions on the same reservation on United-operated flights
Employee cards at no additional cost

Note: This card is no longer being offered

Pros

Introductory bonus miles offer
2 free passes each year
Priority boarding for you and a companion

Cons

Below average ongoing travel rewards
No introductory APR offer
Comes with an annual fee

Venture® Rewards from Capital One®

Capital One Venture personal credit cards for business use

On Capital One's Secure Website

Best For: Unlimited travel rewards and top-tier travel benefits

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	17.24% to 24.49% Variable	$95, waived first year	Good - Excellent

Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day
Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Pros

Flexible rewards redemption
Large miles-based sign-up bonus
Receive up to $100 credit on Global Entry or TSA Pre✓®

Cons

Charges an annual fee
Redemption value for cash is less than travel
Requires excellent credit

Travel accident insurance: Receive travel accident insurance for a covered loss at no charge when you use your card to pay for your travel fare.
Extended warranty protection: Receive additional warranty protection at no charge on eligible purchases.
Car rental insurance: When you rent a car using your card, you’ll be covered for damage due to collision or theft.

Wells Fargo Business Elite SignatureCard®

On Wells Fargo's Secure Website

Rating 3.5 3.5

Best For: Businesses with over $1 million in annual sales

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	Prime + 3.99% on purchases	$75 annual rewards program fee, waived the first year	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 No foreign transaction fee
Up to 200 employee cards
Bill payment options
Online Business reporting tool
$0 additional card fee

Pros

A large introductory bonus offer
Low ongoing APR
Up to 200 free employee cards

Cons

Low ongoing rewards
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: Convenientiently Review and track business analytics and spending habits.
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 $10,00 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 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.

Wells Fargo Business Platinum Credit Card

On Wells Fargo's Secure Website

Rating 3 3

Best For: Choosing cash-back or points rewards with no annual fee

Intro APR ^?0% APR for nine months on purchases and balance transfers	Regular APR	Annual Fee	Credit Needed
0%	12.74% - 22.74% Variable	$0	Excellent

Get a one-time $500 cash back bonus or 50,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date; $0 annual rewards fee
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

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.

Wells Fargo Business Secured Credit Card

On Wells Fargo's Secure Website

Rating 4.5 4.5

Best For: Business owners with poor credit

Intro APR	Regular APR	Annual Fee	Credit Needed
N/A	Prime + 11.90% on purchases	$25 per card	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