Business Credit Card Marketplace

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The Blue Business® Plus Credit Card from American Express

BEST FOR:

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

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

Intro APR

0% on purchases

Regular APR

17.49% - 25.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

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Intro APR

0% on purchases

Regular APR

17.49% - 25.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*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, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

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American Express® Business Gold Card

BEST FOR:

Maximizing rewards in the two categories where you spend the most

Apply Now

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

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*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.

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Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*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.

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The Business Platinum Card® from American Express

BEST FOR:

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

Apply Now

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

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Premium travel rewards
Free access to more than 1,300 airport lounges worldwide
No foreign transaction fees

Cons

Balance is due in full monthly
High annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
Travel credit: Up to $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 $400 in statement credits annually for Dell purchases.

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& Fees

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$695

Credit Needed

Good, Excellent

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Premium travel rewards
Free access to more than 1,300 airport lounges worldwide
No foreign transaction fees

Cons

Balance is due in full monthly
High annual fee

American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
Travel credit: Up to $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 $400 in statement credits annually for Dell purchases.

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Delta SkyMiles® Platinum Business American Express Card

BEST FOR:

Frequent Delta flyers who want to access premium business Delta features

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

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 annual fee
No interest-free financing period
Balance transfers aren’t allowed

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.

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& Fees

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

No foreign transaction fees
In-flight savings
Business management tools

Cons

$250 annual fee
No interest-free financing period
Balance transfers aren’t allowed

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.

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Delta SkyMiles® Gold Business American Express Card

BEST FOR:

Delta Air Lines flyers and earning rewards outside of Delta purchases

Apply Now

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

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
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 at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

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

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& Fees

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$0 introductory annual fee for the first year, then $99

Credit Needed

Good, Excellent

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
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 at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Pros

Low annual fee
No foreign transaction fees
Earn a $100 Delta flight credit

Cons

Balance transfers aren’t allowed
No free or discounted Delta Sky Club access
No 0% introductory APR

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

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The Plum Card® from American Express

BEST FOR:

Accessing early pay discounts or 60 days of no interest

Apply Now

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

Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

Good, Excellent

Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
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.
Terms & Restrictions Apply.

Pros

No preset spending limit
Doesn‘t charge foreign transaction fees
Offers early pay discount

Cons

Balance is due either monthly or every 60 days
No 0% introductory APR on purchases and balance transfers
Cash advance & balance transfers aren’t allowed

Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.

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Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

Good, Excellent

Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
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.
Terms & Restrictions Apply.

Pros

No preset spending limit
Doesn‘t charge foreign transaction fees
Offers early pay discount

Cons

Balance is due either monthly or every 60 days
No 0% introductory APR on purchases and balance transfers
Cash advance & balance transfers aren’t allowed

Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.

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Delta SkyMiles® Reserve Business American Express Card

BEST FOR:

Unlocking the ultimate Delta travel experience

Apply Now

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

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
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. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Plus enjoy 3X miles per dollar on all eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

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.

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Review

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& Fees

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
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. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Plus enjoy 3X miles per dollar on all eligible Delta purchases.
With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
Terms and limitations apply.

Pros

Premium travel perks
No foreign transaction fees
Lucrative welcome bonus

Cons

High annual fee
No opportunity for introductory financing
Balance transfers aren’t available

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.

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The Hilton Honors American Express Business Card

BEST FOR:

Maximizing rewards on Hilton-related purchases

Apply Now

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

Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business 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 at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Pros

Charges a low annual fee
Doesn’t have foreign transaction fees
Offers a sign-up bonus

Cons

Has poor redemption options outside of hotel stays
Lacks an interest-free financing option

Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.

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Intro APR

N/A

Regular APR

19.99% - 28.99% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business 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 at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Pros

Charges a low annual fee
Doesn’t have foreign transaction fees
Offers a sign-up bonus

Cons

Has poor redemption options outside of hotel stays
Lacks an interest-free financing option

Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.

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Lowe’s Business Rewards Card from American Express

BEST FOR:

Accessing discounts and rewards at Lowe’s

Apply Now

On American Express's Secure Website

Intro APR

Regular APR

18.74% - 27.74% Variable

Annual Fee

Credit Needed

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 six months. After that, your APR will be a variable rate, currently 17.24% to 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 toward 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

No annual fee
5% off at Lowe’s
$100 statement credit signup bonus

Cons

No 0% introductory APR period
Balance transfers aren‘t allowed
Low cash back rewards at Lowe’s after introductory period

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.

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Intro APR

Regular APR

18.74% - 27.74% Variable

Annual Fee

Credit Needed

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 six months. After that, your APR will be a variable rate, currently 17.24% to 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 toward 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

No annual fee
5% off at Lowe’s
$100 statement credit signup bonus

Cons

No 0% introductory APR period
Balance transfers aren‘t allowed
Low cash back rewards at Lowe’s after introductory period

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.

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Business Green Rewards Card from American Express

BEST FOR:

Employee expense management solutions

Learn More

Intro APR

N/A

Regular APR

N/A

Annual Fee

$0 introductory annual fee for the first year, then $95

Credit Needed

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 three 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

Flexible spending limit
Option to pay over time
Bonus rewards

Cons

No cash advances or balance transfers
No zero foreign transaction fee
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.

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Intro APR

N/A

Regular APR

N/A

Annual Fee

$0 introductory annual fee for the first year, then $95

Credit Needed

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 three 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

Flexible spending limit
Option to pay over time
Bonus rewards

Cons

No cash advances or balance transfers
No zero foreign transaction fee
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.

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Amazon Business American Express Card

BEST FOR:

3% back or 60-day repayment terms

Apply Now

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon 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 the broad selection of Amazon 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: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.

Cons

Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.

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

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Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Get a $100 Amazon 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 the broad selection of Amazon 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: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.

Cons

Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.

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

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Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

Apply Now

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

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon 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 the broad selection of Amazon 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

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

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.

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Review

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Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon 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 the broad selection of Amazon 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

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

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.

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Capital One® Spark® Cash Select for Business

Capital One® Spark® Cash for Business

BEST FOR:

Earning unlimited 2% cash back

Apply Now

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

Intro APR

N/A

Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

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.

Intro APR

N/A

Regular APR

20.99% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

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

BEST FOR:

Businesses that spend less than $19,000 annually

Apply Now

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

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

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 US and abroad.
Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

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 US 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

BEST FOR:

Unlimited 2x miles with every swipe

Apply Now

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

Intro APR

N/A

Regular APR

25.24% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® 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 PreCheck® 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 assistance: 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.

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Review

Intro APR

N/A

Regular APR

25.24% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Needed

Excellent, Good

Introductory reward worth $500 in travel after you spend $4,500 within the first three months
2x miles per $1 spent
Issue employee cards for free

Pros

No foreign transaction fees
TSA PreCheck® 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 PreCheck® 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 assistance: 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.

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Capital One® Spark® Miles Select for Business

BEST FOR:

Travel rewards and annual spending less than $19,000

Apply Now

https://www.capitalone.com/small-business/credit-cards/spark-miles-select/

Intro APR

0% on purchases

Regular APR

18.24% to 28.24% (Variable)

Annual Fee

Credit Needed

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 assistance: 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.

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Review

Intro APR

0% on purchases

Regular APR

18.24% to 28.24% (Variable)

Annual Fee

Credit Needed

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 assistance: 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.

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Capital One® Spark® Classic for Business

BEST FOR:

Fair credit business owners (580 to 669)

Apply Now

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

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

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
Only requires fair credit
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

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 1 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.

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Review

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

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
Only requires fair credit
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

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 1 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.

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Capital One® Platinum Secured

BEST FOR:

Rebuilding your personal credit

Learn More

On Capital One's Secure Website

Intro APR

N/A

Regular APR

26.99% Variable

Annual Fee

None

Credit Needed

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 three 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.

Intro APR

N/A

Regular APR

26.99% Variable

Annual Fee

None

Credit Needed

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 three 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 Customized Cash Rewards Mastercard® Credit Card

BEST FOR:

Those wanting up to 3% cash back in a spending category of your choice

Apply Now

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

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 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 purchases and unlimited 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Offers flexible redemption options
Doesn’t charge annual fees
With sign-up bonus

Cons

Premium cash back rewards are capped on a selected spending category
Charges foreign transaction fees
Short introductory APR period

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.

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Review

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 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 purchases and unlimited 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Offers flexible redemption options
Doesn’t charge annual fees
With sign-up bonus

Cons

Premium cash back rewards are capped on a selected spending category
Charges foreign transaction fees
Short introductory APR period

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.

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

BEST FOR:

Earning top rewards on travel purchases booked through Bank of America

Apply Now

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

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. 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. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

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Review

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. 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. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.

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Alaska Airlines Visa® Business credit card

BEST FOR:

Those who fly with Alaska Airlines frequently

Apply Now

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

Intro APR

N/A

Regular APR

20.24% to 28.24% Variable APR on purchases

Annual Fee

$75 for the company and $25 per card

Credit Needed

Excellent

Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $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.
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 more than 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-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Has no penalty APR

Cons

Doesn’t have a 0% introductory APR period on purchases and balance transfers
Charges annual fees
Requires excellent credit

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.

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Review

Intro APR

N/A

Regular APR

20.24% to 28.24% Variable APR on purchases

Annual Fee

$75 for the company and $25 per card

Credit Needed

Excellent

Get 40,000 bonus miles plus Alaska's Famous Companion Fare from $121 ($99 fare plus taxes and fees from $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.
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 more than 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-plus destinations, more than a dozen global airline partners, and a low annual fee of $50 for the company and $25 per card.

Pros

With sign-up bonus
Doesn’t charge foreign transaction fees
Has no penalty APR

Cons

Doesn’t have a 0% introductory APR period on purchases and balance transfers
Charges annual fees
Requires excellent credit

Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Free checked bag benefit: Those with an open account at the time of travel and up to six guests traveling on the same reservation may check one bag free of charge on qualifying reservations.
Rebate on food, beverage, and Wi-Fi onboard purchases: You can receive a 20% rebate, in the form of a statement credit, on food, beverages, and Wi-Fi purchases made on any Alaska-operated flights.

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Exchange Bank Visa® Business Cash Preferred Card

BEST FOR:

Those who have an existing deposit account with Exchange Bank

Apply Now

On Exchange Bank's Secure Website

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

Sign-up bonus
No annual fee
Unlimited rewards

Cons

Short 0% APR period
Rewards do expire

Free employee cards with individual credit limits
Protection against unauthorized transactions through zero fraud liability
Free online reporting to view credit card spending by categories, transaction type, and a defined transactional period

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Review

Intro APR

0% APR for the first six billing cycles on purchases and balance transfers

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

$25 bonus cash back after making your first purchase
Earn 3% cash back on gas, cellphone services, office supplies, and dining expenses; and 1% on all other purchases
$100 annual software credit after 11 consecutive monthly software transactions

Pros

Sign-up bonus
No annual fee
Unlimited rewards

Cons

Short 0% APR period
Rewards do expire

Free employee cards with individual credit limits
Protection against unauthorized transactions through zero fraud liability
Free online reporting to view credit card spending by categories, transaction type, and a defined transactional period

Read Full Review

BBVA Compass Visa® Business Rewards Credit Card

BEST FOR:

Business owners who live in the Sun Belt region

Apply Now

On BBVA's Secure Website

Intro APR

0% on purchases

Regular APR

9.24% to 23.24% Variable

Annual Fee

Credit Needed

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.

Intro APR

0% on purchases

Regular APR

9.24% to 23.24% Variable

Annual Fee

Credit Needed

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® New

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

BEST FOR:

Frequent American Airlines flyers who want premium airline perks

Apply Now

on Citi's Secure Website

Intro APR

N/A

Regular APR

18.24% to 27.24% Variable

Annual Fee

$0 for the first year, then $99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Provides travel perks with American Airlines
No mileage cap
No foreign transaction fees

Cons

With annual fees
2x AAdvantage® Miles are limited to select business categories and merchants
Limited travel benefits

Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc.
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.

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Review

Intro APR

N/A

Regular APR

18.24% to 27.24% Variable

Annual Fee

$0 for the first year, then $99

Credit Needed

Good - Excellent

2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases

Pros

Provides travel perks with American Airlines
No mileage cap
No foreign transaction fees

Cons

With annual fees
2x AAdvantage® Miles are limited to select business categories and merchants
Limited travel benefits

Free checked bag: Eligible CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc.
Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholder are eligible to board at the same time.
25% savings on in-flight food, beverage and Wi-Fi: CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card on American Airlines flights.
American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases for each card membership year and card membership is renewed. It should be noted that if you wish to redeem the certificate, it will cost $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.

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First National Bank of Omaha Business Edition Secured Mastercard® Card

First National Bank of Omaha Business Edition Secured Mastercard® Credit Card

BEST FOR:

Secured credit lines of as much as $100,000

Apply Now

On First National Bank of Omaha's Secure Website

Intro APR

None

Regular APR

23.99% Variable

Annual Fee

$39

Credit Needed

N/A

Request your own credit limit between $2,000 and $100,000―multiples of $50―when you apply, subject to credit approval.
Security deposit is 110% 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 that you make at qualified merchants.
United States citizenship isn’t required but you must have a valid Social Security number or individual taxpayer identification number (TIN) and a valid US address.
Online access to view transactions, pay your bill, view up to seven years of prior statements, and more.

Pros

Accepts a wide range of credit scores
You can set your own credit limit
Offers user-friendly management reports
You’ll earn 0.05% annual percentage yield (APY) on your security deposit account balance

Cons

Requires an annual fee
Charges a foreign transaction fee
Doesn’t offer rewards

Automatic discounts: Good on purchases you make at qualified merchants. Rebates will be applied as statement credits.
Visa Zero Liability: It covers you when fraudulent charges are made with either your card or your account information.
Free management reports: Be able to track your expenses and spending, identify tax deductions, prepare tax filings, and predict costs with ease

Read Full
Review

Intro APR

None

Regular APR

23.99% Variable

Annual Fee

$39

Credit Needed

N/A

Request your own credit limit between $2,000 and $100,000―multiples of $50―when you apply, subject to credit approval.
Security deposit is 110% 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 that you make at qualified merchants.
United States citizenship isn’t required but you must have a valid Social Security number or individual taxpayer identification number (TIN) and a valid US address.
Online access to view transactions, pay your bill, view up to seven years of prior statements, and more.

Pros

Accepts a wide range of credit scores
You can set your own credit limit
Offers user-friendly management reports
You’ll earn 0.05% annual percentage yield (APY) on your security deposit account balance

Cons

Requires an annual fee
Charges a foreign transaction fee
Doesn’t offer rewards

Automatic discounts: Good on purchases you make at qualified merchants. Rebates will be applied as statement credits.
Visa Zero Liability: It covers you when fraudulent charges are made with either your card or your account information.
Free management reports: Be able to track your expenses and spending, identify tax deductions, prepare tax filings, and predict costs with ease

Read Full Review

Discover it® Secured

BEST FOR:

Business owners who need help rebuilding personal credit

Apply Now

On Discover's Secure Website

Intro APR

N/A

Regular APR

25.24% variable

Annual Fee

Credit Needed

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: Equifax, Experian, and TransUnion.
Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at eight 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 each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
We match all the cash back you've earned at the end of your first year automatically.
Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.

Pros

Ongoing cash back
No annual fee
Automatic monthly account review

Cons

Security deposit is required
No 0% APR period
High ongoing APR

Updated FICO Credit Scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
Data privacy: Remove personal information from selected people-search sites that may sell your data.
Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card

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Review

Intro APR

N/A

Regular APR

25.24% variable

Annual Fee

Credit Needed

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: Equifax, Experian, and TransUnion.
Establish your credit line by providing a refundable security deposit from $200 to $2,500 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at eight 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 each quarter. In addition, earn an unlimited 1% cash back on all your other purchases―automatically
Get 100% US-based customer service & get your free Credit Scorecard with your FICO® Credit Score
We match all the cash back you've earned at the end of your first year automatically.
Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.

Pros

Ongoing cash back
No annual fee
Automatic monthly account review

Cons

Security deposit is required
No 0% APR period
High ongoing APR

Updated FICO Credit Scores: You can get FICO® credit score, key factors, and other credit information on Discover.com and your statement.
Data privacy: Remove personal information from selected people-search sites that may sell your data.
Freeze it®: Freeze your account within seconds in the event you have misplaced your physical card

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Brex Business Card

BEST FOR:

No personal guarantee required

Apply Now

On Brex's Secure Website

Intro APR

N/A

Regular APR

N/A

Annual Fee

Credit Needed

Poor to Excellent

No personal liability or security deposit needed―no credit score impact
Earn points on spend with industry-leading multipliers: 7x on rideshare, 5x on Brex Travel, 4x on restaurants, 3x on software subscriptions, and 1x on the rest
Easy, online application―get a virtual card in 5 minutes or less and a physical card in the mail shortly thereafter
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 additional fees
Sign up bonus

Cons

Requires a Brex Cash account
Bonus rewards are not as extensive compared to other cards

Protection against fraudulent transactions
Expense tracking that makes sure you are able to match receipts automatically, close books in half the time, and root out excess spending
Discounts on software such as QuickBooks, AWS, and others.

Read Full
Review

Intro APR

N/A

Regular APR

N/A

Annual Fee

Credit Needed

Poor to Excellent

No personal liability or security deposit needed―no credit score impact
Earn points on spend with industry-leading multipliers: 7x on rideshare, 5x on Brex Travel, 4x on restaurants, 3x on software subscriptions, and 1x on the rest
Easy, online application―get a virtual card in 5 minutes or less and a physical card in the mail shortly thereafter
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 additional fees
Sign up bonus

Cons

Requires a Brex Cash account
Bonus rewards are not as extensive compared to other cards

Protection against fraudulent transactions
Expense tracking that makes sure you are able to match receipts automatically, close books in half the time, and root out excess spending
Discounts on software such as QuickBooks, AWS, and others.

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76® Universal Fuel Card

BEST FOR:

Earning up to 7 cents per gallon

Apply Now

on 76® Universal Fuel Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

$0, $2 monthly fee and one-time $40 setup fee

Credit Needed

N/A

Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).

Pros

Accepted at 95% of US gas stations
24/7 roadside assistance and 24/7 customer service
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card, but a charge card so the balance is due in full each billing cycle
Rebates only available at 76®, Conoco®, and Phillips 66® locations

Unique driver IDs help prevent unauthorized purchases
Manage spending by card or driver
Restrict card use to times of day or days of week
Limit card use by product type, location, or amount
Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3 cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4 cents discount per gallon
- 5,000 to 6,999 monthly gallons: 5 cents discount per gallon
- 7,000 to 9,999 monthly gallons: 6 cents discount per gallon
- 10,000 or more monthly gallons: 7 cents discount per gallon

Intro APR

N/A

Regular APR

N/A

Annual Fee

$0, $2 monthly fee and one-time $40 setup fee

Credit Needed

N/A

Save up to 7 cents per gallon at more than 6,800 76®, Conoco®, and Phillips 66® locations
With the 76 Universal Card, you can save up to 7¢ a gallon (based on monthly gallons purchased at 76®, Phillips 66® and Conoco® locations).

Pros

Accepted at 95% of US gas stations
24/7 roadside assistance and 24/7 customer service
One-click reports include:
- Purchase activity
- Exception, transaction summary, and transaction deals
- Financial summary, site summary, and exception summary
- Tax exemption (for qualified fleets)

Cons

Not a credit card, but a charge card so the balance is due in full each billing cycle
Rebates only available at 76®, Conoco®, and Phillips 66® locations

Unique driver IDs help prevent unauthorized purchases
Manage spending by card or driver
Restrict card use to times of day or days of week
Limit card use by product type, location, or amount
Discounts at 76®, Conoco®, and Phillips 66® locations
- 500 to 2,499 monthly gallons: 3 cent discount per gallon
- 2,500 to 4,999 monthly gallons: 4 cents discount per gallon
- 5,000 to 6,999 monthly gallons: 5 cents discount per gallon
- 7,000 to 9,999 monthly gallons: 6 cents discount per gallon
- 10,000 or more monthly gallons: 7 cents discount per gallon

AAdvantage® Aviator® World Elite Business Mastercard®

BEST FOR:

Business owners that frequently fly American Airlines

Apply Now

On Barclays's Secure Website

Intro APR

N/A

Regular APR

18.24% or 27.24% Variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Generous welcome offer
Consolidated way of earning loyalty points
No foreign transaction fees

Cons

No interest-free financing option
Can only obtain rewards by flying with American Airlines and its partner airlines
Charges an annual fee

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.
In-flight 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.

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Review

Intro APR

N/A

Regular APR

18.24% or 27.24% Variable

Annual Fee

$95

Credit Needed

Good - Excellent

2x AAdvantage® miles for every dollar spent on eligible American Airlines purchases
2x AAdvantage® miles for every dollar spent at eligible office supply, telecom, and car rental purchases
1x AAdvantage® miles for every dollar spent on all other purchases
Earn 5% AAdvantage® mileage bonus every year after your account anniversary date based on the total number of miles earned

Pros

Generous welcome offer
Consolidated way of earning loyalty points
No foreign transaction fees

Cons

No interest-free financing option
Can only obtain rewards by flying with American Airlines and its partner airlines
Charges an annual fee

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.
In-flight 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.

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Affinity FCU Business FirstSM Visa® Credit Card

BEST FOR:

Those with active Affinity Plus FCU business checking accounts

Apply Now

on Affinity FCU Business FirstSM Visa® Credit Card's secure website.

Intro APR

N/A

Regular APR

Starting at 12.75% variable

Annual Fee

Credit Needed

Earn 5,000 initial bonus points with your first purchase
Earn up to 6x bonus points when you shop on Affinity FCU's rewards website.
With Affinity Visa Secure, cardholders receive an extra layer of protection when shopping online
Reports to the three major credit bureaus: Equifax, Experian, and TransUnion

Pros

No annual fee
Provides maximum points rewards for cardholders
Reports to multiple credit bureaus

Cons

No interest-free financing scheme
Limited branches
Charges foreign transaction fees

Fraud protection: Monitor accounts in real-time
Visa SavingsEdge discount: Receive special discounts on qualifying purchases
Emergency cash/card replacement: Get an emergency/replacement card, such as if you have lost your card

Read Full
Review

Intro APR

N/A

Regular APR

Starting at 12.75% variable

Annual Fee

Credit Needed

Earn 5,000 initial bonus points with your first purchase
Earn up to 6x bonus points when you shop on Affinity FCU's rewards website.
With Affinity Visa Secure, cardholders receive an extra layer of protection when shopping online
Reports to the three major credit bureaus: Equifax, Experian, and TransUnion

Pros

No annual fee
Provides maximum points rewards for cardholders
Reports to multiple credit bureaus

Cons

No interest-free financing scheme
Limited branches
Charges foreign transaction fees

Fraud protection: Monitor accounts in real-time
Visa SavingsEdge discount: Receive special discounts on qualifying purchases
Emergency cash/card replacement: Get an emergency/replacement card, such as if you have lost your card

Read Full Review

Amazon Prime Rewards Visa Signature Card

BEST FOR:

Earning rewards on Amazon purchases through Amazon Prime membership

Apply Now

On Amazon's Secure Website

Intro APR

N/A

Regular APR

15.74% - 23.74% Variable

Annual Fee

None

Credit Needed

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

Intro APR

N/A

Regular APR

15.74% - 23.74% Variable

Annual Fee

None

Credit Needed

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

BEST FOR:

Earning rewards on Amazon purchases with a personal card

Apply Now

On Amazon's Secure Website

Intro APR

N/A

Regular APR

15.74% - 23.74% Variable

Annual Fee

None

Credit Needed

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

Intro APR

N/A

Regular APR

15.74% - 23.74% Variable

Annual Fee

None

Credit Needed

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

BEST FOR:

Those who want better cash back rewards

Apply Now

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

Intro APR

0% on purchases

Regular APR

17.49% - 25.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

Read Full
Review

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

17.49% - 25.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

Read Full Review

See Rates & Fees

Apply Now

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

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

See Rates
& Fees

Intro APR

N/A

Regular APR

18.49% - 26.49% Variable

Annual Fee

$295

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 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: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
*Terms Apply

See Rates & Fees

Arco® Business Solutions Mastercard®

BEST FOR:

Those who fuel up at ARCO Gas Stations

Apply Now

on Arco® Business Solutions Mastercard®'s secure website.

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Intro APR

N/A

Regular APR

N/A (this is a charge card)

Annual Fee

None. Monthly membership fee is $10, waived for each month you purchase over 5,000 gallons of fuel

Credit Needed

Poor, Good

Enjoy Top Tier™ gas for less® plus an additional 1 cent per gallon in rebates at all ARCO fueling locations in the US.
4 cents per gallon in rebates at all other fueling locations in the US that accept Mastercard™.

Pros

Premium rebates on gas purchases
Can be used anywhere Mastercard is accepted
Accounts with poor credit can apply

Cons

Balance is due in full every billing cycle
High monthly fee
No rewards on other purchases

Tax-exempt reporting
Set card controls and purchase restrictions
Online account manager

Associated Bank Visa® Business Cash Preferred Credit Card

BEST FOR:

Those who frequently travel

Apply Now

on Associated Bank Visa® Business Cash Preferred Credit Card's secure website.

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With intro APR on purchases and balance transfers
Earn unlimited rewards
No annual fee

Cons

Short intro APR duration vs other cards
Need to redeem cards within 5 years

Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
Extended warranty & purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.

Read Full
Review

Intro APR

Regular APR

16.99% to 25.99% variable

Annual Fee

Credit Needed

Good

Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and dining (takeout and food delivery service providers), with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With intro APR on purchases and balance transfers
Earn unlimited rewards
No annual fee

Cons

Short intro APR duration vs other cards
Need to redeem cards within 5 years

Online reporting with spend analysis: A free online tool that can help small businesses review credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis
Fraud protection: Associated Bank notifies you of any unusual card activity and also comes with zero fraud liability, which protects you from fraudulent use of your card or account information in the event it’s lost or stolen.
Auto rental collision damage waiver: You’re eligible for auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business card.
Extended warranty & purchase protection: Doubles the manufacturer’s warranty on purchases made with your card.

Read Full Review

Associated Bank Visa® Business Platinum Credit Card

BEST FOR:

Those who need to carry a balance

Apply Now

on Associated Bank Visa® Business Platinum Credit Card's secure website.

Intro APR

0% APR for the first 18 billing cycles

Regular APR

14.99% to 23.99%

Annual Fee

None

Credit Needed

Good to Excellent

0% APR for the first 18 billing cycles
Free employee cards with individual credit limits

Pros

No annual fee
Long introductory APR on purchases and balance transfers
Low ongoing APR

Cons

No sign-up bonus
No ongoing rewards
No introductory balance transfer fee

Protection against terminated employees’ misuse up to $100,000
Free online reporting with Spend Analysis
Visa-specific benefits including Extended Warranty, Purchase Protection, and Auto Rental Collision Damage Waiver Insurance

Read Full
Review

Intro APR

0% APR for the first 18 billing cycles

Regular APR

14.99% to 23.99%

Annual Fee

None

Credit Needed

Good to Excellent

0% APR for the first 18 billing cycles
Free employee cards with individual credit limits

Pros

No annual fee
Long introductory APR on purchases and balance transfers
Low ongoing APR

Cons

No sign-up bonus
No ongoing rewards
No introductory balance transfer fee

Protection against terminated employees’ misuse up to $100,000
Free online reporting with Spend Analysis
Visa-specific benefits including Extended Warranty, Purchase Protection, and Auto Rental Collision Damage Waiver Insurance

Read Full Review

Associated Bank Visa® Business Real Rewards Card

BEST FOR:

Those who prefer unlimited fixed-rate rewards

Apply Now

on Associated Bank Visa® Business Real Rewards Card's secure website.

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

2,500 bonus rewards Points awarded after first purchase
Earn 1.5 points for every eligible net $1 you spend

Pros

Sign-up bonus
No annual fee
Unlimited rewards

Cons

Short interest-free financing option on purchases and balance transfers
Rewards expire within 5 years

Online reporting with spend analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
Fraud protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
Travel and emergency assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.

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Review

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

2,500 bonus rewards Points awarded after first purchase
Earn 1.5 points for every eligible net $1 you spend

Pros

Sign-up bonus
No annual fee
Unlimited rewards

Cons

Short interest-free financing option on purchases and balance transfers
Rewards expire within 5 years

Online reporting with spend analysis: Offers a free online tool that lets you generate credit card spending reports on a monthly, quarterly, annual, or year-to-date basis
Fraud protection: Associated Bank will notify you of any unusual card activity to prevent fraudulent transactions
Travel and emergency assistance: Call Visa’s 24-hour Visa Assistance Center at (800) VISA-911 to report a lost or stolen card and request an emergency card replacement.

Read Full Review

Banc of California Business Platinum Mastercard®

BEST FOR:

Those looking to finance a large purchase or transfer a balance

Apply Now

on Banc of California Business Platinum Mastercard®'s secure website.

Intro APR

0% introductory APR for the first 20 billing cycles

Regular APR

15.74% to 24.74% variable

Annual Fee

None

Credit Needed

Good to excellent

Access to expense management tools to help you organize and track your overall spending.
No annual fee

Pros

Low ongoing APR
Offers a long introductory APR on both purchases and balance transfers
Doesn’t charge annual fees

Cons

Doesn’t offer any rewards for their new and existing cardholders
No introductory balance transfers

Management benefits: Banc of California can help you build your credit history in no time and protect you against terminated employees’ misuse of either up to $100,000 for companies with more than five cardmembers or up to $25,000 per cardmember for companies with two to four cardmembers.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity
MasterRental insurance coverage: Mastercard pays for physical damage and theft to most rental vehicles of up to $50,000.
Mastercard global service: Provides worldwide 24-hour assistance on lost and stolen cards, emergency card replacement, and emergency cash advance

Read Full
Review

Intro APR

0% introductory APR for the first 20 billing cycles

Regular APR

15.74% to 24.74% variable

Annual Fee

None

Credit Needed

Good to excellent

Access to expense management tools to help you organize and track your overall spending.
No annual fee

Pros

Low ongoing APR
Offers a long introductory APR on both purchases and balance transfers
Doesn’t charge annual fees

Cons

Doesn’t offer any rewards for their new and existing cardholders
No introductory balance transfers

Management benefits: Banc of California can help you build your credit history in no time and protect you against terminated employees’ misuse of either up to $100,000 for companies with more than five cardmembers or up to $25,000 per cardmember for companies with two to four cardmembers.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly, and the bank will notify you of any unusual card activity
MasterRental insurance coverage: Mastercard pays for physical damage and theft to most rental vehicles of up to $50,000.
Mastercard global service: Provides worldwide 24-hour assistance on lost and stolen cards, emergency card replacement, and emergency cash advance

Read Full Review

Banc of California Mastercard® Business Cash Preferred Card

BEST FOR:

Those who prefer to earn cash back rewards and are paying for software subscriptions

Apply Now

on Banc of California Mastercard® Business Cash Preferred Card's secure website.

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

$25 cash back bonus after making your first purchase
3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
1% cash back on all other eligible purchases, with no caps or limits on the points you can earn
$100 annual software credit after using your card to pay software subscriptions for 11 consecutive months

Pros

Comes with a signup bonus worth $25 after making your first purchase
Doesn’t charge annual fees
Can earn unlimited rewards, with no caps or limits on the points you can earn

Cons

Offers short 0% APR period vs other business credit cards
Rewards expire within five years

Online reporting with spend analysis: Offers a free online tool that lets business owners review their credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account and notifying you of any unusual card activity.
MasterRental insurance coverage: This coverage pays up to $50,000 if an eligible rental vehicle is damaged or stolen.
Management benefits: Include protection against terminated employees’ misuse of up to $100,000 for companies with more than five card members or up to $25,000 per card member for companies with two to four card members.

Read Full
Review

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

$25 cash back bonus after making your first purchase
3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants (including takeout and food delivery service purchases), with no caps or limits on the points you can earn
1% cash back on all other eligible purchases, with no caps or limits on the points you can earn
$100 annual software credit after using your card to pay software subscriptions for 11 consecutive months

Pros

Comes with a signup bonus worth $25 after making your first purchase
Doesn’t charge annual fees
Can earn unlimited rewards, with no caps or limits on the points you can earn

Cons

Offers short 0% APR period vs other business credit cards
Rewards expire within five years

Online reporting with spend analysis: Offers a free online tool that lets business owners review their credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account and notifying you of any unusual card activity.
MasterRental insurance coverage: This coverage pays up to $50,000 if an eligible rental vehicle is damaged or stolen.
Management benefits: Include protection against terminated employees’ misuse of up to $100,000 for companies with more than five card members or up to $25,000 per card member for companies with two to four card members.

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Bank of America Business Advantage Unlimited Cash Rewards Mastercard Credit Card

BEST FOR:

Those with an existing business checking account with Bank of America®

Apply Now

on Bank of America Business Advantage Unlimited Cash Rewards Mastercard Credit Card's secure website.

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don’t expire.
No annual fee.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee
Flexible redemption options
Sign-up bonus

Cons

Low cash back rewards
No zero foreign transaction fee
Short 0% APR period

Travel & emergency services: This includes $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re away from home.
Online & mobile access: Manage your account anytime and anywhere through online and mobile banking.
Balance Connect™ for overdraft protection: You have the option to link your credit card to a Bank of America® business checking account for overdraft protection to help prevent declined purchases, returned checks, or other overdrafts.

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Review

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Earn unlimited 1.5% cash back on all purchases everywhere, every time.
No annual cap and cash rewards don’t expire.
No annual fee.
You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
0% Introductory APR on purchases for the first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Contactless Cards - the security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

No annual fee
Flexible redemption options
Sign-up bonus

Cons

Low cash back rewards
No zero foreign transaction fee
Short 0% APR period

Travel & emergency services: This includes $100,000 in travel accident insurance, auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when you’re away from home.
Online & mobile access: Manage your account anytime and anywhere through online and mobile banking.
Balance Connect™ for overdraft protection: You have the option to link your credit card to a Bank of America® business checking account for overdraft protection to help prevent declined purchases, returned checks, or other overdrafts.

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Bank of America® Platinum Plus® Mastercard® Business card

BEST FOR:

Low-interest financing on business purchases

Apply Now

On Bank of America's Secure Website

Intro APR

Regular APR

14.49% - 25.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.49% to 25.49% will apply.
Employee cards at no additional cost to you and with credit limits you set.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Low ongoing APR
0% introductory APR
No annual fee
Sign-up bonus of $300

Cons

No ongoing rewards
0% APR excludes balance transfers
No-interest period is shorter than other cards

Zero Liability Protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
Balance Connect for Overdraft Protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
Free Access to Business Credit Score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.

Read Full
Review

See Rates
& Fees

Intro APR

Regular APR

14.49% - 25.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.
0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 14.49% to 25.49% will apply.
Employee cards at no additional cost to you and with credit limits you set.
Contactless Cards - The security of a chip card, with the convenience of a tap.
This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Pros

Low ongoing APR
0% introductory APR
No annual fee
Sign-up bonus of $300

Cons

No ongoing rewards
0% APR excludes balance transfers
No-interest period is shorter than other cards

Zero Liability Protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
Balance Connect for Overdraft Protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
Free Access to Business Credit Score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.

Read Full Review

See Rates & Fees

Bank of Oklahoma Visa® Business Cash Preferred Card

BEST FOR:

Those with existing business savings or checking accounts with Bank of Oklahoma

Apply Now

on Bank of Oklahoma Visa® Business Cash Preferred Card's secure website.

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online Reporting with Spend Analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud Protection & Zero Fraud Liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto Rental Collision Damage Waiver Insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel & Emergency Assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

Intro APR

Regular APR

17.74% to 26.74% variable

Annual Fee

None

Credit Needed

Good

3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, with no caps or limits on the cash back you can earn
Unlimited 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn
$100 annual software credit after spending on software subscriptions for 11 consecutive months

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online Reporting with Spend Analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud Protection & Zero Fraud Liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto Rental Collision Damage Waiver Insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel & Emergency Assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

Bank of Oklahoma Visa® Business Real Rewards Credit Card

BEST FOR:

Those who prefer fixed-rate rewards

Apply Now

on Bank of Oklahoma Visa® Business Real Rewards Credit Card's secure website.

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 cash back on all other eligible purchases, with no caps or limits on the points you can earn

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online reporting with spend analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel and emergency assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

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Review

Intro APR

0% APR for the first six billing cycles

Regular APR

17.74% to 26.74% variable

Annual Fee

Credit Needed

Good

2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings
Unlimited 1.5 cash back on all other eligible purchases, with no caps or limits on the points you can earn

Pros

With sign-up bonus
No annual fee
No caps or limits on the cash back you can earn

Cons

Offers short intro APR period on both purchases and balance transfers
Rewards expire five years from the end of the quarter in which they earned

Online reporting with spend analysis: Bank of Oklahoma provides a free online tool that allows you to review your credit card spending on a monthly, quarterly, annual, or year-to-date basis.
Fraud protection and zero fraud liability: Fraud protection helps detect and prevent fraudulent activities by monitoring your account regularly.
Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage waiver insurance when you charge your entire car rental to your Visa business credit card.
Travel and emergency assistance: When you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information in case of an emergency.

Read Full Review

Bank of the West Business Rewards Mastercard®

BEST FOR:

Those based in the Western part of the country

Apply Now

on Bank of the West Business Rewards Mastercard®'s secure website.

Intro APR

0% for the first nine months after account opening

Regular APR

Prime Rate +10.74%

Annual Fee

Credit Needed

Good, Excellent

Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
2X Points for every dollar spent on everyday qualifying purchases
Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®

Pros

No annual fees
0% introductory APR
Access via mobile app

Cons

Charges foreign transaction fees
Branches are only available in 19 states

Zelle®: This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
Zero Liability Protection: Bank of the West also offers Zero Liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
Automatic alerts: You can receive automatic text messages to inform you of your credit card activities

Read Full
Review

Intro APR

0% for the first nine months after account opening

Regular APR

Prime Rate +10.74%

Annual Fee

Credit Needed

Good, Excellent

Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
2X Points for every dollar spent on everyday qualifying purchases
Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®

Pros

No annual fees
0% introductory APR
Access via mobile app

Cons

Charges foreign transaction fees
Branches are only available in 19 states

Zelle®: This is a unique feature within the Bank of the West’s mobile app that allows businesses to send and receive payments.
Zero Liability Protection: Bank of the West also offers Zero Liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
Automatic alerts: You can receive automatic text messages to inform you of your credit card activities

Read Full Review

BBVA Compass Secured Visa® Business Credit Card

BEST FOR:

Business that operate out of Southern or Southwestern states

Apply Now

On BBVA's Secure Website

Intro APR

N/A

Regular APR

18.49% Variable

Annual Fee

$40 (Waived First Year)

Credit Needed

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.

Intro APR

N/A

Regular APR

18.49% Variable

Annual Fee

$40 (Waived First Year)

Credit Needed

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

BEST FOR:

Managing employee expenses without a credit check to qualify

Apply Now

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

Number Of Cards

Unlimited

Monthly Cost

$29-149 monthly

Daily Load Limit

None

Daily Spend Limit

$25,000

Instant decision
No credit check required
One-click card controls and expense reports

Pros

Get the first two cards for free
Manage employee expenses easily
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

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