Credit Cards

The Amazon Business American Express Card is best for business owners who shop at Amazon-owned companies frequently but don’t have Amazon Prime memberships. You can enjoy perks like 3% cash back or 60-day financing on United States purchases at Amazon Business, Amazon Web Services (AWS), Amazon, and Whole Foods Market. It lacks annual and foreign transaction fees and doesn’t allow balance transfer transactions. If you wish to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Amazon Business American Express Credit Card Is Best For Business owners who shop at Amazon but aren’t Prime members: This card doesn’t require a Prime membership. It offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS. To find other options, head over to our recommended alternatives below. Amazon Business American Express Card Fees APR Ongoing: 17.99% to 25.99% variable, which adjusts with the prime rate Cash advance: 28.74% variable, which adjusts with the prime rate Penalty: 29.99% variable, which adjusts with the prime rate; will be applied to your account if you did one of the following: Made a returned payment Made two late payments within the past 12 months Didn’t make the minimum payment due by the closing date of the billing period when it’s due Fees Annual: None Balance transfer: Transfers aren’t allowed Foreign transaction: None Cash advance fee: $5 or 3%, whichever is greater Late payment fee: Up to $39 Overlimit: None Returned payment: $39 How To Make Payments in the Amazon Business American Express Credit Card Online: Make a payment through your American Express online account anytime. Choose your payment account and select your bank account and payment date. Take note that credit cards and debit cards cannot be accepted as a form of payment. Direct bank payment: Direct debits let you pay bills automatically, so there’s no need to worry about missing due dates. Provide your bank account details to American Express and indicate the amount you’d like to pay every month. AutoPay: Enroll in AutoPay through your American Express online account. Note that your first AutoPay payment may not be applied to your current billing cycle. You may need to make your usual payments through a different method until your AutoPay begins. Amex Mobile App: Download the Amex Mobile App and enjoy the convenience of paying your bills on the go, anytime, anywhere. Mail: You can send your payment either by check or money order made payable to American Express. Finally, ensure to include your account number at the front of your payment. First Class Mail American Express PO Box 650448 Dallas, TX 75265-0448 Express Mail American Express Attn: Express Mail Remittance Processing 20500 Belshaw Ave. Carson, CA 90746 Amazon Business American Express Credit Card Rewards $100 Amazon gift card upon approval Either 3% back or 60-day terms on US purchases at Amazon Business, AWS, Amazon, and Whole Foods Market—if you choose to earn rewards, you’ll earn 3% back on the first $120,000 in purchases for each calendar year, then 1% Back thereafter 2% back at US restaurants, US gas stations, and on wireless telephone services purchased directly from US service providers 1% back on all other purchases Amazon rewards are tracked as points vs cash back, with every 100 points earned worth $1. You can redeem your Amazon rewards points for eligible purchases at Amazon or as an automatic credit to your bill. Your points don’t expire as long as your account remains open. However, you may forfeit points if your account status changes or if you default on a payment. Amazon Business American Express Credit Card Additional Features Protection Coverage Return protection: This card offers return protection if a store won’t accept a return within 90 days from the purchase date. American Express may refund the full purchase price up to $300 per item, with a maximum of $1,000 per account per year. Extended warranty protection: If a purchased item has a manufacturer’s warranty of five years or less, American Express will provide an additional one-year warranty. Baggage insurance plan: When you purchase your entire trip using this card, you’re covered with baggage insurance up to $1,250 per person for carried-on bags and up to $500 per person for checked bags. Car rental loss and damage insurance: American Express will cover up to $50,000 per car rental agreement for damage to or theft of a rental vehicle in a covered territory during the rental period. Cash Management Amazon Business enhanced data views: Each time you make a purchase on your Amazon business credit card, Amazon will collect and share transaction data with American Express to help provide purchase details on your statement. This feature allows you to see Amazon Business purchases listed item by item in an easily downloadable file from your online statement, so you can gain enhanced insights into purchases and simplify expense reporting. Amazon shop with points: You can earn rewards that don’t expire and use them to shop with Amazon. You have the option to pay your purchases with points upon checkout on Amazon and US Amazon Business or apply them toward a purchase on your statement. Amazon Business American Express Credit Card Alternatives Chase Ink Business Unlimited® is best for those wanting an easy rewards program Offers unlimited 1.5% fixed rate cash back for every dollar spent on any business purchase, regardless of the spend category Comes with a welcome offer of $750 cash back after spending $7,500 worth of purchases within the first three months after account opening Charges no annual fee Is among our best business credit cards with no annual fee. Capital One® Spark® Cash Select Good Credit is best for business owners with good credit wanting to earn fixed-rate cash back Offers unlimited 1.5% cash back on all purchases without having to monitor spending categories Comes with a 0% introductory APR on purchases for 12 months and no annual fee Is one of our leading business credit cards for self-employed American Express Blue Business® Plus is designed for those who go over their credit limit Features expanded buying power that allows you to spend beyond your credit limit based on your card usage, credit score, payment behavior, and financial resources Offers a 0% introductory rate for 12 months Doesn’t allow cash advances Has no annual fee Is one of our top-recommended credit cards for new businesses with no credit history Bottom Line The is designed for business owners who shop at Amazon stores regularly but aren’t members of Amazon Prime. It has no annual fees and offers several perks and rewards specifically designed for frequent Amazon shoppers. However, it lacks balance transfers, and the 60-day term that it offers for select purchases is shorter compared to the 0% introductory period offered by most other business credit cards.

The Capital One® Spark® Miles Select for Business is best for business owners wanting to earn unlimited travel rewards without paying an annual fee. It offers 1.5x miles on all purchases and lets you transfer miles to any of its travel partners. It also features 0% introductory APR and $0 foreign transaction fees on purchases made outside of the United States. To see how these cards stack up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison. Who Capital One® Spark® Miles Select for Business Is Best For Business owners with an annual credit card spending of $19,000 or less: With this no-annual-fee card, you’ll earn 28,500 miles, equivalent to $285, if you spend $19,000 in one year. Business owners who travel for business frequently: You can redeem your rewards to book flights, rent cars, and pay for hotel stays, making it an excellent option for frequent travelers. It’s no surprise that this card is our top pick for the best business credit cards for travel. If you want to find other options, proceed to our recommended alternatives below to find cards that may be more suitable for your business’s needs. Capital One® Spark® Miles Select for Business Fees APR Introductory: 0% on purchases for nine months Ongoing (for purchases and balance transfers): 16.99% to 26.99% variable, which adjusts based on Prime rate Cash advance: 29.99% variable, which adjusts based on prime rate Penalty: 32.4% variable, which adjusts based on prime rate; applies to your account if you make a late payment Fees Annual: None Balance transfer: None Foreign transaction: None Cash advance: $3 or 3%, whichever is greater Late payment: Up to $39 How To Make Payments on Capital One® Spark® Miles Select for Business Online: Sign in and set up Bill Pay to make quick and easy payments. AutoPay: You can set up automatic payments with your preferred schedule via AutoPay. This can be changed or canceled at any time. Mobile app: Log in to your account, choose your card, then tap “Make a Payment.” This app is available on both Android and iOS devices. Western Union: Aside from the Capital One mobile app, you can also make your payments through the Western Union mobile app using your debit card. In-person: Go to the nearest Capital One branch and make your credit card payment during normal business hours. Mail: Send either a check or money order (not cash) through its Payment Processing address. Ensure to send it early so that it’ll arrive by your due date, and write your credit card number on the check for easy reference: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083 If you’ll be using the overnight address, please take note that this won’t get delivered straight to a payment processing center and may not get processed the next day. To avoid this, use express mail services, such as FedEx, UPS, and DHL. OVERNIGHT ADDRESS Capital One Attn: Payment Processing 6125 Lakeview Rd., Ste. 800 Charlotte, NC 28269 Capital One® Spark® Miles Select for Business Rewards 20,000 one-time bonus miles, equivalent to $200 in travel, after spending $3,000 on purchases within the first three months after opening an account Unlimited 1.5x miles on all purchases regardless of spending categories, with no blackouts or seat restrictions and no minimum miles to redeem 5x miles on hotels and rental cars that are booked through You can redeem your rewards to book flights, rent cars, and pay for hotel stays and past travel purchases within 90 days of the date of the travel purchase. You can also redeem your rewards as cash back in the form of a statement credit or check by mail or redeem them as gift cards for restaurants, retailers, or hotels. Your rewards may be worth more in free travel when you transfer your miles to a partner’s loyalty program. Capital One has more than 15 partners, such as Air Canada, British Airways, Qantas, Singapore Airlines, and Turkish Airlines. Capital One® Spark® Miles Select for Business Additional Features Travel Capital One Travel: offers cardholders access to the best prices on thousands of travel options. What’s great about this feature is that you can take advantage of the reduced prices even after you book your travel. What’s more, you can pay for your booking using your card, rewards, or both. Miles Transfer: The card allows you to transfer miles to one of Capital One’s 15-plus participating partners. Rental Collision Coverage: When you rent a car using your Capital One business credit card, you’re covered for any damage or theft on the rented vehicle. Roadside Assistance: Cardholders can get access to services to help during auto-related emergencies, including changing tires, jump-starting, and towing. Protection Coverage Fraud and security alerts: Capital One will alert you via email or text message if the bank detects a potential unauthorized transaction or suspicious charge on your account. Extended warranty: When you make a purchase using your card, you’ll receive free additional warranty and protection on eligible items. $0 fraud liability: If your card is lost or stolen, you’ll receive an emergency replacement and a cash advance. Cash Management Payment flexibility: Capital One allows you to pick your own monthly due date based on your preferred schedule. Online account access: You can manage your account online or through the mobile app and get account activity alerts, see payment options, download past account statements, and control employee spending. Capital One® Spark® Miles Select for Business Alternatives Chase Ink Business Unlimited® is a cash back business credit card best suited for those wanting to earn fixed-rate rewards and have other existing Chase credit cards Lets you earn 1.5% cash back rewards on all business-related purchases and a welcome bonus of $750 cash back after spending $7,500 on purchases within the first three months after opening an account Offers an interest-free financing option on purchases for the first 12 months after account opening Has no annual fee Is our best small business credit card and leading credit card for new businesses with no credit history American Express® Business Gold Card is ideal for businesses that spend more on certain categories Offers 4x points per dollar on the first $150,000 among two select categories where your business spends the most each month and 1x point per dollar on all other purchases Lets you earn 70,000 Membership Rewards® points after spending $10,000 worth of eligible purchases within the first three months of account opening Is one of our top-recommended high-limit business credit cards Bank of America® Business Advantage Travel Rewards World Mastercard® is best for business owners who have frequent travel expenses and can spend at least $3,000 within three months of opening an account Lets you earn 30,000 bonus points when meeting the spending requirement, which can be redeemed for a $300 statement credit toward travel purchases Offers 1.5x points per dollar on all business-related purchases Comes with no annual fee and an introductory 0% APR for the first nine billing cycles Is one of our best business credit cards for the self-employed Bottom Line The is best for business owners who prefer to earn fixed-rate travel rewards without having to pay an annual fee. Those who spend $19,000 or less annually and often travel for business will benefit from this travel rewards credit card. Keep in mind that while it offers interest-free financing on purchases, the 0% introductory APR doesn’t apply to balance transfer transactions.

Community Banks of Colorado Visa® Business Cash Preferred Credit Card is designed for business owners with an existing deposit account with Community Banks of Colorado and those who prefer to earn unlimited cash back. This small business credit card comes with no annual fee and Visa-specific benefits, such as extended warranty, purchase protection, and emergency assistance. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Community Banks of Colorado Visa® Business Cash Preferred Credit Card Is Best For Those with software subscriptions: You get an annual $100 software credit when you pay for a subscription for 11 consecutive months. Those with existing Community Banks of Colorado savings or checking accounts: If you already bank with the provider, getting this card allows you to manage all of your business transactions in one bank. Check out our recommended alternatives below if this card doesn’t fit your business needs. Community Banks of Colorado Visa® Business Cash Preferred Credit Card Fees APR Introductory APR on purchases: 0% for the first six billing cycles after opening an account Introductory APR on balance transfers: 0% for the first six billing cycles for balances transferred within 186 days from account opening Ongoing APR on purchases and balance transfers: 17.74% to 26.74% variable, which will adjust with the prime rate Cash advance APR: 29.74% variable, which will adjust with the prime rate Penalty APR: 30.99% variable, which will adjust with the prime rate; will be applied to your account if you do one of the following: Make a payment five calendar days late twice or 30 calendar days once Make a returned payment Exceed your credit limit twice in 12 consecutive months Penalty APR will apply until you make six consecutive minimum payments when due and don’t exceed your credit limit during that period. Fees Annual: $0 Balance transfer and convenience check cash advance: Either $5 or 3% of the amount transferred/advanced, whichever is higher Foreign transaction: Either 2% of each foreign transaction in United States dollars or 3% of each foreign transaction in a foreign currency Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 4% of the amount of each transaction, whichever is greater Overdraft protection: $10 Late payment: $19 on balances up to $100 $29 on balances from $100 to $250 $39 on balances of $250 or more Returned payment: $35 Overlimit: $39 Your due date is within 24 to 30 days after the close of each billing cycle. Community Banks of Colorado Visa® Business Cash Preferred Credit Card Rewards $25 cash back bonus after making your first purchase Unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants, including takeout and food delivery service purchases Unlimited 1% cash back on all other eligible purchases $100 annual software credit after spending on software subscriptions for 11 consecutive months You can redeem your cash rewards in the form of a statement credit or as a deposit into a savings or checking account. You can also use your cash back for a rewards card. Each option requires a $25 minimum redemption amount and must be redeemed in increments of $25. How To Make Payments on the Community Banks of Colorado Visa® Business Cash Preferred Credit Card Auto Pay: Set up an automatic monthly withdrawal from your Community Banks of Colorado checking or savings account. Phone: Call the automated system at (866) 552-8855 from any touchtone phone. Online: Log in to your account at www.myaccountaccess.com. Community Banks of Colorado Visa® Business Cash Preferred Credit Card Features Management benefits: Community Banks of Colorado can help you build your credit history in no time and protect you against terminated employees’ misuse of up to $100,000. Online reporting with spend analysis: The card provides a free online tool that lets you review your credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis. You can view your expenses by total spending, average ticket, or merchant and download an account summary of up to 36 months of data. 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. Zero fraud liability protects you from fraudulent use of your card or account information if your card is lost or stolen, and you won’t be responsible for any unauthorized purchases. Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card. Certain conditions and exclusions apply, so check the terms and conditions detailed in the guide of your credit card. Purchase protection: Items purchased with this card are protected against damage and theft for 90 days. Check the terms and conditions in the guide of your credit card for certain exclusions. Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage insurance when you charge your entire rental to your Visa business credit card. You need to decline the rental company’s collision damage waiver option to receive 24-hour coverage for damage due to collision or theft. Travel and emergency assistance: In case of an emergency when you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information. You can also call the hotline to report a lost or stolen card and request an emergency card replacement, medical and legal referrals, and transportation assistance. The cardholder will be responsible for any fees associated with these services. Community Banks of Colorado Visa® Business Cash Preferred Credit Card Alternatives American Express Blue Business CashTM is best for those who want better cash back rewards and a longer 0% introductory APR period Lets you earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically Offers a 0% introductory APR on purchases for the first 12 months Doesn’t charge annual fees Is our best cash back business credit card and our leading business credit card for the self-employed U.S. Bank Business Platinum Card is a viable alternative for those who are looking to finance large purchases Offers a 0% introductory APR for the first 18 months on both purchases and balance transfers Doesn’t charge annual fees Lacks rewards for new and existing cardholders Is our top-recommended 0% APR business credit card and business credit card with a balance transfer offer U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is optimal for those wanting the same set of rewards with a longer 0% introductory APR Offers 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles Has no annual fees Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other net purchases Is our leading business credit card with no annual fee and one of our best business credit card balance transfer offers and business credit cards that don’t report to personal credit Bottom Line is a good option if you have an active savings or checking account with Community Banks of Colorado and if you pay for software subscriptions. Not only does it offer a 0% introductory APR on both purchases and balance transfers for the first six billing cycles, but it also lets you earn unlimited 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants and unlimited 1% cash back on all other eligible purchases.

Commerce Bank Visa Business Platinum Card is one of the few small business credit cards with a fixed rate and low regular APR of 10.90%. It doesn’t charge annual and foreign transaction fees and welcomes applicants with either fair or good credit. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Commerce Bank Visa Business Platinum Card Is Best For Those who make large purchases: If you’re planning to make large purchases such as office equipment and supplies, then this is a good choice because of its 10.90% regular APR. Those with existing Commerce Bank accounts: If you have an active Commerce Bank savings or checking account, you might want to consider getting this card so that you can bank with just one provider. If this doesn’t fit your business needs, then head over to our recommended alternatives below. Commerce Bank Visa Business Platinum Card Fees APR Introductory: N/A Purchases: 10.90% variable, depending on the prime rate Cash advance: 19.90% variable, depending on the prime rate Late payment: 21.99% variable, depending on the prime rate Variable rate information: APR is determined monthly by adding 9.90% to the prime rate, which is subject to a minimum rate of 5.00%. Fees Annual: $0 Minimum finance charge: $0.50 Minimum monthly payment: Either 5% of the current balance listed on your billing statement or $15, whichever is greater Foreign transaction: $0 Late payment and over-the-credit limit: $29 Cash advance: 3% of the cash advance amount, with a minimum of $15 Ensure to pay within 25 days from the date of the periodic statement (provided you have paid the previous balance in full by the due date). Commerce Bank Visa Business Platinum Card Rewards doesn’t offer any rewards for new and existing cardholders. How To Make Payments to the Commerce Bank Visa Business Platinum Card Online: Commerce Bank offers a Make a Payment Wizard that allows you to make a one-time payment from either your checking or savings account. Click the “Make a Payment” button on your Account Activity page or the “Make a Payment to your Credit Card” link on the Customer Service page. Branch: Go to the nearest Commerce Bank branch. Mobile app: Pay via the Commerce Bank iOS and Android apps, which you can also use to lock and unlock your card. Commerce Bank Visa Business Platinum Card Features Suspicious card activity alert: Cardholders can sign up for suspicious card activity alerts. You’ll receive a text message if a transaction is flagged due to potentially fraudulent activity. Lock your card: You can temporarily block new purchases and ATM withdrawals without interrupting existing recurring payments. Special Connections®: Cardholders with existing Commerce Bank checking accounts can take advantage of this to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM. Employee credit cards: You can get employee credit cards with an individual limit set for each. There’s no limit to the number of cards you can request. Visa® liability waiver program: This ensures cardholders that they aren’t liable for unauthorized purchases or withdrawals from their accounts. Click this link for more details about the program. Commerce Bank Visa Business Platinum Card Alternatives Commerce Bank Business Rewards Card is a viable alternative for those wanting cash back rewards from the same bank Features a fixed regular APR at 14.90% variable, depending on the prime rate Lets you earn 2x and 3x points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn Offers unlimited 1% cash back rewards, which you can redeem for airline travel, gift cards, merchandise, and more Chase Ink Business Unlimited® is a great choice if you’re on a tight budget and want a fixed-rate rewards card Has an interest-free financing option of 0% on purchases for the first 12 billing cycles Comes with no annual fees Offers unlimited 1.5% cash back on all business-related purchases Is our best small business credit card and leading credit card for new businesses with no credit history American Express Blue Business CashTM is best for those wanting cash back rewards and an introductory APR period Features a 0% introductory APR on purchases for the first 12 months Lacks annual fees Offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically Is our best cash back business credit card For additional options, check out our Credit Card Marketplace and our list of the best small business credit cards. Bottom Line is ideal for those with large purchases and have an active Commerce Bank savings or checking account. It offers a fixed rate of 10.90% on purchases and doesn’t charge annual fees. However, it lacks both an introductory APR and rewards for new and existing cardholders.

Community Banks of Colorado Visa® Business Real Rewards Credit Card is designed for business owners with an existing deposit account with Community Banks of Colorado. This small business credit card has no annual fee, offers unlimited rewards, and comes with Visa-specific benefits, such as extended warranty, purchase protection, and emergency assistance. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who The Community Banks of Colorado Visa® Business Real Rewards Credit Card is Best For Those who prefer fixed-rate rewards: It offers unlimited, fixed-rate points for all purchases, regardless of spending categories. Those with existing Community Banks of Colorado deposit accounts: If you already bank with the provider, getting this card allows you to manage all of your business transactions in one bank. Check out our recommended alternatives below if this isn’t what you’re looking for. Community Banks of Colorado Visa® Business Real Rewards Credit Card Fees APR Introductory APR on purchases: 0% for the first six billing cycles after opening an account Introductory APR on balance transfers: 0% for the first six billing cycles for balances transferred within 186 days from account opening Ongoing APR on purchases and balance transfers: 17.74% to 26.74% variable, which will adjust with the prime rate Cash advance APR: 29.74% variable, which will adjust with the prime rate Penalty APR: 30.99% variable, which will adjust with the prime rate; will be applied to your account if you do one of the following: Make a payment five calendar days late twice or 30 calendar days once Make a returned payment Exceed your credit limit twice in 12 consecutive months Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that period. Fees Annual: $0 Balance transfer and convenience check cash advance: Either $5 or 3% of the amount transferred/advanced, whichever is higher Foreign transaction: 2% of each foreign transaction in US dollars and 3% of each foreign transaction in a foreign currency Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 4% of the amount of each transaction, whichever is greater Overdraft protection: $10 Late payment: $19 on balances up to $100 $29 on balances from $100 to $250 $39 on balances of $250 or more Returned payment: $35 Overlimit: $39 Your due date is within 24 to 30 days after the close of each billing cycle. Community Banks of Colorado Visa® Business Real Rewards Credit Card Rewards 2,500 bonus points after making your first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings Unlimited 1.5 points for every eligible net dollar you spend Earned points can be redeemed as a cash deposit to a checking or savings account within seven business days or as a statement credit to your credit card account within one or two billing cycles. How to Make Payments on the Community Banks of Colorado Visa® Business Real Rewards Credit Card Autopay: Set up an automatic monthly withdrawal from your Community Banks of Colorado checking or savings account. Phone: Call the automated system at (866) 552-8855 from any touch-tone phone. Online: Log in to your account at www.myaccountaccess.com. Community Banks of Colorado Visa® Business Real Rewards Credit Card Features Management benefits: Community Banks of Colorado can help you build your credit history and protect you against terminated employees’ misuse of up to $100,000. Online reporting with spend analysis: The card comes with a free online tool that lets you review your credit card spending on a monthly, quarterly, annual, or year-to-date (YTD) basis. You can even view your expenses by total spending, average ticket, or merchant and download an account summary with up to 36 months of data. 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. Zero fraud liability protects you from fraudulent use of your card or account information if your card is lost or stolen. You won’t be responsible for any unauthorized purchases. Extended warranty: The extended warranty will double the manufacturer’s warranty on purchases made with your card. Certain conditions and exclusions apply, so check the terms and conditions detailed in the guide for your credit card. Purchase protection: Items purchased with this card are protected against damage and theft for 90 days. Check the terms and conditions in the guide of your credit card for certain exclusions. Auto rental collision damage waiver insurance: You’re covered with auto rental collision damage insurance when you charge your entire rental to your Visa business credit card. You need to decline the rental company’s collision damage waiver option to receive 24-hour coverage for damage due to collision or theft. Travel and emergency assistance: In case of an emergency while you’re traveling, you can call the 24-hour Visa Assistance Center at (800) VISA-911 for assistance or information. You can also call to report a lost or stolen card and request an emergency card replacement, medical and legal referrals, and transportation assistance. The cardholder will be responsible for fees associated with these services. Community Banks of Colorado Visa® Business Real Rewards Credit Card Alternatives Community Banks of Colorado Visa® Business Cash Preferred Credit Card is a good alternative if you want cash back on gas stations, cell phone service providers, office supply stores and restaurants. Lets you earn unlimited 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants, including takeout and food delivery services, and unlimited 1% cash back on all other eligible purchases Offers 0% introductory APR on both purchases and balance transfers for the first six billing cycles Has no annual fees U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is optimal for those wanting a longer 0% introductory APR Offers 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles Has no annual fees Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other net purchases Is our leading business credit card with no annual fee and one of our best business credit card balance transfer offers and business credit cards that don’t report to personal credit PNC points® Visa® Business Credit Card is a great option for those wanting to earn more points with no spending categories Lets you earn unlimited 5 points for every dollar spent on eligible purchases, with no spending categories to keep track of Comes with 0% APR on purchases and balance transfers for the first nine billing cycles Has no annual fees Is one of our top-recommended credit cards for nonprofits Bottom Line is a good option if you have an existing account with the Community Banks of Colorado. Not only does it have a 0% introductory APR on both purchases and balance transfers for the first six billing cycles, but it also offers unlimited 1.5 points for every eligible net dollar spent and a welcome bonus of 2,500 bonus points after your first purchase—redeemable for $25 cash back, merchandise, gift cards, or travel savings.

The Charity Charge Nonprofit Business Card is a charge card designed for nonprofit organizations that can pay their balance in full each month. It requires no personal guarantee, charges no annual fee, and offers up to a 20% discount on office supplies, transportation, and wireless expenses. To be eligible, the nonprofit should be in operation for at least five years with a minimum annual revenue of $100,000 or at least two years with a minimum annual revenue of $500,000. If you wish to compare one card over another, simply choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Charity Charge Nonprofit Business Card Is Best For Nonprofits in operation for five years: Nonprofit organizations in operation for at least five years, with annual revenue of $100,000 or more, are eligible for the Charity Charge Nonprofit Business Card. Note that organizations that are in operation for at least two years may also be eligible if they earn an annual revenue of at least $500,000. Nonprofits that can pay in full each month: Since this card is a charge card, you’ll need to pay your balance in full each month. Failure to do so will result in late payment fees. Nonprofits that don’t want to provide a personal guarantee: The card can be underwritten directly to the name of the organization without the need for a personal guarantee. It’s one of our best business cards with no personal guarantee. If this card isn’t the best fit for your business, go to our recommended alternatives below. Charity Charge Nonprofit Business Card Fees Annual Percentage Rate (APR) Introductory: None Ongoing: N/A—balance is due in full by the payment due date Cash advance: 19.90% variable, which adjusts with the prime rate Penalty: Not indicated—all charges are due and payable by the payment due date as shown on the periodic statement Specific Fees Annual: None Balance transfer: N/A Cash advance: 3% or $15, whichever is greater Foreign transaction: 2% of the transaction amount on purchases 1% on cash withdrawals and cash advances 1% service assessment fee for purchases, cash withdrawals, and cash advances made in United States dollars outside of the US and its territories Late payment: 2.5% of the amount past due Returned payment: Not indicated Overlimit: $29 How To Make Payments on the Charity Charge Nonprofit Business Card Online: Log in to your online account to make payments. By phone: You can call the Commerce Bank’s Commercial Cards Support Team to assist you with phone payments. Charity Charge Nonprofit Business Card Rewards Mastercard® Easy Savings: With the , you’ll earn automatic rebates from Mastercard®. When you use your Mastercard business card to pay for eligible purchases at any participating merchant, your rebates will be applied to your account automatically. You can view the full list of rebates from Mastercard® here. CHAMPS GPO: Enjoy 10% to 20% discounts on various spending categories, including office supplies, medical supplies, shipping, and transportation, when you use CHAMPS Group Purchasing to manage pricing with your preferred vendors. Charity Charge Nonprofit Business Card Additional Features Protection Coverage Extended warranty protection: Mastercard will double the existing manufacturer’s warranty up to $10,000 per incident and $50,000 per cardholder per year. Purchase assurance: This coverage replaces new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $10,000 per incident and $50,000 per cardholder per year. Zero liability and ID theft protection: You won’t be responsible for any unauthorized transactions in case your credit card is lost or stolen. The zero liability protection applies to purchases made in the store, over the telephone, online, or via a mobile device, and ATM transactions. Cash & Business Management Vendor discounts: You’ll receive exclusive discounts at more than 200 national vendors through Charity Charge’s partnership with CHAMPS. You can save on expenses such as office supplies, transportation, wireless, and more, and can enjoy up to 20% discounts with no enrollment fees and no purchasing minimum. No personal guarantee required: The can be underwritten directly to the nonprofit organization without a personal guarantee. This means that a personal credit check isn’t required. You’ll also not be personally liable for the company’s debt obligations. However, a personal guarantee could be required in certain circumstances. Easy savings through rebates: You can earn automatic rebates when you use this card on travel, gas, business services, and more at participating vendors. You don’t need to use codes and no redemption is required. Rebates will be posted to your account automatically. QuickBooks integration: You can have your transactions synced directly from your account to to save time and prevent errors due to manual entry. Charity Charge Nonprofit Business Card Alternatives U.S. Bank Triple Cash Rewards World EliteTM Mastercard is a great option if you need interest-free financing and access to balance transfer transactions Offers a 0% APR on both balance transfers and purchases for the first 15 months of card ownership Comes with no annual fee Lets you earn up to 3% cash back Is one of the leading business credit cards for nonprofits because of its long interest-free period Chase Ink Business Unlimited® card is best for businesses with no credit history Offers fixed-rate cash back of 1.5% for every dollar spent on any business purchase Comes with no annual fee and a 0% introductory APR for the first 12 months Is our top-recommended small business credit card because of its lucrative introductory bonus and straightforward rewards Capital One® Spark® Miles for Business is a great option if you prefer to earn travel rewards that can be redeemed for travel reservations, dining, and hotel stays Lets you earn 2x miles on all purchases, regardless of expense categories Comes with a low annual fee of $95, which is waived for the first year Has no foreign transaction fees, making it a good alternative if you travel frequently Is one of our best credit cards for nonprofits Bottom Line The is a business card that’s exclusive to the nonprofit community. You can enjoy features such as online card controls, dedicated customer care, discounts and rebates on everyday purchases, and Mastercard-specific benefits without having to pay an annual fee. Note that you need to pay your balance in full because this is a charge card and meet the minimum number of years in operation and required annual revenue to be eligible.

Banc of California Mastercard® Business Platinum Card is designed for business owners who need to pay other credit card debts. This non-rewards card comes with no annual fee, low ongoing annual percentage rate (APR), and a long 0% introductory APR period on purchases and balance transfers. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the Banc of California Mastercard® Business Platinum Card is Best For Those who need to carry a balance: It offers a low ongoing APR from 15.74% to 24.74% variable, which will adjust with the prime rate. Those looking to finance a large purchase or transfer a balance: It features a 0% introductory APR for the first 18 billing cycles on both purchases and balance transfers. Check out our recommended alternatives below if this card isn’t the best fit. Banc of California Mastercard® Business Platinum Card Fees APR Introductory APR on purchases: 0% for the first 18 billing cycles Introductory APR on balance transfers: 0% for the first 18 billing cycles for balances transferred within 558 days from account opening Ongoing APR on purchases and balance transfers: 15.74% to 24.74% variable, which will adjust with the prime rate Cash advance APR: 29.74% variable, which will adjust with the prime rate Penalty APR: 30.99% variable, which will adjust with the prime rate. The APR may be applied to your account if you: Pay the bill five calendar days late twice or 30 calendar days late once Make a payment that’s returned Exceed the credit limit twice in 12 consecutive months Penalty APR will apply until you make six consecutive minimum payments when due and don’t exceed your credit limit during that period. Fees Annual: $0 Balance transfer and convenience check cash advance: Either $5 or 3% of the amount transferred/advanced, whichever is higher Foreign transaction: Either 2% of each foreign transaction in United States dollars or 3% of each foreign transaction in a foreign currency Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 4% of the amount of each transaction, whichever is greater Overdraft protection: $10 Late payment: $19 on balances up to $100 $29 on balances from $100 to $250 $39 on balances of $250 or more Returned payment: $35 Overlimit: $39 Your due date is within 24 to 30 days after the close of each billing cycle. Banc of California Mastercard® Business Platinum Card Rewards doesn’t offer introductory or ongoing rewards. This is rare, even among credit cards that charge a low APR. The key benefit of using this credit card is that you get a competitive ongoing APR while enjoying a 0% introductory rate on purchases and balance transfers for the first 18 billing cycles. How To Make Payments on the Banc of California Mastercard® Business Platinum Card Online: Log in to your account at www.myaccountaccess.com Autopay: Schedule an automatic monthly withdrawal from a checking or savings account Phone: Call (866) 486-1017 Banc of California Mastercard® Business Platinum Card Features Management Benefits 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. Online reporting with spend analysis: The card comes with a free online tool that lets you review your credit card spending on a monthly, quarterly, annual, or year-to-date basis. You can even view your expenses by total spending, average ticket, or merchant and download an account summary with up to 36 months of data. Security Benefits 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 activity. Meanwhile, Zero fraud liability protects you from fraudulent use of your card or account information if your card is lost or stolen. You won’t be responsible for any unauthorized purchases. Mastercard SecureCodeTM: Mastercard offers private codes, an added layer of protection against unauthorized transactions on your card. Mastercard-specific Benefits MasterRental insurance coverage: Pays for physical damage and theft to most rental vehicles of up to $50,000. Note that you must pay for the rental transaction with this card and decline the collision/loss damage waiver and personal effects insurance offered by the rental agency. MasterRoad assist service: Offers 24-hour emergency roadside assistance. Mastercard global service: Provides worldwide 24-hour assistance on lost and stolen cards, emergency card replacement, and emergency cash advance. Mastercard value-added tax (VAT) reclaim service: Helps you reclaim the VAT paid on business services purchased in the European Union. Banc of California Mastercard® Business Platinum Card Alternatives American Express Blue Business CashTM is best for those wanting both cash back rewards and an interest-free financing period on both purchases and balance transfers Lets you earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically Offers 0% APR on purchases for the first 12 billing cycles Has no annual fees Is our best cash back business credit card and instant approval business credit card and one of our leading business credit cards with no annual fee and 0% APR business credit cards Banc of California Mastercard® Business Cash Preferred Card is a great alternative if you want cash back rewards from Banc of California, alongside an interest-free financing period Offers unlimited 3% cash back on eligible purchases at gas stations, cellphone service providers, office supply stores, and restaurants, including takeout and food delivery service purchases, and 1% cash back on all other eligible purchases Has a 0% introductory APR on both purchases and balance transfers on the first six billing cycles Doesn’t charge annual fees U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is ideal if you want cash back rewards alongside a long interest-free financing period Offers 5% cash back on prepaid hotels and car rentals directly booked in the Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other net purchases Comes with a 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles Has no annual fees Is one of our top-recommended 0% APR business credit cards Bottom Line is an excellent business credit card if you need to charge a large purchase or carry a balance as it offers an interest-free financing option on both purchases and balance transfers for the first 18 billing cycles. It also charges a low ongoing APR and lacks annual fees. However, it doesn’t offer any rewards.

State Farm® Business Cash Rewards Visa Signature® is a small business credit card from State Farm, a prominent insurance provider, in collaboration with U.S. Bank. It offers several cash back mechanisms for different purchases and no annual fee for those with good to excellent credit scores. If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison. Who the State Farm® Business Cash Rewards Visa Signature® Is Best For Those with an insurance policy with State Farm: The card is only available to State Farm insurance customers. Those who make purchases at gas stations, office supply stores, and restaurants: You can earn 3% cash back rewards from eligible purchases, including gas, office supplies, and restaurants. If this isn’t the card for you, then check out our recommended alternatives below. State Farm® Business Cash Rewards Visa Signature® Fees APR Introductory APR on purchases: 0% for the first 12 billing cycles Introductory APR on balance transfers: 0% for the first 12 billing cycles for balances transferred within 60 days from account opening Ongoing APR on purchases and balance transfers: 17.74% to 26.74%, variable depending on the prime rate Cash advance APR: 29.74%, variable depending on the prime rate Penalty APR: 30.99% variable, which will adjust with the prime rate; will apply to your account if you do one of the following: Make a payment five calendar days late twice or 30 calendar days once Make a returned payment Exceed your credit limit twice in 12 consecutive months Penalty APR will apply until you make six consecutive minimum payments when due and don’t exceed your credit limit during the period. Fees Annual: None Balance transfer and convenience check cash advance: Either $5 or 3% of the amount transferred/advanced, whichever is higher Foreign transaction: 3% of each foreign transaction Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 5% of the amount of each transaction, whichever is greater Overdraft protection: None Late payment, returned payment, and overlimit: $40 U.S. Bank ExtendPay®: A monthly fee of no more than 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan Your due date is within 24 to 30 days after the close of each billing cycle. State Farm® Business Cash Rewards Visa Signature® Rewards 3% cash back on State Farm insurance premium payments, up to $4,000 spent annually 3% cash back at gas stations, cellphone service providers, office supply stores, and restaurants, including takeout and food delivery service purchases 1% cash back on all other eligible purchases $100 credit to your State Farm Business Cash Rewards Account within two statement billing cycles after 11 consecutive months of eligible software service subscription purchases How To Make Payments in the State Farm® Business Cash Rewards Visa Signature® U.S. Bank mobile app: Download the iOS and Android apps Online: Log in to State Farm’s online website, click on “Pay Online,” and follow the prompts Phone: Call the Cardmember Service at (833) 728-0344 to set up a phone pay account Mail: Indicate your account number on your check, and send your payment to the following address: Cardmember Service PO Box 790408 St. Louis, MO 63179-0408 To avoid late fees, allow at least five to seven calendar days prior to the due date indicated on your monthly credit card statement. State Farm® Business Cash Rewards Visa Signature® Features Auto deductible reimbursement: Get reimbursed up to $200 of your auto policy deductible after experiencing a covered loss for as long as you made a minimum of eight net purchases in the past month. Cellphone protection: Your eligible cellphone can be reimbursed up to $600 should it be stolen or damaged after paying your monthly cellphone bills. Personal identity theft: This provides reimbursement for the covered expenses incurred to restore your identity. You can get up to a maximum of $5,000 as a result of a covered stolen identity event. Purchase security: New items purchased with this card can be protected against theft or damage for the first 90 days from the date of purchase. State Farm® Business Cash Rewards Visa Signature® Alternatives American Express Blue Business CashTM is best suited for those wanting a flexible credit limit Features Expanded Buying Power, allowing you to spend over your credit limit Offers 0% introductory APR on purchases for the first 12 billing cycles Lets you earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back thereafter Is our best cash back business credit card and our best business credit card for the self-employed U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is ideal if you want a longer interest-free financing period Comes with a 0% introductory APR on both purchases and balance transfers for the first 15 billing cycles Doesn’t charge annual fees Offers 5% cash back on prepaid hotels and car rentals directly booked in the Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants, and 1% cash back on all other net purchases Is one of our top-recommended 0% APR business credit cards Chase Ink Business Unlimited® is a great choice if you’re on a tight budget and want a fixed-rate rewards card Offers an interest-free financing option of 0% on purchases for the first 12 billing cycles Lacks annual fees Has unlimited 1.5% cash back on all business-related purchases Is our best small business credit card and leading credit card for new businesses with no credit history Bottom Line is a cash back small business credit card best for business owners with active insurance policies with State Farm. What makes it unique is, it offers 3% cash back on insurance premiums, with up to $4,000 spent annually—alongside 3% cash back at gas stations, cellphone service providers, office supply stores, and restaurants and 1% cash back on all other eligible purchases. However, it charges foreign transaction and balance transfer fees and lacks introductory rewards.