Credit Cards

Banc of California Mastercard® Business Cash Preferred Card is designed for business owners wanting to earn unlimited cash back rewards. This small business credit card allows you to redeem your cash back as a deposit to a qualifying PayPal account. It has no annual fee and comes with a low ongoing percentage rate (APR). 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 Is Banc of California Mastercard® Business Cash Preferred Card Best For? Those who want to earn cash back: It offers cash back rewards on everyday business purchases. Those who pay for software subscriptions: It offers a $100 annual software credit when you use it to pay for a subscription for 11 consecutive months. Those with Banc of California business savings or checking accounts: If you already do business with the bank, getting this card will save you time since you will manage all your bank accounts with just one provider. Check out our recommended alternatives below if this card doesn’t fit your business needs. Banc of California Mastercard® Business Cash Preferred 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, 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 Cash Preferred Card Rewards $25 cash back bonus after making your first purchase 3% cash back on eligible purchases at gas stations, cell phone 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 for subscriptions for 11 consecutive months You can redeem your cash back as a statement credit or rewards card, or you can deposit it to a qualifying account or PayPal. Each redemption requires a $25 minimum amount and must be redeemed in increments of $25. You can also enroll in Real-Time Rewards to redeem cash rewards for purchases made with your card. How To Make Payments on the Banc of California Mastercard® Business Cash Preferred Card Online: Log in to your account at www.myaccountaccess.com Auto Pay: Set up an automatic monthly withdrawal from a checking or savings account Phone: Call (866) 486-1017 Banc of California Mastercard® Business Cash Preferred Card Features Online reporting with spend analysis: This is a free online tool that lets you review credit card spending on a monthly, quarterly, annual, or year-to-date basis. You can 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 and notifying you of any unusual card activity. Meanwhile, Zero fraud liability protects you from fraudulent use of your card or account information if the card is lost or stolen. You won’t be responsible for any unauthorized purchases. MasterRental insurance coverage: This coverage pays up to $50,000 if an eligible rental vehicle is damaged or stolen. You must pay for the rental with this card and decline the collision/loss damage waiver and personal effects insurance offered by the rental agency. Mastercard global service and MasterRoad assist: Mastercard provides worldwide, 24-hour assistance with reporting a lost or stolen card, emergency card replacement, and emergency cash advance. It also provides 24/7 emergency roadside assistance, known as MasterRoad Assist. Management benefits: This includes 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. Banc of California Mastercard® Business Cash Preferred Card Alternatives American Express Blue Business CashTM is best for those wanting both cash back rewards and a long interest-free financing period Offers 0% APR on purchases for the first 12 billing cycles Doesn’t charge annual fees 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 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 Business Platinum Mastercard® is a great alternative for those wanting a longer interest-free financing option from the same bank Offers 0% APR on both purchases and balance transfers for the first 18 billing cycles Doesn’t offer rewards for new and existing cardholders Bank of America® Business Advantage Customized Cash Rewards is a good option if you want to earn cash back in the category of your choice Offers 0% APR on purchases for the first nine billing cycles Doesn’t charge annual fees Lets you earn 3% cash back on the category of your choice, 2% cash back on dining on the first $50,000 in your combined choice category and dining purchases each calendar year, and 1% cash back on all other purchases Is one of our leading cash back business credit cards, 0% APR business credit cards, and business credit cards with no annual fee Bottom Line is a great choice if you want to earn cash back rewards and pay for software subscriptions. It offers an interest-free financing option on both purchases and balance transfers for the first six billing cycles and doesn’t charge annual fees. You can earn 3% cash back on eligible purchases at selected establishments and 1% cash back on all other eligible purchases, but you’ll need to redeem earned cash back rewards within five years.

Bank of Oklahoma Visa® Business Real Rewards Credit Card is designed for business owners wanting to earn fixed-rate rewards without having to keep track of spending categories and those with existing business savings or checking accounts with Bank of Oklahoma. This small business credit card has no annual fee and comes with Visa-specific benefits like extended warranties, purchase protection, and travel 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 Bank of Oklahoma 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 business savings or checking accounts with Bank of Oklahoma: If you already do business with the provider, getting this card allows you to manage all of your transactions in one bank. Check out our recommended alternatives below if this card isn’t what you’re looking for. Bank of Oklahoma 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 of 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: Made a payment five calendar days late twice or 30 calendar days once Made a returned payment Exceeded 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, 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 24 to 30 days after the close of each billing cycle. Bank of Oklahoma 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 cash back on all other eligible purchases You can redeem your rewards as a cash deposit to a Bank of Oklahoma checking or savings account or as a statement credit to your credit card bill. Points earned will remain in your account for five years until the end of the quarter in which they were earned. When you redeem points, the earliest-earned points are used first. How To Make Payments on the Bank of Oklahoma Visa® Business Real Rewards Credit Card Online: Log in to your account at www.myaccountaccess.com. Auto Pay: You can set up an automatic monthly withdrawal from a Bank of Oklahoma checking or savings account to pay your credit card bill. Phone: Call (866) 552-8855. Bank of Oklahoma Visa® Business Real Rewards Credit Card Features 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 (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. Meanwhile, if your card is lost or stolen, Zero fraud liability protects you from fraudulent use of your card or account information, and you won’t be responsible for any unauthorized purchases. Extended warranty: This 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 included with your credit card. Purchase protection: Items purchased with this card are protected against damage and theft for 90 days. Check the terms and conditions detailed in the guide included with 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 rental to this card. 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: 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. You can also call to report a lost or stolen card and request emergency card replacement, medical and legal referrals, and transportation assistance. The cardholder will be responsible for any fees associated with these services. Bank of Oklahoma Visa® Business Real Rewards Credit Card Alternatives American Express Blue Business® Plus is a great alternative for those wanting to earn points with a flexible credit limit through Expanded Buying Power Offers 0% introductory APR on purchases for the first 12 billing cycles Doesn’t charge annual fees Lets you earn 2x points on the first $50,000 in purchases each year, then 1x point on all purchases thereafter Is one of our recommended high-limit business credit cards, business credit cards for the self-employed, and sole proprietorship business credit cards Wells Fargo Business Platinum Credit Card is best for those looking for flexibility on how they can earn rewards Lets you choose to earn either cash back (1.5% for every dollar spent) or points (1 point for every dollar spent) on qualifying purchases Offers a 0% introductory APR on purchases and balance transfers for the first nine billing cycles Doesn’t charge annual fees Is our best business credit card that doesn’t report to personal credit and one of our leading business credit cards for the self-employed and sole proprietorship business credit cards Bank of Oklahoma Visa® Business Cash Preferred is suited for those who have existing business savings or checking account with Bank of Oklahoma Offers a 0% introductory APR on purchases and balance transfers for the first six billing cycles Doesn’t charge annual fees Lets you earn 1% cash back on all eligible purchases Bottom Line is a great choice for those who want fixed-rate rewards on their business purchases, with no caps or limits on the points earned, and those with existing business savings or checking accounts with Bank of Oklahoma. Not only does it have an interest-free financing option on both purchases and balance transfers, but it also doesn’t charge annual fees. You can earn 1.5 points for every eligible dollar spent and receive bonus rewards points of 2,500 after your first purchase.

The Delta SkyMiles® Reserve Business American Express Card is designed for loyal Delta Air Lines flyers who want premium Delta travel perks, like complimentary access to The Centurion® Lounge and Delta Sky Club®. The ultimate Delta travel experience that you can get from this card justifies its high annual fee of $550—plus you can earn unlimited miles that don’t expire and enjoy zero foreign transaction fees. However, it doesn’t allow balance transfers. To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison. Who Delta SkyMiles® Reserve Business American Express Card Is Best For Business owners who primarily fly with Delta Air Lines: You can enjoy premium travel perks, such as free check-in baggage and complimentary access to airport lounges, when you use this card to book a flight with Delta. Business owners who can spend $150,000 in purchases annually: After you spend $150,000 on your card in a calendar year, you’ll earn 1.5x miles per dollar, which is an extra half-mile per dollar, on eligible purchases for the rest of the year. Business owners who don’t need to use the card for balance transfers: It doesn’t allow balance transfers, which may not be an issue if you don’t plan to transfer a balance from another credit card. If this isn’t what you’re looking for, head over to our recommended alternatives below for other options. Delta SkyMiles® Reserve Business American Express Card Fees APR Introductory APR: None Ongoing APR: 19.49% to 28.49% variable, which adjusts with the Prime rate Cash advance APR: 28.99% variable, which adjusts with the Prime rate Penalty APR*: 29.99% variable, which adjusts with the Prime rate; will be applied to your account if you meet at least one of the following conditions: Made two or more late payments within a 12-month period Didn’t pay the Minimum Payment due by the closing date of the billing period Made a returned payment *The Penalty APR will be applied for a minimum of 12 consecutive billing periods and will continue to apply until after you made timely payments with no returned payments for 12 consecutive billing periods. Fees Annual: $550 Balance transfer: Transfers aren’t allowed Foreign transaction: None Cash advance: $5 or 3%, whichever is higher Late payment: Up to $39 Overlimit fee: None Returned payment: $39 How To Make Payments on the Delta SkyMiles® Reserve Business American Express Card Online banking: You can pay your credit card bills from either the Amex website or its official Android or iOS app. Phone: Call (800) 472-9297, state your card information when prompted, and then follow the prompts. AutoPay: Log in to your online account and click “Payments,” located in the blue navigation bar, then choose “Manage AutoPay.” Mail: You can send your credit card bills via courier or express delivery mail to either address below. Ensure to include your account number on the front of your payment for easy reference. 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 Delta SkyMiles® Reserve Business American Express Card Rewards 60,000 bonus miles after spending $6,000 worth of purchases within the first three months of card membership 3x miles on every dollar spent on eligible purchases made directly with Delta 1.5x miles per dollar on eligible purchases for the rest of the calendar year after you spend $150,000 on your card within the same calendar year 1x mile on every eligible dollar spent on other purchases 15,000 Medallion Qualification Miles* (MQMs) with Status Boost® after spending $30,000 in purchases within a calendar year, up to four times per year Companion certificate for Domestic First Class, Delta Comfort+®, or Main Cabin round-trip each year upon card renewal *MQMs are used to determine Medallion Status and differ from the miles you earn toward flights. You can use miles toward flights, seat upgrades, car rentals, merchandise, and gift cards. You can redeem your miles by booking travel for Delta-operated and ticketed flights through the Delta SkyMiles online portal. You can opt to pay the remaining balance with your American Express business credit card if your miles aren’t enough. Delta SkyMiles® Reserve Business American Express Card Features Travel Delta Sky Club®Access: It offers complimentary Delta Sky Club® access to cardholders and a reduced rate of $39 per person for up to two guests. To access the airport lounge, you must have a same-day boarding pass for a Delta Air Lines flight and a boarding pass in your name. You’ll also receive two Delta Sky Club® one-time guest passes each year. Main Cabin 1 priority boarding and first free checked bag: Cardholders can enjoy early boarding on Delta flights when Main Cabin 1 priority boarding is called. On top of this, you can check your first bag for free and save up to $60 on a round-trip Delta flight. Global Entry or TSA PrePreCheck® Fee Credit: You’ll receive a statement credit of up to $100 for a five-year membership every four years for Global Entry or up to $85 every 4.5 years for TSA PreCheck®. Cash Management QuickBooks integration: You can save time with auto-expense categorization in QuickBooks after enrolling your card. Year-end summary: At the start of every year, you’ll have access to a Year-End Summary of charges to review your annual spending. Account manager: You can assign a trusted team member who can oversee your card account to free up time. Account Managers handle tasks such as making payments, reviewing transactions, and adding employee cards, giving you the time to focus on other priorities. Protection Coverage Trip delay insurance: You’ll be reimbursed for certain additional expenses purchased on your card―up to $500 per trip―if your trip is delayed for more than 6 hours. To be eligible, a round trip should be paid for entirely using your American Express credit card. This insurance only covers a maximum of two claims per cardholder within a 12-consecutive-month period. Trip cancellation and interruption insurance: The trip cancellation and interruption insurance will reimburse the nonrefundable travel expenses purchased using your American Express credit card if a round-trip is paid for entirely with your card and your trip is interrupted or canceled. Coverage is limited to $10,000 per trip and $20,000 per cardholder, per 12-consecutive-month period. Baggage insurance plan: A baggage insurance plan offers coverage of up to $500 for lost checked bags and up to $1,250 for lost carry-on bags. Car rental loss and damage insurance: The card offers car rental loss and damage insurance that covers the actual cost to repair the rental vehicle, its wholesale book value, or its purchase invoice price, whichever costs the least. You need to pay for the car rental using your American Express credit card and decline the collision damage waiver to be eligible. Purchase protection: Items purchased using this card are covered if they’re stolen or damaged within 90 days from the purchase date. Purchase protection covers up to $10,000 per incident and up to $50,000 per cardholder each year. Extended warranty protection: American Express will extend the warranty for one additional year on purchased items with warranties of five years or less. Cellphone protection: You can be reimbursed for the costs to repair or replace your damaged or stolen cellphone for a maximum of $800 per claim, with a limit of two approved claims per 12-month period, To be eligible, your cellphone line should be listed on a wireless bill, and the prior month's wireless bill should have been paid with your American Express credit card. Delta SkyMiles® Reserve Business American Express Card Alternatives Capital One® Spark® Miles for Business is a good alternative if you want a card with a low annual fee and fixed-rate rewards on all purchases Comes with an annual fee of $95 per year, waived on the first year Offers unlimited 2x miles on all spending, regardless of expense categories Allows you to transfer your miles to Capital One’s travel partners Is our top choice for both the best business credit cards for miles and best business credit cards for travel Chase Ink Business Preferred® is a great option if you travel frequently but don’t need travel perks like airport lounge access or free expedited airport security screening Has a low annual fee of $95 Offers 3x points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year, then 1x point per dollar on all other purchases Is one of our recommended business credit cards for travel and credit cards for real estate agents Delta SkyMiles® Platinum Business American Express Card is an excellent alternative if you frequently fly on Delta Air Lines but want a lower annual fee compared to the Delta SkyMiles® Reserve Business American Express Card Comes with an annual fee of $250 Allows you to transfer a balance from another card Is one of our best business credit cards for miles and leading business credit cards for travel Bottom Line The is an excellent choice for business owners who are Delta Air Lines frequent flyers and want to enjoy premium travel perks. Keep in mind that it comes with a high annual fee of $550 and doesn’t allow balance transfer transactions. If you prefer another credit card from American Express, check out our review of the best American Express credit cards.

Bank of Oklahoma Visa® Business Cash Preferred Credit Card is a basic cash back credit card that offers unlimited rewards without charging an annual fee. It’s designed for business owners who have existing business savings or checking accounts with Bank of Oklahoma. This small business credit card offers Visa-specific benefits, including extended warranty and purchase protection. 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 Bank of Oklahoma Visa® Business Cash Preferred Credit Card Is Best For Those who prefer to earn cash back: It offers 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants and 1% cash back on all other eligible purchases, with no caps or limits on the cash back you can earn. Those who pay for software subscriptions: You’ll receive a $100 annual software credit when you use this card to pay for a subscription for 11 consecutive months. Those with business savings or checking accounts with Bank of Oklahoma: 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. Bank of Oklahoma 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; applied to your account if you: Made payments five calendar days late twice or 30 calendar days late once; Made a returned payment, or; Exceeded your credit limit twice in 12 consecutive months Penalty APR will apply until you make six consecutive minimum payments 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, whichever is higher Foreign transaction: Either 2% of each foreign transaction in US 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. Bank of Oklahoma Visa® Business Cash Preferred Credit Card Rewards $25 cash back bonus after making your first purchase 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 $100 annual software credit after spending on subscriptions for 11 consecutive months You can redeem your cash rewards in the form of a statement credit, a deposit into your savings or checking account, or a rewards card. You need to redeem a minimum of $25, and redemption must be in increments of $25. You can also use your rewards when you check out with PayPal via Pay with Rewards. Note that rewards expire five years from the end of the quarter in which they’re earned. How To Make Payments on the Bank of Oklahoma Visa® Business Cash Preferred Credit Card Auto Pay: You can set up an automatic monthly withdrawal from your Bank of Oklahoma checking or savings account to pay your credit card bill. Phone: Call (866) 552-8855. Online: Log in to your account at www.myaccountaccess.com. Bank of Oklahoma Visa® Business Cash Preferred Credit Card Features 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. 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 & 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 included with your credit card. Purchase protection: Items purchased with this card are protected against damage and theft for 90 days. Check the terms and conditions detailed in the guide included with 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 car 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 & 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. You can 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. Bank of Oklahoma Visa® Business Cash Preferred Credit Card Alternatives American Express Blue Business CashTM is best for those who want better cash back rewards Offers a 0% introductory APR on purchases for the first 12 months Doesn’t charge annual fees 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 Is our best cash back business credit card Bank of Oklahoma Visa® Business Real Reward Credit Card is a viable alternative if you prefer fixed-rate rewards and have existing business savings and checking accounts with Bank of Oklahoma Offers a 0% introductory APR on purchases and balance transfers for the first six billing cycles Doesn’t charge annual fees Lets you earn 1% cash back on all eligible purchases U.S. Bank Triple Cash Rewards World Elite Mastercard® is a great choice for those who want 0% 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, cell phone service providers, and restaurants, and 1% cash back on all other net purchases Is one of our top-recommended 0% APR business credit cards Bottom Line is great if you want to earn cash back rewards on your business purchases and pay for software subscriptions. Not only does it offer an interest-free financing option on both purchases and balance transfers for the first six billing cycles, but it also lets you earn 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and restaurants and 1% cash back on all other eligible purchases.

The Wells Fargo Business Elite Signature Card® is an excellent option if you want to earn either cash back or points-based rewards. It’s best for companies with monthly expenses of $10,000 or more because it offers bonus points after reaching this threshold. It has additional features like spending controls, cash management tools, and online reporting tools. To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison. Who the Wells Fargo Business Elite Signature Card® Is Best For Businesses with annual sales of over $1 million: To be eligible for this credit card, your business must have annual sales/revenue of at least $1 million. Business owners that want fixed rewards for all purchases: The card offers fixed-rate rewards points or cash back on all business-related purchases, regardless of spending categories. Businesses spending $10,000 or more monthly: You’ll receive 5,000 bonus points when your company spends at least $10,000 in qualifying purchases within a month. See our recommended alternatives below if this card does not meet your business’s needs. Wells Fargo Business Elite Signature Card® Fees APR Introductory APR: None Ongoing APR on purchases and balance transfers: Prime rate plus 3.99% Cash advance APR: Prime rate plus 20.74% Fees Annual: $125, waived the first year Balance transfer: Varies per account Foreign transaction: None Cash advance: 4% or $10, whichever is greater Late charge: $25 for balances up to $100 $39 for balances from $100 to $5,000 $75 for balances of more than $5,000 Overlimit: 1.5% of the overlimit amount or a minimum of $39 but should not exceed $75 Returned payment: None Overdraft protection advance (for those with Wells Fargo deposit accounts): None Wire transfer/Quasi cash: 4% or $10, whichever is greater How To Make Payments on the Wells Fargo Business Elite Signature Card® Online: Send a transfer through Wells Fargo Business Online from either an active Wells Fargo Account or Business Bill Pay Phone: Call (800) 231-5511 to process your credit card payment Mail: Send your payment to the following address: Elite Card Payment Center PO Box 77066 Minneapolis, MN 55480-7766 Wells Fargo Business Elite Signature Card® Additional Features Travel Protection Travel accident insurance: You’re covered up to $250,000 per card. Trip cancelation/interruption, including weather: Get reimbursed for canceled and interrupted trips for up to $2,500 per ticket. Trip delay reimbursement: If trips are delayed, you can get reimbursed up to $300 per ticket. Lost luggage coverage: The cardholder can get up to $3,000 worth of reimbursement per trip. Travel and emergency assistance services: Wells Fargo offers a variety of emergency services to cardholders while traveling. These services include medical and legal referral assistance, ticket replacement, transportation assistance, lost luggage locator service, language translation assistance, and valuable document delivery arrangements. Auto rental insurance: You’ll receive protection and coverage for collision and theft when you rent a car. Purchase Protection Zero liability protection: You’ll be fully reimbursed for unauthorized purchases or ATM transactions made with this card, and those transactions will be reported promptly. Chip-enabled technology: All Wells Fargo cards come with chip technology to provide an added layer of security and protection. Alerts: Cardholders get timely business credit card alerts via email or text through Wells Fargo Business Online. There’s no need to sign up on the website to activate this service, which, of note, may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates will apply. Fraud monitoring: Wells Fargo proactively monitors your business accounts to prevent fraudulent use of your cards. Visa purchase security: This enables you to replace or repair eligible purchases or to receive reimbursements for any lost, stolen, or accidentally damaged items. Visa extended warranty protection: This lets you extend manufacturer warranties of up to an additional year on items you purchased. Cash Management Business Elite Online Reporting®: This is an exclusive service for Wells Fargo Business Elite Signature Card owners to help monitor financial transaction patterns and analyze business spending. Cash management tools: These let you manage spending, payments, and transfers online. They also allow you to pay your bills automatically and avoid overdrafts. Pros & Cons of the Wells Fargo Business Elite Signature Card® Wells Fargo Business Elite Signature Card® Alternatives Capital One® Spark Miles® for Business is a great option if you need a travel credit card with a low annual fee of $95, which is waived for the first year Offers unlimited 2x miles on every business-related purchase, which is slightly higher than the rewards offered by the Wells Fargo Business Elite Signature Card® Is our best business credit card for miles and one of our leading credit cards for nonprofits American Express Business Platinum Card® may be a better option if you travel frequently Provides travel perks and premium rewards points on travel and hotel bookings Offers over $1,000 in statement credits for qualifying purchases, including purchases with Dell, Indeed, Adobe, and wireless telephone services Is our best business credit card with airport lounge access and one of our top-recommended business credit card for miles and high-limit business credit cards Chase Ink Business Cash® is a good alternative for office-based businesses Offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year Comes with 0% introductory APR on purchases for the first 12 months after opening an account Has no annual fee Is our best credit card for nonprofits and one of our leading fuel cards for small businesses and sole proprietorship business credit cards Bottom Line The  is best for business owners wanting to earn fixed-rate cash back or point-based rewards for all business-related purchases. It offers up to 200 free additional employee cards and other business perks. It’s important to note that your business needs to earn more than $1 million per year and you must have excellent credit to qualify.

The American Express Blue Business CashTM Card is best for business owners needing to spend beyond their credit limit. It features expanded buying power, which is an adjustable credit limit based on your usage, payment history, credit record, and financial resources. Plus, you can earn cash back rewards on all business-related purchases regardless of spending categories, without having to pay an annual fee. To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison. Who the American Express Blue Business Cash™ Card Is Best For Business owners who want better cash back rewards: It offers 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% after that. It’s our top pick for the best cash back business credit cards. Business owners who don’t want to monitor spending categories: You can earn fixed-rate rewards for all eligible purchases, regardless of categories. Business owners who might exceed their credit limit: You can spend above your credit limit with its expanded buying power feature. Your buying power adjusts with your use of the card, your payment history, your credit record, financial resources, and other factors. If this card doesn’t meet your needs, see our recommended alternatives below. American Express Blue Business Cash™ Card Fees APR Introductory: 0% on purchases for the first 12 months Ongoing: 16.99% to 24.99% variable, which adjusts with the Prime Rate Penalty: 29.99% variable, which adjusts with the Prime Rate; applies to your account if you Make late payments twice in a 12-month period Fail to pay the minimum payment by the closing date when it’s due Make a returned payment Fees Annual: None Balance transfer: Either $5 or 3% of the amount transferred, whichever is greater Foreign transaction: 2.7% of each transaction after conversion to United States dollars Cash advance: Cash advances aren’t allowed Late payment: Up to $39 Overlimit: None Returned payment: $39 How To Make Payments on the American Express Blue Business Cash™ Amex mobile app: Download the Amex iOS or Android App to pay your bills on the go, anytime. Direct bank payment: Pay bills through direct payment automatically. Provide your bank account details to American Express and indicate the amount you’d like to pay every month. AutoPay: Set up AutoPay through your American Express online account. However, your first AutoPay payment may not be applied to your current billing cycle, so you need to make your usual payments until it begins. Online: Make a payment through your American Express online account anytime by choosing your payment account and selecting your bank account and payment date. Note that credit cards and debit cards cannot be accepted as a form of payment. Via mail: Mail your payment either by check or money order made payable to American Express. 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 American Express Blue Business Cash™ Card Rewards $250 statement credit after spending $3,000 in qualifying purchases within the first three months after opening an account 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back thereafter; rewards are credited automatically to your billing statement American Express Blue Business Cash™ Card Additional Features Cash Management Expanded buying power: This allows you to spend over your credit limit. The amount you can spend will depend on your card usage, payment history, credit score, and financial resources. QuickBooks Integration: Your financial transactions are tagged with your QuickBooks categories automatically. Year-end summary: You’ll have access to a complete summary of your spending, which is categorized by month and purchase type, at the end of each year. This will help you keep track of your business expenses. Travel Car rental loss and damage insurance: When you rent a car using this card, you’re covered with car rental loss and damage insurance. To be eligible, decline the collision damage waiver offered by the rental company. Global Assist® hotline: This 24/7 hotline provides access to medical, legal, financial, and other emergency services when you’re traveling farther than 100 miles from home. Note that this is a concierge service only—any fees charged by third-party service providers will be charged to card owners. Protection Coverage Purchase protection: The card offers coverage against theft and damage on new purchases for up to 90 days from the purchase date. This coverage is limited to $1,000 per occurrence and $50,000 per calendar year. Extended warranty protection: Extended warranty for one additional year is provided for purchases with original manufacturer’s warranties of up to five years or fewer. To be eligible, the items must be purchased in either the United States or its territories or possessions using your American Express credit card. Pros & Cons of the American Express Blue Business Cash™ American Express Blue Business Cash™ Card Alternatives Chase Ink Business Unlimited® is ideal for businesses wanting unlimited rewards without having to track spending categories Offers 1.5% cash back for every dollar spent on any business purchase with no cap Charges no annual fee Comes with 0% APR for the first 12 months Is our top-recommended small business credit card and one of our best business credit cards with no annual fees Capital One® Spark® Cash Select for Good Credit is best for business owners who have good credit and want to get unlimited cash back rewards Comes with 1.5% fixed rate cash back on any business purchase with no limits Offers an introductory APR of 0% for the first 12 months Has no annual, foreign transaction, and balance transfer fees Is one of our leading business credit cards for consultants and self-employed individuals PNC Cash Rewards® Visa Signature® Business Credit Card is a great option if you need to carry a balance Comes with a 0% introductory APR for nine billing cycles and one of the lowest starting regular APRs at 13.99% Offers unlimited 1.5% cash back on all eligible net purchases Lets you earn a signup bonus of $400 after spending $3,000 worth of qualifying purchases within the first three months of account opening Is one of our top credit cards that don’t report to consumer credit bureaus; transactions made on this card won’t affect your personal credit Bottom Line Our review determines that this card is best for business owners wanting to earn fixed-rate cash back rewards on all purchases with no annual fee. It’s also a great option for those who need flexible buying power. Keep in mind that the premium cash back of 2% is only applicable to the first $50,000 purchases per year.

Associated Bank Visa® Business Cash Preferred Credit Card is designed for business owners wanting to earn cash back rewards. This small business credit card comes with a zero annual fee and a low ongoing annual percentage rate (APR). It also offers bonus rewards and Visa benefits such as an extended warranty, purchase protection, travel services, 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 Associated Bank Visa® Business Cash Preferred Credit Card Is Best For Those who pay for software subscriptions: You’ll earn a $100 annual software credit after paying for a subscription for 11 consecutive months. Those who are on the road frequently: You can earn 3% cash back on eligible purchases at electric vehicle charging and gas stations. If this card doesn’t fit your business needs, see our recommended alternatives below. Associated Bank Visa® Business Cash Preferred Credit Card Fees APR Introductory APR for purchases: 0% for the first six billing cycles after opening an account Introductory APR for 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: 16.99% to 25.99% 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. This will be applied to your account if you do one of the following three things: Make payments five calendar days late twice or 30 calendar days late 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 not exceed your credit limit. Fees Annual: $0 Balance transfer: Either $5 or 3% of the amount transferred, 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 equivalent advance, and cash advance ATM: Either $10 or 4% of the amount of each transaction, whichever is greater Late payment: $19 on balances up to $100 $29 on balances from $100 up 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. Associated Bank 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, cell phone service providers, office supply stores, and dining (takeout and food delivery service providers) Unlimited 1% cash back on all other eligible purchases $100 annual software credit after spending on subscriptions for 11 consecutive months You can choose to redeem your cash back as a statement credit, a deposit into another account, or a rewards card. The redemption amount should be at least $25 and must be in increments of $25. You can also enroll in Real-Time Rewards to redeem cash rewards for purchases made with your card easily.  You have five years to redeem cash back before it expires. How To Make Payments on the Associated Bank Visa® Business Cash Preferred Credit Card Online: Log in to your account at www.myaccountaccess.com to make an online payment. Auto Pay: Set up an automatic monthly withdrawal from a checking or savings account to pay your credit card bill. Phone: Call (866) 552-8855 to make your payment. Associated Bank Visa® Business Cash Preferred Credit Card Features Online reporting: This free online tool, which features Spend Analysis, can help you review credit card spending on a monthly, quarterly, annual, or YTD basis. You can view your expenses by total spending, average ticket, or merchant. An annual account summary of up to 36 months of data is available for download. Fraud protection: Associated Bank notifies you of any unusual card activity and 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. You won’t be responsible for any unauthorized purchases. Auto rental collision damage waiver: You’re eligible for auto rental collision damage insurance when you charge your entire car rental to this card. You can decline the rental company’s collision damage waiver option and receive coverage for damage to the vehicle due to collision or theft. Extended warranty & purchase protection: This doubles the manufacturer’s warranty on purchases made with your card. Purchase protection offers coverage on your new purchases for 90 days against damage and theft. Travel & emergency assistance: Visa offers a 24-hour Visa Assistance Center. Call (800) VISA-911 to report a lost or stolen card, request an emergency card replacement, and get transportation assistance, and receive medical and legal referrals. Associated Bank Visa® Business Cash Preferred Credit Card Alternatives Bank of America® Business Advantage Customized Cash Rewards provides 3% cash back in a spending category of your choice (such gas stations, office supply stores, travel, TV or telecommunication services, computer services, and business consulting services) Offers 0% APR on purchases for the first nine billing cycles Has no annual fees Offers 2% cash back on dining on the first $50,000 in your combined choice category and dining purchases each calendar year, and 1% cash back on all other purchases Is in our list of the best 0% APR business credit cards Discover it® Cash Back provides double cash back on the first year’s purchases Offers 0% APR on both purchases and balance transfers for the first 15 billing cycles Doesn’t charge annual fees Has 5% cash back in rotating categories for each quarter and 1% cash back on all other purchases Is one of our best business credit cards for the self-employed U.S. Bank Triple Cash Rewards World Elite Mastercard® is ideal for those wanting interest-free financing on purchases and balance transfers for the first 15 billing cycles Offers 0% APR on purchases and balance transfers for the first 15 billing cycles Lacks annual fees Offers 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle charging stations, office supply stores, cell phone service providers, and restaurants, and 1% cash back on all other net purchases Is in our roundup of the best 0% APR business credit cards Bottom Line is a good option if you have software subscriptions and travel frequently. You can earn unlimited 3% cash back on eligible purchases at gas stations, cell phone service providers, office supply stores, and dining (takeout and food delivery service providers) and unlimited 1% cash back on all other eligible purchases. Note that its interest-free financing period is short compared to other business credit cards and that you’ll need to redeem earned rewards within five years.

The Bank of the West Business Rewards Mastercard® is best for business owners wanting to earn unlimited, fixed-rate rewards on all eligible purchases without having to monitor expense categories. It offers 2x points per dollar, which can be redeemed for office supplies, travel, gift cards, cash, and more. Plus, it has no annual fee and comes with exclusive savings through the Mastercard Easy Savings® Program. To see how this card stacks up against others we have reviewed on our site, click Add to Compare on the card below and select up to two additional cards for comparison. Who the Bank of the West Business Rewards Mastercard® Is Best For Business owners who prefer to earn fixed-rate rewards: It lets you earn unlimited, fixed-rate rewards on all purchases, regardless of spending categories. Plus, the points acquired don’t have an expiration date and an annual cap. Business owners based in the Western part of the country: Bank of the West is only available to businesses in the following states: Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming. If this card isn’t what your small business needs, check out our recommended alternatives below. Bank of the West Business Rewards Mastercard® Fees APR Introductory APR: 0% APR for the first nine months after account opening Regular APR on purchases and balance transfers: Prime rate plus 10.74% Cash advance APR: 25.99% variable, which adjusts with the prime rate Penalty APR and when it Applies: None Minimum interest charge: $1 Fees Annual: $0 Balance transfer: Either $10 or 4% of the amount of each transfer, whichever is greater Cash advance: Either $10 or 4% of the amount of each transfer, whichever is greater Foreign transaction: 3% of the United States dollar amount of every transaction Late payment: Up to $41 Returned payment: Up to $41 How To Make Payments On the Bank of the West Business Rewards Mastercard® Bill pay: Set up one-time, recurring, or expedited payments with Bill Pay. Log into your Online Banking account and select “Bill Pay” to begin. Online: Log into your account, choose the credit card listed under Banking Overview, and then click the “Pay Now” link. Mail: Send your credit card payments to this address: Bank of the West PO Box 4021 Alameda, CA 94501-0421 Bank of the West Business Rewards Mastercard® Rewards 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 Up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program® You can redeem your points for cash, travel, office supplies, gift cards, and merchandise. There’s no limit to the number of points you can earn, and your rewards don’t expire as long as your account remains active and in good standing. Bank of the West Business Rewards Mastercard® Additional Features Accounting system integration: With a QuickBooks and Quicken integration, you can track your expenses and stay on top of your finances easily. Zero liability protection: You’re protected against fraudulent activities for purchases made in-store, over the phone, and via a mobile device. This protection also includes ATM transactions. Automatic alerts: You can activate automatic alerts so that you can stay up-to-date on the limits you have set on your balances, purchases, and other account activities. Mastercard ID theft protection: This provides access to several identity theft resolution services. Call (800) 307-7309 if you believe you have been a victim of Identity Theft. Pros & Cons of the Bank of the West Business Rewards Mastercard® Bank of the West Business Rewards Mastercard® Alternatives American Express Blue Business CashTM is best for those needing to exceed their credit limit Offers an expanded buying feature, allowing cardholders to adjust their buying power based on their payment history, credit record, financial resources, and other factors Comes with no annual fee and 0% APR for the first 12 months Is our top-recommended cash back business credit card PNC Cash Rewards® Visa Signature® is an ideal choice for those who’ll need to carry a balance on their card month after month Offers of a $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles Has a low ongoing APR ranging from 13.99% to 22.99% Comes with no annual fee Lets you earn 1.5% cash back on all eligible purchases, with no caps or limit Is one of our leading business cards for limited liability companies (LLCs) Chase Ink Business Unlimited® is ideal for those with other Chase credit cards Lets you transfer rewards from your Ink Business Unlimited® credit card to another Chase personal or business credit card within the Offers 0% APR for the first 12 months after account opening Is our best small business credit card and the top credit card for new businesses with no credit history Bottom Line The is ideal for businesses based in the Western part of the US. It also offers a lucrative rewards and rebate program, an introductory 0% APR for the first nine months after the account opening, and a generous sign-up bonus. Keep in mind that this card is available in limited locations, so businesses located in other parts of the US where there’s no Bank of the West branch should consider other card options.