Business Credit Cards and Small Business Credit Cards

Business credit cards are ideal for separating your business and personal lines of credit, and rewards for business purchases can add up quickly. Interest rates and fees vary widely, so shop carefully.

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Easily compare cards and find one for you. Choose the options you want and then sort and review your cards by rewards, APR, annual fee, credit score, and more. Want to learn more about credit cards? Get helpful tips & advice from our experts.

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tips & advice

Business Credit Cards

Business credit cards are an effective way for small business owners to facilitate their operations, track business expenses, and build strong relationships with lenders and business partners.

Business credit cards with travel rewards make sense for those who spend a great deal of time away from the office. Many cards offer frequent flier miles or rewards points for concierge services, hotels and gas. A number of business credit cards also offer cash-back rewards and discounts at preferred retailers.

In general, business credit cards tend to carry higher APRs than traditional credit cards, so if you think you will carry a balance, make sure you choose a credit card with a reasonable rate. Additionally, maintaining a strong credit score for your business is important, especially if you plan to secure additional financing down the road.

Given the sheer number of options out there, picking a credit card can seem like an incredibly daunting task. There are so many different types of credit cards, geared to different types of consumers, knowing where the decision making process can be a real challenge. The truth is that if you keep a few important principles in mind, choosing a credit card doesn't have to be stressful ... nor does it have to be a crapshoot. So let's get started.

Know Your Credit Score Before You Apply for a
Credit Card **

Knowing your credit score before you apply for a credit card is important, because particular credit cards are developed for consumers who fall within a particular credit score range. Here are the five generally accepted credit score ranges.

  • Excellent Credit (750+)
  • Good Credit (700-749)
  • Fair Credit (650-699)
  • Poor Credit (600-649)
  • Bad Credit (below 599)

What this means is that someone with a credit score of 640 shouldn't be applying for credit cards meant for people with excellent credit, because he or she will likely be denied, and if you apply for too many credit cards at the same time, your credit score could suffer. Back to top.

How to Compare Credit Cards

In order to effectively compare credit cards you'll want to use a tool, like the credit card comparison tool on Credit.com, but you'll also need to know what to look for. There are a couple of key indicators.

  • APR - This stands for Annual Percentage Rate and it represents how much you'll be charged for carrying a balance on your credit card. If you carry a balance of $100 for a year, and your interest rate is 10%, then you'll be charged $10. These rates vary based on your credit score. The better your score, the lower your rate is likely to be.
  • Fees - Credit cards may have a number of types of fees associated with them. Annual fees, late fees, over-limit fees and loyalty fees are just a few. You'll want to make sure you understand which fees, if any, apply
  • Rewards - There are lots of kinds of rewards credit cards available - cash-back rewards, mileage rewards, travel rewards and more. It's important to play close attention to the terms of the rewards programs, so you can compare them accurately.

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Tips to Consider When Applying for Credit Cards

If you're not sure what your credit looks like, and, as a result, what kind of credit cards you should be applying, you can use Credit.com's free Credit Report Card for an easy-to-understand breakdown of your credit history, along with your free credit scores. If you see something that doesn't seem quite right, you are entitled to a free copy of each of your three credit reports once a year, and you can check them for inaccuracies, and ask the credit bureaus to correct them. Back to top.

*For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.

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