10 small business credit cards for new businesses

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Why are some credit cards good choices for new businesses?

We looked at the options and picked cards with perks like 0% APR for a year – when you’re free from interest payments, it gives you increased purchasing power.

We also offer card choices with good cash back rates and/or points or statement credits that you can earn shortly after account opening.

Can you get a business credit card to start a business?

You should not use a personal card for business expenses. But it’s your good personal credit score that shows up on a personal credit check that opens the door to business credit card approval.

Even if you have a bad personal credit history, a credit card issuer will approve your business credit card if you provide a personal guarantee in the form of a deposit. If you have a good or excellent credit score, proving your financial resources, you will be approved for small business credit cards.

10 Best Business Credit Cards for Startups

You’ll find more details about each business credit card we’ve chosen. In the lists and descriptions that follow, we have noted the main features that a business owner can appreciate.

So if you are wondering why should I get a business credit card, here are some reasons. By using a card for everyday business purchases and having a good payment history, you will increase your business credit. When you build business credit, you build your credit report. This will improve your chances of being approved for business loans in the future and will also increase the credit limit on your card.

If you’re still wondering what business credit cards are, make sure you know what they are and what they can do for your business before applying.

Here are our top picks for a small business credit card:

1. American Express Blue Business Cash credit card

You’ll earn 2% cash back on combined business purchases up to $50,000. There are free employee cards with the Blue Business Cash Card from American Express, and you put a preset spending limit on those cards. All eligible purchases – yours and those of employees – count towards the $50,000.

  • Offers for startups: You’ll get a $500 credit after spending $5,000 (and paying for qualifying purchases) within the first 3 months of account opening.
  • Annual fees: $0
  • Introductory APR: 0% for 12 months, then 13.24 to 19.24% after the account’s anniversary year.

2. American Express Blue Business Platinum Card

You will get 150,000 reward points after spending $15,000 in the first 3 months with The Business Platinum Card from American Express. The Platinum Card from American Express has no annual fee.

Compare this to the American Express Gold Business Card, which gives you 80,000 reward points after spending 10,000 in the first 3 months. The American Express Business Gold card has an annual fee (exchange rewards payable) of $295.

Or the American Express Blue Business Plus credit card (maybe a better fit. Blue Business Plus credit cards generate 15,000 reward points after spending $3,000 in the first 3 months and double points annually on the first $50,000 spent.

  • Offers for startups: Reward points tied to spending your first three months.
  • Annual fees: $0
  • Introductory APR: 0% for 12 months then 14.24 to 22.24% (like Gold)

3. Pursuit Unlimited Ink Business Credit Card

You’ll get 1.5% cash back on qualifying purchases for your business with the Ink Business Unlimited Credit Card: Cash Back | hunt. The dollar amount of spend is unlimited to qualify for cash back; other business credit cards may set cash back limits. With your card membership, you will become eligible for the Chase Ultimate Rewards program.

  • Offers for startups: You will get $750 cash back after spending $7,500 in 3 months. You can earn the $750 again by spending $7,500 over the next 3 months.
  • Annual fees: $0
  • Introductory APR: 0% for 12 months, then 13.24 to 19.24% (based on creditworthiness determined by one-time payments).

4. Cash Credit for Chase Ink Businesses

the Chase Ink Business Money Credit gives you the same $7,500 spend, get $750 credit as Chase Business Unlimited. It also offers a whopping 5% off $25,000 in combined purchases from office supply stores, cordless phone purchases, phone services, and internet/cable costs. Small business owners who spend a lot on office supplies say this is one of the best business credit cards.

If you like bonus rewards, check out the Chase Ink Business Preferred Credit Card. Favorite Ink Business Credit Card gives 100,000 bonus points after spending $15,000 in top business categories in the first 3 months.

  • Offers for startups: spend $7,500, get $750 back, twice.
  • Annual fees: $0
  • Introductory APR: 0 for 12 months, then 13.24 to 19.24%

5. Capital One Spark Cash Plus

You will get an unlimited 2% discount on all selected business categories with the Capital one card. To qualify for this card, your personal credit ratings and credit history must be excellent. If your credit history isn’t up to snuff, take a look at the Capital One Spark Classic for Business.

  • Offers for startups: $1,000 account opening bonus.
  • Annual fees: $150
  • Introductory APR: Your balance must be paid in full monthly

6. Amazon Business Prime Credit Card

the Amazon business credit card offers generous cash back on all purchases on Amazon. For startups, outfitting a business, you can do all your shopping on Amazon and enjoy free shipping.

  • Offers for startups: 5% cash back on all Amazon purchases, plus 2% cash back at restaurants.
  • Annual fees: $0
  • Introductory APR: 14.24 to 22.24%

7. Check out the computer credit card

the Discover it The card also offers 5% cash back on all Amazon purchases and offers generous cash back on gas purchases.

  • Offers for startups: 5% cash back on Amazon, plus 5% cash back on gas purchases. When you pay online through the Pay Pal portal, you can earn 5% on other purchases when you choose to pay with the Discover card.
  • Annual fees: $0
  • Introductory APR: 11.99 to 22.99%

8.US Bank Triple Cash Rewards World Elite Master Card

With this card, there are no foreign transaction fees. the U.S. Bank Triple Cash Rewards World Elite Card has other offers, see below:

  • Offers for startups: $500 cash back if you spend $4,500 in 150 days. 3% cash back on gas and electric vehicle purchases. 3% cash back on combined purchases from office stores, restaurants and sales phones.
  • Annual fees: $0
  • Introductory APR: 0% for 15 months, then 13.99 to 22.99%

9. At Sam’s

the sam’s club The credit card is a good choice for startups because of its generous cash back options. You will need a Sams Club membership to get the card.

  • Offers for startups: 5% cash back on gas purchases. 3% cash back on purchases at Sams Club.
  • Annual fees: $0
  • Introductory APR: 15.65 to 23.65%

10. SVB Innovators Card

the SVB Innovators Card is specifically for startups and entrepreneurs.

  • Offers for startups: You will earn 2 points for every dollar spent, and the points can be used for statement credit.
  • Annual fees: $0
  • Introductory APR: The card balance must be paid in full monthly.

What is the best credit card for a new business?

Difficult to choose. But our choice is Discover it card. You can get 5% back on all purchases and it’s hard to beat.

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