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Business Credit Card Offers

Business credit cards are ideal for helping business owners keep track of expenses. If you are not using one of these cards to track your costs yet, you are missing out on some great benefits. As a business owner, you know how important it is to know how your money is being spent. A good line of credit is vital to maintain and expand your venture. Not to mention the benefits and rewards you can receive by using a business credit card.
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Capital One® Spark® Cash for Business Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.49% (Variable)

FEES:

Annual Fee: $0 intro for first year; $59 after that
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.49% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Application Processing Fee: See terms

Capital One® Spark® Cash for Business Credit Recommended: Excellent, Good

Card details:

Earning unlimited 2% cash back could mean thousands of dollars each year going back into your businessPlus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approvalUse Spark Cash across all your business spend, with no categories to limit your purchasing Show More
$0 intro annual fee for the first year; $59 after thatRewards don't expire, and you can redeem your cash back for any amount, anytimeGet employee cards at no additional cost, and earn rewards from their business spend
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Click apply button to get redirected to the bank’s secure application page

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Capital One® Spark® Miles for Business Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.49% (Variable)

FEES:

Annual Fee: $0 intro for first year; $59 after that
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.49% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Application Processing Fee: See terms

Capital One® Spark® Miles for Business Credit Recommended: Excellent, Good

Card details:

Earn 2 miles per $1 on every purchase, every dayPlus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approvalMiles don't expire, and there are no categories to limit where or what you buy Show More
$0 intro annual fee for the first year; $59 after thatThere's no limit to the amount of miles you can earn and miles don't expireRedeem miles for travel, cash back, gift cards and moreNo foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
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Click apply button to get redirected to the bank’s secure application page

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Capital One® Spark® Miles Select for Business Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.49% - 21.49% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.49% - 21.49% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Spark® Miles Select for Business Credit Recommended: Excellent, Good

Card details:

Earn 1.5 miles per $1 on every purchase, every dayPlus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months of approvalMiles don't expire, and there are no categories to limit where or what you buy Show More
Save on interest with 0% intro APR on purchases for 9 months; 13.49%-21.49% variable APR after thatPay no annual fee or foreign transaction feesGet online Quarterly and Year-End SummariesThere's no limit to the amount of miles you can earn and miles don't expireFly on any airline, anytime, with no blackout dates or seat restrictions
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Capital One® Spark® Cash Select for Business Credit Recommended: Excellent, Good

PURCHASES:

Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.49% - 21.49% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% on purchases for 9 months
Regular APR: 13.49% - 21.49% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Spark® Cash Select for Business Credit Recommended: Excellent, Good

Card details:

Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your businessPlus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approvalSave on interest with 0% intro APR on purchases for 9 months; 13.49%-21.49% variable APR after that Show More
No annual feeUse Spark Cash Select across all your business spend, with no categories to limit your purchasingRewards don't expire, and you can redeem your cash back for any amount, anytimeGet employee cards at no additional cost, and earn rewards from their business spend
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Capital One® Spark® Classic for Business Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.49% (Variable)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 23.49% (Variable)
Annual Fee: $0
Application Processing Fee: See terms

Capital One® Spark® Classic for Business Credit Recommended: Average, Fair, Limited

Card details:

Enjoy no annual feeEarn 1% cash back on every purchase, every dayBuild business credit with responsible use Show More
Fraud coverage if your card is ever lost or stolenNo foreign transaction feesEnjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
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How much you can save for your business?

Business credit card offers can provide the consistent access to capital that your small business needs. A credit card for business will allow you to float and amortize major purchases, track spending by employees, and consolidate your expenditures for easier accounting. Additionally, banks now offer impressive rewards to business owners who open an credit card account for their business.

Also, most business card issuers are now offering special online tools specifically designed to help businesses. These tools can help manage your card and keep tabs on your financial standing. What is great about cards for business is that there are many designed for the small businesses, as well as the large business, and everywhere in between. The key is to find the one that works best for you.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

What is the best business credit card for me?

There is no definite answer to this question because businesses are all different as well as business credit cards. We recommend you to think about what you want to get from a credit card. Think about the needs and requirements of your business. It will help you to sift credit card offers that are not essential to your business. Take into account your business needs and your credit score when you choose a business credit card and you will find the best credit card for your business.

Are there any specific requirements for getting a business credit card?

The main requirement is you should have a business to get a business credit card. You won’t be able to have a business credit card if you are a consumer and do not have any business. You will need to provide legal business name, business address, type of business, tax identification number, business revenue and some other information. So make sure you have all this information handy when you apply.

I have my own business and want to know how to establish business credit.

You can establish business credit with the help of a business credit card. Business credit cards are reported to the business credit bureaus allowing you to build a separate business credit score that won’t affect your own credit. However, if you have never had a business credit card, the credit card issuer will need your personal credit score and credit history to see how you manage credit accounts and to make an approval decision.

How to apply for business credit card?

When you have your own business and decide to apply for a business credit card start with choosing a credit card which is good for your credit score. When the card is chosen, make sure you have your personal information and your business information handy. You may need to provide your SSN, legal business name, business address, type of business, tax identification number, business revenue and some other information to complete the application. Make sure you reviewed and understood all credit card terms. If you do not understand something, we recommend you to contact the credit card issuer to clarify it.