Find the best card offers for your business and apply today. Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. United℠ Business CardWhy this is one of the best business credit cards: Frequent flyers can earn 2 miles per dollar on United Airlines and for restaurant, gas station, office supply store, local transit and commuting purchases; all other purchases earn 1 mile per dollar. … Most business cards also offer snazzy management reports that help you organize your business, track costs and simplify tax reporting. Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year. Personal credit cards are usually much easier for owners of small and newly established businesses to qualify for, but the issuers don't report to the business credit bureaus. But if you exhibit responsible credit behavior, having your personal credit separate from your business credit has advantages. Like most other business credit scores, the PAYDEX score ranges from zero to 100, which Dun & Bradstreet characterizes as the following: Significant to high risk of missed credit payments or default, Risk of late or missed payments on debts is moderate, Good to excellent business credit and payment history and outlook; risk of future late payments or defaults low. Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. Rewards and discounts cater to business owners, such as discounts on FedEx shipping or office supplies. The best business credit cards have rewards, sign-up bonuses and generous benefits. But these periods are often short. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors. Earn 1 Mile on every eligible dollar spent on purchases. In the latter case, your personal credit doesn't benefit from excellent credit behavior, but you might get penalized for irresponsible credit habits, such as defaulting on your account. Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. As long as you were a cardmember as of Nov. 1, 2020, you can earn up to $250 in cash back bonuses (in the form of statement credits) with the Blue Business® Plus Credit Card from … Storing records of verified purchases your business has made is simple. American Express Blue Business Cash™ CardWhy this is one of the best business credit cards: This card, which charges no annual fee, could appeal to business owners who want a simple way to earn and redeem cash rewards. This is the single most important factor in most commercially marketed credit-scoring systems that lenders use. Meanwhile, a business credit card has a preset spending limit, but allows you to carry a balance month-to-month, with interest. Our Commercial Revolving Charge card offers you the flexibility to make low monthly payments or payments in full each month. Get 50% more Membership Rewards® points. 25% savings on American Airlines inflight Wi-Fi when you use your card, Enjoy preferred boarding on American Airlines flights, Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Sign in or enroll to access Capital One online banking for credit card or bank products. Charge cards have less overall impact on your business or personal credit score because the usage is not counted as part of your overall utilization ratio. About 32% of business cards offer a minimum APR of 14.99% or lower. $100 United travel credit after qualifying purchases, 25% back on United in-flight purchases and priority boarding. The best value card. Enjoy complimentary Gold Status with your Hilton Honors Business Card. Earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. Do your best to pay off purchases before the end of the grace period. Best feature: Premium cardholder benefits. How Can You Evaluate a Business Credit Card? 1 AN … 2 United Club℠ one-time passes after account opening and on each anniversary* - over a $100 value per year. Cat Consumer Card … Business credit cards differ from consumer credit cards in these important ways: Many small-business owners use personal credit cards to finance their businesses. Some cards will issue a statement credit offsetting the annual fee or waive the fee if you use the card enough over the course of the year. The value you receive really depends on the specific details and needs of your business. Along with the rewards program, the card provides some generous travel perks, such as up to a $200 airline fee credit, Global Lounge Collection access and 35% of your points back (up to 500,000 bonus points per calendar year) when you redeem them for qualifying flights through amextravel. 5% Back or 90 Day Termson U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 2% Backat U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. For example, Capital One reports all business credit card activity to consumer credit bureaus, but Chase only reports to consumer credit bureaus if your account is more than 60 days delinquent. Revolving credit – you can carry a balance, Must be paid off each billing cycle; no revolving credit; substantial penalties for late payments, May be issued to applicants with moderate credit scores, Stricter credit underwriting standards – you must generally have good to excellent credit to qualify, No penalties as long as minimum payments are made each month, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, The Hilton Honors American Express Business Card, American Express Blue Business Cash™ Card, Marriott Bonvoy Business™ American Express® Card, The Business Platinum Card® from American Express, Delta SkyMiles® Gold Business American Express Card, Amazon Business Prime American Express Card, What You Can Expect From a Business Credit Card. This is a scheme where the Cardholder could purchase goods and avail services through the Commercial Bank Credit Card and pay in equal monthly instalments. Cardholders earn 2% cash back on the first $50,000 in purchases each year and then 1% cash back. 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com. Tax simplification: Many of today's business credit cards come with souped-up reporting and accounting features that make it easy to download detailed reports of all expenses charged using the card. Let's start with the basics, and then we'll take a deeper dive into the details. Credit cards are revolving credit accounts in that they are designed to allow cardholders to carry a balance over time. Earn 1 mile per $1 spent on all other purchases. Gain deeper insights on purchases and simplify expense reconciliation. 14.24% to 22.24% based on your creditworthiness, Either $5 or 3% of the amount of each cash advance, whichever is greater. Marriott Bonvoy Business™ American Express® CardWhy this is one of the best business credit cards: The Marriott Bonvoy Business American Express Card is a co-branded hotel business credit card. You don't need to have a storefront, a warehouse, or any major facilities or hard assets to be issued a business credit card. Comparative assessments and other editorial opinions are those of U.S. News The Business Secured Credit Card is a revolving credit option ideal for everyday business expenses and businesses looking to establish or rebuild business credit. Annual fees for business credit cards can be as high as $550, but many cards don't charge an annual fee at all. New cardholders will receive 60,000 bonus miles after spending $3,000 within the first three months. You’ll earn six points per dollar on purchases at participating Marriott Bonvoy hotels, four points per dollar on purchases in select categories, and two points per dollar on all other eligible purchases. However, payment history with your charge card is factored into your personal and business credit. Just as you should work to maintain and protect your personal credit score and ensure that the information in your credit report is accurate, you should do the same with your business credit score. The disadvantage is that your credit account could be shut down if you miss a payment, and outstanding balances are charged a high penalty rate after just one or two late payments. 2.7% of each transaction after conversion to US dollars. The Business Platinum Card® from American ExpressWhy this is one of the best business cards: The Business Platinum Card from American Express is a top-shelf travel rewards option for businesses. Business credit scores generally range from zero to 100, with higher scores going to more creditworthy companies. Complimentary Gold status in the Hilton Honors program is a card perk, and you can earn a weekend night award after charging $15,000 on your card in a calendar year. You only have to make a relatively low minimum monthly payment to keep the account current and in good standing. These cards can be useful for short-term funding. Your business creditors will report your payment history to one or more business credit bureaus, which collect your outstanding balance and payment history from the following types of sources: One of the most prominent business credit bureaus is Dun & Bradstreet, the developers and proprietors of the PAYDEX score. Co-branded or loyalty credit cards offer bonuses for spending and redemption with a specific brand. The content One solution is to consider getting a business credit card. Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. It's possible to obtain a business credit card even as a sole proprietor. Just remember, the amount you can spend above your credit limit is not unlimited. The WellsOne® Commercial Card does more than just optimize your payment process. Speaking of which, because business credit cards typically require a personal guarantee, make sure you know what credit score you (as an individual) fall into. Cat Commercial Card (Revolving Account Card) Take control of business expenses with a dedicated, revolving line of credit you can pay in full or with low monthly payments. To recruit new customers, credit card issuers offer lucrative sign-up bonuses designed to jump-start card usage. Telecommunications, including mobile devices, cable and satellite, internet, landline phones and VoIP. Earn 1 AAdvantage® mile per $1 spent on other purchases, Either $10 or 5% of the amount of each cash advance, whichever is greater, Earns up to 5% cash back on eligible purchases, Offers a $750 cash bonus after you spend $7,500 in the first three months, Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening, Earn 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, Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, Earn 1% cash back on all other card purchases with no limit to the amount you can earn, 0% introductory APR for 12 months on purchases. Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card. New Offer! Additionally, some card issuers will report all activity on business credit cards for your personal credit report. Unlike consumer credit cards, commercial cards are not subject to the federal CARD act, which limits … Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Cards with foreign transaction fees may be a poor choice for business owners with frequent overseas travel or who often make purchases with foreign suppliers. It also keeps that activity off of your personal credit report. Regardless of your personal credit history, you can take steps to make yourself more attractive to business credit card issuers when you are ready to apply: Know your issuer's credit-reporting policies. So, you might be tempted to use a credit card during the offseason as a loan to offset your decrease in cash flow. Rank 49 of the top small business credit cards based on rewards or low APRs. Maximizing tax deductions: Using business credit cards to purchase capital equipment may help you take advantage of tax-planning opportunities. Clients can gain financial benefits, process improvements, and greater security & control by leveraging Citi Virtual Card Accounts (VCA) for payments. You can get up to 1 million additional points per year. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power. Foreign transaction fees: Some credit card companies charge up to a 3% fee for transactions completed in a foreign currency. Annual fee: More than half of business cards charge an annual fee, but about 29% of business cards that charge this fee waive it for the first year. But it can go both ways and damage your personal credit if you're not managing your business credit responsibly. And as mentioned, mixing business and personal purchases on the same credit card could endanger your limited liability protection, putting your personal assets at risk in case of a lawsuit against your corporation or LLC. Card issuers structure their rewards and incentives programs differently to attract different customer segments. But like with most things, business credit cards have both pros and cons. If you're running a small to midsize business, you know how difficult it can be to get funding or to qualify for credit. Credit Cards Checking & Savings Auto Loans Business Commercial Learn & Grow. Add employee cards at no additional cost - miles earned from their purchases accrue in your account and you can set individual spending limits on each card. Consolidate payables to a single card Save time and resources with a single card for purchasing, travel and entertainment, account payable invoices, and fleet expenditures. Credit needed: Most of the business credit cards surveyed require good or excellent credit. $0 introductory annual fee for the first year, then $99. Business credit cards may have higher limits. This ensures that you are personally protected from business liabilities. Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding. Terms & Limitations Apply. Upload receipts. The benefits of a commercial credit card for practice finance Many professional practice owners, such as dental, vision or veterinary, use their personal credit card for business purchases. Beverly Harzog is a nationally recognized personal finance and credit card expert for U.S. ...  Read more. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Experian's scores differ from Dun & Bradstreet's score because Experian looks beyond payment history to include total lines of credit in use, new lines opened in the last six and nine months, accounts in collections over the last seven years, percentage of available credit used, and the number of open credit lines subject to terms other than net-30 days, or when the buyer must pay by the 30th calendar day. In practice, charge cards can be great for businesses with steady cash flows or substantial reserves, whose owners want to maximize their cardholder perks and who don't want to have to worry about preset spending limits. In some cases, the APR is listed as a range, which gives the issuer the flexibility to assign a higher APR to applicants who appear to be risky. And, you can run multiple job sites more efficiently with the ability to … on this page is accurate as of the posting date; however, some of our partner offers may have expired. Commercial Card Center … Best feature: 2% cash back on the first $50,000 spent annually. But it is still a way to rebuild your personal credit history. Tell us a little about yourself and we'll match you with the credit cards that work for you. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted. Cash back is automatically redeemed as a statement credit. Interest rates on business credit cards are high compared with the rates of some other forms of financing, such as personal loans from a traditional bank. While this may seem like a beneficial option from a rewards and convenience perspective, having a commercial credit card … Earn 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card plus earn 5x points on eligible purchases in 5 select business categories, up to 80,000 bonus points per category, all within the first 3 months of Card Membership.† Terms Apply. If your business has employees, you may want them to have access to the business line of credit so they can make business-related purchases. Limit how much debt your business takes on. Ink Business Preferred® Credit CardWhy this is one of the best business credit cards: This card features not only an impressive introductory bonus for eligible new users but also competitive travel rewards. Your tax attorney or certified public accountant can help you make these decisions. They allow you to earn back a percentage of your spending, usually 1% to 5%, depending on the card and spending category. Business owners can distribute cards to employees, but the business owner retains responsibility for repaying charges on each employee's card. Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, … entities, such as banks, credit card issuers or travel companies. Card-issuing banks may report credit usage and payment information to both personal and business credit bureaus. Many programs reward users with points or miles. Ink Business Cash® Credit CardWhy this is one of the best business credit cards: This card rewards you with cash back for everyday spending, including 5% back on the first $25,000 in combined purchases annually at office supply stores and on internet, cable and phone services. Compare the different offers from our partners and choose the card that is right for you. 2x points on all other eligible purchases. Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. If you are sued or go through bankruptcy, and your business records show that you have routinely mingled your personal and business accounts or used business assets for your personal benefit, you could endanger your limited liability protection. and have not been previously reviewed, approved or endorsed by any other From workflow to inventory to floor plans, your business is constantly changing. This can be good if your personal credit is weak, and you are building credit history with on-time payments. The card charges no foreign transaction fee. Small-business credit cards are ideal for someone who operates a business but who hasn't yet established a business credit profile. To establish a separate credit history for your business, select a credit card issuer that reports your credit activity specifically to the business credit bureaus: Dun & Bradstreet, Equifax, FICO SBSS and Experian each maintain a business-specific database and sell credit background screening to lenders of all types. Popular types of co-branded cards include: To predict your potential rewards and discounts from having a business credit card, estimate your most likely future expenses, especially in the following areas: If one of these categories is especially significant for your business, that will help you decide which business credit card might be the best fit for you. Pay no foreign transaction fees when you travel overseas. Experience the power of your rewards with flexible redemption options, to find what best meets your business … Even if you're a sole proprietor, a small-business card might be a good option if you have a lot of business expenses. Year-round attractive discounts and special promotions Earn ComBank Max Loyalty Rewards when you pay with your Credit Card Special ComBank Easy Payment Plans at popular merchants island wide 'Tap & Go' with NFC enabled Credit Cards The card’s annual fee is $95. What's the Difference Between Business Cards vs. Based on your plan, how do you expect to use your business card? Certain hotels have resort fees. Earn 2 miles per $1 spent on United purchases, at gas stations, office supply stores, restaurants (including eligible delivery services), and on local transit and commuting. As the account owner, you can earn bonus rewards for employee spending as well. When used diligently, business credit cards can help you maintain a strict separation between your personal and business finances. California Do Not Sell My Personal Information Request, Viewing up-to-the-minute usage reports for each cardholder on the account, Setting spending limits on individual cards, Instantly retrieving historical activity for each card, Setting up account alerts for individual cards, Reconciling transactions against statements, Sending automatic data feeds to your bookkeeping/accounting software systems, Automatically segregating expenses into categories to assist with expense management, Providing access to account controls via mobile devices. The approval process is usually based on your personal credit history and your income. Free checked bag - save up to $140 per roundtrip. The best credit card for excellent credit is the Citi Double Cash card because of its generous flat-rate rewards and low cost. Our Commercial Card Programs. 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. Terms apply. Just as most of us have a personal FICO score, established businesses generally have one or more business credit scores that lenders use. Whether you need a business credit card for everyday expenses or travel and entertainment, a City National Visa Commercial Card makes it easier for you to manage your business needs. With rewards that don’t expire, you choose when to redeem. There are also some tax-related benefits to think about, so let's look at those now. Cash back rewards are generally straightforward and easy to use. Experian's business credit reports are similar to Dun & Bradstreet's PAYDEX score and are scaled from one to 100. Another perk? With enhanced data views, you can see Amazon Business purchases listed item by item in an easily downloadable file from your online statement. It's important to put restrictions in place to guard against commingling your finances. Here's what you need to know about business credit cards. In time, you'll move up the credit ladder and qualify for better personal and business credit cards. Commercial credit cards also carry a wide range of disadvantages and drawbacks. It also provides comprehensive expense reporting that may help you: Check balances. Track expenses. Personal Cards? Capital One can help you find the right credit cards; checking or savings accounts; auto loans; and other banking services for you or your business That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®, Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn, Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards, Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open. Either $15 or 5% of the amount of each transaction, whichever is greater. But evaluating each and every card out … Introductory APR: About 32% of business credit cards offer a 0% introductory annual percentage rate. With the digitization of B2B transactions accelerating and commercial cards … Just be careful to maintain a way to track your business expenses and keep proper records. BB&T Business Rewards and bonus points Disclosure 3 3 BB&T Business Rewards is available only to BB&T Visa Business Credit Card clients with an aggregate company credit line of less than $100,000., Disclosure 4 4 Please refer to the BB&T Business … (Terms apply.). © 1999 - 2021 Wells Fargo. Scores vary from credit bureau to credit bureau. Separation of business and personal assets. Corporate cards are used by larger companies that have already built up a business credit history. This benefits you if have to carry a balance and your utilization ratio goes up because it would not impact your personal credit score. Enjoy life to the fullest with a ComBank Credit Card Benefits of Commercial Bank Credit Cards. Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. Find the best business credit card for you. The decision-making process starts with your business plan. Mobile payments in store, online, and in app using Apple Pay ®, Google Pay™, and Samsung Pay To apply today for the right Comerica Credit Card for your business: Current Comerica customers, please sign … Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. Although it's a good idea to form a separate business entity before applying for a business credit card, it's not necessary. You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply — all in one place. Few cards provide more than 12 months. You'll need to research each card so you can compare the rates and benefits, but here's a partial list of the tools you might come across: The list is pretty appealing, don't you think? The information for the Amazon Business Prime American Express Card has been collected independently by U.S. News and the card is not currently available on the site. For example, the American Express Blue Business Cash Card earns 2% cash back on all eligible purchases for the first $50,000 spent annually (then 1%). Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries. Start building credit for your business. Without the limited liability protection you gain by operating your business as a corporation or a limited liability company, your personal assets are at risk. Do a cost-benefit analysis and you'll get an idea of whether the cost of the card outweighs the rewards and benefits. Manufacturers that provide merchandise or inventory before payment. If you're a new business owner and your personal credit is so bad that you can't qualify for a consumer credit card, you probably won't qualify for a business credit card either. The WellsOne® Commercial Card … American Express offers a range of Small Business Cards to help your business grow. What Should You Know Before You Apply for a Business Credit Card? The Business Secured Credit Card comes … First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line. According to Dun & Bradstreet, companies that have a track record of not only paying credit accounts on time but also paying them 30 days or more ahead of schedule have the highest scores. Skip to main content. The card charges a $95 annual fee but no foreign transaction fees. Either $5 or 3% of the amount of each cash advance, whichever is greater. Business credit cards are not subject to the same consumer protection laws as personal credit cards under the. $0 introductory annual fee for the first year, then $99. Some issuers don't charge for additional cards for employees. APR: A business credit card with a low APR is possible. For example, if you use a credit card to pay for equipment repair before the end of the year, you may be able to take advantage of a tax deduction in the current year while paying it off later. Your plan also gives you insights about what type of credit card – and rewards – you'd benefit from. For FICO scores, this means at least 670 or higher. Amazon Business Prime American Express CardWhy this is one of the best business credit cards: Businesses that frequently shop with Amazon can earn 5% on Amazon and Whole Foods Market purchases with the Amazon Business Prime American Express Card (bonus cash back applies to the first $120,000 in eligible purchases, then 1%). Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel. The WellsOne® Commercial Card lets you reduce per-transaction costs and streamline approvals, reporting, and compliance. A commercial card is a credit card issued by employers for their employees to use to make purchases on behalf of their company. Please enable JavaScript on your browser and refresh the page. But others do charge an extra fee for each card added to an account, so be aware of that and check the fine print. Earn 60,000 bonus miles after qualifying purchases and enjoy $0 intro annual fee. But take a deep breath and pause for a minute. Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. All major business credit card issuers report information to at least one business credit bureau. You may qualify for a secured business credit card, which could offer limited access to credit. Introductory APR: a flexible payment option to help your business the flexibility to make low monthly payments payments. Low APRs cash positioning and forecasting, fraud protection, managing payments, and more Silver status..., reporting, and more credit score comes … find the best commercial credit card credit reports are similar to &! Not unlimited features of our partner offers may have expired commercial credit card option if you have the United business card a. 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