Small business credit cards offer cash back, large signup bonuses, and convenient features to help you manage your business. These cards also allow you to create a business credit history when the bank reports data to the three commercial credit bureaus (Dun & Bradstreet, Equifax and Experian).
You can apply for a small business credit card if you earn money independently whether that is from a traditional LLC, freelance work, or an occasional side gig. If you don’t have a formal registered business, you can apply as a sole proprietor with your personal Social Security number and home address.
Credit Card
Annual Fee
Cashback Rate
On Annual Spending of
Cashback Rate After Limit
Foreign Transaction Fee
Introductory APR on Purchases
For
Signup Bonus
If you Spend
In the first
American Express Blue Business Cash
2.00%
$50,000
1.00%
2.70%
0.00%
365 days
$250
$3,000
90 days
Apply
American Express Blue Business Plus
2.00%
$50,000
1.00%
2.70%
0.00%
365 days
$150
$3,000
90 days
Apply
Wells Fargo Signify Business Cash
2.00%
3.00%
0.00%
365 days
$500
$5,000
90 days
Apply
TD Business Solutions
2.00%
3.00%
$400
$3,000
90 days
Apply
Evergreen by FNBO Business Edition
2.00%
3.00%
0.00%
180 days
$200
$3,000
90 days
Apply
CapitalOne Spark Cash
$95
2.00%
0.00%
$1,500
$15,000
90 days
Apply
CapitalOne Spark Cash Plus
$150
2.00%
0.00%
$2,000
$30,000
90 days
Apply
Chase Ink Business Premier
$195
2.00%
0.00%
$1,000
$10,000
90 days
Apply
U.S. Bank Business Altitude Power
$195
2.00%
0.00%
$750
$10,000
120 days
Apply
CapitalOne Spark Cash Select
1.50%
0.00%
$500
$4,500
90 days
Apply
Edward Jones Business Plus
1.50%
0.00%
$150
$1,000
90 days
Apply
Chase Ink Business Unlimited
1.50%
3.00%
0.00%
365 days
$900
$6,000
90 days
Apply
Bank of America Business Advantage Unlimited Cash Rewards
1.50%
3.00%
0.00%
270 days
$300
$3,000
90 days
Apply
PNC Cash Rewards Business
1.50%
3.00%
0.00%
270 days
Apply
PNC BusinessOptions
1.00%
$800
$15,000
90 days
Apply
Amegy AmaZing Rewards
1.00%
0.00%
180 days
$500
$5,000
120 days
Apply
Amegy AmaZing Cash
1.00%
0.00%
180 days
$500
$5,000
120 days
Apply
Huntington Voice Business
1.00%
0.00%
Apply
BMO Business Platinum Rewards
1.00%
2.00%
0.00%
270 days
$500
$5,000
90 days
Apply
Chase Ink Business Cash
1.00%
3.00%
0.00%
365 days
$900
$6,000
90 days
Apply
U.S. Bank Triple Cash Rewards Business
1.00%
3.00%
0.00%
455 days
$500
$4,500
150 days
Apply
Chase Ink Business Preferred
$95
1.00%
0.00%
$900
$8,000
90 days
Apply
U.S. Bank Business Leverage
$95
1.00%
0.00%
$750
$7,500
120 days
Apply
U.S. Bank Business Altitude Connect
$95
1.00%
0.00%
$600
$6,000
180 days
Apply
CapitalOne Spark 2X Miles
$95
1.00%
0.00%
$250
$4,500
90 days
Apply
American Express Business Green
$95
1.00%
2.70%
$400
$3,000
180 days
Apply
American Express Business Gold
$375
1.00%
$2,000
$15,000
90 days
Apply
CapitalOne Venture X Business
$395
1.00%
0.00%
$750
$30,000
90 days
Apply
American Express Business Platinum
$695
1.00%
$2,500
$20,000
90 days
Apply
CapitalOne Spark 1.5X Miles Select
0.75%
0.00%
$250
$4,500
90 days
Apply
Amegy AmaZing Rate
0.00%
0.00%
180 days
$500
$5,000
120 days
Apply
BMO Business Platinum
0.00%
2.00%
0.00%
545 days
Apply
U.S. Bank Business Platinum
0.00%
3.00%
0.00%
545 days
Apply