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Best Credit Cards for Small Business

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Best Credit Cards for Small business in August 2022

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Divvy Cross River Bank
Annual Fee:
$0
Regular APR:
None
Our Rating:
4.04
scorer
Сredit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 2x - 7x:
    • Points on restaurants.
    • 2x - 5x:
    • Points on hotels.
    • 1.5x - 2x:
    • Points on recurring software subscriptions.
    • 1x - 1.5x:
    • Points on everything else.
  • Issuer name:
    Cross River Bank
  • Details:

    The Divvy Card is a corporate credit card.

    The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

    Points can be redeemed for travel, gift cards, statement credits or cash back.

    Read full review

  • Pros:
    • No fees
    • Rewards
  • Cons:
    • No sign-up bonus
  • Benefits:
    • Unlimited creation of virtual cards;
    • Scalable credit line;
    • Employee cards for everyone;
    • Enforceable budgets;
    • Expense reports.
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On Cross River Bank‘s site
Card detail
Regions Visa® Business
Annual Fee:
$0
Regular APR:
10.99% - 21.99% Variable
Our Rating:
3.06
scorer
Сredit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    10.99% - 21.99% Variable
  • Issuer name:
    Regions
  • Details:

    The Regions Visa® Business Credit Card is a small business card.

    The Regions Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% Intro APR period on purchases for the first 6 months, 10.99% - 21.99% Variable after that.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • No rewards
    • Foreign Transaction Fee
  • Benefits:
    • Business Solutions;
    • Business Insights.
Card detail
M&T Bank Business Rewards
Annual Fee:
$0
Regular APR:
12.49% - 19.49% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on all purchases.
  • Intro Offer:
    • 2% Cash Back on all purchases for your first year.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    12.49% - 19.49% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Rewards Credit Card earns 2% Cash Back on all purchases for your first year, 1% Cash Back thereafter.

    The Business Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 12.49% - 19.49%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • Extra Fees
  • Benefits:
    • 2% Cash Back on all purchases for your first year;
    • 1% Cash Back on all purchases thereafter;
    • Fraud Protection;
    • Digital Wallet.
Card detail
Truist Bank Business
Annual Fee:
$0
Regular APR:
11.74% - 20.74% Variable
Our Rating:
3.65
scorer
Сredit score
Fair to Excellent (580-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Balance Transfer APR:
    11.74% - 20.74% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Business Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases. After that, the variable APR is 11.74% - 20.74%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • Add authorized cardholders at no additional charge;
    • Digital account management with Truist Online Banking and Truist eZBusiness;
    • Intuit QuickBooks® integration;
    • Travel Accident Insurance;
    • Travel and Emergency Assistance Services;
    • Auto Rental Collision Damage Waiver;
    • Visa® Zero Liability protection;
    • Extended Warranty Protection.
Card detail
Union Bank® Business Preferred Rewards™ Visa®
Annual Fee:
$0
Regular APR:
13.49% - 22.49% Variable
Our Rating:
4.35
scorer
Сredit score
Good (670-739)
  • Rewards Rate:
    • 5x Points per $1 spent up to $25,000 annually on select business expenses (such as office supplies, utility bills, and telecom services), and 1 point per $1 spent thereafter.
    • 2x Points per $1 spent up to $25,000 annually on gas station and restaurant purchases, and 1 point per $1 spent thereafter.
    • 1x Point per $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Points on this business rewards credit card when you make $5,000 in purchases in the first 3 months after account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 6 months that your account is open
  • Balance Transfer APR:
    13.49% - 22.49% Variable
  • Issuer name:
    Union Bank®
  • Details:

    The Union Bank® Business Preferred Rewards™ Visa® Credit Card earns 50,000 points when you make $5,000 in purchases in the first 3 months after account opening. The Card offers 5x points per $1 spent up to $25,000 annually on select business expenses such as office supplies, utility bills, and telecom services (1 point per $1 spent thereafter), 2x points per $1 spent up to $25,000 annually on gas station and restaurant purchases (1 point per $1 spent thereafter) and 1x point per $1 spent on all other purchases.

    The Union Bank® Business Preferred Rewards™ Visa® Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 13.49% - 22.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 50,000 points (when you make $5,000 in purchases in the first 3 months after account opening);
    • 5x points per $1 spent up to $25,000 annually on select business expenses (such as office supplies, utility bills, and telecom services), and 1 point per $1 spent thereafter;
    • 2x points per $1 spent up to $25,000 annually on gas station and restaurant purchases, and 1 point per $1 spent thereafter;
    • 1x point per $1 spent on all other purchases;
    • Mobile wallets;
    • Visa SavingsEdge;
    • Cardholder Inquiry Service;
    • Emergency Card Replacement/Emergency Cash Disbursement;
    • Lost/Stolen Card Reporting;
    • Zero Fraud Liability;
    • Auto Rental Collision Damage.
Card detail
Randolph-Brooks Federal Credit Union Business Select Mastercard®
Annual Fee:
$0
Regular APR:
15.40% - 18.00% Variable
Our Rating:
4.4
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on all purchases.
  • Balance Transfer APR:
    15.40% - 18.00% Variable
  • Issuer name:
    Randolph-Brooks Federal Credit Union
  • Details:

    The Randolph-Brooks Business Select Mastercard® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on balance transfers and cash advances made within 90 days of account opening. After that, the variable APR is 15.40% - 18.00%.

  • Pros:
    • No Annual Fee
    • Intro APR period on balance transfers and cash advances
  • Cons:
    • No welcome bonus
    • No Intro APR period on purchases
  • Benefits:
    • 2% Cash Back on all purchases;
    • Additional cards with personalized spending limits at no cost;
    • $0 fraud liability;
    • 24/7 fraud monitoring and Alerts;
    • $1 million travel accident insurance.
Card detail
Synovus Business Travel Rewards Visa®
Annual Fee:
$0 introductory Annual Fee for one year $50 thereafter
Regular APR:
12.74% - 22.74% Variable
Our Rating:
4.66
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on up to $5,000 annually in net spend for travel purchases, including hotel, airlines, car rental, and vacation packages.
    • 3x Points on up to $3,000 in net spend quarterly for purchases in a Dynamic Earn category of your choice.
    • 1x Points on all eligible purchases, with no limit on the points you can earn.
  • Purchase Intro APR:
    0% Introductory APR for the first six months
  • Balance Transfer APR:
    12.74% - 22.74% Variable
  • Issuer name:
    Synovus Bank
  • Details:

    The Synovus Business Travel Rewards Visa® Credit Card earns 5x points on up to $5,000 annually in net spend for travel purchases (including hotel, airlines, car rental, and vacation packages), 3x points on up to $3,000 in net spend quarterly for purchases in a Dynamic Earn category of your choice. The Card offers 1x point on all eligible purchases, with no limit on the points you can earn.

    The Card's Annual Fee: $0 introductory Annual Fee for one year, $50 thereafter.

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 12.74% - 22.74%.

  • Pros:
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
  • Benefits:
    • 5x points on up to $5,000 annually in net spend for travel purchases, including hotel, airlines, car rental, and vacation packages;
    • 3x points on up to $3,000 in net spend quarterly for purchases in a Dynamic Earn category of your choice;
    • 1x points on all eligible purchases, with no limit on the points you can earn;
    • Account access for your employees;
    • Travel Accident Insurance;
    • Auto Rental Collision Damage Waiver;
    • Travel & Emergency Assistance Services;
    • $1,500 Hotel Theft Protection;
    • Emergency Evacuation and Transportation Coverage.
Card detail
Citizens Bank Business Platinum Mastercard®
Annual Fee:
$0
Regular APR:
8.99% - 19.99% Variable
Our Rating:
2.61
scorer
Сredit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR until the first day of your thirteenth billing cycle
  • Issuer name:
    Citizens Bank
  • Details:

    The Citizens Bank Business Platinum Mastercard® Credit Card has a 0% introductory APR period for 12 months from account opening - after that, a variable APR of 8.99% - 19.99%.

    The Business Platinum Mastercard® doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Balance transfers are not available
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • MasterRental® Car Insurance;
    • Mastercard Easy Savings® Program;
    • Travel Accident Insurance;
    • Mastercard Global Service®;
    • Zero liability.
Card detail
Wells Fargo Business Secured
Annual Fee:
$0
Regular APR:
15.15% Variable
Our Rating:
3.17
scorer
Сredit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1.5% Cash Back on qualifying purchases.
  • Issuer name:
    Wells Fargo
  • Details:

    The Wells Fargo Business Secured Credit Card earns 1.5% Cash Back on qualifying purchases.

    The Card doesn't charge an annual fee. The APR for purchases is 15.15%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • Balance transfers are not available
  • Benefits:
    • 1.5% Cash Back on qualifying purchases;
    • Zero Liability protection;
    • Up to 10 employee cards.
Card detail
Bank of America Alaska Airlines Visa® Business
Annual Fee:
$75 annually
Regular APR:
17.49% - 25.49% Variable
Our Rating:
3.33
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Miles for every $1 spent on eligible Alaska Airlines purchases.
    • 1x Mile for every $1 spent on all other purchases.
  • Intro Offer:
    • 40,000x Bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
  • Balance Transfer APR:
    17.49% - 25.49% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Alaska Airlines Visa® Business Credit Card earns 40,000 bonus miles plus Alaska's Famous Companion Fare™ (after making $2,000 in purchases within the first 90 days). The Card offers 3x miles for every $1 spent on eligible Alaska Airlines purchases and 1x mile for every $1 spent on all other purchases.

    The Alaska Airlines Visa® Business has a 17.49% to 25.49% Variable APR.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • 40,000 bonus miles plus Alaska's Famous Companion Fare™ (after making $2,000 in purchases within the first 90 days);
    • 3x miles for every $1 spent on eligible Alaska Airlines purchases;
    • 1x mile for every $1 spent on all other purchases;
    • Travel and Emergency Services.
Card detail
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