Selecting the best business credit cards for new businesses is just one of many tasks associated with launching a new venture.
For every new business owner, certain moments really make you stop and think, “Wow! I made a business.” And more than simply magic moments, these events are also important milestones reached by a budding business.
Perhaps surprising, however, is that many of these moments are just that — momentary. These are fleeting things like opening the first piece of mail at your brand new location, handing out your first business card with its painstakingly created logo, and seeing your company name embossed in all its glory on the front of your first business credit card.
But those moments don’t just happen. It can be difficult to choose the right location, logo, and business name for your new business. Thankfully, choosing the right business credit card can be made easy with a little research.
No Annual Fee | Cash Back | Office Rewards | Fair/Limited Credit
Best “No Annual Fee” Business Credit Cards
If there’s one thing new businesses are often short on, it’s capital. So why waste funds on a credit card annual fee when you have other options? With good credit, you can find a range of quality business credit cards that not only charge no annual fee, but also offer purchase rewards to help you save even more on your bottom line.
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The Ink Business Unlimited® Credit Card offers flat-rate cash back and no annual fee, making it an easy card to earn and redeem rewards. It also comes with a 0% intro offer that can help you finance the never-ending costs of your company’s needs.
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The Ink Business Cash® Credit Card offers great rewards for common business expenses, as well as additional rewards in other useful categories and unlimited rewards on all other purchases. With no annual fee and an introductory 0% APR offer, few things will stand in the way of you and the cash back rewards you earn with your Ink Business Cash card.
This card is currently not available.3. Capital One Spark Cash Select for Good Credit
Not only can you earn unlimited cash back rewards with the Capital One Spark Cash Select for Good Credit, but the introductory 0% APR offer makes one less thing to worry about while you grow.
Best “Cash Back” Business Credit Cards
Few business owners are likely to turn down extra cash, especially those with a new business to build. Cash back credit card rewards provide a simple way to take the edge off your purchases with flat-rate rewards that can be redeemed for a credit card statement credit. Choose between higher-rate unlimited cash back or bonus cash back in popular categories to maximize your rewards.
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The Capital One Spark Cash Select is a solid cash back card with no-russ rewards, earning an unlimited flat-rate percentage on every purchase with no spending caps. You may also qualify for a large cash bonus if you spend the required amount within the first three months from account opening.
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If you want unlimited cash back rewards on your business purchases, but don’t want to deal with an annual fee, the Ink Business Unlimited® Credit Card could be a great option. On top of its cash back rewards, this card comes with a huge signup bonus, as well as an intro-APR deal on new purchases.
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You can earn a market-leading cash back rewards rate with the Blue Business Cash™ Card, but remember that no matter how high the earnings rate on your cash back card, remember that it will likely be much lower than the interest rate you’re charged (unless you have an active intro-APR offer). This means interest fees can easily eat into your rewards — and then some — if you carry a balance on your card from month to month.
Best “Office Rewards” Business Credit Cards
Although the digital age has made it increasingly easier to run a business without an office, many new businesses still require a physical presence — which will, inevitably, mean office supplies. From computers and USB sticks to good-old-fashioned paper and pens, most new businesses will get to know their local office supply store fairly well. With a good business credit card, you can save on all those purchases, earning bonus rewards for every swipe.
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Getting your new business stocked up on office supplies can be a little more affordable with the Ink Business Cash® Credit Card. You’ll earn elevated cash back on up to $25,000 in combined office supply, internet, cable, and phone service purchases each year. Plus, enjoy a solid signup bonus, an intro-APR offer, and no annual fee.
This card is currently not available. Additional Disclosure: The information related to Business Advantage Customized Cash Rewards credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.8. Business Advantage Customized Cash Rewards credit card
The Business Advantage Customized Cash Rewards credit card lets you choose which category you earn the most cash back in each month, with office supply stores being one of the available options. Plus, you’ll earn even more cash back if you’re a Preferred Rewards for Business Platinum Honors tier member — all with no annual fee.
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The United℠ Business Card is ideal for the buisness traveler. But when using your business card to purchase printer ink and sticky notes, be sure to think a little outside the pencil box; many modern office supply stores sell far more than the office basics. You may also be able to earn bonus rewards on things like cleaning supplies, packing materials, and printing needs at your local office supply store.
Best “Fair Credit” Business Credit Cards
While many of the things you need to establish your new business can be accomplished in a relatively short time — you can complete the legal steps to start your company in about a week — actually building your business into a success takes time. The same is true for building your business’s credit; it can take months to build enough credit to qualify for a business credit score, let alone reach the upper echelon.
While a strong personal credit score can help you qualify for a business credit card before your company’s credit is established, business cards for fair-credit companies are available from some major banks. You can find secured business cards to help you get started.
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You can use this card to help build your credit and then discuss pontentially moving to one of Capital One’s business cards in the future. As with consumer credit, the key to building a solid business credit profile is to ensure you pay all of your debts on time and as agreed upon.
11. Wells Fargo Business Secured Credit Card
The Wells Fargo Business Secured Credit Card is a secured business credit card that requires a deposit to open. Your credit line will be equal to the amount of your deposit.
- Earn 1.5% cash back on every purchase made with your card, redeemable as a statement credit or check
- Access credit lines from $500 to $25,000
- Receive up to 10 employee cards
Wells Fargo will periodically review your account to see if your growing business credit profile qualifies for an unsecured business credit card. If so, you’ll be automatically upgraded and your deposit refunded.
(The information related to Wells Fargo Business Secured Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)
Give Your New Business a Little Credit
Building a business is often an exercise in hard work and decision-making, requiring a strong focus and dedication to your vision from the very start. Even the most foundational decisions, such as choosing a name and a logo, can be a challenge if your goals aren’t clear.
Similarly, choosing the right business credit card to start building your business’s credit can be difficult if you don’t know what you really need out of that card. Once you’ve laid out your requirements, however, that decision often becomes significantly easier.
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Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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