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The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1Limited offer
Celtic Bank
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Best Business Owners credit cards 2024

Compare credit cards for Business Owners on Myfin.us.

Updated November 16, 2024
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The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
$0
Annual Fee
17.99% - 27.99%
Regular APR
10%
You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
Apply now
On Celtic Bank‘s site
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
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Celtic Bank The Owner’s Rewards Card by M1

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The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
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On Celtic Bank‘s site
Card detail

Cross River Bank Divvy

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Divvy Cross River Bank
Annual fee:
$0
Regular APR:
None
Our Rating:
4.04
scorer
Credit 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.
View all Divvy details
Apply now
On Cross River Bank‘s site
Card detail

Chase Ink Business Premier℠

Chase Ink Business Premier℠
Annual fee:
$195 annually
Regular APR:
19.49% - 27.49% Variable
Our Rating:
4.02
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on Lyft rides through March 2025.
    • 2.5% Cash Back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed.
    • 2% Cash Back on all other business purchases.
  • Intro Offer:
    • $1,000 Bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening.
  • Issuer name:
    Chase
  • Details:

    The Chase Ink Business Premier℠ Credit Card earns $1,000 bonus Cash Back after you spend $10,000 on purchases in the first 3 months after account opening. The Card offers 5% Cash Back on every purchase of $5,000 or more. That’s $250 on a purchase of $10,000 when redeemed. You'll earn 2.5% Cash Back on every purchase of $5,000 or more, and 2% Cash Back on all other business purchases.

    The Card's APR: 19.49% to 27.49% (Variable).

    The Ink Business Premier℠ Card has an annual fee of $195.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • $1,000 Bonus Cash Back (after you spend $10,000 on purchases in the first 3 months after account opening);
    • 5% Cash Back on every purchase of $5,000 or more (that’s $250 on a purchase of $10,000 when redeemed);
    • 2.5% Cash Back on every purchase of $5,000 or more;
    • 2% Cash Back on all other business purchases;
    • Zero Liability Protection;
    • Extended Warranty Protection;
    • Roadside Dispatch;
    • Cell Phone Protection;
    • Employee cards.
View all Ink Business Premier℠ details
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Card detail

Emigrant Bank Brex for Startups best for Without SSN

Emigrant Bank Brex for Startups

Brex Card for Startups Emigrant Bank
Annual fee:
$0
Regular APR:
None
Our Rating:
2.06
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 8x Points on rideshare, including Uber, Lyft, taxi, and scooter.
    • 5x Points on flights and hotels booked through Brex Travel.
    • 4x Points on restaurants.
    • 3x Points on recurring software like Salesforce, Zendesk, Twilio, and more.
    • 1x Points on everything else.
  • Issuer name:
    Emigrant Bank
  • Details:

    If you’re a new startup or small business owner, the Brex Corporate Card was made for you.

    Get discounts on top services to run your company. Compared to an average of $500 in typical business credit card bonuses, Brex partner offers total $150,000 in value. Redeem anytime.

    With the Brex Corporate Card, you’ll earn 8x points on rideshares, 5x on travel booked through Brex, 4x on restaurants, 3x on recurring software and 1x on everything else. Points can be redeemed for statement credit or travel via Brex’s travel portal.

    Credit limits 10 - 20x higher than traditional small business corporate cards.

    This is a charge card, so you’ll have to pay your balance in full each month. To qualify, you’ll need a $100,000 bank balance.

    You won’t be charged an annual fee, but there isn’t a welcome bonus or introductory APR offer.

  • Pros:
    • No personal guarantee required
    • Irrelevant and unaffected personal credit
    • Startups tailored rewards program
    • Dynamic credit limits
    • No annual Fee
    • No foreign transaction fees
  • Cons:
    • Charge card
    • Tech industry oriented
    • High amount of funds required to qualify
  • Benefits:
    • Partner perks;
    • Build business credit;
    • Brex Travel portal;
    • Instant onboarding and virtual cards;
    • Manage your business anywhere;
    • Receipts match automatically;
    • Pairs with Brex Cash;
    • Built-in expense tools and integrations;
    • Live support in 2 minutes.
View all Brex for Startups details
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Card detail

American Express® Delta SkyMiles® Gold Business

American Express® Delta SkyMiles® Gold Business
Annual fee:
$0 intro annual fee for the first year
$99 for the rest years
Regular APR:
20.99% - 29.99% Variable
Our Rating:
3.44
scorer
Credit score
Good (670-739)
  • Rewards Rate:
    • 2x Miles at Delta.
    • 2x Miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media.
    • 1x Miles on all other purchases.
  • Intro Offer:
    • 80,000x Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Delta SkyMiles® Gold Business American Express® Credit Card earns 80,000 bonus miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.

    The Delta SkyMiles® Gold Business Card offers 2x miles at Delta, 2x miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media, 1x mile on all other purchases.

    The Delta SkyMiles® Gold Business Card has a $0 introductory annual fee for the first year, then $99.

    The Card's APR on Purchases: 20.99% - 29.99% Variable APR, Penalty APR: 29.99%.

  • Pros:
    • Welcome bonus
    • Various bonus categories
    • Free first checked bag
    • No foreign transaction fees
    • $100 Delta flight credit
  • Cons:
    • $99 Annual Fee
    • Limited miles redemption ways
    • Lack of luxury benefits
  • Benefits:
    • 80,000 bonus miles (after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership);
    • 2x miles at Delta;
    • 2x miles on U.S. Purchases at restaurants, shipping providers, and on advertising purchases in select media;
    • 1x mile on all other purchases;
    • $100 Delta Flight Credit;
    • 20% In-Flight Savings;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Employee Cards;
    • Extended Warranty.
View all Delta SkyMiles® Gold Business details
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Card detail

Barclays Bank Delaware JetBlue Business

Barclays Bank Delaware JetBlue Business
Annual fee:
$99 annually
Regular APR:
21.24% - 29.99% Variable
Our Rating:
3.4
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 6x Points on eligible JetBlue purchases.
    • 2x Points at restaurants and office supply stores.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 60,000x Bonus points after spending $2,000 on purchases in the first 90 days, and earn an additional 10,000 bonus points after a purchase is made on an employee card.
  • Balance Transfer APR:
    21.24% - 29.99% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The JetBlue Business Credit Card offers 60,000 bonus points after spending $2,000 on purchases in the first 90 days. Earn an additional 10,000 bonus points after a purchase is made on an employee card.

    The JetBlue Business Card offers 6x points on eligible JetBlue purchases, 2x points at restaurants and office supply stores and 1x points on all other purchases.

    The Card's annual fee is $99. The APR for purchases and balance transfers is 21.24% - 29.99%.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • No Intro APR period
  • Benefits:
    • Up to 70,000 bonus points;
    • 5,000 bonus points every year after your account anniversary;
    • 6x points on eligible JetBlue purchases;
    • 2x points at restaurants and office supply stores;
    • 1x points on all other purchases;
    • Free first checked bag for you and up to 3 companions;
    • 50% savings on eligible inflight purchases;
    • $100 statement credit after purchasing a JetBlue Vacations package;
    • Mosaic benefits;
    • $0 Fraud Liability;
    • Employee cards at no extra cost.
View all JetBlue Business details
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Card detail

American Express® Lowe’s Business Rewards

American Express® Lowe’s Business Rewards
Annual fee:
$0
Regular APR:
20.99% - 29.99% Variable
Our Rating:
4.37
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back at Lowe's.
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.
  • Issuer name:
    American Express®
  • Details:

    The Lowe’s Business Rewards Credit Card earns 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.

    The Card earns 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services and 1% Cash Back on other purchases.

    The Lowe’s Business Rewards Card doesn't charge an annual fee. The APR for purchases is 20.99% - 29.99% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months;
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services;
    • 1% Cash Back on other purchases;
    • Lowe's ProServices;
    • Employee Cards;
    • Extended Warranty.
View all Lowe’s Business Rewards details
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Card detail

TD Bank Business Solutions

TD Bank Business Solutions
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
3.31
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on purchases.
  • Intro Offer:
    • 250% Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
    • 5% Cash Back on all eligible purchases for 6 months or up to $10,000 in spend, up to $500 in Cash Back value.
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Bank Business Solutions Credit Card earns 1% Cash Back on purchases. Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account. Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

    Earn 5% Cash Back on all eligible purchases for 6 months or up to $10,000 in spend, up to $500 in Cash Back value.

    The TD Bank Business Solutions Card doesn't charge an annual fee. The APR for purchases and balance transfers is 19.24% - 29.24% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $250 Cash Back in the form of a statement credit (when you spend $1,500 within the first 90 days);
    • 5% Cash Back on all eligible purchases for 6 months or up to $10,000 in spend, up to $500 in Cash Back value;
    • 1% Cash Back on purchases;
    • 1% Cash Back when you redeem into an eligible TD Bank Deposit Account.
View all Business Solutions details
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Card detail

WebBank Capital on Tap Founder Rewards Business Visa®

WebBank Capital on Tap Founder Rewards Business Visa®
Annual fee:
$0
Regular APR:
18.49% - 35.99%
Our Rating:
3.63
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on all eligible purchases.
  • Intro Offer:
    • $200 Get $200 back if you spend $15,000 in your first 3 months.
  • Issuer name:
    WebBank
  • Details:

    The Capital on Tap Founder Rewards Business Visa® Credit Card offers the opportunity to earn 1.5% Cash Back on all eligible purchases. Get $200 back if you spend $15,000 in your first 3 months.

    The Capital on Tap Founder Rewards Business Visa® doesn't charge an annual fee. The APR for purchases is 18.49% - 35.99%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Balance transfers are not available
  • Benefits:
    • $200 back if you spend $15,000 in your first 3 months;
    • Unlimited free 1.5% Cash Back;
    • Credit limits up to $50,000;
    • Unlimited cards for your company.
View all Capital on Tap Founder Rewards Business Visa® details
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Card detail

Navy Federal Credit Union GO BIZ Rewards Mastercard® Business

Navy Federal Credit Union GO BIZ Rewards Mastercard® Business
Annual fee:
$0
Regular APR:
14.40% - 18.00% Variable
Our Rating:
4.01
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Points per dollar spent on eligible net purchases.
  • Balance Transfer APR:
    14.40% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal GO BIZ Rewards Mastercard® Business Credit Card is designed to help keep your business moving forward. The Card has no annual fee.

    The Navy Federal GO BIZ Rewards Mastercard® Business features contactless technology, so you can make purchases quickly.

    The Navy Federal GO BIZ Rewards Mastercard® Business offers 1x points per dollar spent on eligible net purchases and up to 15% on qualifying business purchases from participating merchants.

    The Card's APR is 14.40% - 18.00% (Variable for purchases and transfers).

  • Pros:
    • Easily Earn Points on all Purchases
    • No foreign transaction fees
    • No annual fee
    • Personalized redemption options
    • Low APR
  • Cons:
    • No welcome bonus
    • Only valid for Navy Federal members
  • Benefits:
    • 1x points per dollar spent on eligible net purchases;
    • Up to 15% on qualifying business purchases from participating merchants;
    • Multiple cardholders available;
    • Zero Liability policy.
View all GO BIZ Rewards Mastercard® Business details
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