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Best Credit Cards for Small Business

Compare credit cards for Small Business on Myfin.us.

Best Credit Cards for Small business in October 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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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
M&T Bank Business
Annual Fee:
$0
Regular APR:
10.99% - 17.99% Variable
Our Rating:
4.18
scorer
Сredit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.99% - 17.99% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Credit 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 10.99% - 17.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No rewards
  • Benefits:
    • Add Employee Cards at no additional cost;
    • Visa Zero Liability;
    • M&T Assurance®;
    • Digital Wallet.
Card detail
Chase United℠ Business
Annual Fee:
$0 intro fee for the first year $99 thereafter
Regular APR:
18.74% - 25.74% Variable
Our Rating:
3.86
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles on United Airlines purchases.
    • 2x Miles per $1 spent on dining, including eligible delivery services.
    • 2x Miles per $1 spent at gas stations, office supply stores, and on local transit and commuting.
    • 1x Mile per $1 spent on all other purchases.
  • Intro Offer:
    • 75,000x Bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
    • 75,000x Miles after you spend $20,000 total on purchases made in the first 6 months your account is open.
  • Balance Transfer APR:
    18.74% - 25.74% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase United℠ Business Credit Card earns 75,000 miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases made in the first 6 months your account is open.

    The Card offers 2x miles on United Airlines purchases, 2x miles on dining, including eligible delivery services, 2x miles at gas stations, office supply stores, and on local transit and 1x mile on all other purchases.

    The card has an introductory annual fee of $0 for the first year, then $99. The APR for purchases and balance transfers is 18.74% - 25.74% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • High APR
    • Annual Fee
  • Benefits:
    • Up to 150,000 bonus miles;
    • 2x miles on United Airlines purchases;
    • 2x miles per $1 spent on dining, including eligible delivery services;
    • 2x miles per $1 spent at gas stations, office supply stores, and on local transit and commuting;
    • 1x mile per $1 spent on all other purchases;
    • Employee cards at no additional cost;
    • Visa Concierge;
    • Extended Warranty Protection.
Card detail
BrightStar Business Elite Rewards
Annual Fee:
$0
Regular APR:
11.49% Variable
Our Rating:
3.49
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Points on every purchase.
  • Purchase Intro APR:
    0% Intro APR on Purchases for 12 months
  • Balance Transfer APR:
    3.99% Intro APR on Balance transfers for 12 months 11.49% Variable
  • Issuer name:
    BrightStar Credit Union
  • Details:

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

    The Card has a 0% introductory APR period for 12 months on purchases (3.99% on balance transfers). After that, the variable APR is 11.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1x points on every purchase;
    • Credit limits up to $50,000;
    • Premium purchase protection and extended warranty;
    • NortonLifeLock™ Identity Theft Protection;
    • Luggage Insurance;
    • Travel Accident Insurance.
Card detail
Union Bank® Business Platinum™ Visa®
Annual Fee:
$0
Regular APR:
12.24% - 20.24% Variable
Our Rating:
3.09
scorer
Сredit score
Good (670-739)
  • Purchase Intro APR:
    0% Introductory APR for the first 6 months that your account is open
  • Balance Transfer APR:
    12.24% - 20.24% Variable
  • Issuer name:
    Union Bank®
  • Details:

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

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 12.24% - 20.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • No rewards
    • Foreign Transaction Fee
  • Benefits:
    • Emergency Card Replacement / Emergency Cash Disbursement;
    • Visa SavingsEdge®;
    • Zero Fraud Liability;
    • Auto Rental Collision Damage.
Card detail
PNC Travel Rewards Visa® Business
Annual Fee:
$0
Regular APR:
13.24% - 22.24% Variable
Our Rating:
3.57
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Mile for every $1 in eligible net purchases.
  • Intro Offer:
    • 2x Double miles on the first $2,500 in eligible net purchases.
  • Balance Transfer APR:
    13.24% - 22.24% Variable
  • Issuer name:
    PNC
  • Details:

    The PNC Travel Rewards Visa® Business Credit Card earns 1x mile on all purchases. Plus, earn double miles on the first $2,500 in eligible net purchases.

    The Card doesn't charge an annual fee.

    The APR for purchases and balance transfers is 13.24% - 22.24% (Variable).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 1x Mile for every $1 in eligible net purchases;
    • Double miles on the first $2,500 in eligible net purchases;
    • Access up to 13 months of transaction detail;
    • Extended Protection.
Card detail
US bank Triple Cash Rewards Visa® Business
Annual Fee:
$0
Regular APR:
16.24% - 25.24% Variable
Our Rating:
5
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • $500 In Cash Back when you spend $4,500 on purchases in the first 150 days.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 billing cycles
  • Balance Transfer APR:
    16.24% - 25.24% Variable
  • Issuer name:
    US bank
  • Details:

    The US bank Triple Cash Rewards Visa® Business Credit Card earns $500 in Cash Back when you spend $4,500 on purchases in the first 150 days. The Card offers 5% Cash Back on prepaid hotels and car rentals (booked directly in the Travel Rewards Center), 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, restaurants and 1% Cash Back on all other eligible purchases.

    Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

    The Triple Cash Rewards Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 billing cycles on purchases. In addition, there is a 0% introductory APR period for 15 billing cycles on balance transfers made within 30 days of account opening. After that, the variable APR is 16.24% - 25.24%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Penalty APR
    • Foreign Transaction Fee
  • Benefits:
    • $500 in Cash Back when you spend $4,500 on purchases in the first 150 days;
    • 5% Cash Back on prepaid hotels and car rentals booked directly in the Travel Rewards Center;
    • 3% Cash Back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants;
    • 1% Cash Back on all other eligible purchases;
    • $100 software credit;
    • Pay With Your Phone;
    • Expense management;
    • Zero Fraud Liability.
Card detail
American Express® Business Green Rewards
Annual Fee:
$0 introductory annual fee for the first year $95 thereafter
Regular APR:
16.49% - 24.49% Variable
Our Rating:
2.17
scorer
Сredit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Points on flights & prepaid hotels.
    • 1x Point on all other purchases.
  • Intro Offer:
    • 25,000x Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Business Green Rewards Credit Card earns 25,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. The Card offers 2x points on flights & prepaid hotels and 1x point on all other purchases.

    The Card's Annual Fee: $0 introductory annual fee for the first year, then $95. The APR is 16.49% - 24.49% (Variable).

  • Pros:
    • No preset spending limit
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
    • Balance transfers and cash advances are not available
  • Benefits:
    • 25,000 Membership Rewards® points (after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership);
    • 2x points on flights & prepaid hotels;
    • 1x point on all other purchases;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline.
Card detail
FNBO First Bank Business Edition® Mastercard® with Reward Simplicity
Annual Fee:
$0
Regular APR:
16.49% - 22.49% Variable
Our Rating:
3.97
scorer
Сredit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles
  • Balance Transfer APR:
    16.49% - 22.49% Variable
  • Issuer name:
    First National Bank of Omaha
  • Details:

    The First Bank Business Edition® Mastercard® with Reward Simplicity earns 1.5% Cash Back on all purchases. Plus, earn a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.

    The First Bank Business Edition® Mastercard® with Reward Simplicity doesn't charge an annual fee.

    The Card has a 0% Intro APR period on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 16.49% and 22.49% APR depending on your credit worthiness.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles.
Card detail