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Cross River Bank

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Best Credit Cards for Small Business

Compare credit cards for Small Business on Myfin.us.

Updated July 09, 2025

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Divvy

Cross River Bank

None

Annual Fee

None

Regular APR

2x - 7x:

Points on restaurants.

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Best Credit Cards for Small business in July 2025

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Cross River Bank Divvy

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Annual fee:

Regular APR:

None

Our Rating:

4.04

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.
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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

Kemba Financial Credit Union Premier Business Visa®

Annual fee:

Regular APR:

15.24% Variable

Our Rating:

3.35

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1% Cash Back rewards on balance transfers in the first 90 days.
Balance Transfer APR:
15.24% Variable

Issuer name:
Kemba Financial Credit Union
Details:
The Kemba Premier Business Visa® Credit Card doesn't charge an annual fee. The APR for purchases and balance transfers is 15.24% Variable.

Pros:
- No Annual Fee
Cons:
- No Intro APR period

Benefits:
- 1% Cash Back on balance transfers in the first 90 days;
- Fraud protection.

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Card detail

Capital One Spark Cash Plus

Annual fee:

$150 annually

Regular APR:

None *

Our Rating:

3.62

Credit score

Excellent (740-799)

Rewards Rate:
- 5% Cash Back on hotels and rental cars booked through Capital One Travel.
- 2% Cash Back for your business on every purchase.
Intro Offer:
- $2,000 Cash Bonus once you spend $30,000 in the first 3 months.
- $2,000 Earn an additional $2,000 bonus for every $500,000 spent in the first year.
Purchase Intro APR:
None *
Balance Transfer APR:
None *

Issuer name:
Capital One
Details:
The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.
The Card has no APR because your balance is due in full every month.
Earn $ 2,000 Cash Bonus once you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.
The Card's annual fee is $150.

Pros:
- No foreign transaction fees
Cons:
- Annual Fee

Benefits:
- $2,000 cash bonus when you spend $30,000 in the first 3 months;
- $2,000 bonus (additional) for every $500,000 spent in the first year;
- $150 cash bonus every year you spend $150,000 or more;
- 5% Cash Back on hotels and rental cars booked through Capital One Travel;
- 2% Cash Back on every purchase;
- Roadside Assistance;
- Free Employee Cards;
- Extended Warranty;
- $0 Fraud Liability.

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Card detail

BMO Harris Bank Business Platinum Mastercard®

Annual fee:

Regular APR:

16.49% - 25.49% Variable

Our Rating:

3.72

Credit score

Good to Excellent (670-799)

Purchase Intro APR:
0% Introductory APR for 18 months from account opening date
Balance Transfer APR:
16.49% - 25.49% Variable

Issuer name:
BMO Harris Bank
Details:
The BMO Harris Bank Business Platinum Mastercard® Credit Card doesn't charge an annual fee.
Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.
Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.
The Card has a 0% introductory APR period for 18 months on purchases. In addition, there is a 0% introductory APR period for 18 months on balance transfers made within 90 days of account opening. After that, the variable APR is 16.49% - 25.49%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- Save up to 25% at 40,000+ merchants;
- Extended Warranty;
- Zero Liability;
- Digital Payments;
- MasterRental®;
- Mastercard Global Service™;
- Master RoadAssist®;
- Travel Assistance Services;
- Priceless® Cities;
- Mastercard Easy Savings®;
- Discounts on Intuit Quickbooks and TurboTax;
- Up to 20 additional cards;
- $600 cell phone protection.

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Card detail

BMO Harris Bank Business Platinum Rewards Mastercard®

Annual fee:

Regular APR:

20.49% - 29.49% Variable

Our Rating:

4.66

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1.5x Points for every $1 spent on all purchases.
Intro Offer:
- 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
Purchase Intro APR:
0% Introductory APR for nine months from account opening date
Balance Transfer APR:
20.49% - 29.49% Variable

Issuer name:
BMO Harris Bank
Details:
The BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card earns 25,000 points when you spend $3,000 within 3 months of account opening. The Card offers 1.5x points for every $1 spent on all purchases.
The Card doesn't charge an annual fee.
Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.
Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.
The Card has a 0% introductory APR period for 9 months on purchases. In addition, there is a 0% introductory APR period for 9 months on balance transfers made within 90 days of account opening. After that, the variable APR is 20.49% - 29.49%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 25,000 points (when you spend $3,000 within 3 months of account opening);
- 1.5x points for every $1 spent on all purchases;
- Up to 25% at 40,000+ merchants;
- Up to 20 additional cards;
- $600 cell phone protection;
- Extended Warranty;
- Zero Liability;
- Travel Assistance Services;
- Master RoadAssist®;
- Priceless® Cities;
- Mastercard Easy Savings®.

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Card detail

Clearview® Federal Credit Union Business Platinum Mastercard®

Annual fee:

Regular APR:

7.24% Variable

Our Rating:

4.93

Credit score

Good (670-739)

Balance Transfer APR:
7.24% Variable

Issuer name:
Clearview® Federal Credit Union
Details:
The Clearview Business Platinum Mastercard Credit Card doesn't charge an annual fee.
The APR for purchases and balance transfers is 7.24% Variable.

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- Travel accident insurance;
- Additional cards available for your employees;
- Free anti-fraud protection and 24/7 card security services from Mastercard;
- Mastercard Airport Concierge™;
- MasterRental™ Insurance;
- Priceless Cities Offers & Experiences.

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Card detail

Barclays Bank Delaware Hawaiian Airlines® World Elite Business Mastercard®

Barclays Hawaiian Airlines® World Elite Business Mastercard®

Annual fee:

$99 annually

Regular APR:

21.24% - 29.99% Variable

Our Rating:

2.67

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 2x Miles on gas, dining and office supply store purchases.
- 1x Miles on all other purchases.
Intro Offer:
- 60,000x Bonus HawaiianMiles® after spending $2,000 on purchases in the first 90 days.
Balance Transfer APR:
21.24% - 29.99% Variable

Issuer name:
Barclays Bank Delaware
Details:
The Barclays Hawaiian Airlines® World Elite Business Mastercard® Credit Card earns 60,000 bonus HawaiianMiles® after spending $2,000 on purchases, plus earn an additional 10,000 bonus HawaiianMiles after a purchase is made on an employee card, each within the first 90 days. The Card offers 2x miles on gas, dining and office supply store purchases and 1x miles on all other purchases.
The Hawaiian Airlines® World Elite Business Mastercard® comes with an annual fee of $99.
The card's APR: 21.24% - 29.99% (Variable APR).

Pros:
- No Foreign Transaction Fee
Cons:
- Annual Fee
- No Intro APR period

Benefits:
- 60,000 bonus HawaiianMiles;
- Up to 40,000 anniversary bonus HawaiianMiles;
- 2x miles on gas, dining and office supply store purchases;
- 1x miles on all other purchases;
- 50%-off companion discount;
- Complimentary employee cards;
- Travel assistance services;
- Easier expense tracking.

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Card detail

Black Hills Federal Credit Union Visa® Cash Back Business

Annual fee:

Regular APR:

7.75% - 17.90% Variable

Our Rating:

4.86

Credit score

Good (670-739)

Rewards Rate:
- 1.5% Cash Back on everyday purchases.
Purchase Intro APR:
2.90% Introductory APR for 12 months from account opening
Balance Transfer APR:
7.75% - 17.90% Variable

Issuer name:
Black Hills Federal Credit Union
Details:
The Visa® Cash Back Business Credit Card from BHFCU doesn't charge an annual fee.
Cardholders can enjoy an interest rate of 2.90% for both purchases and balance transfers for the first 12 months (7.75% - 17.90% Variable after that).

Pros:
- No annual fee
- No cash advance fee
- No balance transfer fee
Cons:
- Foreign Transaction Fee

Benefits:
- 1% Cash Back on everyday purchases;
- Travel Accident Insurance up to $500,000;
- Auto Rental Collision Damage Waiver;
- Access 24/7 Card Support for a lost or stolen card, denied transactions, transaction verification, and more.

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Card detail

Black Hills Federal Credit Union Visa Signature® Rewards Business

Annual fee:

Regular APR:

7.75% - 17.90% Variable

Our Rating:

3.78

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1x Point on all purchases.
Balance Transfer APR:
7.75% - 17.90% Variable

Issuer name:
Black Hills Federal Credit Union
Details:
The Visa Signature® Rewards Business Credit Card from BHFCU doesn't charge an annual fee. The Card's APR is 7.75% - 17.90% (Variable).

Pros:
- No annual fee
- No cash advance fee
- No balance transfer fee
Cons:
- Foreign Transaction Fee

Benefits:
- 1x point on all purchases;
- 24 Hour Visa Signature Concierge;
- Auto Rental Collision Damage Waiver;
- $1 Million Travel Accident Insurance;
- Personal Identity Theft.

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Card detail

PNC BusinessOptions® Visa Signature®

Annual fee:

$0 - $500 annually

Regular APR:

16.24% - 22.24% Variable

Our Rating:

3.85

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1.5% Cash Back on purchases.
Intro Offer:
- $750 Make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
Balance Transfer APR:
16.24% - 22.24% Variable

Issuer name:
PNC
Details:
The PNC BusinessOptions® Visa Signature® Credit Card earns 1.5% Cash Back on all purchases. You have the ability to choose your rewards program. The BusinessOptions® Visa Signature® allows you to choose between cash back, miles, and PNC points®.
The APR on purchases and balance transfers ranges from 16.24% to 22.24% (Variable APR).

Pros:
- No Foreign Transaction Fee
Cons:
- Annual Fee
- No Intro APR period

Benefits:
- $750 bonus;
- 1.5% Cash Back on purchases;
- Choose either a pay-in-full option or a revolving credit option to pay off your balance;
- Choice of 3 rewards programs;
- Ability to limit individual employee spending by merchant or purchase category;
- Visa Signature Travel Benefits.

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Card detail

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