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Best Business Credit Cards for Startups of November 2022

Compare 91 credit cards for startup on Myfin.us.

Best Credit Cards for Startup in November 2022

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Capital One Spark Miles for Business best for Walmart purchases

Capital One Spark® Miles
Annual fee:
$0 intro for the first year
$95 thereafter
Regular APR:
23.99% Variable
Our Rating:
4.26
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • Intro Offer:
    • 50,000x Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
  • Balance Transfer APR:
    23.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

    The Card's APR for both purchases and transfers is 23.99%.

    The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

    Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

  • Pros:
    • Attractive sign-up bonus
    • No foreign transaction fees
  • Cons:
    • No 0% APR period
    • Annual fee after the first year
  • Benefits:
    • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • $100 Travel Credit;
    • Capital One Lounge.
View all Spark® Miles details
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On Capital One‘s site
Card detail
Capital One® Spark Cash Plus
Annual fee:
$150 annually
Regular APR:
None *
Our Rating:
3.62
scorer
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:
    • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
  • 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 up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

    The Card's annual fee is $150.

  • Pros:
    • No foreign transaction fees
  • Cons:
    • Annual Fee
  • Benefits:
    • Up to $1,000 in the first 6 months;
    • $200 cash bonus every year you spend $200,000 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.
View all Spark Cash Plus details
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On Capital One‘s site
Card detail
Capital One® Spark® Cash Select
Annual fee:
$0
Regular APR:
16.24% - 22.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
    • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • Intro Offer:
    • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
  • Balance Transfer APR:
    16.24% - 22.24% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

    The Spark® Cash Select Card doesn't charge an annual fee.

    The card's APR is 16.24% - 22.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
    • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
    • 1.5% Cash Back for your business on every purchase;
    • $0 Fraud Liability;
    • Free Employee Cards;
    • Roadside Assistance.
View all Spark® Cash Select details
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On Capital One‘s site
Card detail
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
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On Cross River Bank‘s site
Card detail
US bank Triple Cash Rewards Visa® Business
Annual fee:
$0
Regular APR:
17.74% - 26.74% Variable
Our Rating:
5
scorer
Credit 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:
    17.74% - 26.74% 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 17.74% - 26.74%.

  • 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
Regions Visa® Business
Annual fee:
$0
Regular APR:
11.74% - 22.74% Variable
Our Rating:
2.98
scorer
Credit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    11.74% - 22.74% 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, 11.74% - 22.74% 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
PNC BusinessOptions® Visa Signature®
Annual fee:
$0 - $500 annually
Regular APR:
13.24% - 19.24% Variable
Our Rating:
4.08
scorer
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:
    13.24% - 19.24% 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 13.24% to 19.24% (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.
Card detail
Truist Bank Business Travel Rewards
Annual fee:
$0 introductory annual fee for the first year
$49 thereafter
Regular APR:
14.49% - 23.49% Variable
Our Rating:
4.42
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging.
    • 1x Mile for each $1.00 in eligible purchases.
  • Intro Offer:
    • 20,000x Bonus miles when you spend $2,000 within 90 days of account opening.
  • Balance Transfer APR:
    14.49% - 23.49% Variable
  • Issuer name:
    Truist Bank
  • Details:

    The Truist Bank Business Travel Rewards Credit Card earns 20,000 miles when you spend $2,000 within 90 days of account opening. The Card offers 2x miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging and 1x mile for each $1.00 in eligible purchases.

    The Card's annual fee: $0 introductory annual fee for the first year, $49 thereafter. The APR for purchases and balance transfers is 14.49% - 23.49% Variable.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • Annual Fee
  • Benefits:
    • 20,000 miles when you spend $2,000 within 90 days of account opening;
    • 2x miles for each $1.00 in eligible purchases on airline tickets, car rentals or hotel lodging;
    • 1x mile for each $1.00 in eligible purchases;
    • Up to $85 statement credit per organization every 4 years towards TSA PreCheck® or Global Entry® application fee reimbursement;
    • Loyalty Travel Bonus;
    • Zero Liability protection;
    • Digital account management through Truist Online Banking and Truist eZBusiness.
Card detail
M&T Bank Business
Annual fee:
$0
Regular APR:
10.99% - 17.99% Variable
Our Rating:
4.18
scorer
Credit 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
Credit 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