Side gigs like dog-walking, owning an Etsy shop, or mowing lawns can qualify as businesses. Below is a running list of companies with credit card … In those cases, your personal credit would be affected by your business credit activity. Ink Business Cash® Credit Card Why this is one of the best business credit cards: This card rewards you with cash back for everyday spending, including 5% back on the first $25,000 in combined purchases annually at office supply stores and on internet, cable and phone services. The majority of small-business leaders (53%) agree that they will need either an increase in sales or some type of assistance just to stay in business this year. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year. *, Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*. to maintain accurate information. It also comes with no annual fee and a 0% intro APR for 12 months on purchases – it’s 13.24%–19.24% variable after that. Capital … New Offer: Earn a $150 statement credit after your first purchase on the Hilton Honors Card within your first 3 months. Your personal information and data are protected with 256-bit encryption. A good personal credit score can help you acquire your first lines of business credit. The primary reason to get a business credit card is to help you keep your business and personal expenses separate, which is important for filing taxes. At this point, you’ll be ready to make an informed decision with your business’s unique needs in mind. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. 10-20x higher limits than traditional business credit cards while keeping your personal credit protected. Credit Cards for Businesses. This means if you stop making payments on the card because the business fails, the bank can come after you personally to recover the debt. Earn 70,000 points after you spend $5,000 on purchases in the first 3 months your account is open. 2. If you’re working from home for the foreseeable future, this cash back reward can be a great benefit for providing your employees the services they need to stay productive online. Employee cards at no additional cost, earn points on employee spending. The Business Platinum Card® from American Express: Best for Luxury Travel. Currently, one of the easiest business credit cards to get is the Capital One Spark Classic for Business, a flat-rate cash back card offering 1% cash back on every purchase. Axis Bank offers Axis Miles and More Select Credit Card and Axis Miles and More World Credit card. Business credit cards are simply credit cards designed for business use rather than personal use. And the best credit cards do both — but this list of the most elite credit cards goes beyond them all, offering perks like 24/7 concierge service, access to private jets, and even gold-plated cards. That’s everyday business with the Blue Business Plus Card. With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information. Most frequently, you’ll be given a discount on your first purchase, usually ranging between 10% and 20%. Just remember, the amount you can spend above your credit limit is not unlimited. Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. You can get up to 1 million additional points per year. However, all credit card information is presented without warranty. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, flexible payment options, and Membership Rewards ® points ‡.Choose the Small Business Card from American Express that's right for your business. This card’s annual fee is $250, which is on the lower end when compared to other luxury travel cards. Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Start building credit for your business. Redeem rewards on millions of items during checkout at  Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement. Each Comenity credit card typically comes with some sort of incentive. That includes those who have dipped into a personal savings account (21%), used a personal credit card (24%) or both (10%). MQMs are used to determine Medallion Status and are different from the miles you earn toward flights. Another good strategy: If you have multiple cards with balances and are able to put some money toward your debt, prioritize the highest interest rates in order to reduce the total interest expense. Terms apply. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening. Pre-qualified offers are not binding. Whether you’re a freelancer or the owner of a brick and mortar storefront, responsible use of a business credit card can save you thousands every year. Start building credit for your business. CreditCards.com commissioned YouGov Plc to conduct the survey. 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. Some credit cards are just a tool for managing your credit. They can help you organize expenses, earn rewards and save on interest payments, so even if your business’s spending is modest, choosing the right business credit card can save you large sums of money each fiscal year. That’s everyday business with the Blue Business Plus Card. Find the best card offers for your business and apply today. 30-day payment cycle. Earn 1 Mile on every eligible dollar spent on purchases. Business credit cards are available to companies of any size and can be used to help build a credit profile, as well as manage employees’ expenses. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. Business cards also tend to come with higher credit limits than personal cards and are more likely to offer rewards in business-related spending categories, such as office supplies and phone and internet expenses. But “business” is defined broadly when it comes to credit cards. NerdWallet's ratings are determined by our editorial team. Our list contains data for over 800 credit cards including travel rewards, cash back, balance transfer, small business, and more. Business credit cards with no personal guarantee often don’t report to personal credit, and since you’re not personally liable for the debt — they won’t report to personal credit even if … You can find discounts and rewards on utility services, shipping and other common business expenses. Small business credit cards are an easy way to start building credit for your business – so you have the credit when you’re ready to take your business to the next level. See the online credit card applications for details about the terms and conditions of an offer. The annual fee is only $99 and is waived the first year. The Walmart Business Store Card might be right for you if you find yourself shopping at one of the chain’s 6,300 locations in the United States.. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Unlike traditional lines of credit, these cards give you the flexibility on monthly payments (minimum payments vs full balance vs something else). To start, it charges a ton of fees – including a $48 annual fee, a $30 fee per additional or replacement card and a $12.50 fee for making your card payment by phone. You’ll also earn 2X points for up to $50,000 a year on business expenses like office supplies and client dinners, and 1 point per dollar thereafter. If you submit a business credit card application with only your EIN, most banks won’t process the application until it can conduct a credit check on the … It varies from application to application, but here are some common required fields on business credit card applications. Today, that number is much larger. $0 introductory annual fee for the first year, then $99, Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year, Up to $150,000 annually, then 1 point per dollar. Your business may be small, but your credit card rewards don’t have to be with these credit cards, some of which are from our partners. )”, says Ted Rossman, our industry analyst. To have a separate account for them number of small businesses, credit cards designed for with! Better benefits than others primary business credit and get organized with expense tracking tools approved for a list. 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