Business Credit Cards

by Cristina  

Business credit cards are popular among business travelers (employers and employees alike) because the cardholder can earn travel rewards bonuses, points, and get discounts by doing nothing more than using their credit card when paying for everything. Some of the business credit cards out there are better than others so it’s important to understand the fine print before you sign the contract because most often there are various fees involved. If you take the correct decision, such cards can bring a lot of satisfaction and quickly earn free travel for their owners.

Popular business credit cards

Chase Business Cash Rewards Visa Card

Our rating: A

Details: The card doesn’t have an annual fee and the APR is 0% for the first year. Starting the second year, the APR is 9.99%. You can get up to 5% cash back on all purchases made with the card, as well as cash bonuses or gift certificates.

Chase Platinum Visa Business Card

Our rating: A

Details: There’s no annual fee and the APR is 0% for the first 12 months. Starting the second year, the APR is 7.99%. Cardholders can get up to 20% discounts on business related purchases including hotel stays, rental cars and computers.

Chase Business Rebate Card

Our rating: A

Details: The card has no annual fee. The APR is the primate rate plus 2.49% and there’s 0% APR on balance transfers for the first 15 months. The card holder gets 3% cash back on specific purchases (any restaurants, office supply stores, gas stations, etc) and 1% cash back on all other purchases.

Blue Cash from American Express

Our rating: A+

Details: The card has no annual fee and the purchase APR is as low as 17.24% and will range between 17.24% and 21.24% . The cardholders earn up to 5% cash back on “everyday purchases” and up to 1.5% cash back on “general purchases”. The intro rate is 0% for Purchases for 6 months.

Preferred Rewards Gold Card

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Our rating: B-

Details: The annual fee is $125, but the sum is waived for the first year. There isn’t any available information about the APR. Each dollar earns 1 point. Bonus points are available after the first purchase and after the cardholder spends $500 in 3 months. Points can be redeemed for travel rewards at over 21 airlines, as well as other types of rewards.

Blue from American Express

Our rating: A

Details: The card has no annual fee. The purchase APR is as low as 11.49% and will vary between 10.24% and 17.24%. The cardholder earns points which can be redeemed for a variety of services: airline, hotel, merchandise, and gift certificates. The Membership Rewards Express® can be combined with various frequent flyer programs.

Platinum Business FreedomPass(SM) Credit Card


Our rating: A

Details: The card has no annual fee and 0% intro APR for first 12 months. The APR for purchases is variable (8.99%, 10.99%, 12.99% or14.99%) thereafter, based on your credit history. The Balance Transfer APR is 7.99% fixed for the life of the balance. One point is earned for each dollar spent on all purchases and the points can be redeemed for discounts on purchases at airlines, hotels, car rentals, cruise lines, travel agencies, tour operators, and on-line travel sites.

Visa Black Card

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Our rating: A

Details: Visa Black Card is aimed at the high profile clients with excellent credit. As part of the membership, they get 1% cash back on purchases or earn points (1 point for each dollar spent). Points can be redeemed for travel on any airline at anytime. Cardholders can use their travel lounge Priority Pass and benefit from other perks as well.

What benefits can business credit cards bring to the cardholder?

Business credit cards can also act like airline mileage credit cards and hence bring the cardholder points which can be redeemed for discounts at certain retails, free flights or discounted flights at certain airlines and other travel services.

Other business cards allow the cardholder to earn points which can be redeemed for free nights at certain hotels.

The majority of business cards allow the cardholder to earn points which can be redeemed for discounts at certain stores, discount coupons, prizes and even cash.

The information contained on this page is meant as a summary and is deemed accurate although not guaranteed. Many factors, including periodic program changes by the banks providing these cards may change at any time, and we highly recommend reading the details if applying for any credit card, including the ones listed on this page.

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