Business Credit Cards

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

Discover Business Miles Card

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Our rating: A

Details: The card has no annual fee and the APR is 0% until July 2009. Then it’s only 12.99%. On your first $5,000 spent on gas and travel purchases, each dollar spent earns 2 miles. After that amount, each dollar spent on all other purchases earns the user a mile. There are no limits and restrictions to the amount of miles which can be earned. You can redeem the miles for gifts, cash or credit them back into your account.

Gold Delta SkyMiles Business Credit Card

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Our rating: B+

Details: The annual fee is $95 ($40 if you are a qualified American Express Cardmember) and the APR is 14.99%. Each dollar spent earns the owner one SkyMile credit, which is equal to one mile. In participant locations, each dollar spent earns the owner two SkyMile credits. Bonus are also offered. You can redeem the points for discounts at retailers, Delta flights savings, and more.

Starwood Preferred Guest Business Credit Card from American Express

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Our rating: A

Details:No annual fee during the first year, $45 annual fee starting the second year. The APR is 2.90% during the first 6 months and 14.99% afterwards. Using the card at participating Starwood properties and retail outlets earns 2 points for each dollar spent. All other purchases earn 1 point per dollar spent. You can redeem the points for free hotel stays or transfer the points to other frequent flyer programs.

JetBlue Business Credit Card from American Express

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Our rating: B

Details: The annual fee is $40 and there’s 3.99% APR for 6 Months for balance transfers. APR is 14.99% variable. Using the cards earns 2 Award Dollars (points) for each dollar spent on JetBlue flights, gas, wireless phone charges, car rentals, and office supplies and equipment and 1 Award Dollar is earned for each dollar spent on all other purchases. Points can be redeemed for free flights with JetBlue (200 Award Dollars equal to 1 TrueBlue point and 100 TrueBlue points equal to one RT flight. The card offers an exclusive benefit for JetBlue Business Cardmembers: 5% savings on
JetBlue flights purchased with the card.

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.

TrueEarnings Business Card from Costco and American Express

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Our rating: B

Details: The APR is 0% for the first 3 months and 15.99% after that. There is no annual fee and the card earns the owner cash rewards between 1% and 5% of the purchases, depending on where the card is used. The rewards are redeemed in the form of in-store coupons which can be used to purchase merchandise at any Costco Warehouse in US or for cash. Additionally, the cardholder can save an additional 3-25% on business purchases at companies like
FedEx, Delta, Hertz, and more.

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

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Our rating: A+

Details: The card has no annual fee and the purchase APR is as low as 12.49% and will range between 12.49% and 18.49% . The cardholders earn up to 5% cash back on “everyday purchases” and up to 1.5% cash back on “general purchases”.

Preferred Rewards Green Card

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Our rating: B

Details: The card has no annual fee during the first year. Starting with the second year the annual fee is $95. There isn’t any information available about the APR. Each dollar earns 1 point for all purchases. Points can be redeemed for rewards from 21 partner airlines or transferred to 17 frequent flyer programs.

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.

Advanta Business World MasterCard

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Our rating: B

Details: The card has no annual fee and the APR is 19.99%. The cardholder can purchase 1000 points with $10, deductible directly from the card. The points can be redeemed for travel, certificates and merchandise or cash ($50 requires the redemption of 5,000 points).

Platinum BusinessCard with Unlimited Rewards

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Our rating: A

Details: The card has no annual fee and the APR is 0% on balance transfers for 15 months and 7.99% fixed APR thereafter. The cash advance APR is 19.99%. The cardholder gets unlimited rewards. There’s no limit on the total rewards which can be earned.

Blue Cash for Business Credit Card

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Our rating: A

Details: The card has no annual fee and there’s 0% Introductory APR for 6 months on purchases. The APR is variable (7.99%, 9.99%, 11.99%, or 14.99%) thereafter based on your credit history. The card also has a 7.99% introductory rate on balance transfers for 6 months. There’s no limit to the cash rewards and the amount of rebate is determined by the total annual spend to date as of the day the purchase is made and can be 1%, 2% or 5%, as well as 0.5%, 1% or 2.5% on all other purchases. The “OPEN Savings” Participants include FedEx®, Hertz® and many more merchants. The cardholder can choose to either pay in full or over time.

Advanta Customizable Platinum BusinessCard with Unlimited Rewards

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Our rating: A

Details: The card has no annual fee and there’s no limit on the total rewards the cardholder can earn. The APR is 0% on balance transfers for 15 months and 7.99% fixed APR thereafter. The cash advance APR is 19.99%. The cardholder gets unlimited rewards.

Blue from American Express

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Our rating: A

Details: The card has no annual fee. The purchase APR is as low as 11.49% and will vary between 11.49% and 18.49%. 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.

Discover Business Card

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Our rating: A-

Details: The card has annual fee and there’s 0% APR for the first 12 months on purchases. After that, the APR is 12.99%. The cardholder can earn up to 5% cash back rewards on all purchases. Double reward is earned at participating retailers and merchants.

SimplyCash Business Card from American Express

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Our rating: A

Details: The card has no annual fee and the APR is 0% for purchases for up to 12 months. Thereafter, the APR can be 5.00%, 8.99%, 11.99%, or 14.99%, depending on your credit history. As part of the rewards program, the cardholder can earn 1%, 3% or 5% cash rebates depending on the product/service purchased. Additional discounts at participant merchants.

Blue for Business Credit Card

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Our rating: A

Details: The card has no annual fee and the APR is 0% for purchases for up to 15 months. After that, the APR is as low as 11.25%, depending on your credit history. The introductory rate for balance transfers is fixed at 4.99% for the life of the loan if posted within the first 45 days of membership. As part of the rewards program, each dollar spent on any purchase earns 1 point. The points never expire and can be used to get airline tickets, hotel stays and rebates at participant merchants. Discounts at “OPEN Saving” partner companies are also available.

The Gold Card from American Express OPEN(SM)

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Our rating: A+

Details: For the first year the card has no annual fee but starting with the second year the fee is $125. However, the very flexible rewards program makes it one of the best cards on the market. For each dollar spent you earn one point. Points never expire and there is no limit to the amount of points earned. Points can be redeemed for rewards from 21 airlines, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats. Points can be transferred to 11 frequent flyer programs (1 point for 1 mile) and points can also be redeemed for rewards from over 50 participant stores. Rewards can be reinvested in the business.

The Platinum Business Credit Card

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Our rating: A

Details: The card has no annual fee. The APR is 0% for 12 months. Thereafter the APR is 7.99%,9.99%,11.99% or 14.99%, depending on your credit history. Also, there’s 4.99% APR fixed for the life of the balance for balance transfers. As part of the rewards program, each dollar spent on any purchase earns 1 point. The points never expire and can be used to get airline tickets, hotel stays and rebates at participant merchants. Discounts at “OPEN Saving” partner companies are also available.

Business Green Rewards Card

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Our rating: A

Details: The annual fee is $95 but is waived for the first year. There’s no APR as the balance must be paid when the billing statement is received. As part of the rewards system, 1 dollar spent earns 1 point. Points never expire and can be redeemed for a variety of products and services: rewards from 21 airlines, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats; transfer points into 11 frequent flyer programs (1 mile = 1 point); or rewards from over 50 partner merchants.

Advanta Platinum 90-Day Interest Free BusinessCard

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Our rating: A

Details: The card has no annual fee, no interest for 90 days on purchases and the APR is 19.99%. Each dollar earns 1 point and points can be redeemed for travel, certificates and merchandise, as well as cash.

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.

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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