Maria Adams, Credit Cards Moderator
@m_adams
Getting your first business credit card is beneficial because it often comes with a higher credit limit than a personal credit card. Business cards also come with better rewards; you can make the same purchases you normally would for your business and earn more points. Businesses can also distribute credit cards to employees as expense accounts. All eligible spending on an employee’s business card earns rewards toward your account.
5 Steps for Getting Your First Business Credit Card
- Check your credit, because most issuers will decide about your application partly based on your personal credit score
- Keep in mind that even a side hustle or freelancing makes you eligible for a small business credit card
- Find the business credit card that best suits your needs. Maybe you want travel rewards, or rewards you can redeem for business related purchases like office supplies. Weigh your options, but also your needs. By having higher credit limits, rewards business cards could be very lucrative
- Pay attention to the requirements and apply for the business card of your choice
- Be responsible by always paying your bills on time and possibly in full
Another great advice about business credit cards is to try to use them for business expenses only. It’s best to keep personal and business spending separate.Whatever your needs may be, you have plenty of good business cards to choose from.
People also ask
How do I get a business credit card?
You can get a business credit card by applying through a bank or credit union. Some issuers allow you to apply online, while others require in-person application at a branch. When you apply, you will need to provide your Tax ID Number (TIN) or Employer ID Number (EIN) along with your Social Security number. To qualify, a business credit card applicant must be an owner or partner in a business, which may include sole proprietorships, independent contractors...
read full answer by WalletHub, Financial CompanyWhat is a good first business credit card to get?
The U.S. Bank Triple Cash Rewards Visa® Business Card is a good business credit card to start with because it has a $0 annual fee and valuable rewards. It starts you off with an initial bonus of $500 cash back for spending $4,500 in the first 150 days, and you will continue to earn 1 - 5% cash back on purchases. The card requires you to have at least good credit personally in order to qualify.
If you are looking for your first credit card ever, meaning you’ve never had a card personally before, the...
read full answer by Maria Adams, Credit Cards ModeratorWhat is the easiest business credit card to get?
The easiest business credit cards to get are secured business credit cards, such as the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card. It accepts applicants with bad credit and doesn't even require a minimum credit score, making it very easy to get. This card also rewards you with 1.5% cash back on all purchases and has a $0 annual fee.
Easiest Business Credit Cards to Get in 2025
- Best for Bad Credit: Business Advantage Unlimited Cash Rewards Secured Card
- Best for No Credit: Capital One Spark Classic for Business *
- Best for 0% APR and...
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