Which business credit cards help build business credit?

Many business credit cards help build business credit by reporting monthly to business credit bureaus. Eight of the top 10 credit card issuers report to one or more of the major business credit reporting agencies: Dun & Bradstreet, Equifax, and Experian. Business credit cards from some issuers also report your account activity to the major consumer credit bureaus – Equifax, Experian, and TransUnion – which could help you build your personal credit history, as well.

The best business credit card to help build business credit is the Ink Business Preferred® Credit Card because it reports to the major business credit bureaus and offers 1 - 3 points per $1. There’s also an initial bonus of 90,000 points for spending $8,000 in the first 3 months.

Regularly using business credit cards for business-related purchases and working with vendors that report to business credit bureaus can help you establish business credit history. Business credit cards can also help you keep your business and personal expenses separate and allow you to earn rewards on purchases.

Best Business Credit Cards to Help Build Business Credit

Remember, a business credit card can only help you build business credit if you manage the account responsibly. That means paying your credit card bill on time and keeping your balances low. To know for certain if a specific business credit card reports to business credit bureaus, review the card’s terms and conditions or check your business credit reports. Contacting the issuer directly is also an option. For more details, check out our guide on how to build business credit.