- WalletHub's Picks
- How we picked the best credit cards for new businesses
- About the author
- Sources
- User questions & answers
- Expert opinions
WalletHub's Picks for the Best Business Credit Cards for New Businesses
WalletHub’s editors compared 1,500+ credit card offers based on their suitability for new companies and entrepreneurs of all credit levels. The following cards ultimately rose to the top.
Best Business Credit Cards for New Businesses Comparison
| Credit Card | Category | Annual Fee | Credit Score |
| Wells Fargo Signify Business Cash® Card | Overall | $0 | Good |
| Brex Corporate Card for Startups | No Personal Guarantee | $0 | Limited History |
| Capital One Spark Classic for Business * | Building Credit | $0 | Limited History |
| First Federal Community Bank Business Zero+ Card | 0% APR | $0 | Good |
| Business Advantage Unlimited Cash Rewards Secured credit card | Bad Credit | $0 | Bad |
| U.S. Bank Business Altitude® Connect Visa Signature® Card | Travel Rewards | $0 intro 1st yr, $95 after | Good |
If you don’t know where your personal credit currently stands, you can check your credit score for free on WalletHub. Knowing what your credit score is not only helps you find the best credit card for your new business, but it also makes it easier to ensure you’re getting the best deal on your personal loans and lines of credit.
How we picked the best credit cards for new businesses
When evaluating the best credit card options for new businesses, we consider cards for applicants of all credit levels, as approval depends more on the business owner’s personal creditworthiness than how old the company is. Furthermore, we consider business credit cards as well as general-consumer cards because small business owners will be personally liable regardless of which type of card they use. As a result, the card with the most money-saving potential overall is the best choice.
WalletHub’s Key Rating Components
Two-Year Cost: 38% – We estimate each card’s total value over a two-year period by weighing annual fees against the rewards and financing savings a new business is likely to generate.
Rewards: 29% – We assess how well each card rewards typical business spending, considering base earning rates, bonus categories and rates, and the overall value and flexibility of redemption options.
Editor’s Rating: 12% – Our editors evaluate each card’s total package, focusing on its most valuable features, business-focused benefits, and how it compares with other options for new businesses.
Fees: 11% – We examine all costs tied to each card, including annual fees and any additional charges, to gauge overall affordability for a growing business.
User Reviews: 7% – We include user feedback to capture real-world experiences with each card.
Other Features: 3% – We factor in added benefits such as introductory 0% APR offers, expense management tools, employee cards, and travel and purchase protections that can help support new businesses.
Some of the cards are designed for people with below-average credit scores and are evaluated using a slightly different scoring methodology.
About the author
John S Kiernan
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best options for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
