Business Credit Cards

The best Chase business credit card is the Chase Ink Business Preferred card because it offers a bonus worth $1,000 for spending $5,000 in the first 3 months. Ink Business Preferred also gives 3 points per $1 spent on travel and select business purchases, plus 1 point per $1 on everything else. Preferred provides free employee cards, too, and has a $0 foreign transaction fee. The annual fee is $95.

The Chase Ink Business Cash card offers the best ongoing cash back bonuses of any Chase business credit card. It has a $500 bonus for spending $3,000 in the first 3 months. And it gives 5% cash back on the first $25,000 spent per year at office supply stores and on internet/cable/phone services. Plus, it offers 2% back on the first $25,000 spent at gas stations and restaurants, along with 1% on everything else. There’s a $99 annual fee.

When it comes to earning cash rewards at a high, flat rate, Ink Business Unlimited comes out on top. It offers unlimited 1.5% cash back on all purchases. And it has the same bonus that Ink Business Cash does. The annual fee is $99.

2019’s Chase Business Credit Card Offers:

• Chase Ink Business Preferred – Best for travel
• United MileagePlus Explorer Business card – Best for no foreign transaction fee
• Marriott Premier Plus Business card – Best hotel card
• Chase Ink Business Cash – Best for no annual fee
• Chase Ink Business Unlimited – Best for cash back
• Southwest Rapid Rewards Premier Business Card – Best airline card

For customers who are frequent flyers, the United MileagePlus Explorer Business card is the best Chase business credit card. It has a $0 foreign transaction fee. It also offers 50,000 miles for spending $3,000 in the first 3 months. And it gives 10,000 bonus miles each year for spending $25,000 or more. It also offers 2 miles per $1 not just on United purchases but also at restaurants, gas stations and office supply stores. There’s 1 mile per $1 on all other purchases. The card provides 2 one-time United Club passes after account opening and each anniversary. And cardholders always get a free first checked bag and priority boarding on United flights. The card waives its $95 annual fee the first year.

The Marriott Premier Plus Business card is best for hotels. It offers 6 points per $1 at Marriott, Ritz Carlton and Starwood Preferred Guest locations. It also gives 4 points per $1 spent at restaurants, gas stations, shipping and internet/cable/phone service. And it offers 75,000 bonus points for spending $3,000 in the first 3 months. Lastly, it gives a free night each account anniversary. The Marriot card has a $99 annual fee.

All Chase business credit cards offer employee cards at no additional cost.

Unfortunately, there aren't that many credit cards you can get without a hard inquiry. Some store cards allow this, but that's about it. Your credit score also places you in the "Fair" credit tier, which also limits your business credit card options. Still, you can check out our Editors' Top Picks of the best business credit cards here.

You might also be interested in WalletHub's credit building guide, which will help you on your road to excellent credit.

The best Citizens Bank business credit card is the Everyday Points Business Mastercard because it has a $0 annual fee and offers 2 points per $1 on all purchases. The Citizens Bank Everyday Points card also has a 20,000-point bonus for spending $5,000 in the first 90 days.

The only other Citizens Bank business credit card is the Business Platinum Mastercard, which has no rewards. However, it also has a $0 annual fee and the potential for a lower APR than the Everyday Points card. Its APR range is 10.24% - 21.24% (V), compared to 13.24% - 23.24% (V) for Everyday Points.

Here’s a comparison of the Citizens Bank business credit cards:

• Best for Rewards: Citizens Bank Everyday Points Business Mastercard.
• Best for a Lower APR: Citizens Bank Business Platinum Mastercard.
• Annual fees: $0 for both Citizens Bank business cards.
• Employee card cost: $0 for both Citizens Bank business cards.
• Credit required: Excellent (750+ credit score) for both Citizens Bank business cards.
• Initial bonus: 20,000 points from the Everyday Points card. None from the Platinum Mastercard.
• Ongoing rewards: 2 points per $1 from the Everyday Points card. None from the Platinum Mastercard.
• Intro APR: 0% for 6 months on purchases with the Everyday Points card. 0% for 6 months on purchases with the Platinum Mastercard.
• Regular APR: 13.24% - 23.24% (V) on the Everyday Points card. 10.24% - 21.24% (V) on the Platinum Mastercard.

While both of the Citizens Bank business credit cards have decent terms, they’re not the best offers on the market. There are lots of really rewarding business credit cards available right now.

For example, the Capital One Spark Cash for Business card offers unlimited 2% cash back on all purchases as well as up to $2,000 in initial bonuses. And the Chase Ink Business Preferred card has a sign-up bonus worth $1,000 in travel and gives up to 3 points per $1 on purchases.

There are several easy approval business credit cards. That’s because the easiest business credit cards to get only require fair or bad credit. They include Capital One Spark Classic for Business,  the Staples Business Credit Card, and the Wells Fargo Business Secured Credit Card. It’s also worth noting that while you must have a business to get one of these cards, your personal credit history matters a lot more than your company’s.

Here are your options for easy approval business credit cards:

• Limited Credit: Capital One Spark Classic for Business
  You’ll get 1% cash back on all purchases. There’s no annual fee, and the purchase APR is 24.24%.
• Fair Credit: Staples Business Credit Card
  You’ll save $50 on a purchase of $150 or more made within 45 days of opening your account. You’ll also get 5% back in Staples credit for each purchase. There’s no annual fee. Your APR will be somewhere between 14.99% and 23.99%, depending on credit worthiness.
  
• Bad Credit: Wells Fargo Business Secured Credit Card
  You’ll get 1.5% cash back on purchases. The annual fee is $25. The minimum security deposit is $500. And the APR is 16.40%. The BBVA Compass Business Secured Card is another good option.
  
• Personal Option: Discover it Secured Credit Card

You’ll get 2% cash back on the first $1,000 you spend at gas stations and restaurants each quarter. You’ll get 1% cash back on all other purchases. Discover matches the cash back you earn the first year. There’s no annual fee, the APR is 24.24%, and the minimum deposit is $200.

There are a few easy approval business credit cards, so you shouldn’t let limited or damaged credit prevent you from getting the card your business needs. And remember, if you pay your bills on time and keep your credit utilization ratio low, your credit should steadily improve over time.

The best high limit business credit cards are also the best business credit cards for people with excellent or good credit. The better your credit situation (both personal and business) is, the more responsible you’ll seem to lenders, and the more likely they’ll be to give you a higher credit line. And although there’s no way to know the maximum on these cards (as the companies themselves don’t give such a number), you can find out the minimum credit limit. The list below has some of your best options, along with their minimum limit and a few other facts.

Here are some of the best high limit business credit cards:

• Chase Ink Business Preferred: Minimum credit limit of $5,000, but could start at more than $25,000. 3 points per dollar spent in categories that rotate every year, 1 point per dollar on everything else. $95 annual fee. Requires excellent credit.
• Chase Ink Business Cash: Minimum credit limit of $3,000, but could start at more than $25,000. 5% cash back on your first $25,000 spent at office supply stores and on tv/internet/phone; 2% on your first $25,000 of gas; 1% on everything else. No annual fee. Requires excellent credit.
• Capital One Spark Cash for Business: Minimum credit limit of $2,000. Unlimited 2% cash back on all purchases. $95 annual fee waived first year. Requires good credit.

Depending on how good your credit is, you may receive a lot more than the minimum. Just look at Ink Business Cash. You’re guaranteed $3,000, but if they think you’re creditworthy enough, you can have $25,000+ as your starting limit. Your credit will have to be pretty flawless to attain that though, and you’ll need to show that your income and assets allow you to spend that much. In any case, like most credit cards, business cards will often give you credit limit increases over time if you pay on time. So don’t be late and keep your credit in good shape and you’ll usually see your credit go up over time.