You won’t get approved for a business credit card that requires excellent credit if your personal credit is just fair, for example. And that’s true even if your business has a stellar payment history. Plus, you probably don’t want hotel or airline rewards, for instance, if you hardly ever travel for business.
With that in mind, WalletHub’s editors compared 1,000+ credit cards based on their minimum credit requirements and major features to find the best offers for the most common business needs. Here are the top small business credit card offers available now.
2018’s Best Business Credit Cards
|Best For…||Card Name||Annual Fee||Credit Required||Editor’s Rating|
|Cash Back||Capital One® Spark® Cash for Business||$0 for 1st yr, $95 after||Good||5.0 / 5|
|Travel Rewards||Ink Business Preferred℠ Credit Card||$95||Good||5.0 / 5|
|Rewards & 0% APR||SimplyCash® Plus Business Credit Card from American Express||None||Good||4.0 / 5|
|Hotel Rewards||Starwood Preferred Guest® Business Credit Card from American Express||None 1st yr, $95 after||Good||4.5 / 5|
|Balance Transfers||The Amex EveryDay® Credit Card from American Express||None||Good||5.0 / 5|
|Building Credit||Capital One® Spark® Classic for Business||None||Limited History||3.5 / 5|
|Rebuilding Credit||Wells Fargo Business Secured Credit Card||$25||Bad||N/A|
The key to picking the right business credit card is to know yourself. That includes knowing what types of purchases you’re likely to make, whether you’ll pay your bill in full each month, and what features you need most. You also need to know your personal credit standing. If you don’t, you can check your latest credit score for free on WalletHub.
For more information on the top offers you have to choose from, make sure to check out WalletHub’s complete review of the year’s best business credit cards.