Business Credit Cards for Good Credit
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Business credit cards for good credit are designed for small business owners with credit scores in the 660-719 range and are likely to offer attractive rewards and low rates. If you are unsure of your credit standing, you probably have good credit if you’ve had a loan or credit card for over three years, your credit card’s limit is greater than $5,000 and you haven’t been late on a credit card, loan or medical bill payment in the last 12 months. While this is just an approximation, getting a sense of your credit is important, given that your credit standing, and not that of your business, is one of the most important factors in business credit card approval. Business credit cards are actually more closely tied to individual consumers than many people think. According to a WalletHub study, small business owners are usually held personally liable for business credit card use, and information about this use is often relayed to their personal credit reports. As a result, below you will find credit card offers (some of which are issued by WalletHub partners) specifically geared toward small business owners as well as general-consumer credit cards for good credit.
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Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsSee details for transfer fee
Regular APR
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14.99% - 20.99% (V)
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Additional Info
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash℠ Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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14.74% - 22.74% (V)
Rewards Details
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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14.74% - 22.74% (V)
Rewards Details
- Earn 1.5 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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18.74% (V)
Annual Fee
$0 for 1st yr, $95 after
Rewards Rate
2% Cash Back
Minimum Credit
Good
Rewards Details
- Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Use Spark Cash across all your business spend, with no categories to limit your purchasing
- $0 intro annual fee for the first year; $95 after that
- See More Details & Reviews About TheCapital One® Spark® Cash for Business
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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12.99% - 20.99% (V)
Rewards Details
- Limited Time Offer. Earn 10,000 extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Offer ends 9/26/2018.
- Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
- 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- More buying power for your business* means more opportunities to earn points. That’s everyday business with the new Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99%, 16.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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Not Applicable for Charge Cards
Annual Fee
None 1st yr, $175 after
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
- Get 3x points - Choose 1 out of 5 categories
- Plus, 2X points on the 4 remaining categories and 1X points on other purchases
- 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
- Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
- Terms and limitations apply
Additional Info
- No foreign transaction fees
- $0 introductory annual fee for the first year, then $175
- See More Details & Reviews About The Business Gold Rewards Card from American Express OPEN
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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Not Offered
Regular APR
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13.99% - 20.99% (V)
Rewards Details
- Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
- Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
- With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
- Terms apply
Additional Info
- Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 13.99% - 20.99%
- No annual fee
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
- See More Details & Reviews About TheSimplyCash® Plus Business Credit Card from American Express
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.74% - 22.74% (V)
Rewards Details
- Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
- Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
Additional Info
- No foreign transaction fees
- Employee cards at no additional cost
- $95 Annual Fee
- See More Details & Reviews About TheInk Business Preferred℠ Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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18.74% (V)
Annual Fee
$0 for 1st yr, $95 after
Rewards Rate
2 miles / $1
Minimum Credit
Good
Rewards Details
- Earn 2 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Redeem miles for travel, cash back, gift cards and more
Additional Info
- $0 intro annual fee for the first year; $95 after that
- No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
- See More Details & Reviews About TheCapital One® Spark® Miles for Business
Rates & Fees | Terms Apply
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 26.49% (V)
Annual Fee
None 1st yr, $95 after
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
- Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
- Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
- Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
- Terms and limitations apply
Additional Info
- Pay no foreign transaction fees when you spend overseas.
- $0 introductory annual fee for the first year, then $95.
- See More Details & Reviews About TheGold Delta SkyMiles® Business Credit Card from American Express
Community Discussion
Comparing Business Credit Cards for Good Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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