Business Credit Cards

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Business credit cards are those designed for businesses of all sizes, from small companies to large corporations. They are perfect for company owners who need help tracking their expenses or who just need a little extra buying power. Many cards have some type of reward system attached to them so that you can earn cash back or miles on the airline of your choice. Here are the top four business credit cards available right now. more »

The Best 4 Business Credit Cards:

For full listing of Business credit cards & complete features, see: All Business Credit Cards

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card

U.S. Bank FlexPerks® Business Cash Rewards Visa® Card
This U.S. Bank credit card offers a zero percent introductory APR, which lasts for 15 months, on both balance transfers and purchases.  After that, the APR is a variable rate between 11.99 and 17.99 percent.  Users earn three percent cash back on gas, mobile purchases, and money spent on office supplies at certain retailers.  All other types of purchases earn the user one percent cash back.  There is no limit on the amount of cash rewards that can be earned.  Card holders who make at least one purchase on the card per year do not pay an annual fee.  However, those who don’t will pay a $25 annual fee.  Applicants must have excellent credit in order to be approved for this card.

The Bottom Line: The U.S. Bank FlexPerks® Business Cash Rewards Visa® Card earns 4.9 out of five stars because it has everything a business owner could want: cash back rewards, no annual fee, and a low APR.
CardSight Rating: 4.9/5.0
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U.S. Bank FlexPerks® Business Travel Rewards Visa® Card

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
The U.S. Bank FlexPerks® Business Travel Rewards Visa® Card is designed for businesses with employees who do an extensive amount of traveling. The introductory APR on the card is zero percent, and after 12 billing cycles it goes to a variable rate of 11.99 to 17.99 percent.  Users earn 15,000 bonus FlexPoints if they make $500 in net purchases within the first three months of having the card.  Card holders earn one FlexPoint for every dollar of eligible purchases made to the card and two FlexPoints for every dollar spent on airfare, office supplies, or gas in the one of those three categories the user spends the most.  Most mobile phone purchases also qualify.  Charitable donations made on the card earn three FlexPoints for every dollar.  Users also have the opportunity to earn 5,000 FlexPoints when they make a referral and the person acquires and uses the card.  There is also an airline allowance of up to $25 accompanying each award travel ticket.  The allowance can be used for baggage fees, in-flight drinks or food, or other trip-related expenses.  There is no annual fee the first year of having the card.  After the first year, a $55 annual fee applies unless the user makes at least $24,000 in purchases during the year.

The Bottom Line: This card earns 4.8 out of five stars as a business credit card.  Companies with employees who travel frequently will find this card especially helpful, although you do have to make many purchases to avoid the annual fee.
CardSight Rating: 4.8/5.0

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PEX Visa Prepaid Card for Business

PEX Visa® Prepaid Card For Business
The PEX Visa Prepaid Card for Business is designed for business owners who want to give their employees a credit card but need to control how much they spend.    No credit check is required to get this card.  There is a free trial period of two months during which users do not pay the monthly fee.  After the trial period there is a $7.50 monthly fee.  There are no transaction or deposit fees.

The Bottom Line: This card earns 4.3 out of five stars.  It’s a great option for business owners who need to control spending.  It’s difficult to do business without having a credit card, so this prepaid card makes it possible to have a credit card while easily being able to place limits on its use.
CardSight Rating: 4.3/5.0

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Applied Bank® Visa® Business Card

Applied Bank® Visa®  Business Card
This business credit card is designed for entrepreneurs or sole proprietors of small businesses.  It’s fairly easy to get approved for this card, even for business owners who do not have very good credit.  However, it comes with a fixed APR of 23.99 percent.  Card holders who tend to pay their bill late are subject to a 29.99 percent APR.  There is a $9.95 monthly maintenance fee and a one-time account origination fee of $125.

The Bottom Line: We rate this card 4.1 out of five stars.  It’s a good card for business owners who need help repairing their credit, but that’s about the extent of its usefulness.
CardSight Rating: 4.1/5.0

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