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New credit cards for small businesses will become ubiquitous in 2022, making it easier and more secure to manage finances. Here are the 10 best options for startups at various stages of development.
The “startup business credit cards ein only” is a list of the 10 best credit cards for startups in 2022.
Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.
Due to one-time or recurrent expenditures, startup expenses might be considerable. Large one-time purchases may help you earn an introduction bonus more quickly, while recurrent spending can help you earn continuing benefits. To find the top business credit cards for startups, we compared cash back benefits with statement credits and point accumulation for items and vacation.
Do you wish to compare the characteristics of two cards? We’ve made it simple for you to do so by allowing you to check off up to three cards on this page and adding them to your basket. You’ll be able to compare the information in a side-by-side comparison this way.
Best Overall Credit Card for Startups: Chase Ink Business Cash®
Credit Card Ink Business Cash®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Businesses that are headquartered in an office and wish to earn a lot of money back
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Chase’s Protected Website
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Intro APR
Purchases are tax-free., there is an introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
- Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- There is There is There is There is There is There is no yearly charge……
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Spending on office supplies reaps the most benefits.
- On purchases, there is an introductory APR.
- Sign-up bonus in cash
Cons
- Balance transfers are not eligible for the 0% APR.
- A Balance transfer fees are 5%. is charged.
- Designed mostly for office-based businesses.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.
Intro APR
Purchases are tax-free., there is an introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
Credit is required.
Excellent, Excellent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
- Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- There is There is There is There is There is There is no yearly charge……
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Spending on office supplies reaps the most benefits.
- On purchases, there is an introductory APR.
- Sign-up bonus in cash
Cons
- Balance transfers are not eligible for the 0% APR.
- A Balance transfer fees are 5%. is charged.
- Designed mostly for office-based businesses.
- When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.
Why we like it: We’ve selected the Chase Ink Business CashSM card as the best overall credit card for startups, thanks to its strong rewards. When you’re a new business owner setting up an office (or a home office), this card offers 5% cash back on office supplies, internet, cable, and phone up to $25,000 each account anniversary year. If you’re often on the move, you also get 2% back on the first $25,000 at restaurants and gas stations, and 1% on all other business purchases, with no cap on rewards earned. Save with a 0% annual percentage rate (APR) for the first 12 months, There is There is There is There is There is There is no yearly charge……, and employee cards at no additional cost. You can redeem your rewards for cash back, gift cards, travel, or at the Apple® Ultimate Rewards Store. And, as a welcome offer, get $750 cash back when you spend $7,500 in the first three months. It’s also one of our choices for the best high-limit business credit cards.
The Best Card for Consultants is the The American Express® Business Gold Card is a credit card issued by American Express..
The American Express® Business Gold Card is a credit card issued by American Express.
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting the most out of your incentives in the two areas where you spend the most
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on The American Express® Business Gold Card is a credit card issued by American Express.’s secure website.
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APR on a regular basis
Variable 14.49 percent – 22.49 percent
Credit is required.
Excellent, Excellent
- Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
- MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
- **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
- AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
- OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
- *Conditions apply.
Pros
- Every month, earn 4x points in two categories.
- Pay qualifying charges over time with interest, or make a monthly payment in full.
Cons
- You’ll have to pay a hefty $295 yearly charge.
- There are no options for interest-free financing.
- Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
- When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
- Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
- Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
- Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.
APR on a regular basis
Variable 14.49 percent – 22.49 percent
Credit is required.
Excellent, Excellent
- Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
- MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
- **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
- AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
- OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
- *Conditions apply.
Pros
- Every month, earn 4x points in two categories.
- Pay qualifying charges over time with interest, or make a monthly payment in full.
Cons
- You’ll have to pay a hefty $295 yearly charge.
- There are no options for interest-free financing.
- Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
- When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
- Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
- Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
- Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.
Why we like it: Are you frequently on the road for your consulting business? Whether you’re flying or driving, you can earn 4x points on the first $150,000 in combined purchases where you spend the most with the The American Express® Business Gold Card is a credit card issued by American Express.. Select from two categories out of six: airfare, gas stations, and restaurants, as well as advertising, shipping, and computer hardware and software (including cloud systems). Earn 1x points for all other purchases. As a Bonus for new customers, earn 70,000 points after you spend $10,000 in eligible purchases during the first three months. It’s one of our picks for the best business credit cards for consultants.
Best Card for Sole Proprietors: Chase Ink Business Unlimited®
Credit Card Ink Business Unlimited®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Getting 1.5 percent cash back on each and every transaction
Apply Now
Chase’s Protected Website
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Intro APR
Purchases are tax-free., there is an introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
- There is There is There is There is There is There is no yearly charge……
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Purchases are tax-free., there is an introductory APR.
- On all purchases, you’ll get unlimited cash back incentives.
Cons
- Balance transfers are not eligible for the introductory APR period.
- Balance transfer fees are 5%.
- Charges fees for international transactions.
- To qualify, you must have outstanding credit.
- When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.
Intro APR
Purchases are tax-free., there is an introductory APR.
APR on a regular basis
Variable 13.24 percent – 19.24 percent
Credit is required.
Excellent, Excellent
- After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
- Earn an unlimited amount of 1.5 percent cash back on all purchases made for your company.
- There is There is There is There is There is There is no yearly charge……
- With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
- Employee cards allow you to earn rewards quicker and at no extra expense. To get more control over your spending, set specific spending limitations.
- Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
- You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
- On purchases, there is a 0% introductory APR for the first 12 months.
Pros
- Purchases are tax-free., there is an introductory APR.
- On all purchases, you’ll get unlimited cash back incentives.
Cons
- Balance transfers are not eligible for the introductory APR period.
- Balance transfer fees are 5%.
- Charges fees for international transactions.
- To qualify, you must have outstanding credit.
- When renting a car for business, the collision damage waiver is primary, meaning it substitutes any personal insurance coverage you may have; it covers compensation up to the real cash value of the vehicle for theft and collision damage for most automobiles in the US and internationally.
- Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
- On qualified warranties of three years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.
Why we like it: As a lone owner in control of all elements of your small company, it’s convenient to have a business credit card that functions well. The Chase Ink Business UnlimitedSM card gives 1.5 percent cash back on every business transaction made at any time, with a 0% APR for the first 12 months on purchases. You may get the same $750 cash back initial offer as with the Chase Ink Business CashSM card if you spend $7,500 in the first three months. Your points may be redeemed for cash, gift cards, travel, or merchandise at the Apple® Ultimate Rewards store. It’s our top pick for the finest single proprietorship company credit cards.
Best Card for LLCs: American Express Blue Business CashTM
The American Express Blue Business CashTM Card is a credit card issued by American Express.
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Apply Now
on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.
Compare with
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Excellent, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- There is There is There is There is There is There is no yearly charge……
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- There is There is There is There is There is There is no yearly charge……
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Excellent, Excellent
- After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
- Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
- Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
- Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- There is There is There is There is There is There is no yearly charge……
- Terms and Conditions apply.
Pros
- Introductory APR of 0%
- Bonus for new customers
- Rewards at a certain rate
- There is There is There is There is There is There is no yearly charge……
Cons
- It is not possible to get a cash advance.
- Charges fees for international transactions.
- A total of $50,000 in yearly expenditure is restricted at 2% cash back.
- Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
- Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.
Why we like it: As an LLC owner, you expect convenience and ease of use from your business credit card. With the American Express Blue Business CashTM card, you’ll get 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement. Plus, benefit from a 0% introductory APR for the first 12 months and pay There is There is There is There is There is There is no yearly charge……. Also, you can earn a $250 statement credit after the first three months when you spend just $3,000 on purchases. It’s our pick for the best overall business credit card for LLCs.
The best card for self-employed people is the U.S. Bank Triple Cash Rewards World EliteTM Mastercard®.
Triple Cash Rewards from U.S. Bank for Business Mastercard World EliteTM
APR of 0% for 15 billing cycles
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On the secure website of US Bank
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APR on a regular basis
14.24% – 23.12% (Variable)
Credit is required.
Excellent/Good
- Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
- Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
- All other qualified net purchases will earn you 1% cash back.
- There is no limit to the total amount of cash back that may be received.
- Reward points never run out.
- For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
- Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
- There is There is There is There is There is There is no yearly charge…….
Pros
- Purchases and balance transfers are both eligible for a 0% APR.
- Cash back benefits are available indefinitely.
- There is There is There is There is There is There is no yearly charge……
Cons
- Even during the promotional period, there is a balance transfer cost.
- Cash advances are not subject to the intro APR.
- Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
- Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
- Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.
APR on a regular basis
14.24% – 23.12% (Variable)
Credit is required.
Excellent/Good
- Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
- Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
- All other qualified net purchases will earn you 1% cash back.
- There is no limit to the total amount of cash back that may be received.
- Reward points never run out.
- For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
- Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
- There is There is There is There is There is There is no yearly charge…….
Pros
- Purchases and balance transfers are both eligible for a 0% APR.
- Cash back benefits are available indefinitely.
- There is There is There is There is There is There is no yearly charge……
Cons
- Even during the promotional period, there is a balance transfer cost.
- Cash advances are not subject to the intro APR.
- Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
- Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
- Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.
Why we like it: The U.S. Bank Triple Cash Rewards World EliteTM Mastercard® offers substantial ongoing rewards, which is ideal if you’re self-employed. Even after you’ve earned the introductory bonus of $500 cash back after spending $4,500 in the first 150 days of card ownership, this card has much more to offer. Get 3% cash back at eligible gas stations, office supply stores, and mobile phone/service providers, and 1% cash back on all other eligible purchases. There’s no limit on total cash back earned and There is There is There is There is There is There is no yearly charge……. Make any large purchases interest-free for the first 15 billing cycles at 0% APR. It’s on our list of the best business credit cards for the self-employed.
The Best Card for Tech and Ecommerce Startups is the Brex Card for Startups.
Startups with venture money and no personal assurance
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Brex’s Protected Website
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- The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
- No personal responsibility or security deposit is required, and your credit score will not be affected.
- The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
- A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
- Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
- Limits are ten to twenty times greater than ordinary business cards.
- Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
- There are no costs for international transactions.
- Brex works with Experian to record your on-time payments, which helps you build business credit.
Pros
- There is There is no personal guarantee or security deposit required. required.
- Exceptional awards and credit limitations
Cons
- A corporate bank account with a balance of $100,000 is required.
- The remaining balance must be paid in full.
- Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
- Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
- Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.
- The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
- No personal responsibility or security deposit is required, and your credit score will not be affected.
- The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
- A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
- Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
- Limits are ten to twenty times greater than ordinary business cards.
- Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
- There are no costs for international transactions.
- Brex works with Experian to record your on-time payments, which helps you build business credit.
Pros
- There is There is no personal guarantee or security deposit required. required.
- Exceptional awards and credit limitations
Cons
- A corporate bank account with a balance of $100,000 is required.
- The remaining balance must be paid in full.
- Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
- Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
- Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.
Why we like it: The Brex Card for Startups is ideal for businesses who expect fast development and want a card that can grow with them. Brex is a charge card with a monthly amount owing at the end of each billing cycle. You may choose whether Brex withdraws your card’s balance in full daily or monthly.
You’ll need to establish a Brex Cash account to make daily payments. This account’s balance is equivalent to your credit limit. For daily payments, businesses of any size don’t need to satisfy any conditions, and you’re eligible for the greatest points rewards: Rideshare is worth 8x, Brex travel is worth 5x, restaurants are worth 4x, qualified Apple purchases are worth 3x, advertisements are for 1.5x, and everything else is worth 1x.
Brex will require access to your bank account for monthly payments, which affects how they decide your card’s limit. This limit may be ten to twenty times larger than the maximum on all other business credit cards. Points may be redeemed for cash, gift cards, miles, or a credit on your account. There’s no credit check, no fees, and it’s also one of our top picks for no-personal-guarantee business credit cards.
Wells Fargo Business Secured Card: The Best Card for Small Business Owners With No or Little Credit History
Secured Credit Card from Wells Fargo
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Owners of businesses with bad credit
Apply Now
On the Safe Website of Wells Fargo
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APR on a regular basis
Prime + 11.9Purchases are tax-free.
- Option 1: Earn 1.5 percent cash back on every dollar spent.
- Option for Reward Points: Earn 1 point for every $1 spent, plus 1,000 additional points if your firm spends $1,000 or more in a monthly billing period.
- There is no yearly cost for the rewards program.
- A credit line of $500 to $25,000 is available.
- There is no risk of responsibility.
Pros
- With a credit score of less than 580, approval is possible.
- Fixed-rate cash back or points rewards are your options.
Cons
- A security deposit of at least $500 is required.
- Has a yearly charge
- Purchase Assurance: If an item is damaged or stolen within 90 days of purchase, Wells Fargo will fix, replace, or refund you.
- Design Studio: On your credit card, include a personal picture or a company design.
APR on a regular basis
Prime + 11.9Purchases are tax-free.
- Option 1: Earn 1.5 percent cash back on every dollar spent.
- Option for Reward Points: Earn 1 point for every $1 spent, plus 1,000 additional points if your firm spends $1,000 or more in a monthly billing period.
- There is no yearly cost for the rewards program.
- A credit line of $500 to $25,000 is available.
- There is no risk of responsibility.
Pros
- With a credit score of less than 580, approval is possible.
- Fixed-rate cash back or points rewards are your options.
Cons
- A security deposit of at least $500 is required.
- Has a yearly charge
- Purchase Assurance: If an item is damaged or stolen within 90 days of purchase, Wells Fargo will fix, replace, or refund you.
- Design Studio: On your credit card, include a personal picture or a company design.
Why we like it: If you have a limited credit history and already bank with Wells Fargo, the Wells Fargo Business Secured Card will help you develop credit while collecting rewards. You may pick between 1.5 percent cash back on eligible purchases or 1 point for every $1 spent on qualifying items. You manage your credit limit with this secured card, which requires a cash deposit of $500 to $25,000 in a collateral Wells Fargo business checking or savings account. Wells Fargo will evaluate your account on a regular basis to determine whether you qualify for an unsecured business card. It’s one of the finest business credit cards for new companies with no credit history on our list of the top business credit cards for new businesses with no credit history.
Capital One® Spark® Classic: The Best Card for Fair Credit Business Owners
Spark® Classic for Business by Capital One®
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Owners of fair credit businesses (580 to 669)
Apply Now
on Spark® Classic for Business by Capital One®’s secure website.
Compare with
APR on a regular basis
269,9% (Variable)
Credit is required.
Average, Reasonable, and Limited
- Every time you swipe, you’ll get 1% cash back.
- Build your company’s credit by using it responsibly.
- Employee cards may be distributed for free.
Pros
- Possibility of obtaining business credit
- Fair credit is all that is required.
- There is There is There is There is There is There is no yearly charge……
Cons
- There is no introductory APR of 0%.
- There is no sign-up incentive.
- High APR
- Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
- Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.
APR on a regular basis
269,9% (Variable)
Credit is required.
Average, Reasonable, and Limited
- Every time you swipe, you’ll get 1% cash back.
- Build your company’s credit by using it responsibly.
- Employee cards may be distributed for free.
Pros
- Possibility of obtaining business credit
- Fair credit is all that is required.
- There is There is There is There is There is There is no yearly charge……
Cons
- There is no introductory APR of 0%.
- There is no sign-up incentive.
- High APR
- Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
- Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.
Why we like it: When you have fair credit and you’re starting a new business, the Capital One® Spark® Classic gives you a boost by offering two valuable features: 1% cash back on all business purchases with no limits, and There is There is There is There is There is There is no yearly charge……. Be sure to pay your credit card bill in full each billing cycle, as the interest rate is fairly high, at 26.99%. With consistent on-time payments, your credit score will quickly grow, allowing you to be eligible for a wider variety of cards. If you need to repair bad credit, this card is also our top choice for the best business credit cards for bad credit.
U.S. Bank Business Platinum: Best Card for 0% APR for 20 Billing Cycles U.S. Bank Business Platinum: Best Card for 0% APR for 20 Billing Cycles
Business Platinum Card from U.S. Bank
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
Purchases and balance transfers have a longer 0% APR term.
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On the secure website of US Bank
Compare with
APR on a regular basis
Variable between 11.99 and 20.99 percent
- Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
- There is There is There is There is There is There is no yearly charge……*
- Employee cards are available at no cost.
- You’re protected against illegal transactions with zero fraud liability*.
Pros
- Offers a lengthy introductory rate of 0% APR.
- Purchases and balance transfers are both eligible for a 0% APR.
- There is There is There is There is There is There is no yearly charge……
Cons
- There are no initial or continuing incentives.
- Even during the promotional period, there is a balance transfer cost.
- To be considered, you must have an excellent credit score.
- For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
- Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.
APR on a regular basis
Variable between 11.99 and 20.99 percent
- Introductory APR of 0%* on purchases and balance transfers for the first 18 billing cycles. After that, variable APR, which is currently 11.99% to 20.99%*
- There is There is There is There is There is There is no yearly charge……*
- Employee cards are available at no cost.
- You’re protected against illegal transactions with zero fraud liability*.
Pros
- Offers a lengthy introductory rate of 0% APR.
- Purchases and balance transfers are both eligible for a 0% APR.
- There is There is There is There is There is There is no yearly charge……
Cons
- There are no initial or continuing incentives.
- Even during the promotional period, there is a balance transfer cost.
- To be considered, you must have an excellent credit score.
- For warranties of three years or less, U.S. Bank will double the original manufacturer’s warranty and provide an extra year of coverage. The amount of coverage is capped at $10,000 per item.
- Purchase protection: Within 90 days of purchase, U.S. Bank provides purchase protection for things that are damaged or stolen. The coverage is restricted to $500 per claim and $50,000 per year per cardholder.
Why we like it: You’ll need time to pay off costly purchases such as equipment, computers, or furniture when you’re getting a startup going. The Business Platinum Card from U.S. Bank gives you a full 20 billing cycles at 0% interest. With nearly two years interest-free, you can budget your monthly payments so that by the time the APR on a regular basis kicks in, your balance will be down to zero. It’s our top selection for the best 0% APR business credit card.
American Express Blue Business® Plus: Best Card for There is There is There is There is There is There is no yearly charge……
American Express’s Blue Business® Plus Credit Card
Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.
2x points per $1 and a 0% introductory APR for the first 12 months
Apply Now
on American Express’s Blue Business® Plus Credit Card’s secure website.
Compare with
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Excellent, Excellent
- Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
- On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
- With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
- *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
- There is There is There is There is There is There is no yearly charge……
- Terms and Conditions apply.
Pros
- There is There is There is There is There is There is no yearly charge……
- Purchases and balance transfers get a 0% APR for 12 months.
- Bonus points for new customers
- Increased purchasing power
- Rewards at a set rate
Cons
- Cash advances are not permitted.
- There is no cost for international transactions.
- The amount of money you may spend to get 2x points is restricted at $50,000.
- If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
- Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.
Intro APR
Purchases are tax-free.
APR on a regular basis
Variable 13.49 percent – 21.49 percent
Credit is required.
Excellent, Excellent
- Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
- On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
- With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
- *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
- 0.Purchases are tax-free., there is an introductory APR. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
- There is There is There is There is There is There is no yearly charge……
- Terms and Conditions apply.
Pros
- There is There is There is There is There is There is no yearly charge……
- Purchases and balance transfers get a 0% APR for 12 months.
- Bonus points for new customers
- Increased purchasing power
- Rewards at a set rate
Cons
- Cash advances are not permitted.
- There is no cost for international transactions.
- The amount of money you may spend to get 2x points is restricted at $50,000.
- If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
- Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.
Why we like it: The American Express Blue Business® Plus card offers flexibility with There is There is There is There is There is There is no yearly charge……. Earn 2x points on the first $50,000 the first calendar year, then 1x points after that. Save money your first year with a 0% APR for the first 12 months. As an introductory offer, earn 15,000 points after spending $3,000 in eligible purchases within the first three months. It’s one of our picks for the best business credit cards with There is There is There is There is There is There is no yearly charge…….
How We Assessed
We looked at a variety of company credit card characteristics to find the best cards for entrepreneurs. Rewards, fees, spend categories, initial incentives, introductory APRs, and overall value were all considered.
Conclusion
The finest company credit card for your startup is one that is customized to your specific requirements. Choose a card that may provide you with substantial rewards for large purchases as well as savings on routine purchases. Read our post on when to use a credit card to support your small company if you’re not sure whether a business credit is ideal for you. Check out our list of the top small business credit cards and our Credit Card Marketplace for a larger range of cards.
The “easiest business credit card to get” is the best option for any startup. It offers low rates, no annual fee and a sign-up bonus.
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