{"id":9517,"date":"2025-05-09T12:10:01","date_gmt":"2025-05-09T12:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=9517"},"modified":"2026-04-08T14:15:06","modified_gmt":"2026-04-08T14:15:06","slug":"how-to-get-a-business-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/how-to-get-a-business-credit-card\/","title":{"rendered":"Getting a Small Business Credit Card Is Easier Than You Think \u2014 Here\u2019s How to Apply"},"content":{"rendered":"<p>Business credit cards are handy tools, and almost anyone can apply for one. Whether you're a freelancer, gig worker, side hustler, or solo entrepreneur generating income from an activity outside the traditional employer\u2013employee setup, there's a good chance you qualify for a small business card.<\/p>\n<p>However, the process can appear overwhelming if you've never applied for a business credit card, so we've broken down how to get a business credit card in three easy steps.<\/p>\n<p>Here's what you need to know about business credit cards and how to apply for one.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#How_Do_Business_Credit_Cards_Work\">How Do Business Credit Cards Work?<\/a><\/li><li><a href=\"#What_Qualifies_as_a_Business\">What Qualifies as a Business?<\/a><ul><li><a href=\"#What_information_is_required_for_a_business_credit_card_application\">What information is required for a business credit card application?<\/a><\/li><\/ul><\/li><li><a href=\"#How_to_Apply_for_a_Business_Credit_Card_in_Three_Steps\">How to Apply for a Business Credit Card in Three Steps<\/a><ul><li><a href=\"#Step_1_Determine_your_eligibility\">Step 1: Determine your eligibility<\/a><\/li><li><a href=\"#Step_2_Compare_business_credit_cards\">Step 2: Compare business credit cards<\/a><\/li><li><a href=\"#Step_3_Complete_the_application\">Step 3: Complete the application<\/a><\/li><\/ul><\/li><li><a href=\"#Top_Rewards_Cards_for_Small_Business\">Top Rewards Cards for Small Business<\/a><ul><li><a href=\"#Cards_that_earn_transferable_points\">Cards that earn transferable points<\/a><\/li><li><a href=\"#Cards_that_earn_cash_back\">Cards that earn cash back<\/a><\/li><li><a href=\"#Cards_with_no_annual_fee\">Cards with no annual fee<\/a><\/li><li><a href=\"#Cards_with_0_introductory_APRs\">Cards with 0% introductory APRs<\/a><\/li><\/ul><\/li><li><a href=\"#Why_You_Want_a_Business_Credit_Card\">Why You Want a Business Credit Card<\/a><\/li><li><a href=\"#Truths_Myths_About_Business_Rewards_Cards\">Truths & Myths About Business Rewards Cards<\/a><ul><li><a href=\"#Common_myths\">Common myths<\/a><\/li><li><a href=\"#Common_truths\">Common truths<\/a><\/li><\/ul><\/li><li><a href=\"#Business_Credit_Card_Tips_Mistakes_To_Avoid\">Business Credit Card Tips & Mistakes To Avoid<\/a><\/li><li><a href=\"#Really_Almost_Anyone_Can_Get_a_Business_Rewards_Card\">Really, Almost Anyone Can Get a Business Rewards Card?<\/a><\/li><li><a href=\"#FAQ\">FAQ<\/a><ul><li><a href=\"#Can_you_use_an_EIN_to_get_a_business_credit_card\">Can you use an EIN to get a business credit card?<\/a><\/li><li><a href=\"#What_do_I_need_to_get_a_credit_card_in_my_business_name\">What do I need to get a credit card in my business name?<\/a><\/li><li><a href=\"#What_income_will_my_business_need_to_get_a_business_card\">What income will my business need to get a business card?<\/a><\/li><li><a href=\"#Do_I_need_an_EIN_to_get_a_business_credit_card\">Do I need an EIN to get a business credit card?<\/a><\/li><li><a href=\"#How_do_I_build_credit_with_my_EIN\">How do I build credit with my EIN?<\/a><\/li><li><a href=\"#Can_you_open_a_credit_card_in_the_LLC_name\">Can you open a credit card in the LLC name?<\/a><\/li><li><a href=\"#Should_I_put_my_real_name_on_a_business_card\">Should I put my real name on a business card?<\/a><\/li><li><a href=\"#Does_a_corporate_credit_card_in_your_name_build_credit\">Does a corporate credit card in your name build credit?<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n<h2><span id=\"How_Do_Business_Credit_Cards_Work\">How Do Business Credit Cards Work?<\/span><\/h2>\n<p>Business credit cards can be similar to personal credit cards in terms of perks and reward-earning structures, but they generally offer features tailored to business-specific activities.<\/p>\n<p>With most business cards, you'll find employee and expense management tools, earning categories for business-related spending &#8212; such as office supplies, mail couriers, and advertising &#8212; and credit limits designed to accommodate large or high-frequency purchases.<\/p>\n<figure id=\"attachment_108049\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-108049 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/bench-accounting-small-business-featured-300x240.jpg\" alt=\"a person at a small business packs a box to prepare for shipping; your Chase credit card application strategy should consider small business cards if you're eligible\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/bench-accounting-small-business-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/bench-accounting-small-business-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/bench-accounting-small-business-featured-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/bench-accounting-small-business-featured.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bench Accounting\/Unsplash<\/em><\/enter><\/figure>\n<p>Two primary goals of business credit cards are to help streamline your organization's finances and build credit. As your business grows, maintaining a thorough understanding of spending and having access to healthier lines of credit at favorable rates will pay dividends.<\/p>\n<p>Business credit cards can be incredibly valuable. They can earn rewards, provide stellar signup bonuses, and maximize your business's spending. And almost anyone with a business can qualify for one.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">Top Small-Business Credit Card Offers This Month<\/a><\/strong><\/p>\n<h2><span id=\"What_Qualifies_as_a_Business\">What Qualifies as a Business?<\/span><\/h2>\n<p>Whether you own a rental property, sell items for profit, work as a contractor, or perform a service that generates taxable income, you are operating a business. If you are generating a profit (or intend to) from an ongoing enterprise, you are likely eligible for a small business card.<\/p>\n<p>Business owners of all types of organizations \u2014 from large to small \u2014 are considered eligible to apply for a business credit card, including:<\/p>\n<ul>\n<li>Sole proprietorships<\/li>\n<li>Partnerships<\/li>\n<li>Limited Liability Company (LLC)<\/li>\n<li>Corporations<\/li>\n<li>Freelancers<\/li>\n<\/ul>\n<p>The word &#8220;business&#8221; is broad and widely inclusive, which helps open more financial doors for you and your business, earning rewards on your spending to boot.<\/p>\n<h3><span id=\"What_information_is_required_for_a_business_credit_card_application\">What information is required for a business credit card application?<\/span><\/h3>\n<p>Business credit card applications will typically ask for information about the business owner, from both a personal and business standpoint. Here's what most applications will generally want to see:<\/p>\n<ul>\n<li>Business name, address, and contact information<\/li>\n<li>Business structure, industry, and your role in it<\/li>\n<li>Annual business revenue, number of employees, and business age<\/li>\n<li>Employer Identification Number (EIN) &#8212; or the business owner's Social Security Number (SSN) if you don't have an EIN<\/li>\n<li>Personal income and date of birth<\/li>\n<\/ul>\n<p>As long as you can provide this information honestly, applying for a business credit card is a straightforward process.<\/p>\n<h2><span id=\"How_to_Apply_for_a_Business_Credit_Card_in_Three_Steps\">How to Apply for a Business Credit Card in Three Steps<\/span><\/h2>\n<p>The process of applying for a business credit card is similar to that of applying for a personal credit card. While the information you'll need to provide might differ slightly from the personal application, there aren't many additional hoops to jump through with a business application.<\/p>\n<p>Here are three easy steps you'll follow when applying for a business card.<\/p>\n<h3><span id=\"Step_1_Determine_your_eligibility\">Step 1: Determine your eligibility<\/span><\/h3>\n<p>The first step in applying for a business credit card is ensuring you're eligible for one. If you own a business \u2014 even if you're the only employee and don't make revenue \u2014 you should be eligible!<\/p>\n<p>A second consideration while determining eligibility is evaluating your personal credit. Most business credit cards will request your Social Security number (SSN) when you apply and use it to check your personal <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">credit history<\/a>.<\/p>\n<p>Your personal credit acts as a guarantee for your business's credit line. If your business defaults on what it owes, you could find yourself personally liable and see an impact on your personal <a target=\"_blank\" href=\"\/credit-cards\/tips-managing-credit-score\/\" rel=\"noopener\">credit score<\/a>.<\/p>\n<p>Generally speaking, the better your personal credit is, the higher the likelihood you will receive approval for the small business card you want, provided you don't run afoul of any other <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a>.<\/p>\n<h3><span id=\"Step_2_Compare_business_credit_cards\">Step 2: Compare business credit cards<\/span><\/h3>\n<p>The second step in the process is to consider how your business operates and what it spends its money on. Understanding which goods or services account for the bulk of your spending can help determine the reward structure you should pursue.<\/p>\n<p>For example, if your business frequently needs to finance large purchases, a card with a <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">0% introductory APR on new purchases and balance transfers<\/a> will be significantly more valuable than one offering, say, <a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\">airport lounge access<\/a>.<\/p>\n<figure id=\"attachment_109015\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-109015 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/brooke-cagle-featured-1-300x240.png\" alt=\"friends sit together at a table while laughing; they're all using laptops\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/brooke-cagle-featured-1-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/brooke-cagle-featured-1-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/brooke-cagle-featured-1-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/brooke-cagle-featured-1.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brooke Cagle\/Unsplash<\/em><\/enter><\/figure>\n<p>Different business credit cards will offer different spending categories, which can help you maximize every purchase. With spending comes rewards, so you should weigh the ability to earn <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">transferable points<\/a> or cash back. You will find one form of reward more valuable than the other.<\/p>\n<p>It's also worth considering your current relationships with credit card issuers. If you hold personal credit cards with a specific issuer, finding a business card from the same issuer could grow your reward-earning capabilities. Personal and business cards could earn transferable points in the same program.<\/p>\n<p>For example, if you held the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Gold Card<\/a><strong>\u00a0<\/strong>(a personal card) and <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> (a business card), you could earn <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Membership Rewards<\/a> that pool into the same account.<\/p>\n<h3><span id=\"Step_3_Complete_the_application\">Step 3: Complete the application<\/span><\/h3>\n<p>After deciding on a business credit card, the next step is to apply. You can do so online, but most issuers also offer the option to call and apply with a representative. Alternatively, you can visit a branch location (if the issuer operates any).<\/p>\n<p>Throughout this stage, you will provide information about your business, including its name, structure, revenue, and more. Honesty is crucial, so ensure you provide accurate details.<\/p>\n<p>If you complete the application virtually, submit it after providing all relevant information. Decisions are often offered instantly, so you won't have to wait long to hear back from the card issuer.<\/p>\n<h2><span id=\"Top_Rewards_Cards_for_Small_Business\">Top Rewards Cards for Small Business<\/span><\/h2>\n<p>There are <a target=\"_blank\" href=\"\/find-a-card\/business\/\" rel=\"noopener\">lots of business cards<\/a> on the market. Some will make more sense for your business than others. Here are some of the best business credit cards, whether you value transferable points, cash back, a no-annual-fee option, or favorable repayment terms.<\/p>\n<h3><span id=\"Cards_that_earn_transferable_points\">Cards that earn transferable points<\/span><\/h3>\n<p>Transferable points are valuable reward currencies for furnishing loyalty program accounts with airlines and hotels. You can earn transferable points by opening a card with <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/\" rel=\"noopener\">American Express<\/a>, and <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One<\/a> \u2014 then take advantage of their many transfer partners.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=2ab0e219c114317868f2a9669d8914ed&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>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<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> is one of our favorite business cards. Outside of a valuable welcome bonus, the card earns 3x points on popular categories of business purchases \u2014 including travel \u2014 (up to $150,000 of annual spending across bonus categories, then earn 1x). In addition, the card carries a modest annual fee of $95 and imposes no foreign transaction fees.<\/p>\n<p>Check out <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\" rel=\"noopener\">our full review of the Ink Preferred<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-preferred-benefits\/\" rel=\"noopener\">why the Ink Preferred is our primary travel card<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028096\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png\"  width=\"150\" alt=\"The Business Platinum Card\u00ae from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Business Platinum Card\u00ae from American Express' data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$895<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express is a powerhouse for business travelers, offering cardholders up to $1,150 in yearly Dell Technologies credits, up to $360 with Indeed, $250 for Adobe business plans, and $120 for U.S. wireless services. The card includes extensive lounge access, a $200 airline fee credit each year, up to $209 CLEAR+ credit, Marriott Bonvoy<sup>\u00ae<\/sup> and Hilton Honors\u2122 Gold Statuses, exclusive Fine Hotels + Resorts<sup>\u00ae<\/sup> benefits, and a TSA PreCheck<sup>\u00ae<\/sup> or Global Entry fee credit. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><ul><li>As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li><li>The American Express Global Lounge Collection<sup>\u00ae<\/sup> can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07\/2025.<\/li><li>See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.<\/li><li>Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts<sup>\u00ae<\/sup> or The Hotel Collection bookings through American Express Travel using the Business Platinum Card<sup>\u00ae<\/sup>. The Hotel Collection requires a minimum two-night stay.<\/li><li>No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.<\/li><li>Make the Business Platinum Card<sup>\u00ae<\/sup> work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.<\/li><li>Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.<\/li><li>Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).<\/li><li>Maximize your time away with Fine Hotels + Resorts through Amex Travel\u2122.<\/li><li>Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.<\/li><li>Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.<\/li><li>Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.<\/li><li>Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.<\/li><li>2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.<\/li><li>5X points on flights and prepaid hotels on AmexTravel.com<\/li><li>1X points on other eligible purchases<\/li><li>Terms Apply.<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizPlat\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a> delivers substantial long-term value, due to its fantastic list of travel benefits. The card is geared towards road warriors and entrepreneurs who travel for business. This card levies a high annual fee but may feature the best elite-status perks of any business card out there.<\/p>\n<p>Check out <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-business-platinum\/\" rel=\"noopener\">our full review of the Business Platinum Card<\/a> for more information.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028093\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$375<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com or the Amex Travel App\u2122, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at FedEx, Grubhub, and U.S. Office Supply Stores, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards&#xAE; Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li><li>Earn 4X Membership Rewards&#xAE; points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*<\/li><li>Earn 3X Membership Rewards&#xAE; points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App&#x2122; using your Business Gold Card.*<\/li><li>Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*<\/li><li>Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*<\/li><li>The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.<\/li><li>*Terms Apply<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizGold\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a> offers impressive value, thanks to useful bonus categories, high earning rates, and several statement credits. Cardholders can earn 4X Membership Rewards points on the 2 eligible categories where your business spent the most each month, 1X on other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.<\/p>\n<p><a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-business-gold\/\" rel=\"noopener\">Our Amex Business Gold review<\/a> has all the details.<\/p>\n<h3><span id=\"Cards_that_earn_cash_back\">Cards that earn cash back<\/span><\/h3>\n<p>Plenty of cards offer cash back as the primary reward structure for those who want to avoid learning about how to use and transfer points. If you wish to offset expenses or put more money back in your pocket, there are many great options for cards offering cash back.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048264\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Capital One Spark Cash Plus<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/cc308a03-f10d-4b35-8aec-c22591052b67.png\" width=\"150\" alt=\"Capital One Spark Cash Plus\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a data-ccid=\"4048264\" class=\"btn-use qs-how-apply\" title='Capital One Spark Cash Plus' href=\"\/blog\/link\/CR-CapitalOneSparkCashPlus\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Capital One Spark Cash Plus<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$150<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Capital One Spark Cash Plus offers unlimited 2% cash back on every purchase, making it ideal for businesses with diverse spending needs. This card has no preset spending limit and no foreign transaction fees, offering flexibility and simplicity for businesses on the go.<\/div><div class=\"qs-tab-hl\"><ul><li>Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months<\/li><li>Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!<\/li><li>Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions<\/li><\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SparkCashPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4048264\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/capital-one-spark-cash-plus\/\">Capital One Spark Cash Plus<\/a> features a modest annual fee and unlimited cash back on business purchases. For those who value simplicity, you'll earn 2% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Business Travel. You can also <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/convert-cash-back-to-miles\/\" rel=\"noopener\">convert your cash back into miles<\/a> if you hold a card that earns <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/capital-one-transfer-partners\/\" rel=\"noopener\">Capital One miles<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048260\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11536798.png\" width=\"150\" alt=\"U.S. Bank Business Triple Cash Rewards World Elite Mastercard\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048260\" href=\"\/blog\/link\/CR-USBankTripleCashRewardsVisaBusinessCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong> Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>\u00ae<\/sup> offers a lucrative 3% cash back on gas, electric vehicle charging stations, office supplies, cell phone services, and dining. For all other eligible purchases, cardholders earn 1% cash back. Notably, this card includes a unique benefit of a $100 annual credit for recurring software subscription expenses. Additionally, it features a rewards pooling option, allowing all earned rewards from company cards to accumulate in a central account, accessible only by authorized individuals. This card combines practicality and value, especially for businesses with varied spending needs\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u200b.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center<\/li>\r\n<li>3% cash back on eligible purchases at gas stations and EV charging stations<\/li>\r\n<li>3% cash back at office supply stores<\/li>\r\n<li>3% cash back at cell phone service providers<\/li>\r\n<li>3% cash back at restaurants<\/li>\r\n<li>1% cash back on all other eligible net purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TripleCashBiz\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4048260\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/us-bank-business-triple-cash\/\">U.S. Bank Business Triple Cash Rewards World Elite Mastercard<sup>\u00ae<\/sup><\/a> features a quality welcome bonus after meeting the minimum spending requirement and a consistent 3% cash back at gas stations, EV charging stations, office supply stores, restaurants, and cell phone providers.<\/p>\n<h3><span id=\"Cards_with_no_annual_fee\">Cards with no annual fee<\/span><\/h3>\n<p>Just because a card doesn't levy an annual fee doesn't mean it can't offer some fantastic perks you and your business can use. Here are some great no-annual-fee business credit card options.<\/p>\n<p><div class=\"qs-card\" data-id=\"340040\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/34658cdd-f2cb-4b12-9a5a-b2b77c2cc649.png\" width=\"150\" alt=\"Ink Business Cash\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Cash\u00ae Credit Card' data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=c241cb6f9fe3e7a394670a56b8eabf61&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Features a $750 cash back signup bonus, and you earn 5% cash back on a select range of business expenses on the first $25,000 spent each year.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 when you spend $6,000 on purchases in the first three months after account opening<\/li><li>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<\/li><li>Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>No Annual Fee<\/li><li>Complimentary three-month lnstacart+ membership.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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<\/li>\r\n<li>2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year<\/li>\r\n<li>1% cash back on all other card purchases with no limit to the amount you can earn<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a> provides some of the highest returns on spending of any no-annual-fee business card and offers one of the best sign-up bonuses. Don't overlook this card if you spend at office supply stores, on internet and phone bills, or at gas stations. Full details are in <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\" rel=\"noopener\">our Ink Cash review<\/a>.<\/p>\n<p><div class=\"qs-card\" data-id=\"4048113\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=5dbc71b7abf035195804e1f27ca4ce3b&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best business card to earn Ultimate Rewards on non-bonus purchases, you receive a $750 cash back bonus after you spend $6,000 on purchases in the first 3 months from account opening. Earn 1.5% back on all business expenses.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening<\/li><li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li><li>No Annual Fee<\/li><li>Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards&#xAE;.<\/li><li>Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.<\/li><li>Round-the-clock monitoring for unusual credit card purchases<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>0% introductory APR for 12 months on purchases<\/li><li>Earn 5% total cash back on Lyft rides through 9\/30\/27.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkUnlimited\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a> earns 1.5% cash back (or 1.5X points if paired with an <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Ultimate Rewards-earning card<\/a>) on every dollar spent. If you hold a Chase Ultimate Rewards card with an annual fee, you can <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">convert your cash back into rewards points<\/a> for additional redemption options. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\" rel=\"noopener\">Our Ink Unlimited review<\/a> has all the details.<\/p>\n<h3><span id=\"Cards_with_0_introductory_APRs\">Cards with 0% introductory APRs<\/span><\/h3>\n<p>For businesses that need financial flexibility, finding a card with a 0% introductory APR and favorable repayment terms could be incredibly valuable. Here are some of the best cards offering 0% introductory APRs.<\/p>\n<p><div class=\"qs-card\" data-id=\"4028098\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 15,000 Membership Rewards&#xAE; points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%<\/li><li>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. Terms and limitations apply.<\/li><li>You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.<\/li><li>No Annual Fee<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>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. Terms and limitations apply.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/AmexBlueBizPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a> earns 2x points on all eligible purchases \u2014 up to $50,000 per calendar year, then 1x. The card also has an introductory APR of 0% on purchases for 12 months from date of account opening, then a Variable APR of 16.74% - 26.74%  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). More details are available in <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">our Blue Business Plus review<\/a><\/p>\n<p><div class=\"qs-card\" data-id=\"4048169\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The American Express Blue Business Cash\u2122 Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2019\/11\/CardArt-AmericanExpressBlueBusinessCashCard.png\" alt=\"BlueBizCash\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The American Express Blue Business Cash\u2122 Card' data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The American Express Blue Business Cash\u2122 Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Business Cash is a solid cash-back card with flexible spending power. The introductory APR of 0% on purchases for 12 months from the date of account opening (after a Variable 16.74% - 26.74% applies) make this an ideal choice for businesses that occasionally need to make larger purchases. Cash back is issued as a statement credit.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%<\/li><li>Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li><li>From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power.<\/li><li>The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.<\/li><li>No Annual Fee<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueBizCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p><a data-ccid=\"4048169\" href=\"\/blog\/link\/AmericanExpressBlueBusinessCashCard\" rel=\"noopener nofollow sponsored\">The American Express Blue Business Cash\u2122 Card<\/a> earns 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% (issued as a statement credit). The card also has an introductory APR of 0% on purchases for 12 months from the date of account opening, then a Variable APR of 16.74% - 26.74% (<a data-ccid=\"4048169\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinesscash-credit-card\/42732-9-0?key=tncBody&rwdFlag=rwd#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). Check out <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-blue-business-cash\/\" rel=\"noopener\">our full review of the Blue Business Cash<\/a> for more details.<\/p>\n<h2><span id=\"Why_You_Want_a_Business_Credit_Card\">Why You Want a Business Credit Card<\/span><\/h2>\n<p>Stellar sign-up bonuses aside, business credit cards offer several advantages. Here are some of the top reasons to consider applying for a business credit card:<\/p>\n<ul>\n<li><strong>You can separate your expenses.<\/strong> Even the most organized people need a hand keeping personal and business expenses separate. Logistically, a different card account makes managing expenses easier for you and your accountant.<\/li>\n<li><strong>Business cards have specific rewards and bonus categories.<\/strong> Your personal rewards card may earn extra points with your favorite airline or hotel program, but it doesn't provide any bonuses on significant business expenses. Several cards offer bonuses when you spend on business-related purchases, such as advertising, shipping, and more.<\/li>\n<li><strong>You can build or grow your business.<\/strong> Credit cards can help with cash flow. While we wouldn't recommend carrying a balance, the ability to do so is there to help provide a cushion when needed. At a minimum, using a credit card instead of a check or debit payment gives you 20+ days to pay off a purchase, though this timeline varies depending on when your statement closes and your bill is due.<\/li>\n<li><strong>You can earn additional rewards.<\/strong> One of the best reasons to use credit cards is the rewards they offer. The more you spend, the more you earn. Finding the right rewards program to earn with for your business is part of deciding which card is best for you.<\/li>\n<li><strong>You can find purchase protection or insurance services.<\/strong> Business credit cards come with different insurance and protection services than personal credit cards. While many perks overlap, you may find additional coverage available. Coverage can extend to equipment purchases made by the business or insurance for travel-related expenses, such as rental cars.<\/li>\n<\/ul>\n<figure id=\"attachment_122758\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-122758 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Blake-Wisz-Unsplash-small-business-featured-300x240.png\" alt=\"a person pays by credit card at a local coffee shop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Blake-Wisz-Unsplash-small-business-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Blake-Wisz-Unsplash-small-business-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Blake-Wisz-Unsplash-small-business-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Blake-Wisz-Unsplash-small-business-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Blake Wisz\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Truths_Myths_About_Business_Rewards_Cards\">Truths & Myths About Business Rewards Cards<\/span><\/h2>\n<p>Many misconceptions about business credit cards are circulating, and it's essential to address some of the most common ones. Additionally, we'll share some common truths as well.<\/p>\n<h3><span id=\"Common_myths\">Common myths<\/span><\/h3>\n<ul>\n<li><strong>You need a Federal EIN or Tax ID to get a business rewards card.<\/strong> A sole proprietorship, where you use your Social Security Number, is perfectly acceptable on the majority of business rewards card applications.<\/li>\n<li><strong>You need multiple employees and a storefront to qualify for a business card.<\/strong> No, you don't. A single-person business that wants to manage expenses and rewards while operating entirely online is perfectly suitable.<\/li>\n<li><strong>The business must be your primary form of income to be eligible for a business card.<\/strong> This statement is completely false. Many small businesses start as a hobby or side project and grow into a labor of love and passion.<\/li>\n<li><strong>You have to pay your balance due with a business checking account.<\/strong> While it may be better for bookkeeping purposes, banks don't require you to pay your business credit card balance with a business checking account. You can set up auto-pay &#8212; or make manual payments &#8212; from a personal checking account.<\/li>\n<\/ul>\n<h3><span id=\"Common_truths\">Common truths<\/span><\/h3>\n<ul>\n<li><strong>Business credit cards will help you build a financial profile for your business if you need a bank loan.<\/strong> Regular use of your business credit cards shows that you have the financial wherewithal and stability to take on and manage credit and debt.<\/li>\n<li><strong>If a credit card issuer has a personal and business card, you can receive both cards and the bonuses on both.<\/strong> Think of business and personal credit cards from the same issuer as separate entities. Sure, they're both credit cards, but different business units at the bank issue and manage personal cards versus business cards.<\/li>\n<li><strong>Credit card issuers want to recruit new small businesses.<\/strong> Just as card issuers wish their card to be the first one out of your wallet for your personal expenses, they want the same for your business expenses. If you have a personal credit card, consider looking to that issuer for a complimentary business card product. Doing so will build on a relationship with the issuer and potentially allow you to earn rewards in the same program as your personal card.<\/li>\n<\/ul>\n<figure id=\"attachment_187429\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-187429 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash.png\" alt=\"Overhead view of people working in a co-working space.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>You might be surprised what qualifies as a small business. Credit: Annie Spratt\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Business_Credit_Card_Tips_Mistakes_To_Avoid\">Business Credit Card Tips & Mistakes To Avoid<\/span><\/h2>\n<p>It's relatively simple to manage a business credit card, but there are a few things to bear in mind after you've received your new card.<\/p>\n<ul>\n<li><strong>Avoid mixing your personal expenses with your business ones.<\/strong> Separating business and personal expenses will help you keep better tabs on where your money is going and save a headache come tax season.<\/li>\n<li><strong>Be cautious of which purchases you choose to finance.<\/strong> Ensure you aren't burdening your business with expensive debt by thoroughly understanding your card's APR and the repayment terms associated with financing purchases. There might be better options for purchases that don't require financing than your business credit card.<\/li>\n<li><strong>Take advantage of your card's earning capabilities.<\/strong> Utilize a business credit card that will reward your most frequent spending. It might be worth reevaluating your spending habits occasionally to ensure you aren't leaving potential rewards on the table, should your habits change.<\/li>\n<li><strong>Don't default on what you owe.<\/strong> Defaulting on debt could have negative impacts on your credit profile. Missing a payment could trigger an increase in your card's interest rate and ding your personal credit score, making it more challenging to secure lines of credit in the future.<\/li>\n<li><strong>Pay close attention to your spending.<\/strong> It's always a good idea to keep an eye on your card statement and spend analyzer tools to ensure you aren't falling victim to fraud, unauthorized employee purchases, or overspending.<\/li>\n<li><strong>Consider starting with a secured business credit card.<\/strong> If you're just starting out, your business won't have a business credit score. Instead, banks will consider your personal credit history. If your personal credit score is low, you may need to look into secured business credit cards &#8212; where your credit limit is tied to a security deposit you make when opening the card &#8212; while you build your business credit history.<\/li>\n<\/ul>\n<h2><span id=\"Really_Almost_Anyone_Can_Get_a_Business_Rewards_Card\">Really, Almost Anyone Can Get a Business Rewards Card?<\/span><\/h2>\n<p>Really, almost anyone can get a business credit card. You can apply for a small business credit card as long as you have a business. Even if your business is only comprised of yourself or has yet to generate a dollar of revenue, you are likely eligible for a business card.<\/p>\n<p>Business credit cards offer unique perks, high sign-up bonuses, and handy tools to help you track and manage your spending. There are many reasons to get a business card \u2014 even if you don't have a traditional business \u2014 and the process can be really easy.<\/p>\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span id=\"FAQ\">FAQ<\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Can_you_use_an_EIN_to_get_a_business_credit_card\">Can you use an EIN to get a business credit card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, you can use an EIN.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_do_I_need_to_get_a_credit_card_in_my_business_name\">What do I need to get a credit card in my business name?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You will need to provide personal and business information when applying. Information includes your business name, address, revenue, structure, and other details.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_income_will_my_business_need_to_get_a_business_card\">What income will my business need to get a business card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You can get a business credit card before your business generates revenue. However, you must note your income when filling out an application.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Do_I_need_an_EIN_to_get_a_business_credit_card\">Do I need an EIN to get a business credit card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Only sometimes. You can apply for most business credit cards using your SSN instead of an EIN.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"How_do_I_build_credit_with_my_EIN\">How do I build credit with my EIN?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You can build credit with your EIN by opening a business credit card and making full and timely payments.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Can_you_open_a_credit_card_in_the_LLC_name\">Can you open a credit card in the LLC name?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You can open a credit card in your LLC's name, but you may not be able to get the credit card without a personal guarantee, which is why you will need to enter your SSN on most applications.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Should_I_put_my_real_name_on_a_business_card\">Should I put my real name on a business card?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, you must put your real name on the business credit card. The application will ask for it. The card will also show the name of your business.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Does_a_corporate_credit_card_in_your_name_build_credit\">Does a corporate credit card in your name build credit?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Not really. The company card's balance reports under the business, rather than the individual cardholder or other authorized users, so it's likely to have little \u2014 if any \u2014 impact on your personal credit.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Business credit cards are handy tools, and almost anyone can apply for one. No matter your hustle, there&#8217;s a good chance you qualify for a small business card. The process can be overwhelming if you&#8217;ve never applied for a business credit card, so we&#8217;ve broken it down into three easy steps. Here&#8217;s all you need to know about business cards.<\/p>\n","protected":false},"author":80,"featured_media":55975,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12519,12657],"coauthors":[36432],"class_list":["post-9517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-application-strategy","tag-business"],"acf":[],"yoast_head":"<title>How to Get a Business Credit Card in 3 Easy Steps<\/title>\n<meta name=\"description\" content=\"Curious if you qualify for a business card? 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