Business Credit Cards

As a business owner, you always want to maximize profits. Learn more about how business credit cards work, some key tips, and several high value business credit cards to help you determine the best one for your needs.

Frequently Asked Questions

  • How do you get a business credit card?

    Every lender will have different requirements for business income, credit score, and other factors. However, you can usually expect a credit card issuer to review both your personal and business credit reports before making a lending decision—especially if your business doesn’t have its own credit history yet. To get a business credit card, make sure to check your credit, research your card options, and apply.

  • How do you qualify for a business credit card?

    When you apply for a business credit card, issuers will still look at your consumer credit history. Most business credit cards require good to excellent personal credit scores (670 and up). Issuers will typically consider your business’s financial health, too, including a look at revenue, business credit score, and the repayment capacity of both the business and the owner.

  • What are the best business credit cards?

    The best business credit cards should provide as much value as possible. After all, for small-business owners, maximizing profits is a top priority, so it's a natural to want the same from a business credit card. Current picks for best business credit card include American Express Blue Business Cash Card and Chase Ink Business Preferred.

  • What's the difference between business and personal credit cards?

    Maintaining separate business and personal finances allows you to be more organized at tax time, and is essential for protecting your personal assets. Some of the key factors that differentiate business and personal credit cards include ID number to apply, generally accepted use, credit reporting, benefits and rewards, and consumer protection.

  • Which business credit cards do not report personal credit?

    Wells Fargo's Business Secured Card, for one, does not report payment and usage to the consumer credit bureaus,  so it will not help build or rebuild personal credit history. If you’re looking for a higher credit limit and the ability to earn rewards or cash back on your business expenses, this card may be right for you, even with the annual fee.

Key Terms