The Small Business Credit Card Complete Reference Guide

Small and home-based businesses can benefit from the use of business credit cards. Whether to keep business expenses separate from personal expenses, to track employee costs, or to take advantage of the many rewards these cards offer, a small business credit card offers many perks. Whether self-employed, a home-based business, a professional, or a small company with employees, these business credit cards offer the best features available in a card. From 0% APR introductory rates on purchases and balance transfers, to cash back and travel rewards, to rebates, these cards offer everything a business could want in a credit card.

To help you navigate the many business card options, this guide provides a quick reference section that allows you to quickly and easily compare, review and apply for the card that's right for your small business.

Note: Due to the recent turmoil in the credit markets, many small business credits that we reviewed here are no longer available. Advanta, for example, has completely shut down its credit card options. Nevertheless, the are personal cards that can still offer many benefits to small businesses. Here are several cards to consider:

Discover® More Card
	5% to 20% Cashback Bonus at top online retailers* Up to 1% unlimited Cashback Bonus on all other purchases automatically Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners No Annual Fee Online Account Access Online Bill Payment
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 6 months on Purchases & Balance Transfers* as low as 11.99%* None* Yes* Excellent Credit*

True Earnings® Card from Costco and American Express
	Earn cash back on gas and a $25 statement credit with your first purchase made with the Card! Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco No Annual Fee with your paid Costco Membership The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card No Limit on the Cash Back earned
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 3 months* 13.24%* None* Yes* Excellent Credit*

Citi® PremierPass® Card-Elite Level
	Earn 20,000 bonus points after $600 in purchases made within 3 months of account opening* Earn 2 points for every dollar spent on everyday purchases and 1 point for all other purchases* Earn 1 point for every mile you fly on any airline* Earn 1 point for every mile friends and family fly on tickets purchased with your card* Get a complimentary companion ticket when you buy a qualifying ticket*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A* N/A* 13.24% V* $75.00* Yes* Excellent Credit*

Starwood Preferred Guest® Credit Card from American Express
	Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners Express Approval.  Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 2.90%* 6 months* 13.24%* 1st Year None, $45 Thereafter* Yes* Excellent Credit*

Platinum Card® from American Express
	Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in 3 months - Redeemable for one domestic round-trip airline ticket! No Pre-set Spending Limit 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury Fine Hotels & Resorts Program® — exclusive amenities at boutique, resort, and luxury hotels around the  world By Invitation Only®  Events — access to exclusive, once-in-a-lifetime events Complimentary Airport Club Access The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A* N/A* N/A* $450.00* N/A* Good Credit*

*We do our best to accurately reflect the terms and conditions of credit card offers on this site. But please recognize that these terms and conditions can and do change from time to time. When you are evaluating credit card offers, please make sure to read the terms and conditions on the credit card issuer's website, as they may have changed since the information was last updated on this site.