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COMPARE SMALL BUSINESS CREDIT CARDS

A year ago, there was a wide range of business credit cards available to small business owners. Today, when small businesses need credit most, the number of offers has diminished substantially. Fortunately, American Express still offers a wide range of business cards. However, getting approved for any business credit card can be difficult in this environment. Consequently, small business owners who don't qualify for a business credit card may want to consider a consumer card that offers a 0% interest rate on purchases to tide them over until the business credit card market improves.

Below you will find information on business credit cards and links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

THE GOLD CARD FROM AMERICAN EXPRESS OPEN


  • Who is this card for? This card is ideally suited for businesses that:
  • Are established, cash flow positive and have an excellent credit history.
  • Have 2 or more employees and revenues of $250,000 a year.
  • Are registered with services such as Dun & Bradstreet.
  • Get rewarded for what your business already spends
  • Unlimited rewards potential - Membership Rewards(R) points have no limit to the amount you can earn and no expiration date
  • Redeem for travel, gift cards, and merchandise for you and your business
  • Earn 25,000 bonus points every year if you shift $50,000 of your business purchases onto the Card
  • More purchasing power - Your purchase capacity can evolve with your business. Shift business expenses onto the Card and earn more rewards
  • Save 3-25% on business expenses from FedEx, Hertz(R), Hyatt Hotels and Resorts(R) and more
  • No annual fee for the first year - a $125 savings

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

N/A *
N/A *
N/A *
See Terms* *
No
Good

JETBLUE BUSINESS CARD FROM AMERICAN EXPRESS OPEN



 MORE DETAILS HERE
  • Who is this card for? This card is ideally suited for businesses that:
  • Are established, cash flow positive and have an excellent credit history.
  • Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses.
  • Save 3-25% on business expenses from FedEx, Hertz(R), Hyatt Hotels and Resorts(R) and more.
  • Earn 10,000 TrueBlue(R) points with your first purchase - enough for an Award Flight.
  • Jet for less - redeem for a roundtrip Award Flight starting at just 10,000 points. No blackout dates so you can redeem points for any seat, anytime.
  • Earn 1 TrueBlue point for every eligible dollar you spend.

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

See Terms* *
See Terms* *
Prime + 9.99% *
$40 *
No
Good

AT&T UNIVERSAL BUSINESS REWARDS CARD


  • 0% APR* on purchases for 6 months
  • Earn 5 ThankYou Points® for every dollar you spent on eligible AT&T products and services
  • Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases
  • Additional cards for employees with credit limits you set
  • No Annual Fee


Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
6 months *
16.99% (V) *
None *
No
Excellent

THE PLUM CARD(R) FROM AMERICAN EXPRESS OPEN


  • Who is this card for? This card is ideally suited for businesses that:
  • Are established, cash flow positive and have an excellent credit history.
  • Have revenue in the 6 to 7-figure range that want more flexibility to manage cash flow, purchase materials and handle other business expenses
  • The Everything, Everywhere Trade Terms Card(SM)
  • A powerful cash flow management tool
  • 1.5% early pay discount or up to 2 months defer pay, interest
  • No annual fee for the first year - a $185 savings

    Meet the American Express OPEN(R) Charge Card that offers trade terms on virtually everything you purchase. The Plum Card.

  • Pay in full within ten days, get a 1.5% discount.
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free.

    See how your business can benefit from everything, everywhere trade terms.  The opportunity for using trade terms is the reason many businesses continue to use cash.  But now your business can receive trade terms on purchases virtually everywhere the Plum Card is accepted.  So pay early to receive a discount or defer payment ??? it's your choice.


Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

N/A *
N/A *
N/A *
See Terms* *
No
Excellent

THE BUSINESS PLATINUM CARD(R) FROM AMERICAN EXPRESS OPEN


  • Who is this card for? This card is ideally suited for businesses that:
  • Are established, cash flow positive and have an excellent credit history.
  • Have 2 or more employees and revenues of $250,000 a year.
  • Are registered with services such as Dun & Bradstreet.

    Enjoy amenities for you and your business, like:

  • Complimentary airport club access, including American Airlines Admirals Club(R) lounges
  • Concierge service to assist with your business needs from gift giving to dinner reservations
  • Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club(R), Avis Preferred(R), and Emerald club from National(R) Car Rental
  • The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
  • Enrollment in the Membership Rewards First(R) program
  • No pre-set spending limit*
  • Save 3-25% on business expenses from FedEx, Hertz(R), Hyatt Hotels and Resorts(R) and more

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

N/A *
N/A *
N/A *
$450 *
No
Excellent

BUSINESS GREEN REWARDS CARD FROM AMERICAN EXPRESS OPEN


  • No annual fee for the first year - a savings of $95
  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
  • Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

N/A *
N/A *
N/A *
1st Year Free *
Yes
Good

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Small Business Credit Cards Today

During the past few years, small business owners probably threw away forests worth of business credit card mail offers that provided enticing 0% APRs for up to 15 months, low interest rates, and flexible payment terms. Today, you may have noticed these offers no longer flood your mailbox.

Beginning last fall, credit card companies really cut back on business credit card offers. Many of us who relied on these deals now struggle to gain access to credit. Others have seen credit lines cut altogether. This truly is a shame, as small businesses such as yours (and mine) play an important, often unappreciated role in our economy.

Unfortunately, the large businesses that issue credit cards are cutting back on the quality of offers available to us. And those that are approving business owners are offering lower credit limits than they did only a few months ago.

Ultimately, small business owners just have to make do with the offers currently available. For many, using a consumer credit card with a 0% APR may provide them with better value than a business card.

Hopefully, credit conditions will improve in the near future. Until then, we all need to draw upon the unique skills that drive us to succeed and make the best of a difficult situation.

*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

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