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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.
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STARWOOD PREFERRED GUEST(R)BUSINESS CREDIT CARD FROM AMERICAN EXPRESS OPEN |
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- 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.
- Earn 10,000 Starpoints with your first purchase
- Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
- Redeem at participating Starwood hotels and resorts in 95 countries including Sheraton(R), Westin(R) and W Hotels(R)
- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
- 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 savings of $45
- Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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See Terms* *
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See Terms* *
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Prime + 9.99% *
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See Terms* *
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No
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Good
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GOLD DELTA SKYMILES(R)BUSINESS CREDIT CARD FROM AMERICAN EXPRESS OPEN |
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- 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 a total of $250 off Delta flights
- Earn 20,000 miles upon your first purchase on the Card
- Sign up for two Additional Cards and earn 5,000 bonus miles
- Use miles to pay for any Delta seat, anytime - - no black out dates and no seat restrictions
- 25,000 miles may also be redeemed for a domestic economy award ticket
- No annual fee for the first year - a savings of up to $95
- No annual fee for Additional Cards
- Annual $99 Companion Certificate
- Save 3-25% on business expenses from FedEx, Hertz(R), Hyatt Hotels and Resorts(R) and more
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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See Terms* *
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See Terms* *
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Prime + 9.99% *
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See Terms* *
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No
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Good
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TRUEEARNINGS(R) BUSINESS CARD FROM COSTCO AND AMERICAN EXPRESS |
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- 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.
- Straight cash back - 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- 0% introductory APR on purchases for the first 6 months
- No annual fee with your paid Costco Membership
- Flexible payments - pay in full or over time
- No annual fee for Additional Cards
- Save 3-25% on business expenses from FedEx, Hertz(R), Hyatt Hotels and Resorts(R) and more
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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BT
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Credit Type
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See Terms* *
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See Terms* *
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Prime Rate + 11.99% *
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See Terms* *
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No
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Excellent
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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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