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Find Credit Cards by Type
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Understanding Business Credit Card Terms
When it comes to your business, the ability to buy the supplies, services, and assistance
you need is of the utmost importance. Without the right supplies, your company can't
operate the way it needs to, and profit isn't maximized. One of the best ways for
businesses to ensure they have the most time to make money is through the use of
business credit cards. Used
wisely, these cards can be an entrepreneur's best friend, allowing even the smallest
of start ups to get money to open their doors, stock their shelves, and see to the
needs of their new customers quickly and efficiently.
More...
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Ink Cash(SM) Business
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- $250 cash back bonus after you spend $5,000 within 3 months!
- 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
- 2% cash back on the first $25,000 spent annually on gas and dining
- 1% cash back on all other card purchases with no limit to the amount you can earn
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee*
- Rank: #1 Business Credit Cards, #12 Chase
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0.00%*
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6 months on purchases*
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13.24% (Fixed)*
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$0.00*
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0.00%*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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0.00%*
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Balance Transfers:
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0.00%*
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Introductory Period
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Purchases:
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6 months on purchases*
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Balance Transfers:
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6 months on balance transfers*
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Regular APRs
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Purchases:
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13.24% (Fixed)*
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Balance Transfers:
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13.24% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
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* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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SimplyCash® Business Card from American Express OPEN
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- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
- No annual membership fee
- Rank: #3 Business Credit Cards, #11 American Express
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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12.24-19.24% (Fixed)*
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$0.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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12.24-19.24% (Fixed)*
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Balance Transfers:
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N/A*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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InkSM Classic
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- 25,000 bonus points after you spend $5,000 in the first 3 months!*
- 5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
- 2 points per dollar on the first $25,000 spent annually on fuel and lodging*
- 1 point per dollar on all other card purchases with no limit on the amount you can earn*
- Cash back rewards do not expire
- 0% Introductory APR for 6 months*
- No Annual Fee
- Rank: #4 Business Credit Cards, #13 Chase
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0.00%*
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6 months on purchases*
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13.24% (Fixed)*
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$0.00*
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0.00%*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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0.00%*
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Balance Transfers:
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0.00%*
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Introductory Period
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Purchases:
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6 months on purchases*
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Balance Transfers:
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6 months on balance transfers*
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Regular APRs
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Purchases:
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13.24% (Fixed)*
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Balance Transfers:
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13.24% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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CitiBusiness® World Card
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- Designed for businesses with an established credit history
- $100 gift card - when you redeem the 10,000 bonus ThankYou® points received after $300 in purchases within 3 months of account opening
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable
- 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
- Earn rewards for your business expenses, including purchases made on employee cards
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No Annual Fee*
- Rank: #8 Business Credit Cards, #15 Citi Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0.00%*
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6 months on purchases*
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13.24% (Variable)*
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$0.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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0.00%*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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6 months on purchases*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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13.24% (Variable)*
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Balance Transfers:
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0.00% (Variable)*
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Cash Advance:
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See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
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See Terms*
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Late:
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See Terms*
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Cash Advance:
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See Terms*
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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Applied Bank® Visa® Business Card
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- Credit Limits available to $750
- Sole Proprietors and Entrepreneurs Welcome - No Business Too Small
- Perfect for Your Everyday Business Needs
- Great for Self-Employed Business Owners
- Your Business Name on Your Business Card
- Rank: #10 Business Credit Cards, #47 Visa
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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0.00% (Fixed)*
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$0.00*
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N/A*
*
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Fair/Poor*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
|
Purchases:
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0.00% (Fixed)*
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Balance Transfers:
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N/A*
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Cash Advance:
|
See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
|
See Terms*
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|
Late:
|
See Terms*
|
Cash Advance:
|
See Terms*
|
|
|
|
Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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AT&T Universal Business Rewards Card
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- Designed for businesses with an established credit history
- 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
- Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
- 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*
- Rank: #1 Visa Small Business, #12 Business Credit Cards, #16 Citi Credit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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0.00%*
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0-6 months on purchases*
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14.24% (Variable)*
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$0.00*
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N/A*
*
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Excellent Credit*
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[Close]
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Introductory Rate
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Purchases:
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0.00%*
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Balance Transfers:
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N/A*
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Introductory Period
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Purchases:
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0-6 months on purchases*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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14.24% (Variable)*
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Balance Transfers:
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N/A*
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Cash Advance:
|
See Terms*
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Penalty:
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See Terms*
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Fees
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Annual:
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$0.00*
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Balance Transfer:
|
See Terms*
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Late:
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See Terms*
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Cash Advance:
|
See Terms*
|
|
|
|
Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
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PEX Visa® Prepaid Card For Business
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- Instantly fund employee purchases.
- Gain 24/7 control over where and how much employees spend.
- Save money - no surprise interest charges or overdraft fees.
- Free Trial Period - No Monthly Fee for at least 2 months after you enroll
- No transaction fees
- No deposit fees
- Cards are personalized with the cardholder's name
- The funds on deposit are corporate funds - not employee-owned
- Rank: #13 Business Credit Cards, #26 Prepaid & Debit Cards
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Intro APR
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Intro Period
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Regular APR
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Annual Fee
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Balance Transfer
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Credit Needed
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N/A*
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N/A*
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N/A*
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$0.00*
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N/A*
*
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No Credit Check*
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[Close]
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Introductory Rate
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Introductory Period
|
Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Regular APRs
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Purchases:
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N/A*
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Balance Transfers:
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N/A*
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Cash Advance:
|
See Terms*
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Penalty:
|
See Terms*
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|
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Fees
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Annual:
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$0.00*
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Balance Transfer:
|
See Terms*
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Late:
|
See Terms*
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Cash Advance:
|
See Terms*
|
|
|
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Important
|
* See the online application for details about terms and conditions for these offers.
Every reasonable effort has been made to maintain accurate information. However
all credit card information is presented without warranty. After you click on the
offer you desire you will be directed to the credit card issuer's web site where
you can review the terms and conditions for your selected offer.
|
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Key Credit Card Terms to Consider:
- Grace period, which is the period of time before finance charges kick in for a billing
cycle
- Late fees, typically ranging between $15 and $40, charged if a payment is submitted
after the grace period
- Over-the-limit fees, which are charges assessed if a
consumer exceeds his credit limit during a given period
- Annual percentage rate (APR), a yearly percentage rate for finance charges
- Finance charge, an interest charge assessed based upon a fixed or variable rate
agreed to during the application process
- Annual fee, a flat membership charge applied to certain cards on an annual basis--many
issuers offer no fee options or waive these charges for good customers
- Cash-advance fees, which are charges applied against your account when you use it
to withdraw cash
- Introductory rate, a low or no interest APR promised for a specified period (usually
three to six months)
Business credit cards come in a surprising array of feature-filled options, allowing
their users to do everything from earn points at the suppliers and stores they frequent
most often, rack up frequent flier miles to ease the financial burden of cross-country
meetings, or even enjoy a low introductory rate that keeps profits from the business
in the bank instead of in the bills. One of the best points of the business credit
cards you'll find on CreditCardApplications.com is their variety. No matter what
industry or line of sales you may be in, there's a card that's perfect for your
needs.
Larger businesses may look towards business credit cards that have a higher limit,
which will make purchasing high ticket items like machinery or company vehicles
a snap. Small stores still getting their financial footing will be glad to know
that there are plenty of valuable business
credit card applications that take into account their start-up status and
reduce fees accordingly. With outlines of what each card offers to the savvy credit
shopper, it's never been easier to compare different card features to find the right
combination for success.
Research will help you find the best business credit cards for your company, and
CreditCardApplications.com
has all the information and helpful tips you need. Browse through their glossary
on credit card terms, brush up on what different APR (annual percentage rates) numbers
mean for your bottom line, and review the different cards available for your needs.
Once you've located a few promising offers, send in your applications, and soon
you'll have the purchasing power you need to turn your business dreams into reality.
Flexible financial freedom to grow your business is only a click away!
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