Did you know that many consumer credit cards rival and even beat out many business credit card offers? It’s true, below you’ll find our recommended personal cards for business use.
It’s important to note that because these are personal credit cards, they will be tied to your personal credit score and to avoid any headaches come tax time, you shouldn’t commingle personal charges with business expenses.
Lastly, given the current economic environment, business credit cards could be harder to be approved for than a consumer credit card. That said, if you still want to apply for a business credit card, we’ve included our top picks at the bottom of this article. (Just be sure to have all of your business information handy when you apply.)
Citi® Diamond Preferred® Card
With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a top choice for a personal card to finance business purchases for almost two years. This market-leading offer comes with intro APRs of 0% for 18 months on Purchases and 0% for 18 months on Balance Transfers. That means you have almost two years to pay down your balance totally interest free. Did we mention there's no annual fee?
Get some flexibility for your business and enjoy the breathing room offered by this lengthy intro APR . If you currently have a large balance on a credit card that is charging steep interest rates, the Citi® Diamond Preferred® Card could be the perfect card to help you finally escape those huge interest charges. Apply today and enjoy a lengthy 0% Intro APR for 18 months on purchases and balance transfers!
Citi® Double Cash Card – 18 month BT offer
When it comes to cash back cards, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind and is an easy choice if you want to earn a stellar cash back rate on all the purchases for your business. It's the only card that allows you to earn cash back twice – cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.. There are no limits to how much cash back you can earn and your cash back won't expire.
The Citi® Double Cash Card – 18 month BT offer is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing. This card even comes with a top-tier intro APR on balance transfers: 0% for 18 months on Balance Transfers. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges.
Bank of America® Cash Rewards credit card
Use this personal card for your business and enjoy a year of 0% intro APR while you earn cash back for the things you buy most. This card offers 0% Introductory APR on purchases for 12 billing cycles and 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days. Pay no annual fee with this card from Bank of America.
On top of the lengthy 0% interest rates, cardholders will enjoy one of the most flexible cash back rewards programs: Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on every purchase. To top it off, new cardholders can earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening – business owners know that's a pretty easy amount to spend!
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card makes earning cash back easy with a generous unlimited 1.5% Cash Back on every purchase, every day and a one-time $200 Cash Back after you spend $500 on purchases within 3 months from account opening. This card can also help you avoid high interest rates with an APR of 0% intro on purchases and balance transfers for 15 months.
We love this card because it takes the hassle out of earning cash back – there are no rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn. With the lucrative combo of 0% intro APR and cash back rewards on purchases, this card might be the perfect fit to help you save big. And to top it off, there is no annual fee.
Citi Rewards+® Card
If your business spends a lot on fuel purchases, the Citi Rewards+® Card might be the perfect personal credit card for you. What really makes this card stand out is the stellar rewards program – Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases. There is also a sizable sign up bonus so you can kickstart your rewards. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening.
Cardholders will also enjoy an extra long intro APR of 0% for 15 months on purchases and balance transfers. That lengthy intro period could provide the breathing room your business needs if you're paying a high interest rate on another credit card or if you need to finance a big purchase and want to spread the payments out over time. With low interest rates, generous rewards, and no annual fee, the Citi Rewards+® Card has it all!
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card allows business owners to simplify their credit card rewards with unlimited 1.5% cash back on every purchase made for your business. No more worrying about special bonus categories or if you've hit the quarterly cap. Whether you're spending an employee lunch or a big inventory purchase, you'll enjoy the same generous rewards rate. New cardholders can kick-start their cash back earning with a big sign up bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
This card also comes with a stellar low interest offer – enjoy 0% Intro APR on Purchases 12 months. If you need a low interest rate to finance a big purchase for your business, having a full year of 0% intro APR makes this card a great choice for you. And despite the lucrative cash back rewards and low interest, the Ink Business Unlimited® Credit Card comes with no annual fee.
Ink Business Preferred® Credit Card
With one of the best sign up bonuses available, the Ink Business Preferred® Credit Card is definitely worth considering if you're looking for a new credit card for your business. This card comes with a jaw-dropping sign up bonus for new cardholders. Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when you redeem through Chase Ultimate Rewards®!
But the points don't stop there – cardholders earn big with everyday rewards on purchases. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn.